How to Implement
Guidance
Standardize account naming.
DFSPs provide an account holder with standardized guidelines for naming their personal, business, or group account during the account opening process (and in line with KYC requirements); account naming may also happen during alias registration (note that account name is not the same thing as the alias used to initiate a payment). The account name of a payee should be identifiable and provide sufficient detail to allow the payer to determine that the payee is the correct one. The account name should not be used to obfuscate the true owner of the account. Both individuals and businesses should be encouraged to communicate their account name to those they expect to receive payment from.
Implement confirmation of payee.
The application of confirmation of payee allows the authenticated payer to be presented a notification that shows an identifiable account name (see Design Note for examples) of the receiver prior to sending a payment. The notification from the DFSP explicitly asks the payer “Do you want to make this payment to this recipient?”. An unexpected recipient name may signal to the sender that the receiver is not the intended party, allowing them to cancel the payment. An audio presentation of the receiver’s name would further support the needs of a broader set of users, including those with lower literacy needs.
Why It Matters
Certainty of Payee makes Inclusive IPS more trusted and reliable by supporting end users in ensuring that they send funds to the correct recipient. This prevents errors due to mistyping, which may be especially important for low literacy and newly digital users. Standardized naming conventions minimize usefulness for fraudsters.
Seeing More Clearly
Select a lens to learn the “why” this practice.
Women’s Inclusion
Often expressing higher concerns about fraud and privacy in digital payments, and having less experience making digital payments, women – along with all users – must be presented with the opportunity to confirm the receiver prior to initiating a payment.
Fraud Mitigation
A confirmation of payee service can prevent authorized push payment fraud where a sender is scammed into sending a payment to a fraudster’s account. (It can also prevent funds being sent to an unintended party due to errors in keying their alias or account number.) The service provides a tool that can stop fraud before it happens and prevent an end users’ loss of funds.
Tools
Design Guides
Dig into how to implement each of the practices.
Practical Approaches Acknowledge Social Norms Toward Women’s Inclusion
Summary of existing resources on ways to address gender norm barriers to inclusion.
Review Practical Approaches Acknowledge Social Norms Toward Women’s InclusionRepresentation of Women in Marketing and Financial Capability Campaigns
Summary of existing guidance on gender-inclusive communication in marketing and financial capability campaigns.
Review Representation of Women in Marketing and Financial Capability CampaignsBuilding Financial Awareness and Capability
This guidance summarizes the key attributes of a strong financial awareness and capability approach, with a focus on government social disbursement programs, which are often…
Review Building Financial Awareness and CapabilityRole of Ecosystem to Increase Women’s Awareness of Inclusive IPS Services and Products
Type of Stakeholder: Instant Payment System What The Stakeholder Can Do to Increase Women’s Awareness: Type of Stakeholder: Regulator What The Stakeholder Can Do to…
Review Role of Ecosystem to Increase Women’s Awareness of Inclusive IPS Services and ProductsPrivacy in Notifications
Overview of privacy risks related to notifications, along with methods for mitigating these risks.
Review Privacy in NotificationsSuggested Notifications and Tips for User Safety and Privacy
Description of effective notification types and sample market illustrations.
Review Suggested Notifications and Tips for User Safety and PrivacyFATF Recommendations and Guidance on Financial Inclusion
Summary of relevant FATF guidelines for customer due diligence and CGAP research on innovations in the space.
Review FATF Recommendations and Guidance on Financial InclusionEcosystem Roles in Enabling Certainty of Payee
Account Naming Role: Inclusive IPS Actions: Role: DFSP Actions: Role: Regulator Actions: Alias Addressing Role: Inclusive IPS Actions: Role: DFSP Actions: Role: Regulator Actions: Confirmation…
Review Ecosystem Roles in Enabling Certainty of PayeeWhat Good Certainty of Payee Looks Like
Overview of good design in the certainty of payee process, alongside a tangible example and illustration of the certainty of payee process.
Review What Good Certainty of Payee Looks LikeAlias Attributes
Overview of essential and desirable attributes for alias types.
Review Alias AttributesAlias Addressing Options
Overview of alias addressing types, benefits, and considerations for use.
Review Alias Addressing OptionsStandardized Disclosures for FX
This design note and companion interactive model suggests an approach to standardizing foreign exchange disclosure.
