iMESSAGE PAYMENT

iMessage payment allows the user to initiate a payment to a beneficiary, that is, the contact in context of the conversation, by launching the app from iMessage.

On selection of Futura Bank app from iMessage, the user can initiate a payment by clicking ‘Send Money’. The authentication screen appears to authenticate the user either through touch ID or Face ID, depending upon the alternate login option enabled.

On successful authentication, the user can enter payment details and confirm the payment.

On payment confirmation, the system sends a link to the beneficiary to claim the payment. It also generates a security code that is displayed to the initiator, which needs to be shared with the beneficiary separately.

Note:
Limits defined for P2P transfer will be utilized.
On initiation of the payment, the account of the initiator gets debited or placed on hold, depending on the bank setup.
This feature is available only on iOS devices with a minimum version of iOS11.
Face ID as alternate login is available only for iOS devices supporting it.

Pre-requisites

• User has set Touch ID / Face ID as an alternate login for Futura Bank application. Touch ID / Face ID is dependent on the device support.

Initiate Payment

To initiate a payment in iMessage:

1. Launch the iMessage application on the device.
2. Open a conversation in iMessage with the contact to whom a payment needs to be initiated.

3. Click to launch the Futura Bank application to quick pay.

4. Click Send Money to transfer money to the contact in context, that is, the beneficiary. The Touch ID / Face ID authentication screen appears. 

5. Perform the authentication.
   The money transfer screen appears on successful authentication.

6. From the Transfer From list, select an account from which the payment needs to be made to the beneficiary.
7. From the Currency list, select the currency.
8. In the Amount field, enter the amount that needs to be transferred to the beneficiary.
9. In the Remarks field, enter transaction remarks/comments for reference.
10. Click Pay to initiate the payment.
    The Verify and Confirm screen appears.
    OR
    Click Cancel to cancel the transaction.
11. A success message of the payment along with the transaction reference number appears.
12. The system sends a link to the beneficiary to claim the payment.
13. The security code is displayed to you and can be shared with the beneficiary as a separate message.

Claim Money – Payment initiated to iMessage contact

To claim money by beneficiary:

1. The beneficiary user can click on the link sent by the system on the iMessage application to claim the money. The user is re-directed to the Claim Money screen to claim the payment.

Note: The user, that is the beneficiary, is always re-directed to the URL of the entity from which the sender initiated the payment. P2P payment initiated from one entity cannot be claimed in another entity.

2. In the Security code field, enter the security code as provided by the sender of funds.

3. For the subsequent steps on Claim Money process, refer the Claim money link document.

FAQ

Can every Futura Bank user initiate a payment through iMessage or is there an additional configuration required?

There is no additional configuration required. Any user having an iOS device with the required version can initiate a payment through iMessage.

Can I initiate a payment to multiple contacts in one go?

No. You can initiate a payment only to the contact in context. Payments cannot be made to multiple contacts in question.

How will the beneficiary contact claim the payment initiated by the sender?

On initiation of the payment by the sender, the beneficiary gets a link in iMessage. On clicking the link, the beneficiary is redirected to the URL wherein he can enter the security code provided by the sender to claim the payment.