Yaspa's user experience

Yaspa's hosted flows are a modern open banking user experience where:

• The bank selection page is organized with top institutions towards the top and a familiar icon for each.
• Additional context and required acknowledgements, such as privacy policies and terms of use, are clearly placed at appropriate stages of the flow.
• The customer can change language settings or cancel the flow at any time.

If there is a soft decline, the hosted experience guides the customer towards resolution in-session. When a payment must be terminally declined, customers see clear error messaging before Yaspa redirects them back to the merchant.

Yaspa supports both OAuth and credential-based (non-OAuth) flows within the hosted journey. Both take place between the arrows in the screens below. The flow depends on what the customer's bank supports, so returning users and customers who have used open banking before follow a familiar journey. The sections below describe and show each flow.

OAuth

A growing number of the largest banks in the United States support OAuth authentication. The Yaspa hosted page redirects the customer to the bank's website or mobile application, where they authenticate and authorize account data access. Once the customer completes the bank's OAuth process, the bank redirects them back to Yaspa to finish connecting the account or accounts and submit the payment.

Because of the number and size of the banks that support OAuth, most customers follow this flow. The screens below show an example of the sequence.

Non-OAuth

For other banks, customers log in to their accounts directly within the Yaspa hosted journey. The hosted journey also handles any challenges, such as multi-factor authentication, within the session, as shown in the sample screens below.

Customer-facing transaction emails

In accordance with the rules of Yaspa's banking partner, Yaspa sends emails directly to customers with information about the transactions they have completed, as in the template below.

Merchant user experience design

Yaspa works with merchants directly during integration to agree on the best placement, branding, and user experience design. General guidelines:

• Show the payment method as Pay by Bank at checkout. Including the word "bank" signals a secure, familiar payment route, which reduces hesitation and makes customers more likely to choose it.
• Use Yaspa's optimized payment buttons, which are available to download. Research shows that showing local, familiar bank icons increases clicks, improves conversion and builds trust with customers.
• Tags such as "New" or "Recommended" and a prominent position for Pay by Bank at the top of the available payment methods can draw customers' attention to the method and increase adoption.
• For returning users, place Yaspa with the accounts on file and/or pre-select it if it was the most recently used method to speed up the journey.
• Consider hiding, disabling, or graying out the Yaspa button if the requested amount exceeds the transaction limit.

The screens below show the first-time user (Yaspa placed and tagged) and the returning user (Yaspa pre-selected).