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

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 NW 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 Bank 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 attribution CONTENTS 1.EXECUTIVE SUMMARY 2.SETTING THE CONTEXT 3.BACKGROUND33.1Request to Pay63.1.1Types of Overlay Services3 4.DEEP DIVE INTO THE OVERLAY SERVICES 4.1Request to Pay64.1.1Specific FPS Capabilities and Considerations for Implementing RtP64.1.2Business Capabilities and Considerations for RtP84.1.3Potential Use Cases10 4.2Confirmation of Payee174.2.1Specific FPS Capabilities and Considerations for Implementing a CoP Service4.2.2Business Capabilities and Considerations for the CoP Service4.2.3Potential Use Cases214.2.4Legal and Regulatory Aspects4.2.5Economics of CoP234.2.6Motivations and Factors for Adopting CoP 4.3Implications for Central Banks as Potential Operators of RtP and CoP Services CONCLUSION29ACKNOWLEDGMENTS30 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 overlay 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- 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 and •Case studies of countries that have already implementedfast 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 FPS Work on the FPS Toolkit was supported by the Bill andMelinda Gates Foundation. The toolkit can be found at fast- •The main report,Considerations and Lessons for the BACKGROUND3 3.1REQUEST TO PAY AND CONFIRMATIONOF PAYEE 3.1.1Types of Overlay Services The landscape of overlay services for FPS is diverse anddynamic, offering a wide range of solutions tailored to vari-ous needs. By introducing such user-centric overlay servicesthat cater to different use cases, actors within the ecosystem Overlay services enhance fast payments by providing addi-tional value-added features on top of core payment func- Overlay services are tailored value-added services thatleverage the existing underlying infrastructure of the FPS todeliver additional value to all parties in the value chain. Theycan drive FPS adoption by offering added convenience and For the purposes of this technical note, emphasis isplaced on centrally managed value-added services built ontop of the existing underlying FPS infrastructure. Overlay 3.1.2General FPS Capabilities and Considerations The note examines two of the most prominent overlay ser-vices: RtP and CoP. The subsection below outlines the mostimportant common technical capabilities necessary for the Overlay services enable support for various access chan-nels and devices aimed at improving business workflowsand customer experiences in a wide range of payment sce- (i)Messaging Standards ISO 20022 has emerged as the preferred messaging stan-dard, used in the vast majority of implementations world-wide, including in Brazil, Thailand, and the European Union.There are, however, implementations that have not used the By offering these complementary services, the utility offast payments is expanded, efficiency is improved as redun- 4|Prominent Overlay Services in Fast Payment Systems (ii)Operational Hours The d