W3C

Web Payments WG

25 Apr 2019

Agenda

Attendees

Present
Danyao Wang (Google), Dean Ezra (Barclays), Ian Jacobs (W3C), Nick Telford-Reed, Rouslan Solomakhin (Google), Adrian Hope-Bailie (Coil)
Chair
NickTR
Scribe
Ian

Contents


<scribe> Scribe: Ian

Agenda

Next priorities

nicktr: We are not numerous today but I'm keen that we continue to check in on the group's priorities

[Nick's candidate list]

<nicktr> 1> Getting to recommendation

(PR API 1.0)

<nicktr> 2> working through merchant feedback and getting greater merchant adoption

<nicktr> 3> getting another browser to support handler (without which we can't get to CR, I believe)

<nicktr> 4> continuing to experiment with SRC

Ian: +1 to those, and I would add some improvements to Basic Card. But those are lower priority!

<Zakim> rouslan, you wanted to ask about Edge and (3)

rouslan: For browser support of PH API; what is expectation about Edge as a separate browser (even if they use chromium engine).

IJ: That's up to the Director; I imagine it depends on how much individual effort is required to make use of the API in their browser.

danyao: Our takeaway from the FTF was that we want to work on payment handler adoption.
... so what do you see as barriers to adoption?

nicktr: I want to tease apart a few topics: (1) what we heard about PR API/PH API and (2) what we heard about specific payment methods such as SRC
... we need to continue to make clear that PR API is not just an enabler for any single payment method.
... I think control of the payment experience is something that is critical for larger merchants
... I think the basic card implementation in particular is super useful for small merchants, but, for large merchants with sophisticated checkouts and multiple payment methods, and where things like ordering are important, ....
... ensuring that larger merchants have the control they need for the payment experience
... I think that you are correct that "more payment handlers" is part of the answer.

<nicktr> scribenick: nicktr

ij: previously, we learned UX is an issue (from the Shopify PoC)

<Ian> https://www.w3.org/2019/04/03-wpwg-minutes.html#item03

ij: merchants want lots of control over look and feel

<Ian> 1) user experience

<Ian> 2) payment methods

<Ian> 3) control over ux

<Ian> 4) flexibility in timing of gathering data

<Ian> 5) more sophisticated capabilities

danyao: difficult to integrate PR with existing payment experience, and

<Ian> Danyao: I hear 2 classes of feedback: (1) no easy fallback path integration (2) hard to compare conversion rate between PR API and fallback

<Ian> scribenick: Ian

Danyao: Walmart and BB mentioned they want more control over the UX...that sounds to me like they don't see a lot of value in the API...what they described can be accomplished through traditional forms.

(Ian largely agrees with that observation)

Danyao: Value of PR API goes down if focus is on card-on-file use cases

<Zakim> AdrianHB, you wanted to ask if we can easily cater for tier 1 merchants AND long tail or if we should focus on one or the other to start

AdrianHB: I agree with Danyao's comments. We are getting interesting feedback from large merchants, but I think our goals may not in the end lead us to target large merchants.
... I think PR API is more well-suited to the long-table
... and we may not be able to design for both
... e.g., decomposable API might be more suited to large merchants.
... so as a group we may want to determine more clearly our target

rouslan: I think we should focus on the first principle of excellent UX and excellent security for users

<AdrianHB> +1

<AdrianHB> ian: I like Danyao's characterization on the flexibility on timing and gathering of data

<AdrianHB> ... Dee's statement to the effect of "we've solved these problems" surprised me

<AdrianHB> ... but the use of forms and auto-fill does seem to already give them what they need

<AdrianHB> ... perhaps where we can focus is on better fallback between PR API and other checkout

IJ: +1 to focus on connection between fallback and PR API experience.

<Zakim> nicktr, you wanted to ask about focus on long tail

<scribe> scribenick: Ian

nicktr: I am really torn between getting big merchant adoption (to get traction) and agreeing with the long-tail focus

danyao: I actually agree with AHB's statement that maybe PR API provides more value to long tail and +1 to make that our merchant adoption focus
... do we have consensus on that?
... and how does that affect the browser implementation agenda?

<AdrianHB> If we do focus on long tail we accept that getting adoption will be harder

<Zakim> rouslan, you wanted to mention long tail priorities

rouslan: This is an excellent point, Danyao. If we look at the long tail we might change our priorities.

