W3C

Web Payments Working Group

26 February 2026

Attendees

Present
Albert Schibani (Capital One), Ashwany Rayu (JCB), Bjorn Hjelm (Yubico), Daniel Wyckoff (Shopify), Darwin Yang (Google), David Benoit, Dees Chinniah (Interledger Foundation), Gerhard Oosthuizen (Entersekt), Henna Kapur (Visa), Ian Jacobs (W3C), Isaiah Inuwa (Bitwarden), Jean-Luc di Manno (Fime), Jeff Owenson (Discover), John Bradley (Yubico), John Earnshaw (American Express), Ravi Shekhar (PayPal), Rene Leveille (1Password)), Rogerio Matsui (Rakuten Group), Ryan Watkins (Mastercard), Sami Tikkala (Visa), Sharanya Chandrasekaran (PayPal), Stephen McGruer (Google), Steve Cole (MAG), Taskashi Minamii (JCP)
Regrets
Nick Telford-Reed
Chair
Ian
Scribe
Ian

Meeting minutes

SPC

Chrome 145 release

Darwin: Chrome 145 supports BBKs in stable. The new UX for desktop is rolling out right now (initially behind a flag), and should be fully out by the end of next week in stable (not behind a flag).

Sami: The capability functionality is on par with what we saw at TPAC?

Ian: Yes, I believe so.

BBK Feature detection

Darwin: w3c/secure-payment-confirmation#320 defines a new static method that returns a dictionary of SPC capabilities. The first value that is supported indicates that the implementation supports hardware-bound BBKs. The Chrome Team has also started to work on implementation.

Ian: Anyone want to actively review the pull request?

Ian: What is time frame for feature detection?

Darwin: Aiming for Chrome 147 or 148 (to stable by late April)

RESOLUTION: The editors will merge PR 320

Mitigating double step-up features

Ian: What's the status?

stephen: Right now we are focused on feature detection to unlock pilots
… we are still interested in the double step-up features

Roaming Authenticators and SPC

Bjorn: We are still working on that internally and will get back to you (either with requirements in issue 12 or in a separate requirements document).

BBK questions

John_Earnshaw: The BBK requirements document has some requirements that don't appear to be reflected in the specification.
… e.g., requirements say that there's a 1:1 relationship between a BBK and passkey/browser/device, but that binding is not reflected in the specification.

Stephen: The spec may not yet represent requirements that the implementation already meets.
… we can fix that.

Stephen: But it's also possible we have diverged since the requirements.
… could someone do the gap analysis and ask about implementation?
… that's easier to react to.

ACTION: John_Earnshaw to review the BBK requirements document and the current SPC and document any gaps via a new issue in the SPC repo.

Test suite for SPC

John_Earnshaw: There are some bits in the spec not covered in the SPC test suite (e.g., securePaymentConfirmationAvailability)
… is this a gap?

https://w3c.github.io/secure-payment-confirmation/#sctn-secure-payment-confirmation-available-api

stephen: It's hard to test that API because you can't control the underlying machine. I suspect there's a gap
… we should add a set of manual WPTs (not optimal)
… we could have a naive test for securePaymentConfirmationAvailability()

stephen: I agree the test suite should say something

Ian: Is test suite work happening on feature detection?

Darwin: Will be hard because we won't know if test machine has a TPM.

Stephen: We can test that the API exists...
… the capabilities API is worse because the browser can exclude keys if they are not supported (for privacy)

ACTION: Stephen and Darwin to look into adding test(s) for securePaymentConfirmationAvailability()

Ian: Any other SPC topics?

Sharanya: So to clarify there will be two signals for what is supported?

Ian: Do you need to check both for SPC and BBK or just BBK suffices?

Darwin: I think you get an error if you just check for BBK and SPC is not available.

Stephen: We should find out from developers the right thing.

Facilitated payment links

(Ian presents background on this topic, and reviewing pros and cons in different approaches)

Stephen: Chrome is shipping the API, but it's not a high priority right now. There's interest in the capability, however.

Stephen: Can we quietly put this on the back burner for the next period

Ian: Could the Chrome Team experiment to gather some data inform the discussion?

Stephen: It's an interesting space, I could share some metrics with people today. There's a lot of use today (mostly countries in Asia); there's non-trivial usage/adoption.

<stephen_mcgruer> https://chromestatus.com/metrics/feature/timeline/popularity/4976

Ian: Will this UX be subsumed by DPC?

Henna: In principle it could, but I haven't thought through it.

<stephen_mcgruer> Compared to PaymentRequest.show: https://chromestatus.com/metrics/feature/timeline/popularity/2895

Henna: If the payment has a VC and a schema.

John_Bradley: In theory DC API could be called within PR API but you'd need more information

John: DC API has still not been instrumented to support Web-based wallets. But some governments say that native wallets are a burden for their populations.

Henna: Where is that today?
… is that a DC API discussion?

John: Yes, it's part of DC API discussion.
… not surprisingly there are different schools of thought, at times even within the same company
… but the current prioritization of DC API is for native apps

Henna: Are there technical challenges or mostly prioritization topic?

John_Bradley: A combo of religion and prioritization.

John_Bradley: I think DC API should support both native and web-based wallets.
… but web-based has other security considerations

Ian: Anything blocking from the DC API perspective?

John_Bradley: no, it's more implementation questions for platforms about what they are going to support for their selectors.
… there's nothing in the design of DC API (from a JS surface perspective) that limits you to one kind of digital credential holder versus another.

John_Bradley: There's also the debate about trusted web apps
… you have to be a trusted web app to get access to WebBluetooth. So there are JS apis that are only available to "trusted web apps"
… there are technical details that need to be sorted out about how this happens or would happen with wallets in trusted contexts.

Ian: Should we insert ourselves into the conversations about web-based wallets due to PH API?

Stephen: PH API represents learnings; not sure if PH API is suitable as-is, but we could inform discussions.
… Web-based payment handlers are based on service-workers, and it may be more suitable to revisit the architecture for credential-based wallet.

Ian: Is there a WG where Web-based wallets are being discussed?

John_Bradley: Right now that's "future work"
… an extension could allow a Web-based wallet

Ian: Maybe people could use PH API instead of an extension.
… there may be security benefits to using PH, with DC API glue

stephen: PH API and Payment Method Manifest describe ways to do just-in-time implementation

next meeting

12 March

Summary of action items

  1. John_Earnshaw to review the BBK requirements document and the current SPC and document any gaps
  2. Stephen and Darwin to look into adding test(s) for securePaymentConfirmationAvailability()

Summary of resolutions

  1. The editors will merge PR 3e20
Minutes manually created (not a transcript), formatted by scribe.perl version 248 (Mon Oct 27 20:04:16 2025 UTC).