世界银行-快速支付系统中突出的叠加服务：付款请求和收款人确认-技术说明（英）

TECHNICAL NOTEPROMINENT OVERLAY SERVICES IN FAST PAYMENT SYSTEMSRequest to Pay and Confirmation of PayeeSEPTEMBER 2025Public Disclosure AuthorizedPublic Disclosure AuthorizedPublic Disclosure AuthorizedPublic Disclosure AuthorizedB | Fast Payment Systems: Preliminary Analysis of Global Developments© 2025 International Bank for Reconstruction and Development / The World Bank 1818 H Street NW Washington DC 20433 Telephone: 202-473-1000 Internet: www.worldbank.org This volume is a product of the staff of the World Bank. The findings, interpretations, and conclusions expressed in this volume do not necessarily reflect the views of the Executive Directors of the World Bank or the governments they represent. The World Bank does not guarantee the accuracy of the data included in this work. The boundaries, colors, denominations, and other information shown on any map in this work do not imply any judgment on the part of the World Bank concerning the legal status of any territory or the endorsement or acceptance of such boundaries. RIGHTS AND PERMISSIONSThe material in this publication is subject to copyright. Because the World Bank encourages dissemination of their knowledge, this work may be reproduced, in whole or in part, for noncommercial purposes as long as full attribution is given.FINANCE, COMPETITIVENESS & INNOVATION GLOBAL PRACTICEPayment Systems Development Group1. EXECUTIVE SUMMARY 12. SETTING THE CONTEXT 23. BACKGROUND 33.1 Request to Pay 63.1.1 Types of Overlay Services 33.1.2 General FPS Capabilities and Considerations for Implementing RtP and CoP 34. DEEP DIVE INTO THE OVERLAY SERVICES 64.1 Request to Pay 64.1.1 Specific FPS Capabilities and Considerations for Implementing RtP 64.1.2 Business Capabilities and Considerations for RtP 84.1.3 Potential Use Cases 104.1.4 Legal and Regulatory Aspects 124.1.5 Economics of RtP 124.1.6 Motivations and Factors for Adopting RtP 144.1.7 Benefits and Risks/Challenges 154.1.8 Lessons Learned 164.2 Confirmation of Payee 174.2.1 Specific FPS Capabilities and Considerations for Implementing a CoP Service 174.2.2 Business Capabilities and Considerations for the CoP Service 204.2.3 Potential Use Cases 214.2.4 Legal and Regulatory Aspects 224.2.5 Economics of CoP 234.2.6 Motivations and Factors for Adopting CoP 244.2.7 Benefits and Risks/Challenges 274.2.8 Lessons Learned 274.3 Implications for Central Banks as Potential Operators of RtP and CoP Services 28CONCLUSION 29ACKNOWLEDGMENTS 30APPENDIX A: OTHER POTENTIAL RTP PRODUCT GROUPS AND USE CASES 31APPENDIX B: SELECTED COUNTRY CASES RELATED TO RTP AND COP 34ENDNOTES 44CONTENTS | iii | EXECUTIVE SUMMARY1 | 1 | 1This technical note provides a comprehensive overview of overlay services in fast payments, focusing primarily on request-to-pay (RtP) and confirma-tion-of-payee (CoP) services. As global payment systems evolve, these overlay services are increasingly recognized as important components for enhancing the function