W3C

Web Payments Working Group

15 January 2026

Attendees

Present
Albert Schibani (Capital One), Arman Aygen (EMVCo), Ashwany Rayu (JCB), Bjorn Hjelm (Yubico), Darwin Yang (Google), Ehsan Toreini (Samsung), Gerhard Oosthuizen (Entersekt), Ian Jacobs (W3C), Isaiah Inuwa (Bitwarden), Jeff Owenson (Discover), John Bradley (Yubico), Kenneth Diaz (Entersekt), Praveena Subrahmanyam (Airbnb), Rogerio Matsui (Rakuten), Ryan Watkins (Mastercard), Sameer Tare (Mastercard), Sami Tikkala (Visa), Stephen McGruer (Google), Steve Cole (MAG), Sue Koomen (American Express), Tomasz Blachowicz (Mastercard), Vasilii Trofimchuk (Block/Square)
Regrets
David Benoit
Chair
ian
Scribe
Ian

Meeting minutes

SPC

Survey results

Ian: Three capabilities seem clear:

* BBK feature detection

* Allow list

* UV=discouraged

Ian: These should support a variety of 1FA and 2FA use cases.

stephen_mcgruer: This would be easier to discuss if we wrote it up

presetn+ Rene_Leveille

tomasz: In SPC there's no way to set UV today...so this why we are talking about a spec change

Ian: What is the assessment of the implementation cost for these three features?

stephen_mcgruer: Feature detection is underway; should not be too costly.
… adding an allow list for BBKs and uv=discouraged does not appear to be a big amount of work, but the big question is whether uv=discouraged is supported.
… so some work will need to be done to understand the cost of getting support for uv=discouraged.

John: Windows Hello uses user verification to unlock storage, so "discouraged" not likely to work there in the short term

John: It was also previously baked into Android, but that may have changed at some point.
… for technical reasons it may not be able to unlock the private key without some sort of user verification action by the authenticator

Isaiah: I think MacOS also upgrades uv=discouraged

Tomasz: Maybe we should go back and talk about why we need this.
… one flow we have in mind is user is authenticated in one flow and then we want to use SPC after that, so we already know the user.
… where we use uv=discouraged or another mechanism is part of the discussion.

Ian: What about flow where BBK is in the allow list and the user does not want to go through passkey authentication.
… we might avoid uv=discouraged altogether

John: Is the BBK per credential?
… what does a BBK mean without the credential?

stephen_mcgruer: We heard at TPAC that people don't want to walk away from passkeys.

John: There's a different privacy question if I annotate something to a passkey that is already uniquely identifying for a person...but when I remove the person and it's just about the device....

stephen_mcgruer: We heard at TPAC strongly that the passkey does not represent a person

John: RP shouldn't be able to correlate between persona A and persona B based on a passkey.

stephen_mcgruer: If I create two passkeys for the user (for persona A and B) that's what those keys are for.

John: Let's just be clear about what passkey flow is being eliminated.

Tomasz: If user is authenticated with passkey for login, the same credential ID is provided to PSC.

Ian: If you get a new BBK, do you need to step up the user again?

Tomasz: I don't know yet.

John: It's the same device in the authenticated session, but it's still a new device.

ACTION: Ian to work with Stephen and Tomasz on write up of how features will support 1FA and 2FA use cases (feature detection, uv=discouraged, and allow list)

[Regarding roaming authenticators]

Ian: Would it meet your request to support roaming authenticators that are immediately available

Bjorn: That is a good starting point, yes.
… Yubico is interested in this and the reqs doc says that it should be supported.
… we can do a write up for how it could be supported.

John: I don't know whether "Using an immediately available authenticator" should not involve much change to the spec

https://github.com/w3c/secure-payment-confirmation/blob/main/authenticators-and-spc.md

John: We did add the 3p flag to CTAP
… (2.3)

John: I think this is mostly an implementation question, for whoever is doing the credential provider selection.

John: On Android there is a credential provider selector that's not currently used by SPC

ACTION: Bjorn to write up the path forward for SPC to support roaming authenticators.

Bjorn: I'll work with John and Stephen.

Facilitated Payment Links

Ian: We talked about comparing different options.

Stephen: Yes, we own the next steps on that

ACTION: Stephen to work on comparison of different ways to smooth the handoff (on mobile) from web checkout to native payment app

Next meeting

29 January

Summary of action items

  1. Ian to work with Stephen and Tomasz on write up of how features will support 1FA and 2FA use cases (feature detection, uv=discouraged, and allow list)
  2. Bjorn to write up the path forward for SPC to support roaming authenticators.
  3. Stephen to work on comparison of different ways to smooth the handoff (on mobile) from web checkout to native payment app
Minutes manually created (not a transcript), formatted by scribe.perl version 248 (Mon Oct 27 20:04:16 2025 UTC).