{"id":39232,"date":"2020-02-07T17:16:19","date_gmt":"2020-02-07T17:16:19","guid":{"rendered":"https:\/\/www.gsma.com\/futurenetworks\/gsma_resources\/rcs-and-payments-whitepaper\/"},"modified":"2025-04-11T15:36:37","modified_gmt":"2025-04-11T14:36:37","slug":"rcs-and-payments-whitepaper","status":"publish","type":"gsma_theme_resources","link":"https:\/\/www.gsma.com\/solutions-and-impact\/technologies\/networks\/gsma_resources\/rcs-and-payments-whitepaper\/","title":{"rendered":"RCS and Payments Whitepaper"},"content":{"rendered":"<p>This whitepaper explores how features of RCS can be used to achieve SCA replacing OTP-over-SMS and in particular for online payment applications. The paper moves further to evaluate different ways that payments can be integrated into RCS directly, offering a complete user journey within the messaging client. It concludes with analysing how RCS can enhance existing payment methods. This is an effort to make consumers, card issuers, and banks aware of the benefits that could be achieved through the use of RCS.<\/p>\n<p><a href=\"https:\/\/www.gsma.com\/solutions-and-impact\/technologies\/networks\/wp-content\/uploads\/2020\/02\/RCS-and-Payments-Whitepaper-1.pdf\">Download<\/a> the full paper to learn more.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>This whitepaper explores how features of RCS can be used to achieve SCA replacing OTP-over-SMS and in particular for online payment applications. The paper moves further to evaluate different ways that payments can be integrated into RCS directly, offering a complete user journey within the messaging client. It concludes with analysing how RCS can enhance [&hellip;]<\/p>\n","protected":false},"author":48,"featured_media":0,"template":"","meta":{"image":"https:\/\/www.gsma.com\/solutions-and-impact\/technologies\/networks\/wp-content\/uploads\/2020\/02\/Capture.png","json":{"gsma_resources_type":"Document","gsma_resources_thumb":"[28108]","gsma_resources_file":"[28436]","gsma_resources_multi":null,"gsma_resources_wgr":null,"gsma_resources_video":null,"gsma_resources_image":"[]","gsma_resources_url":"","gsma_resources_date":"03-02-2020","gsma_resources_button":"Download"}},"tags":[],"resource_categories":[8974,9226,8975],"algolia_discover_type":[15361],"class_list":["post-39232","gsma_theme_resources","type-gsma_theme_resources","status-publish","hentry","resource_categories-rcs","resource_categories-rcs-documents","resource_categories-resources","algolia_discover_type-resource"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v25.7.1 (Yoast SEO v27.9) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>RCS and Payments Whitepaper - Networks<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.gsma.com\/solutions-and-impact\/technologies\/networks\/gsma_resources\/rcs-and-payments-whitepaper\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"RCS and Payments Whitepaper\" \/>\n<meta property=\"og:description\" content=\"This whitepaper explores how features of RCS can be used to achieve SCA replacing OTP-over-SMS and in particular for online payment applications. The paper moves further to evaluate different ways that payments can be integrated into RCS directly, offering a complete user journey within the messaging client. It concludes with analysing how RCS can enhance [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.gsma.com\/solutions-and-impact\/technologies\/networks\/gsma_resources\/rcs-and-payments-whitepaper\/\" \/>\n<meta property=\"og:site_name\" content=\"Networks\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/gsma\/\" \/>\n<meta property=\"article:modified_time\" content=\"2025-04-11T14:36:37+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.gsma.com\/solutions-and-impact\/technologies\/networks\/wp-content\/uploads\/2019\/04\/GSMA_logo_colour_web.