W3C

Web Payments Working Group

03 Oct 2019

Agenda

Attendees

Present
Nick Telford-Reed, Ian Jacobs (W3C), David Benoit (Reach), Florent Lambert (Lyra), Laura Townsend (MAG), Jonathan Vokes (Worldpay), Robert Martin (Capital One), Vincent Kuntz (ISO 20022 RA), Rouslan Solomakhin (Google), Justin Toupin (Google), Dean Ezra (Barclays), Adrian Hope-Bailie (Coil), Alex Liu (Airbnb)
Regrets
Jonathan Grossar (Mastercard)
Chair
NickTR
Scribe
Ian

Contents


Introduction

Robert: I'm here with Capital One
... working in our commerce strategy and development group

TPAC Recap

nicktr: Thanks everyone and welcome Robert
... I hope journeys back from Japan were present

<nicktr> https://github.com/w3c/webpayments/wiki/Agenda-20191003

NickTR: Some resources available (minutes, summary)

<nicktr> Minutes from F2F https://www.w3.org/2019/09/15-wpwg-minutes.html

Meeting summary

NickTR: The audience for the summary is both those who attended for aide-memoire, but also for people who missed the meeting
... Any TPAC attendee corrections or things people want to pick up?
... any questions?

[None]

NickTR: Questions welcome as you read the materials

Ian: Lots of info, new ideas, will take a while to tease them out and lock them down

TPAC action review

AdrianHB to look into a modal dialog spec - IN PROGRESS, see modal dialog explainer

<nicktr> https://github.com/adrianhopebailie/modal-window/blob/master/explainer.md

Secure Modal Dialog

[IJ gives background on the proposal]

<Zakim> rouslan, you wanted to pick things up

rouslan: In Chrome we support 3rd party payment handlers
... you can plug in and get a first-class experience for your users
... to get this experience you need to register yourself as a payment handler
... the user may be able to install/uninstall you as a payment handler
... but we've found out that the UX that Chrome creates may be useful for other applications (e.g., password managers, or 3DS step-up flow)
... we've also heard from Mozilla that it might be easier to start with the user interface
... even if firefox doesn't support all of the payment handler features for now that chrome does
... so we've written up an explainer and are soliciting feedback, including from the W3C Technical Architecture Group
... overall I don't see many issues with it
... I view this as refactoring the Payment Handler API to remove the generally applicable bit
... the payment handler API will be calling into this other specification, delegating some responsibility to it
... so we'd have 2 specs, which makes it easier for browser vendors to adopt in a stepwise manner

<nicktr> scribenick: nicktr

ian: can you characterise whether this is a big change to payment handler API?

rouslan: not too much

ian: what is the concrete next step and which group would work on this?

<Ian> [Ian hears "WICG"]

rouslan: WPWG should continue to incubate - though we might have to move to WICG in the future...
... would be great to have an eager partner who has a great use case

<Ian> scribenick: Ian

AdrianHB: Rouslan summarized nicely.
... I do think one use case we've heard is single sign-on. I think we should also get the WebAuthn WG feedback on the proposal.

NickTR: I see Marcos asking more broadly for features useful to building PWAs.

IJ: Does this secure modal dialog have any bearing on PR API?

Rouslan: No, I don't think so.

Ian: Justin, any progress on this "Justin to check internally at Google about what adoption data can be shared"

Justin: Hope to tackle in October

Ian: No progress on my actions
... Anything on this AHB? "AdrianHB to organize testing of assumptions about dropping the sheet."

AdrianHB: Early untested assumptions are that the spec does not strictly require the sheet
... so people can experiment with UX without spec changes
... it would be useful to get feedback on use cases people have and how it would be impacted by no sheet or a new type of selector
... I propose to redraft the action item to make it more concrete

Adoption Strategy

Adoption strategy notes

NickTR: One hot topic of the 2 days was how to increase adoption
... what should we be doing?

<nicktr> scribenick: nicktr

ian: we've been doing adoption work but it is clear that we need to do more
... the biggest obstacles include lack of payment method, lack of interoperability for handlers, lots of frcition around the payment sheet, and merchant engagement more generally
... Vishal suggested other forums like MRC and others
... Airbnb made concrete suggestions (detailed in Ian's blog)
... To make this real, we need to treat this more formally with deliverables, timeframes etc, so that's something we need to look at and distribute the load

<Ian> scribenick: Ian

lte: These are all the right topics; how do you allocate resources
... as far as merchant engagement, we have been trying to work out an arrangement with MRC where we partner and this could be one of those
... MAG has also developed within our membership some technology pros ... these would be the folks to get into a room
... how we go about this is tough of course
... so I think there is a great opportunity to get the technology professionals in the room
... the business side can come along.

<Zakim> nicktr, you wanted to talk about financial inclusion as a different adoption lever

nicktr: I also think PR API and PH API provide a platform for a lot of different developers and stakeholders to get a gold standard payment experience
... we've not reached out in the financial inclusion space
... any suggestions for how to get additional engagement in that community?

IJ: What caused you to think about that?

NickTR: One challenge of smaller participants in the payments space is that they can't make the same investment in technology
... I've been thinking about payment handler as an opportunity to level the playing field a bit
... so was thinking about underserved communities who could experiment and more easily reach people since they can leverage the web infrastructure

Ian: I've been chatting with open source people about PR API support

IJ: We'd like to turn this adoption list into concrete actions with accountability. More work to do on that.

NickTR: So AHB and I will be looking for help on these

Face-to-face meeting planning

NickTR: Airbnb offered to host a meeting in Europe
... e.g., Dublin or Paris
... we've looked at organizational meeting calendars and propose some days in March

Doodle poll

NickTR: Anybody aware of any industry events we need to avoid?

[None heard]

Next meeting

17 October

NickTR: TPAC pain point exercise analysis by Lawrence and Ian

Coming soon

- Draft charter

- PR API next steps

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: 2019/10/03 14:51:45 $