Skip to main content
Home
  • Announcements
  • L1P Guide
  • Resources
L1P Guide
  • Introduction
  • 1. Setting the Stage
  • 2. The Imperative of Scale
  • 3. Around the World
  • 4. A Closer Look
  • 5. Glossary

Are Multiple Use Cases Supported?

An RTRP system can—and should—support multiple use cases

A Common Core: The Payment Itself

The actual payment order and the settlement of that order among the DFSPs involved can be exactly the same, regardless of use case. This creates the desired efficiencies.

Support for Additional Technical Protocols

Some use cases require additional information exchanges. Merchant and biller payments, for example, may require “request to pay” communications and a standardized approach to generating and scanning QR codes.

Use-Case Specific Pricing, Rules, and Identification

Business rules and scheme pricing may be different by use case. The scheme hub needs to “know” what use case a transaction is, so that the appropriate rules can be applied.

Shared Services

Some markets may find that expanding the scheme’s core services to include other shared capabilities may be the best way to rapidly implement new use cases. Shared merchant or biller directories are one example of this; a shared merchant self-provisioning capability may be another. Shared services decrease the overall economic burden as DFSPs are not required to create redundant capabilities, instead DFSPs share the costs, and capabilities, offered by the scheme.

Enabling Third Party Connection

Specialty aggregators, processors, and other entities operate today in many markets and facilitate use-case specific payments. The role of these entities may change as an L1P-aligned, interoperable system is put in place, but many of their value-added services in the sector may endure. Schemes should think creatively about how to partner with these entities to achieve success in target use cases.


Next Topic in this Section: Is there a Competitive Ecosystem?

  • Contact Us
  • Terms of Use
  • Privacy and Cookies Notice
  • Be Aware of Fraudulent Activity
© 2021 Bill and Melinda Gates Foundation
The Level One Project is an initiative of the Bill and Melinda Gates Foundation.
PLEASE REVIEW OUR UPDATED PRIVACY NOTICE AND TERMS OF USE
This site uses cookies and similar technologies to store information on your computer or device. By continuing to use this site, you agree to the placement of these cookies and similar technologies. Read our updated Privacy Notice and Terms of Use to learn more.

I agree
Privacy & Cookies Policy

Privacy Overview

This website uses cookies to improve your experience while you navigate through the website. Out of these cookies, the cookies that are categorized as necessary are stored on your browser as they are essential for the working of basic functionalities of the website. We also use third-party cookies that help us analyze and understand how you use this website. These cookies will be stored in your browser only with your consent. You also have the option to opt-out of these cookies. But opting out of some of these cookies may have an effect on your browsing experience.
Necessary
Always Enabled

Necessary cookies are absolutely essential for the website to function properly. This category only includes cookies that ensures basic functionalities and security features of the website. These cookies do not store any personal information.

Non Necessary

Any cookies that may not be particularly necessary for the website to function and is used specifically to collect user personal data via analytics, ads, other embedded contents are termed as non-necessary cookies. It is mandatory to procure user consent prior to running these cookies on your website.

Save & Accept