Case scenarios

• August 21, 2024

  Case scenarios about e-commerce web building tools and payment gateways

  The following fictional case scenarios provide examples of payment functions, namely the initiation of an electronic funds transfer (EFT) at the request of an end user, and the authorization of an EFT or the transmission, reception or facilitation of an instruction in relation to the EFT. They also provide examples of incidental activities under the Retail Payment Activities Act.

  Content Type(s): Retail payments supervision materials, Case scenarios Research Topic(s): Registration
• December 12, 2023

  Case scenarios about point-of-sale terminals

  The following fictional case scenarios provide details about the payment functions: initiation of an electronic funds transfer at the request of an end user; the authorization of an electronic funds transfer; and the transmission, reception or facilitation of an instruction in relation to an electronic funds transfer.

  Content Type(s): Retail payments supervision materials, Case scenarios Research Topic(s): Registration
• December 12, 2023

  Case scenarios about payment accounting software and invoice payment services

  The following fictional case scenarios provide details about the payment functions: provision or maintenance of an account on behalf of an end user; the initiation of an electronic funds transfer at the request of an end user; the provision of clearing and settlement services; as well as examples of incidental activities under the Retail Payment Activities Act.

  Content Type(s): Retail payments supervision materials, Case scenarios Research Topic(s): Registration
• December 12, 2023

  Case scenarios about merchants and the incidental payment function

  The following fictional case scenarios offer examples of providing or maintaining an account payment function as well as examples of incidental activities under the Retail Payment Activities Act.

  Content Type(s): Retail payments supervision materials, Case scenarios Research Topic(s): Registration
• December 12, 2023

  Case scenarios about merchant or group of merchants instrument exclusion

  The following fictional case scenarios illustrate the types of activities exempted under paragraph 6(a) of the Retail Payment Activities Act.

  Content Type(s): Retail payments supervision materials, Case scenarios Research Topic(s): Registration
• December 12, 2023

  Case scenarios about geographic scope

  The following fictional case scenarios provide examples of how to apply the geographic scope criteria under the Retail Payment Activities Act when a foreign payment service provider is involved.

  Content Type(s): Retail payments supervision materials, Case scenarios Research Topic(s): Registration
• December 12, 2023

  Case scenarios about designated payment systems

  The following fictional case scenarios provide examples to help differentiate payment functions performed using a designated system under section 7 of the Retail Payment Activities Act (and exempted as a result) from other non-exempted payment functions related to the same transaction.

  Content Type(s): Retail payments supervision materials, Case scenarios Research Topic(s): Registration
• December 12, 2023

  Case scenarios about agents and mandataries

  The following fictional case scenarios illustrate the obligations of registered payment service providers (PSPs) to declare their agents and mandataries. They also describe the situations when agents of exempted PSPs must register with the Bank of Canada.

  Content Type(s): Retail payments supervision materials, Case scenarios Research Topic(s): Registration
• December 12, 2023

  Case scenarios about affiliated entities

  The following fictional case scenarios illustrate what may be considered an affiliated entity, as defined in the Retail Payment Activities Act.

  Content Type(s): Retail payments supervision materials, Case scenarios Research Topic(s): Registration