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1000\" \/>\n\t<meta property=\"og:image:height\" content=\"1000\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:site\" content=\"@GSMA\" \/>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"RCS and Payments Whitepaper - Networks","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.gsma.com\/solutions-and-impact\/technologies\/networks\/gsma_resources\/rcs-and-payments-whitepaper\/","og_locale":"en_GB","og_type":"article","og_title":"RCS and Payments Whitepaper","og_description":"This whitepaper explores how features of RCS can be used to achieve SCA replacing OTP-over-SMS and in particular for online payment applications. The paper moves further to evaluate different ways that payments can be integrated into RCS directly, offering a complete user journey within the messaging client. It concludes with analysing how RCS can enhance [&hellip;]","og_url":"https:\/\/www.gsma.com\/solutions-and-impact\/technologies\/networks\/gsma_resources\/rcs-and-payments-whitepaper\/","og_site_name":"Networks","article_publisher":"https:\/\/www.facebook.com\/gsma\/","article_modified_time":"2025-04-11T14:36:37+00:00","og_image":[{"width":1000,"height":1000,"url":"https:\/\/www.gsma.com\/solutions-and-impact\/technologies\/networks\/wp-content\/uploads\/2019\/04\/GSMA_logo_colour_web.jpg","type":"image\/jpeg"}],"twitter_card":"summary_large_image","twitter_site":"@GSMA","schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/www.gsma.com\/solutions-and-impact\/technologies\/networks\/gsma_resources\/rcs-and-payments-whitepaper\/","url":"https:\/\/www.gsma.com\/solutions-and-impact\/technologies\/networks\/gsma_resources\/rcs-and-payments-whitepaper\/","name":"RCS and Payments Whitepaper - Networks","isPartOf":{"@id":"https:\/\/www.gsma.com\/solutions-and-impact\/technologies\/networks\/#website"},"datePublished":"2020-02-07T17:16:19+00:00","dateModified":"2025-04-11T14:36:37+00:00","breadcrumb":{"@id":"https:\/\/www.gsma.com\/solutions-and-impact\/technologies\/networks\/gsma_resources\/rcs-and-payments-whitepaper\/#breadcrumb"},"inLanguage":"en-GB","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.gsma.com\/solutions-and-impact\/technologies\/networks\/gsma_resources\/rcs-and-payments-whitepaper\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/www.gsma.com\/solutions-and-impact\/technologies\/networks\/gsma_resources\/rcs-and-payments-whitepaper\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.gsma.com\/solutions-and-impact\/technologies\/networks\/"},{"@type":"ListItem","position":2,"name":"RCS and Payments Whitepaper"}]},{"@type":"WebSite","@id":"https:\/\/www.gsma.com\/solutions-and-impact\/technologies\/networks\/#website","url":"https:\/\/www.gsma.com\/solutions-and-impact\/technologies\/networks\/","name":"Networks","description":"","publisher":{"@id":"https:\/\/www.gsma.com\/solutions-and-impact\/technologies\/networks\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.gsma.com\/solutions-and-impact\/technologies\/networks\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-GB"},{"@type":"Organization","@id":"https:\/\/www.gsma.com\/solutions-and-impact\/technologies\/networks\/#organization","name":"GSMA","url":"https:\/\/www.gsma.com\/solutions-and-impact\/technologies\/networks\/","logo":{"@type":"ImageObject","inLanguage":"en-GB","@id":"https:\/\/www.gsma.com\/solutions-and-impact\/technologies\/networks\/#\/schema\/logo\/image\/","url":"https:\/\/www.gsma.com\/solutions-and-impact\/technologies\/networks\/wp-content\/uploads\/2025\/01\/GSMA-Logo-Red-RGB_square.jpg","contentUrl":"https:\/\/www.gsma.com\/solutions-and-impact\/technologies\/networks\/wp-content\/uploads\/2025\/01\/GSMA-Logo-Red-RGB_square.jpg","width":600,"height":600,"caption":"GSMA"},"image":{"@id":"https:\/\/www.gsma.com\/solutions-and-impact\/technologies\/networks\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/gsma\/","https:\/\/x.com\/GSMA","https:\/\/www.instagram.com\/gsmaonline\/","https:\/\/www.linkedin.com\/company\/gsma","https:\/\/www.youtube.com\/user\/GSMAOnline","https:\/\/en.wikipedia.org\/wiki\/GSMA"]}]}},"cats":[{"term_id":8977,"name":"5G","slug":"5g","term_group":0,"term_taxonomy_id":8979,"taxonomy":"resource_categories","description":"","parent":15473,"count":91,"filter":"raw"},{"term_id":15391,"name":"5G