GENERAL NOTES on the ideal Rules & Regulations
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1 Currence ideal B.V. ƒ GENERAL NOTES on the ideal Rules & Regulations Version : 3.5 Date : April 2014
2 CONTENTS 1 Introduction Background to the ideal Rules & Regulations ideal ideal contract model Description of Roles ideal Transaction model The course of an ideal Payment Detailed description of ideal Payment Scheme ideal brand IDEAL Rules & Regulations, including the ideal Standard ideal R&R Licence and Certificate structure Acceptance and Acceptance Regulations Certification and certification procedure ideal Standard Overview of ideal documentation ideal R&R documentation Availability of the ideal Standard ideal Rules & Regulations 2 / 16 April 2014
3 1 Introduction The ideal Payment Scheme is a set of technical standards, grouped in the ideal Standard, which have been developed to facilitate online payments using internet and mobile banking products of Issuers. This document gives a general explanation of the ideal Rules & Regulations (referred to from now on as: the ideal R&R). The ideal R&R clarify the rules governing all relevant activities relating to the ideal Payment Scheme. The explanation covers the following topics: the background to the development of the ideal R&R; see paragraph 2; a more detailed description of the various Roles involved in the ideal payment transactions, the ideal Payment Scheme and brand; see paragraph 3; a description of the ideal R&R, the licensing and certification structure, including an explanation of the ideal Acceptance Regulations and the ideal Certification Procedure and an explanation of the documents pertaining to the ideal R&R, including the ideal Standard; see paragraph 4; A number of terms are used in the ideal R&R, the meanings of which have been laid down in definitions. The definitions are listed in alphabetical order in the section General Regulations part 2 ideal Definitions. ideal Rules & Regulations 3 / 16 April 2014
4 2 Background to the ideal Rules & Regulations Currence ideal B.V. is the owner and trademark holder for the ideal Payment Scheme. In that capacity, it defines and manages the requirements regarding the various Roles that feature in the ideal Payment Scheme. These requirements are necessary for the ideal Payment Scheme to operate effectively for all parties concerned. The requirements are objective, non-discriminatory, and not more stringent than strictly necessary. A set of rules, the ideal R&R, have been drawn up in order to set out the requirements in practical terms. When drawing up or amending the rules, Currence ideal B.V. involves users in the consultation process. The ideal R&R contain the established rules and also a description of the Roles and activities that parties involved in the ideal Payment Scheme can carry out. In that context, Currence ideal B.V. issues Licences and Certificates. Currence ideal B.V. helps safeguard the efficiency, quality (including reliability and image) and the integrity of the ideal payment transactions. Currence ideal B.V. carries out the following tasks: determining the strategy and policy of the ideal Payment Scheme; drawing up, laying down, and managing the ideal R&R; certifying Licencees and Certificate Holders; monitoring Licencees and Certificate Holders (with the power to impose sanctions); coordinating anti-fraud measures; facilitating collective consultation structures; developing and, if necessary, revising the ideal Payment Scheme; public relations, public affairs, communications, brand promotion. ideal Rules & Regulations 4 / 16 April 2014
5 3 ideal ideal facilitates the payment for online purchases. It is based on the internet and mobile banking services that Issuers offer their customers. 3.1 ideal contract model The ideal contract model developed by Currence ideal B.V. forms the basis of the contents of the ideal R&R. This is represented in the diagram below. a. Currence ideal B.V. Licence Licence b. Issuer Bilateral agreement d1. Acquirer Agreement Issuer-Payer f. Clearing g. Settlement CPSPcontract idealcontract* Certificate idealcontract* d2. CPSP c. Payer e. Merchant * A Merchant enters into an ideal contract with an Acquirer or CPSP. The various Roles in the ideal Payment Scheme are explained on the basis of this model in paragraph Description of Roles a. Currence ideal B.V. Currence ideal B.V. is the owner of the ideal Payment Scheme and brand owner of the ideal brand, in which capacity it lays down requirements in relation to ideal. b. Issuer (Licencee) The Issuer is responsible for the entire Issuing Domain with regard to the activities that take place in the ideal Payment Scheme. The Issuer guarantees to credit the Acquirer with every ideal Payment executed by Payers, which transactions have the status 'Successful'. The Issuer should credit the outstanding balances from the ideal Payments to the Acquirer within one working day. ideal Rules & Regulations 5 / 16 April 2014
