快速支付系统中突出的叠加服务：付款请求和收款人确认技术说明（英）

PROMINENT OVERLAY SERVICESIN FAST PAYMENT SYSTEMS Request to Pay and Confirmation of Payee SEPTEMBER 2025 FINANCE, COMPETITIVENESS & INNOVATION GLOBAL PRACTICEPayment Systems Development Group © 2025 International Bank for Reconstruction and Development / The World Bank1818 H Street NWWashington DC 20433Telephone: 202-473-1000Internet: www.worldbank.org This volume is a product of the staff of the World Bank. The findings, interpretations, and conclusions expressed in thisvolume do not necessarily reflect the views of the Executive Directors of the World Bank or the governments they represent. The World Bank does not guarantee the accuracy of the data included in this work. The boundaries, colors, denominations,and other information shown on any map in this work do not imply any judgment on the part of the World Bankconcerning the legal status of any territory or the endorsement or acceptance of such boundaries. RIGHTS AND PERMISSIONSThe material in this publication is subject to copyright. Because the World Bank encourages dissemination of theirknowledge, this work may be reproduced, in whole or in part, for noncommercial purposes as long as full attributionis given. CONTENTS 1.EXECUTIVE SUMMARY1 2.SETTING THE CONTEXT2 3.BACKGROUND33.1Request to Pay63.1.1Types of Overlay Services33.1.2General FPS Capabilities and Considerations for Implementing RtP and CoP3 4.DEEP DIVE INTO THE OVERLAY SERVICES6 4.1Request to Pay64.1.1Specific FPS Capabilities and Considerations for Implementing RtP64.1.2Business Capabilities and Considerations for RtP84.1.3Potential Use Cases104.1.4Legal and Regulatory Aspects124.1.5Economics of RtP124.1.6Motivations and Factors for Adopting RtP144.1.7Benefits and Risks/Challenges154.1.8Lessons Learned16 4.2Confirmation of Payee174.2.1Specific FPS Capabilities and Considerations for Implementing a CoP Service174.2.2Business Capabilities and Considerations for the CoP Service204.2.3Potential Use Cases214.2.4Legal and Regulatory Aspects224.2.5Economics of CoP234.2.6Motivations and Factors for Adopting CoP244.2.7Benefits and Risks/Challenges274.2.8Lessons Learned27 4.3Implications for Central Banks as Potential Operators of RtP and CoP Services28 CONCLUSION29ACKNOWLEDGMENTS30APPENDIX A: OTHER POTENTIAL RTP PRODUCT GROUPS AND USE CASES31APPENDIX B: SELECTED COUNTRY CASES RELATED TO RTP AND COP34ENDNOTES44 EXECUTIVE SUMMARY This technical note provides a comprehensive overview of overlay servicesin fast payments, focusing primarily on request-to-pay (RtP) and confirma-tion-of-payee (CoP) services. As global payment systems evolve, these overlayservices are increasingly recognized as important components for enhancingthe functionality and security of fast payment systems (FPS). RtP enables payees to initiate payment requests, providing flexibility andcontrol for both payees and payers. It streamlines payment processes, enhancescash flow, and improves customer experiences, thereby fostering widespreadadoption of fast payments. Key considerations for implementing RtP includemessaging standards, operational hours, and infrastructure capacity. CoP servesas a verification mechanism that allows payers to confirm recipient detailsbefore initiating payments, thus reducing misdirected payments and fraud.The implementation of CoP supports the enhancement of payment safety andis being adopted globally. Both RtP and CoP offer substantial benefits, includ-ing improved user experience, reduced payment errors, and enhanced fraudprevention. However, challenges such as data privacy, consumer adoption, andthe need for robust regulatory frameworks must be addressed to maximizetheir effectiveness. Implementing RtP and CoP necessitates careful consider-ation of legal frameworks and regulations governing consumer protection anddata privacy. Establishing clear responsibilities for data accuracy and updatesis a key element for maintaining trust and security in these solutions. RtP andCoP are becoming an integral part of FPS implementations, offering inno-vative solutions that enhance convenience, efficiency, and security for users.Their successful implementation will require collaboration among stakeholders,adherence to regulatory standards, and a commitment to continuous improve-ment in payment practices. SETTING THE CONTEXT2 The World Bank has been closely monitoring the develop-ment of FPS by central banks and private players across theglobe. This comprehensive study has resulted in a toolkitdesigned to guide countries and regions in their policy andimplementation choices when they embark on their FPSjourneys. •Case studies of countries that have already implementedfast payments•A set of short focus notes on specific technical topicsrelated to fast payments This note is part of the third component of the toolkit andaims to provide input on RtP and CoP FPS overlay services.These services are becoming increasingly important in FPSimplementations, as they were recognized as a key driver infast p