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- Online Banking ePayments (OBeP) is a type of payments network, developed by the banking industry in conjunction with technology providers. It is specifically designed to address the unique requirements of payments made via the Internet. Key aspects of OBeP that distinguish it from other online payments systems are: 1.
* The consumer is authenticated in real-time by the consumer financial institution's online banking infrastructure. 2.
* The availability of funds is validated in real-time by the consumer's financial institution. 3.
* The consumer's financial institution provides guarantee of payment to the merchant. 4.
* Payment is made as a credit transfer (push payment) from the consumer's financial institution to the merchant, as opposed to a debit transfer (pull payment). 5.
* Payment is made directly from the consumer's account rather than through a third-party account. Nearly half of the bills paid in the US during 2013 were done via electronic bill payment. Also, during 2014, nearly 48% of all online shopping in North America were made with a credit card. Globally, online payments are expected to exceed 3 trillion Euros (approx. US$3.2 trillion) in the next 5 years. (en)
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- 9241 (xsd:nonNegativeInteger)
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- Online Banking ePayments (OBeP) is a type of payments network, developed by the banking industry in conjunction with technology providers. It is specifically designed to address the unique requirements of payments made via the Internet. Key aspects of OBeP that distinguish it from other online payments systems are: (en)
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- Online Banking ePayments (en)
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