6 For the processing of ideal Payments ( Clearing ) between an Issuer and an Acquirer, the parties concerned shall make their own arrangements. An Issuer can only offer ideal to Payers if the Issuer has obtained a Licence from Currence ideal B.V. c. Payer The Payer has a current account with the Issuer. The Payer authorises the ideal Payment to a Merchant in his Issuer internet or mobile banking environment. A Payer is not subject to any requirements on the part of Currence ideal B.V. d1. Acquirer (Licencee) The Acquirer is responsible for the entire Acquiring Domain with regard to the activities within the ideal Payment Scheme insofar as these relate to its Merchants or CPSPs. Upon receipt from the Issuer and following Settlement, the Acquirer must immediately credit the balance of the ideal Payments to the business account of the Merchant or the business account of the CPSP. The Acquirer sets down in the ideal contract/ CPSP contract all agreements made with a Merchant or CPSP regarding the processing of the ideal Transactions concerning the Merchant or CPSP. For the processing of ideal Payments and the Clearing & Settlement between an Issuer and Acquirer, the parties concerned shall make their own arrangements. An Acquirer can only offer ideal to Merchants or CPSPs if the Acquirer has obtained a Licence from Currence ideal B.V. d2. Collecting Payment Service Provider (CPSP; Certificate Holder) The CPSP acts on its own cost and at its own risk as an intermediary in the Settlement of ideal Payments to its Merchants. Once it has received the credits from the ideal Payments from the Acquirer in question, the CPSP is obliged to book these to the business account of the Merchant within the term agreed with the Merchant. A CPSP can only offer ideal to Merchants if the CPSP has been certified by Currence ideal B.V. and has entered into an ideal agreement with an Acquirer licensed by Currence ideal B.V. e. Merchant The Merchant is the party who has signed a contract with an Acquirer or CPSP to be able to accept ideal Payments. A Merchant sells goods or services to the Payer. Currence ideal B.V. has no direct relationship with a Merchant. However, the Acquirer or CPSP is obliged to compel the Merchant to meet the criteria set down in the ideal R&R annex Minimum Merchant Acceptance Criteria' and the requirements laid down in the Merchant Integration Guide (MIG). In addition, the Merchant should comply with the general terms and conditions and regulations drawn up by the Acquirer or CPSP, as well as with those that form an integral part of the ideal contract between the Acquirer or CPSP and the Merchant. ideal Rules & Regulations 6 / 16 April 2014
7 f. Clearing Clearing is the processing of payments between an Issuer and an Acquirer. Clearing takes place on the basis of obligatory bilateral agreements between Licencees. This is not a separate Role in the ideal model, but part of the regular processing role that Payment Service Providers fulfil. It is included in the model to make it easier to understand. g. Settlement The settlement between the Issuer and the Acquirer is done via a central bank or other suitable institution using the data provided by the Clearing process. This is not a separate Role in the ideal model, but part of the regular processing role that Payment Service Providers fulfil. It is included in the model to make it easier to understand. ideal Rules & Regulations 7 / 16 April 2014
8 3.2 ideal Transaction model The ideal Transaction model developed by Currence ideal B.V. is based on a so-called four-party model. Acquirers and Issuers with a Licence offer ideal to the market on a commercial basis. This produces benefits for all parties. The model forms the basis for the contents of the ideal Standard, part of the ideal R&R. This is represented in the diagram below. ideal Payment via the SEPA Credit Transfer (SCT; 7) Issuer Sending relevant data of the ideal Transaction (3) Sending status of the ideal Transation (5) Acquirer Sending relevant data of the ideal Transaction (2) Authorization and confirmation of the ideal Payment via the internet- or mobile banking environment (4) Sending status of the ideal Transaction (6) Payer Purchase of a product or service (1) Acceptant or CPSP The model is used to demonstrate the course of an ideal Payment in paragraph The course of an ideal Payment 1) For example, the Payer wishes to settle an online purchase with a Merchant using ideal. To start the payment, the Payer selects ideal on the Merchant's payment page and selects the Issuer with whom he has his or her current account; 2) The Merchant sends the relevant ideal Payment information to the Acquirer in question. If the Merchant has concluded an ideal contract with a CPSP, then the CPSP sends the relevant ideal Payment information to the Acquirer in question; 3) The Acquirer sends the payment information to the Issuer, so that the Issuer can set up all the relevant payment information (amount, recipient) for the Payer; 4) The Payer is then redirected by the Merchant to his or her own internet or mobile banking environment, in which all the relevant information concerning the payment is presented. The Payer then authorises ideal Rules & Regulations 8 / 16 April 2014
