Web Payments Working Group Charter

The mission of the Web Payments Working Group is to make payments easier and more secure on the Web. The group seeks to:

Under this charter, the Working Group defines Recommendations that allow for a payment to be initiated within a Web site or application.

Join the Web Payments Working Group.

Start date 9 March 2018
End date 31 December 2019
Charter extension See Change History.
Chairs Nick Telford-Reed, Worldpay; Adrian Hope-Bailie, Ripple
Team Contact
(FTE %: 50%)
Ian Jacobs
Usual Meeting Schedule Teleconferences: Weekly
Face-to-face: 2-3 per year


Continued Work

The Working Group will continue to advance these existing specifications to Recommendation:

The Working Group will continue to develop the following payment method specification, intended to become a Working Group Note:

The Working Group will also look at enabling re-use of the Payment Request API data model in out-of-browser payments. One approach may be to define the model in a binding- and encoding-neutral way. For early work on this topic, see HTTP Messages 1.0.

Formal Adoption of Work Under Consideration

The Working Group has discussed, but not yet taken up formally, the payment method specifications on the following topics. The Working Group will decide whether these should be published on the Recommendation Track or as Working Group Notes:

The Working Group will account for exception handling in the design of payment method specifications. These include, but are not limited to, authorization failures and network failures.

New Topics

The Working Group has had significant discussion about the following topics and anticipates discussion will continue:

Working Group participants have expressed interest in the following topics new to this charter:

The Working Group will determine which specification type best suits each topic, for example through modifications to Payment Request API, through a payment method specification, or some other specification.

Curation of Working Group Resources

The Working Group will continue to curate the following resources it has published:

The Working Group may publish similar resources deemed important for the successful deployment of its other deliverables.

Discontinued Deliverables

The Working Group plans to discontinue work on the following specification:

Out of Scope

The following topics are out of scope for this Working Group.

Security and Privacy Considerations

A key security consideration is the ability to prove message integrity and authentication of all message originators. The Working Group will work with the organizations listed in the liaisons section of the charter to help ensure API security.

Protection of the privacy of all participants in a payment is important to maintaining the trust that payment systems are dependent upon to function. A payment process defined by this group should not disclose private details of the participants' identity or other sensitive information unless required for operational purposes, by legal or jurisdictional rules, or when deliberately consented to (e.g. as part of a loyalty program) by the owner of the information. The design of any API should guard against the unwanted or inadvertent leakage of such data through exploitation of the API.

Relation to Regulatory Requirements

The deliverables of this group should enable parties involved in a payment transaction to meet any and all regulatory obligations.


Recommendation Track Milestones

Note: The group will document significant changes from this initial schedule on the group home page. See below for information about reference drafts.
Specification FPWD CR PR Rec
Payment Request API April 2016 September 2017 April 2018 July 2018
Payment Method Identifiers April 2016 September 2017 April 2018 July 2018
Payment Handler API May 2017 September 2018 April 2019 July 2019
Payment Method Manifest December 2017 September 2018 April 2019 July 2019

Non-Recommendation Track Milestones

On Rechartering

Under this charter, the Working Group intends to deliver specifications for the topics listed in the sections on Recommendation track milestones, Non-Recommendation track milestones, and topics under consideration.

The Working Group would otherwise expect to recharter for other new Recommendation-track deliverables.

Dependencies and Liaisons

Web Commerce Interest Group

The mission of the Web Commerce Interest Group (formerly the Web Payments Interest Group) is to improve Commerce on the Web for users, merchants, and other stakeholders. The Working Group expects to work with the Interest Group as follows:

Other W3C Groups

Internationalization Core Working Group
Internationalization and localization review.
Privacy Interest Group
For privacy reviews.
Accessible Platform Architectures (APA) Working Group
To help ensure the protocols provide support for accessibility to people with disabilities.
Technical Architecture Group (TAG)
For Web architecture reviews.
Verifiable Claims Working Group
For discussion of identity requirements.
Web Application Security
For review of security APIs and features.
Web Authentication Working Group
For discussion of strong authentication.
Web Platform Working Group
For review of JavaScript APIs and manifest usage.
Web Security Interest Group
For security reviews. If the Working Group perceives the need for IETF review, W3C will arrange discussion through its IETF liaison.

