ISSUE-1: Push vs Pull payments flows (or Payer vs Payee-initiated payments)

Push vs. Pull

Push vs Pull payments flows (or Payer vs Payee-initiated payments)

State:

RAISED

Product:

Use Cases

Raised by:

Laurent Castillo

Opened on:

2015-02-18

Description:

From Laurent:

This distinction is fundamental, maybe we can put it in a separate section at the beginning, since it’s going to be referenced everywhere.

High level view of the flows

Push flow (a.k.a. payer-initiated):

Merchant->Payment Agent: payment request with merchant id

Payment Agent->Payment Processor: pay order

Payment Agent->Merchant: proof of payment (including proof guaranteeing funds have been / will be transferred, with user consent)

Pull flow: (a.k.a. payee-initiated):

Merchant->Payment Agent: payment request

Payment Agent->Merchant: proof of consent/instrument (including financial instrument id, payment instrument is valid and user has given consent)

Merchant->Processor: pay order

Main difference for me is the type of proof received from Payment Agent to Merchant: in one case (push model), the merchant needs a full payment proof (that includes guarantee that funds will be or have been transferred); in the other (pull), it “only” needs proof of consent and proof of validity of the payment instrument (the merchant will get the proof of payment directly from its processor in that model).

Related Actions Items:

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Related emails:

1. [use cases] Agenda: Use Cases Task Force - Thursday, March 19th 2015 (from msporny@digitalbazaar.com on 2015-03-15)
2. RE: [use cases] Agenda: Use Cases Task Force - Thursday, March 12th 2015 (from ryladog@gmail.com on 2015-03-11)
3. [use cases] Agenda: Use Cases Task Force - Thursday, March 12th 2015 (from msporny@digitalbazaar.com on 2015-03-11)
4. [use cases] Agenda: Use Cases Task Force - Thursday, March 5th 2015 (from msporny@digitalbazaar.com on 2015-03-01)
5. RE: [use cases] Agenda: Use Cases Task Force - Thursday, February 26th 2015 (from ryladog@gmail.com on 2015-02-26)
6. Re: [use cases] Agenda: Use Cases Task Force - Thursday, February 26th 2015 (from ij@w3.org on 2015-02-23)
7. [use cases] Agenda: Use Cases Task Force - Thursday, February 26th 2015 (from msporny@digitalbazaar.com on 2015-02-22)
8. [use cases] Meeting minutes for 2015-02-19 telecon (from msporny@digitalbazaar.com on 2015-02-19)
9. [use cases] ISSUE-1 - Push vs. Pull Terminology (from dlongley@digitalbazaar.com on 2015-02-19)
10. [use cases] Agenda: Use Cases Task Force - Thursday, February 19th 2015 (from msporny@digitalbazaar.com on 2015-02-18)
11. Re: [use cases] Proposal for some additions (from msporny@digitalbazaar.com on 2015-02-17)

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