9 the ideal Payment in the same way as he does for a credit transfer in his internet or mobile banking environment; 5) The Issuer links the status of the transaction back to the Acquirer and, in the event that the transaction is successful, the Issuer guarantees the payment to the Acquirer; 6) The Payer is then taken back to the Merchant's website, and the Merchant is then able to directly request (in real-time) the status of the ideal Transaction. If the status is 'successful', the Merchant can immediately supply what has been purchased, because the Merchant can assume without reservation that the payment has been made; 7) An ideal Payment is a payment by a Payer to a Merchant or CPSP. The payment is a SEPA Credit Transfer (SCT) with some extra features and is initiated by the Payer through his or her Issuer and paid to the Merchant via the Acquirer (and if applicable the CPSP). 3.3 Detailed description of ideal Payment Scheme The ideal Payment Scheme covers all Issuers and Acquirers who are licensed by Currence ideal B.V. and CPSPs who are certified by Currence ideal B.V. Currence ideal B.V. had defined the Roles within the ideal Payment Scheme so that a Payer can use internet or mobile banking to make ideal Payments to a Merchant (such as a webshop). These payments are debited from the Payer's account and credited to the Merchant's account. To be able to make ideal Payments, the Payer must have a current account with access to internet or mobile banking. The Merchant must have an ideal contract with an Acquirer or CPSP that provides the option to offer his customers to pay via ideal. The Issuer guarantees payment to the Acquirer with regard to ideal Payments that have been made by the Payer, to the extent that the ideal Transaction has the status of Successful and this status is shown to be irrevocable from the transaction information that is exchanged in the ideal message protocols. The Issuer debits the Payer's account. An ideal Payment is easily recognisable as such by Payers. The description on the bank statement 1 always has a 16-figure ideal Transaction number. The number can be used by the Issuer and the Acquirer to clarify the status of the ideal Payment, in case something is not clear at a later stage. The Acquirer guarantees to Merchants or CPSPs that ideal Payments will be credited to them. As soon as they have been received from the Issuer, the Acquirer should credit the ideal Payments to the business account of the Merchant or the CPSP. As soon as the funds have been received from the Acquirer, the CPSP should credit the ideal Payments to the business account of the Merchant within the period agreed with the Merchant. The same security measures are used for ideal-based messages as the existing internet and mobile banking systems of the Issuers. These systems must meet strict security standards that ensure that financial transactions by Payers can be carried out securely. 1 This also refers to the description in the internet or mobile banking environment. ideal Rules & Regulations 9 / 16 April 2014
10 3.4 ideal brand An ideal Payment is identified by means of the ideal logo, which is protected by trademark law: ideal is a registered logo, of which Currence ideal B.V. is the owner. The ideal brand is used, among other things, as a feature for the marketing and use of the ideal Payment Scheme it stands for. The ideal brand may only be used in connection with the activities related to it, in accordance with a Licence or Certificate Agreement with Currence ideal B.V. to that end. ideal Rules & Regulations 10 / 16 April 2014
11 4 IDEAL Rules & Regulations, including the ideal Standard 4.1 ideal R&R Currence ideal B.V. has adopted a uniform set of rules, the Rules & Regulations, which are to be adhered to by every Licencee and Certificate Holder. Among other things, the ideal R&R include rules covering all relevant activities relating to the ideal Payment Scheme. Currence ideal B.V. has compiled the ideal R&R with great care, taking the relevant laws and regulations as the starting point. These requirements in respect of the various Roles, as described in paragraph 3.1.1, can be divided into those of a general organisational nature and those that relate to the process associated with the Role in question. The process comprises the various relevant activities that together make up the complete Role. The process-related requirements can be divided into quality requirements and, where necessary, additional detailed requirements of a more operational nature. All requirements are recognisable as such in the documents and, where applicable, are accompanied by explanatory notes. With regard to the activities for which rules have been made in the ideal R&R, a distinction is made between the Issuing Domain and the Acquiring Domain. The Issuing Domain contains, basically, all the activities related to the authorization of transactions by the Payer in his internet or mobile banking environment. The Issuer creates an SCT on behalf of the Payer on the basis of the authorization. The