Groups Outside W3C

EMVCo administers many specifications known collectively as EMV®, including specifications about network tokenization, 3-D Secure, and Secure Remote Commerce.
The IETF HTTP Working Group
The Working Group expects to coordinate with the IETF HTTP Working Group regarding HTTP-based payment initiation.
Coordination with ISO TC 68 will help achieve broad interoperability of payment systems (e.g., through alignment between Web protocols and ISO 20022).
PCI Security Standards Council
The PCI Security Standards Council is a global forum for the ongoing development, enhancement, storage, dissemination and implementation of security standards for account data protection. Coordination will help ensure the API can be used securely and meet merchant goals.


To be successful, the Web Payments Working Group is expected to have a minimum of 10 active participants for its duration. Effective participation in Web Payments Working Group may consume .1 FTE for each participant; for editors this commitment may be higher.


This group primarily conducts its work on GitHub and the public mailing list public-payments-wg@w3.org (archive). Administrative tasks may be conducted in Member-only communications.

Information about the group (deliverables, participants, face-to-face meetings, teleconferences, etc.) is available from the Web Payments Working Group home page.

Decision Policy

As explained in the Process Document (section 3.3), this group will seek to make decisions when there is consensus. When a Chair puts a question and observes dissent, after due consideration of different opinions, the Chair should put a question out for voting within the group (allowing for remote asynchronous participation -- using, for example, email and/or web-based survey techniques) and record a decision, along with any objections. The matter should then be considered resolved unless and until new information becomes available.

Any resolution first taken in a face-to-face meeting or teleconference (i.e., that does not follow a 7 day call for consensus on the mailing list) is to be considered provisional until 5 working days after the publication of the draft resolution. If no objections are raised on the mailing list within that time, the resolution will be considered to have consensus as a resolution of the Working Group.

Patent Policy

This Working Group operates under the W3C Patent Policy. To promote the widest adoption of Web standards, W3C seeks to issue Recommendations that can be implemented, according to this policy, on a Royalty-Free basis.

For more information about disclosure obligations for this group, please see the W3C Patent Policy Implementation.


This Working Group will use the W3C Software and Document license for all its deliverables.

About this Charter

This charter for the Web Payments Working Group has been created according to section 5.2 of the Process Document. In the event of a conflict between this document or the provisions of any charter and the W3C Process, the W3C Process shall take precedence.

Charter History

Charter Period Start Date End Date Changes
Initial Charter 21 October 2015 31 December 2017 N/A
Charter Extension 1 January 2018 1 March 2018 None (Rechartering)
2018 Rechartering 9 March 2018 31 December 2019 Deliverables under consideration since the previous charter are listed in section 1.2.

Reference Drafts as of this Charter

The following information related to the W3C Patent Policy is provided as a convenience.

Payment Request API
Latest publication: 21 September 2017
Reference Draft: https://www.w3.org/TR/2017/CR-payment-request-20170914/
associated Call for Exclusion on 14 September 2017 ended on 13 November 2017
Produced under Working Group Charter: /Payments/WG/charter-201510.html
Payment Method Identifiers
Latest publication: 14 September 2017
Reference Draft: https://www.w3.org/TR/2017/CR-payment-method-id-20170914/
associated Call for Exclusion on 14 September 2017 ended on 13 November 2017
Produced under Working Group Charter: /Payments/WG/charter-201510.html
Web Payments HTTP Messages 1.0
Latest publication: 15 September 2016
Reference Draft: https://www.w3.org/TR/2016/WD-webpayments-http-messages-20160915/
associated Call for Exclusion on 16 September 2016 ended on 12 February 2017
Produced under Working Group Charter: /Payments/WG/charter-201510.html
Payment Handler API
Latest publication: 29 November 2017
Reference Draft: https://www.w3.org/TR/2017/WD-payment-handler-20170518/
associated Call for Exclusion on 18 May 2017 ended on 15 October 2017
Produced under Working Group Charter: /Payments/WG/charter-201510.html

Adrian Hope-Bailie, Ian Jacobs, Nick Telford-Reed

$Date: 2018/03/09 13:38:32 $