Digital Payments Training Course

Participants can select payment methods that fit customer needs, transaction characteristics and operating constraints.

• Card payments assessed for acceptance reach, approval rates and cost
• Account-to-account transfers compared with card-funded payment journeys
• Digital wallets evaluated for tokenisation, stored credentials and checkout conversion
• QR-code payments analysed for merchant acceptance and customer onboarding
• Direct debit models examined for recurring collections and mandate management
• Payment-method portfolios selected using customer, cost, risk and settlement criteria

Participants can explain card-payment processing and assess merchant-acquiring arrangements.

• Card transaction lifecycle traced from checkout through merchant settlement
• Authorisation response codes interpreted for approvals, declines and referrals
• Merchant category codes considered in pricing, risk and reporting
• Acquirer, gateway and payment facilitator roles differentiated clearly
• Merchant discount rate components analysed using acquiring pricing schedules
• Chargeback exposure assessed through card-not-present transaction characteristics

Participants can assess account-to-account payment models and real-time payment operating requirements.

• Credit transfers distinguished from push-payment and pull-payment arrangements
• Real-time payment rails assessed for availability, finality and liquidity
• Request-to-pay models examined for invoice collection and customer approval
• Payee verification controls reviewed for authorised push-payment fraud reduction
• Payment returns, recalls and reversals mapped across transfer lifecycles
• Liquidity positions monitored for intraday real-time payment obligations

Participants can interpret core ISO 20022 payment-message concepts for operational and reporting use.

• ISO 20022 business components introduced through customer credit transfer messages
• pain.001 payment initiation fields linked to payer instruction requirements
• pacs.008 interbank credit transfer messages distinguished from customer messages
• camt.053 statements applied to account reporting and reconciliation
• Structured remittance information designed for invoice matching and exception reduction
• Message validation rules reviewed for mandatory fields and format controls

Participants can design operational controls for payment settlement, reconciliation and exceptions.

• Settlement cycles compared across card, wallet and bank-transfer payment methods
• Transaction identifiers matched between payment orders, processor files and bank statements
• Three-way reconciliation performed using sales records, settlement reports and cash receipts
• Exception queues classified by missing funds, duplicates, reversals and timing differences
• Suspense accounts controlled through ageing, investigation and escalation procedures
• Daily payment operations dashboards designed with volume, value and exception metrics

Participants can identify payment-data security requirements and define proportionate control measures.

• PCI DSS scope determined from cardholder-data flows and system boundaries
• Cardholder data environments segmented using network and access-control principles
• Tokenisation compared with encryption for payment-data protection requirements
• PAN storage rules applied to receipts, databases and customer-service systems
• Key management controls reviewed for encryption keys and cryptographic operations
• Security-control evidence planned for assessments, audits and supplier assurance

Participants can assess payment fraud patterns and specify layered detection and prevention controls.

• Fraud typologies mapped: card testing, account takeover and social engineering
• Risk-based authentication configured using transaction value, device and behavioural signals
• EMV 3-D Secure assessed for authentication outcomes and liability allocation
• Velocity rules designed for transaction frequency, value and beneficiary changes
• Sanctions screening positioned within payment initiation and release workflows
• Fraud-case management procedures defined for investigation, recovery and reporting

Participants can design authentication approaches that balance fraud prevention, conversion and customer access.

• Multi-factor authentication factors compared: knowledge, possession and inherence
• Strong customer authentication requirements interpreted for relevant payment journeys
• Biometric authentication risks assessed for privacy, spoofing and fallback processes
• Device binding controls examined for trusted-device payment approvals
• Step-up authentication triggers selected from risk scoring thresholds
• Customer recovery journeys designed for lost devices and credential compromise

Participants can identify regulatory and consumer-protection obligations affecting payment service design.

• Payment-service licensing models compared for banks, fintechs and payment institutions
• Know-your-customer controls linked to account opening and transaction risk
• Anti-money-laundering monitoring requirements translated into operational alert procedures
• Consumer disclosure requirements applied to fees, exchange rates and payment status
• Data-protection principles applied to payment-data collection and retention
• Complaint handling workflows designed for failed, disputed and unauthorised payments

Participants can evaluate cross-border payment routes, foreign-exchange costs and settlement risks.

• Correspondent banking chains mapped from originator through beneficiary bank
• SWIFT payment messages considered alongside local clearing-system requirements
• Foreign-exchange spreads calculated from quoted rates, fees and settlement amounts
• Intermediary bank deductions identified through payment tracking and reconciliation
• Beneficiary data validation applied to reduce cross-border payment failures
• Country-risk factors assessed for sanctions, currency controls and local infrastructure

Participants can analyse payment costs, pricing structures and commercial trade-offs.

• Total payment acceptance cost calculated from fixed, variable and hidden charges
• Interchange-plus pricing compared with blended merchant-acquiring rate structures
• Approval-rate economics quantified using conversion, revenue and decline data
• Settlement timing evaluated for working-capital and liquidity effects
• Payment-method steering assessed against customer choice and regulatory constraints
• Business cases prepared for payment-platform investments and process improvements

Participants can evaluate payment providers and define measurable contractual requirements.

• Provider requirements documented across functionality, geography, risk and support
• Weighted scorecards built for commercial, technical and operational evaluation
• Service-level agreements specified for availability, response times and incident resolution
• Contract clauses reviewed for data ownership, termination and subcontracting
• Due diligence evidence assessed for security, resilience and regulatory status
• Implementation dependencies mapped across banks, processors, merchants and internal teams

Participants can define payment-integration requirements and identify key architecture decisions.

• API payment integration patterns compared with hosted payment-page models
• Webhook events designed for payment status updates and asynchronous processing
• Idempotency controls applied to prevent duplicate payment instructions
• Payment orchestration functions assessed for routing, retries and provider redundancy
• Master data requirements defined for customers, merchants and beneficiary accounts
• Integration test cases prepared for approvals, failures, refunds and outages

Participants can establish payment-service resilience controls, incident procedures and performance reporting.

• Payment failure modes identified using process failure mode analysis
• Business continuity arrangements defined for processor outages and bank disruptions
• Incident severity criteria established for customer impact and financial exposure
• Fallback payment procedures designed for channel, network and provider failures
• Operational metrics tracked: approval rates, latency, settlement and fraud losses
• Post-incident reviews structured using root-cause analysis and corrective actions

Participants can build, review and present a complete digital payments operating blueprint for a defined business case.

• Business payment requirements translated into prioritised payment-method and channel choices
• End-to-end transaction flows documented with parties, messages and settlement points
• Control design specified for security, fraud, reconciliation and customer disputes
• Provider evaluation findings incorporated into a commercial and implementation recommendation
• Performance metrics and governance routines defined for ongoing payment operations
• Implementation roadmap presented with dependencies, risks, milestones and accountable owners