<AdrianHB> The flip side of that is, if we focus on tier 1 merchants then we have a lot of changes required in the API to get adoption

rouslan: We are seeing interest from smaller merchants and smaller payment handler developers and may need more ergonomic APIs
... so that's one area where we could prioritize
... if there were only 2 payment handlers, that would lead to one type of support
... but if there are 1000, that means we need to put more care into things like error messages

<danyao> +1 to all of that

<AdrianHB> I think the long tail of merchants could be serviced by a small set of handlers

IJ: Other possible driver of adoption - SRC

Danyao: I think our short-term priorities are aligned. We are working with Google Pay re: ergonomics and also looking to bring in more payment apps and learn from that
... I would like to have some additional time to talk about an SRC payment method

<Zakim> danyao, you wanted to talk about SRC

<scribe> scribenick: nicktr

<scribe> scribenick: nicktr

IJ: I think that SRC may be several years to reach full adoption
... So I think Basic Card remains relevant and improvements based on feedback
... would be a good thing
... as to the similarities between SRC and basic card
... I think that SRC has more complex contractual/financial relationships
... so whereas basic card is just a data storage thing

<Ian> Danyao: I wasn't proposing to jettison basic card. I was surprised to see an SRC data model ... similar to basic card.

<scribe> scribenick: Ian

UNKNOWN_SPEAKER: I was especially surprised to see supportedNetworks
... it sounds like SRC will have similar network "silos"

danyao: Merchants talk about a "capabilities" idea; they want to mix and match capabilities instead of bundling in a payment method.
... I understand the need to differentiate basic from src, but does it need to be a different payment method?

<Zakim> rouslan, you wanted to ask whether gateway tokens should be standardized as a payment method

<AdrianHB> SRC should NOT have supportedNetworks. That is a wart on basic-card that is due to it's nature as an "open" payment method. The correct way to do this is for each network to have it's own payment method identifier. These can share a common data model and spec but they SHOULD be different

rouslan: Did any gateways talk about standardizing gateway tokens?

Ian: They said no.

nicktr: The SRC payload is very different. There will not be a card number in SRC
... from an implementation perspective, keeping them separate is the way I would go

<danyao> Thanks. Ack.

<AdrianHB> +1 to keeping them separate and deprecating basic card

<Zakim> AdrianHB, you wanted to comment on gateway tokens

AdrianHB: Something that occurred to me re: gateway tokens; gateway token providers could just do payment handlers and engage with merchants.
... I don't see a need for gateway token standardization because of JIT registration
... and URL-based payment methods

nicktr: After this meeting, I will point people's attention to a candidate list

IJ: Could we spend a bit more time discussing / framing?

NickTR: Ok, let's return to this in the next call

SRC Update

<nicktr> https://github.com/w3c/src/wiki

<nicktr> scribenick:nicktr

ij: good demo at the F2F
... further discussion at the card security task force
... I took an action to write up
... URL, whitelist, blacklist, data model
... I tried to distinguish goals from from design consideration
... Visa very keen to see default behavior to allow a cardholder to pay

<Ian> Ian: I observe that browser offering a default when there is nothing else registered or specified is useful cross payment methods

<Ian> IJ: Brands said strongly they want a single payment method, but acceptance of different cards will still be the case (hence supportedNetworks)

<Ian> NickTR: I think I would still prefer one URI per SRC system

<AdrianHB> +1

<Zakim> AdrianHB, you wanted to comment on "single payment" method

<Ian> AdrianHB: I strongly support Nick's point

<Ian> ... SRC could be a single payment method, but the implementations are different (in different SRC systems)

<Ian> ...they need to have different identifiers

<Ian> ..they should use URLs for this

<AdrianHB> "Brands said strongly they want a single payment method" -> it is important that they can provide valid reasons for this

but the specification requires the registration of DCFs and SRCIs

(the SRC specification)

Next meeting

<Ian> AdrianHB: A card brand could still use a manifest and dynamically provide a default...to fulfill the "browser default role"

<Ian> nicktr: Next call..2 May

Summary of Action Items

Summary of Resolutions

[End of minutes]

Minutes manually created (not a transcript), formatted by David Booth's scribe.perl version 1.154 (CVS log)
$Date: 2019/04/25 16:29:37 $