Acquiring Domain contains all activities relating to the receipt and processing of ideal Transactions by the Acquirer on behalf of a Merchant or CPSP. For both the Issuing and Acquiring Domain, the Licencees must comply with the relevant laws and regulations that apply to them, and with the rules and guidelines prescribed by the regulators in the country where the organisation is based Licence and Certificate structure Institutions wishing to enter the ideal Payment Scheme must conclude a Licence or Certificate Agreement with Currence ideal B.V. to that end. Institutions wishing to fulfil the Role of Issuer or Acquirer are eligible for a Licence agreement. Licence Holders are responsible for all ideal activities in their domain. Institutions wishing to fulfil the Role of CPSP are eligible for a Certificate Agreement. Certificate Holders are only responsible for the activities associated with the Role of CPSP Acceptance and Acceptance Regulations An Institution shall be eligible for a Licence or Certificate Agreement if it has demonstrated that it meets the Acceptance Requirements associated with the Role that the Institution wishes to fulfil in the ideal Payment Scheme. The Acceptance Regulations form the basis for this. The acceptance procedure listed here describes the steps the Applicant must take in order to be certified for the Role in question. To start the acceptance procedure, the Institution must send a signed Application Form to Currence ideal B.V. for approval. Currence ideal B.V. will then send a set of documents, including the ideal R&R. The certification procedure will then start. ideal Rules & Regulations 11 / 16 April 2014
12 4.1.3 Certification and certification procedure The certification procedure mainly involves carrying out a Control Self Assessment (CSA). A CSA is used by the Applicant to demonstrate that it meets the requirements associated with the Role that the Applicant wishes to fulfil in the ideal Payment Scheme. The certification procedure covers the activities that the Applicant must perform in order to be able to fulfil a Role as described in the ideal R&R. The certification procedure comprises the following stages: 1. Carrying out a Control Self Assessment (CSA) by the Applicant/Institution; 2. Evaluation of the results of the CSA by Currence ideal B.V.; 3. Selective verification by Currence ideal B.V. to establish the accuracy of the CSA (and therefore of the implementation of the ideal R&R by the Applicant); 4. Successful conclusion of the ideal Test Set with the help of the ideal Test Tool (ITT). N.B. This applies only to new applications for the Role of Licencee; 5. Final evaluation and decision by Currence ideal B.V. concerning the granting of a Licence or Certificate Agreement; 6. Monitoring compliance with agreements and any unresolved minor shortcomings that have emerged from the certification process by the Applicant ideal Standard The ideal Payment Scheme provides a set of technical standards in the ideal R&R, grouped collectively as the ideal Standard. This set of technical standards facilitates an online payment through internet and mobile banking products of the Issuers and Acquirers. The ideal Standard is made up of three elements: 1. Message protocols: the exchange of messages and the message definitions relating to the transaction; 2. Booking standards: the settlement of the payment via the credit transfer system; 3. Front-end standards: presentation to consumers and merchants. ideal Rules & Regulations 12 / 16 April 2014
13 4.2 Overview of ideal documentation ideal R&R 1. General Notes 2. Licence and Certificate Agreement 3. General Regulations (GR) Acceptance Regulations and Certification Procedure 5. Provisions R&R Roles 6. Annexes Provisions R&R Roles GR part 1 General Provisions a. Issuer Annex A Management of ICT-Infrastructure GR part 2 Definitions ideal R&R b. Acquirer Annex B Escalation procedure GR part 3 Council of Licencees c. CPSP Annex C Branding Maual GR part 4 Council of Certificate Holders Annex D Operational agreements GR part 5 Communication Regulations Annex E Generic testing approach GR part 6 Change Procedure Regulations Annex F Rules for the use of links GR part 7 Panalty Regulations Annex G Guidance on actual or alleged Fraud GR part 8 Interchange ideal Annex H Determining customers profile Annex I Minimum acceptance criteria for Merchants ideal Standard Merchant Integration Guide 000 General 001 Cover document 010 Standards 015 Style Guide 019 Language definitions 025 Acquirer-Issuer messages 035 Merchant- Acquirer messages ideal Rules & Regulations 13 / 16 April 2014
