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Error Path 2: Failed Payment Initiation in the Payer's Mobile Banking Application

Mobile application negative feedback flow diagram

Process steps:

  1. The merchant's system transmits the current purchase data to the Aggregator via an electronic channel. A sub-aggregator may also be involved in the initiation and feedback process.
  2. The Aggregator creates the EAM according to the standard defined in the regulation, containing transaction and beneficiary data with an authentication code.
  3. The merchant displays the EAM on their POS system. For invoiced payments, the QR code is printed. For webshop purchases, a deeplink is generated. For NFC, the merchant's device broadcasts the data.
  4. The payer scans the EAM with their multi-function device. The payer's bank is unable to send a feedback message to the merchant via GIRO if the mobile application found a deficiency during formal verification of the EAM – for example, if a mandatory field is missing or the beneficiary account number is invalid. In such cases, individual investigation is required. This also logically includes the case of an expired EAM, where generating a feedback message is not permitted to protect system performance.
  5. The mobile banking application notifies the payer about the failed initiation.