Review Standardized Disclosures for FXPIX Minimum Requirements for User Experience, Version 7.0
These are the user experience rules for financial institutions participating in Pix
Review PIX Minimum Requirements for User Experience, Version 7.0Generic payments scheme rulebook categories and example table of contents
A generic scheme rules that IIPS operators can use to build their own rulebook
Review Generic payments scheme rulebook categories and example table of contentsMarket Illustrations
Learn from design choices in action.
Global Approaches to Alias Addressing
Country
Multiple
Challenge
Not all users are comfortable with or have access to any given alias type, and women are more likely to encounter limitations because of privacy concerns and technology access.
Outcome
As a result of Inclusive IPS supporting multiple alias options, end users can use the alias they feel most comfortable with.
Gatekeeper Engagement from TEB Bank Turkey and Jazz Cash Pakistan
Country
Turkey, Pakistan
Challenge
DFSPs in each country recognized the impact of gatekeepers on women’s financial inclusion.
Outcome
Through targeted engagement campaigns, providers have challenged traditional gender norms related to financial inclusion.
Representative Communications Example from Pakistan
Country
Pakistan
Challenge
In Pakistan, women’s adoption of digital financial services lags men’s, with only about 10–15% of JazzCash users being women.
Outcome
Targeted SMS campaigns led to a 34% increase in account opening referrals, particularly by women.
Financial Capability Initiative Led by IPS: Jordan’s JoPACC
Country
Jordan
Challenge
Despite advancements in Jordan’s digital payment payments, financial inclusion remains a challenge, particularly among smallholder farmers and rural vendors.
Outcome
A targeted intervention campaign at the National Olive Festival led to higher digital payment usage, supporting financial inclusion goals.
Digitalizing Female Garment Worker Salary Payments in Bangladesh with HerProject
Country
Bangladesh
Challenge
In Bangladesh, female garment workers faced major barriers to digital financial inclusion, including low digital literacy, restrictive social norms, and limited access to mobile financial services and mobile phone devices.
Outcome
As a result of digital literacy training and social norms interventions, many women began actively using their accounts for savings and transactions beyond wage receipt, indicating stronger engagement with formal financial services.
Building Financial Capability in G2P Payments in Zambia
Country
Zambia
Challenge
Women in Zambia’s poorest communities faced limited financial literacy, low participation in formal financial systems, and barriers to accessing and using financial products, which constrained their ability to save, invest, and manage payments effectively.
Outcome
100% of Zambia Girls’ Education and Women’s Empowerment Livelihoods Project participants use digital payments to receive their GEWEL benefits.
Rethinking the POS through Audio Notifications To Make User Interfaces More Inclusive
Country
India
Challenge
Consumers and merchants require a confirmation to ensure that a merchant transaction has been completed successfully, and must both be aware of this notification simultaneously in order for it to be effective.
Pix Scheme Rules Set Minimum Requirements for Notifications
Country
Brazil
Challenge
Users may experience transaction failures or delays for a variety of reasons.
Outcome
Through Pix’s required notifications, users clearly understand why something has gone wrong and what might happen as a result.
Pix Randomized Key Alias
Country
Brazil
Challenge
In designing Pix, the Brazilian central bank recognized the need to offer a variety of alias options
Outcome
The randomized key is the most used alias, with the key representing 49% of total registered aliases
Certainty of Payee in UPI (India)
Country
India
Challenge
Users must have a way to ensure that they are sending funds to the correct recipient.
Outcome
UPI offers a clear, consistent way to ensure that funds are sent to the correct recipient.
Certainty of Payee Flow in Pix (Brazil)
Country
Brazil
Challenge
Users must have a way to ensure that they are sending funds to the correct recipient.
Outcome
Pix offers a clear, consistent way to ensure that funds are sent to the correct recipient.
Complaint and Funds Refund Mechanism in Brazil
Country
Brazil
Challenge
Pix recognized that some potential and existing users of the IPS were concerned about using the system for fear of experiencing fraud and loss of funds.
Outcome
Pix’s Special Mechanism for Return is used extensively, although recovery of funds tends to be limited. Further improvements are planned.
Related Resources
Explore more practices
Review other L1P practices and learn more about how to apply them to your IPS.
