Mobile and Contactless Payments Requirements and Interactions

Publication Date: February 2018

The U.S. Payments Forum Mobile and Contactless Payments Working Committee developed this white paper to describe how mobile and contactless payments requirements are collected from mobile/contactless payments ecosystem stakeholders.  The intent is to garner cross-industry understanding of mobile and contactless payments requirements and best practices and encourage standardization to meet common requirements.

The white paper includes:

  • A description of the stakeholders involved in the mobile/contactless payments ecosystem
  • A description of the types of communications methods that facilitate mobile payments transactions
  • Examples of the high-level overviews of processes involved in the mobile payments ecosystem and examples of stakeholder interactions
  • A mapping that describes, for each stakeholder group, where requirements come from, along with examples of requirements coming from each stakeholder group

The white paper used a broad definition of “mobile and contactless payments” to mean all non-contact payment approaches that facilitate convenient, fast and secure payment transactions for consumers.  The scope is, however, bounded to mobile payments with POS interactions (in-app or mobile-based browser payment are in scope if they are used at the POS); e-commerce transactions are not included.

About the Mobile and Contactless Payments Working Committee

The Mobile and Contactless Payments Working Committee was formed in November 2016 as part of the expanded U.S. Payments Forum charter.  The goal of the Mobile and Contactless Payments Working Committee is for all interested parties to work collaboratively to explore the opportunities and challenges associated with implementation of mobile and contactless payments in the U.S. market, identify possible solutions to challenges, and facilitate the sharing of best practices with all industry stakeholders.


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