The payment use case is recognised as a key use case based on several rationales, one being the potential extension to the Digital Euro.
The use case is based on the existing infrastructure used for bank payments, including SCT Instant payments as well as traditional account-to-account transfers.
The solution will build on the inherent provisions of the wallet to perform strong customer authentication as well as transaction-linking fully satisfying the PSD2 requirements.
The solution builds on a payment request issued by the intended recipient that may be a merchant or a private individual. Several modalities are foreseen to be supported, including QR codes, push notifications and deep linking.