Paypal has a handy way to enable money transfers, <paypal.me/{account}/{amount}>. The .com domain can do the same with more features (non-default currency, description etc.) but less friendly URLs. I wish this was possible for SWIFT payments and your existing domain names which have been linked to an IBAN (and perhaps implied BIC), like so:
-
swift://example.org/123.45pay Example 123.45 in their default/local currency -
swift://example.org/123.45EUR… in Euro (ISO 4217) -
swift://example.org/123.45EUR/2018-10-01… on 1 October this year in their default/local timezone (ISO 8601 date) -
swift://example.org/123.45EUR/2018-10-01T12Z… at 12:00:00 UTC (ISO 8601 time) -
swift://example.org/123.45EUR/R/… make it a recurring payment (ISO 8601 repeating interval) -
swift://example.org/123.45EUR/R12/… ending after 12 payments -
swift://example.org/123.45EUR/R12/P1M… make it monthly (ISO 8601 time interval) -
swift://example.org/123.45EUR/R12/2018-10-01… beginning on 1 October again -
swift://example.org/123.45EUR/R12/P1M/2018-10-01… those combined -
swift://example.org/123.45EUR/R12/P1M/2019-09-30… ending next year at the end of September
Clicking such a link or discovering it through a QR code etc. would open up the userʼs default (and trusted) online banking app or website with the payment details already filled in, just waiting for the credentials.
I know there are other payment APIs, but they seem to be focused on or are even restricted to B2C e-commerce scenarios.
Iʼm not sure how to add notes and other information into the URL: path, query or fragment.
I donʼt care whether the scheme is swift, iban, pay, finance, money or something else.