14 4.3 ideal R&R documentation No rights may be derived from the documents or the information in the accompanying explanatory notes. Currence ideal B.V. is in no way liable for errors or omissions or the consequences of later amendments to the documentation. The ideal R&R consist of the following documents: 1. General Notes (this document) This gives an outline description of the ideal payment transactions, with the Roles associated with it. 2. Licence and Certificate Agreement Licence Agreement: The agreement concluded by a Licencee with Currence ideal B.V. after successfully completing the certification procedure. The annex 'Fees' also applies here; Certificate Agreement: The agreement concluded by a certificate holder with Currence ideal B.V. after successfully completing the certification procedure. The annex 'Fees' also applies here; 3. General Regulations GR - part 1 - General Provisions: description and applicability of the General Regulations; GR - part 2 Definitions ideal R&R: definition of terms written in the ideal R&R that start with a capital letter; GR - part 3 - Council of Licencees: duties and powers of the members of the Council of Licencees; GR - part 4 - Council of Certificate Holders: duties and powers of the members of the Council of Certificate Holders; GR - part 5 Communication Regulations: description of how parties may communicate in relation to ideal; GR - part 6 - Change Procedure Regulations: description of how Currence ideal B.V. implements changes to the ideal R&R; GR - part 7 - Penalty Regulations: description of when Currence ideal B.V. may impose a penalty on a Licencee or Certificate Holder. The annex Tables also applies here; GR - part 8 - ideal Interchange: description of how and when a Fallback Interchange Fee can be determined. 4. Acceptance Regulations and certification procedure Acceptance Regulations: description of the procedure established by Currence ideal B.V. that is used to assess whether an Applicant may be accepted to the ideal payment transactions in order to be able to fulfil the Role it has applied for; Certification Procedure: description of the procedure established by Currence ideal B.V. that is used to assess whether an Applicant meets the conditions set out in the ideal R&R on the basis of a Control Self Assessment (CSA) it has itself carried out. ideal Rules & Regulations 14 / 16 April 2014
15 5. R&R Provisions a. Issuer: set of provisions that a Licencee who is certified for this Role is obliged to comply with; b. Acquirer: set of provisions that a Licencee who is certified for this Role is obliged to comply with; c. Collecting Payment Service Provider (CPSP): set of provisions that a Certificate Holder who is certified for this Role is obliged to comply with; 6. R&R Annexes A. Management of ICT Infrastructure B. IDEAL Escalation Procedure C. Part 1 - ideal Branding Manual Part 2 - Distinctive Features ideal Part 3 - ideal Corporate Identity Manual D. Operational Agreements E. Generic testing approach F. Rules for the use of links G. Guidance on actual or suspected Fraud H. Determining customer profile, including addendum for Acquirers I. Minimum acceptance criteria for Merchants 7. ideal Standard 1. ideal_000 General: describes in outline terms the background, the objective, the general starting points, and the development aspects of ideal, as well as a general description of the way it functions; 2. ideal_001 Cover document: an overview of the various documents that form the ideal Standard; 3. ideal_010 Standards: setting down the technical aspects of the ideal Standard with regard to ideal-based messages, credit transfer registration and front-end implementation, to which the parties involved in ideal must adhere to, based on their Roles of Issuer and Acquirer; 4. ideal_015 Style Guide: description of the corporate identity that the parties should observe when taking part in the ideal payment transactions; 5. ideal_019 Language definitions: a detailed description of language-specific content; 6. ideal_025 Acquirer-Issuer messages: an overview of the ideal messages exchanged between Issuers and Acquirers; 7. ideal 035 Merchant-Acquirer messages: an overview of the ideal messages exchanged between Merchants and Acquirers; 8. Merchant Integration Guide (MIG): a derivative of the ideal Standard. The MIG gives an overview of the guidelines and recommendations that are relevant for the implementation of ideal by CPSPs and Merchants. A Licencee can incorporate relevant ideal matters from their own organisation as information in its own publication of the MIG. The MIG is issued by the Acquirer to the Merchant or CPSP. ideal Rules & Regulations 15 / 16 April 2014
16 4.3.1 Availability of the ideal Standard For the purpose of providing general background information about ideal, the document ideal_000 is freely available to all interested parties. The other documents are subject to the following provisions: 1. For access to the documents ideal_001, ideal_010, ideal_015, ideal_019, and ideal_035 interested parties first need to complete and sign the ideal Standard application form and pay a fee; 2. Document ideal_025 is only available to Licencees, on account of the area it covers; 3. The ideal Standard will only be made available via an intranet website specifically set up for this purpose. This is accessed using a username and password. The applicant is responsible for ensuring that unauthorised persons do not gain access to the intranet website. ideal Rules & Regulations 16 / 16 April 2014
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