Communication Services","slug":"5g-communication-services","term_group":0,"term_taxonomy_id":15393,"taxonomy":"resource_categories","description":"","parent":15390,"count":12,"filter":"raw"},{"term_id":15411,"name":"5G ROI","slug":"5g-return-on-investment","term_group":0,"term_taxonomy_id":15413,"taxonomy":"resource_categories","description":"","parent":15390,"count":13,"filter":"raw"},{"term_id":15384,"name":"5G Standalone","slug":"5g-standalone","term_group":0,"term_taxonomy_id":15386,"taxonomy":"resource_categories","description":"","parent":0,"count":25,"filter":"raw"},{"term_id":15314,"name":"5G-Advanced","slug":"5g-advanced","term_group":0,"term_taxonomy_id":15316,"taxonomy":"resource_categories","description":"","parent":0,"count":31,"filter":"raw"},{"term_id":15317,"name":"5G-Advanced","slug":"5g-advanced-all-projects","term_group":0,"term_taxonomy_id":15319,"taxonomy":"resource_categories","description":"","parent":0,"count":2,"filter":"raw"},{"term_id":15476,"name":"6G","slug":"6g-2","term_group":0,"term_taxonomy_id":15478,"taxonomy":"resource_categories","description":"","parent":0,"count":5,"filter":"raw"},{"term_id":15472,"name":"6G","slug":"6g","term_group":0,"term_taxonomy_id":15474,"taxonomy":"resource_categories","description":"","parent":15473,"count":4,"filter":"raw"},{"term_id":15396,"name":"AI for Networks","slug":"ai-for-networks","term_group":0,"term_taxonomy_id":15398,"taxonomy":"resource_categories","description":"","parent":15395,"count":8,"filter":"raw"},{"term_id":15459,"name":"Article","slug":"article","term_group":0,"term_taxonomy_id":15461,"taxonomy":"resource_categories","description":"","parent":15457,"count":5,"filter":"raw"},{"term_id":15398,"name":"Capability Exposure\u00a0(NaaS)","slug":"capability-exposure","term_group":0,"term_taxonomy_id":15400,"taxonomy":"resource_categories","description":"","parent":0,"count":21,"filter":"raw"},{"term_id":15458,"name":"Case study","slug":"case-study","term_group":0,"term_taxonomy_id":15460,"taxonomy":"resource_categories","description":"","parent":15457,"count":5,"filter":"raw"},{"term_id":15408,"name":"CNTT \/ Aknunet","slug":"cntt-knunet","term_group":0,"term_taxonomy_id":15410,"taxonomy":"resource_categories","description":"","parent":15401,"count":0,"filter":"raw"},{"term_id":15407,"name":"Communications","slug":"communications","term_group":0,"term_taxonomy_id":15409,"taxonomy":"resource_categories","description":"","parent":15390,"count":9,"filter":"raw"},{"term_id":15390,"name":"Complete 5G","slug":"complete-5g","term_group":0,"term_taxonomy_id":15392,"taxonomy":"resource_categories","description":"","parent":0,"count":14,"filter":"raw"},{"term_id":15460,"name":"Documents and reports","slug":"documents-and-reports","term_group":0,"term_taxonomy_id":15462,"taxonomy":"resource_categories","description":"","parent":15457,"count":7,"filter":"raw"},{"term_id":15413,"name":"Enterprise requirements","slug":"enterprise-requirements","term_group":0,"term_taxonomy_id":15415,"taxonomy":"resource_categories","description":"","parent":15390,"count":16,"filter":"raw"},{"term_id":15409,"name":"Enterprise Use Cases","slug":"enterprise-use-cases","term_group":0,"term_taxonomy_id":15411,"taxonomy":"resource_categories","description":"","parent":0,"count":11,"filter":"raw"},{"term_id":15400,"name":"Events","slug":"events","term_group":0,"term_taxonomy_id":15402,"taxonomy":"resource_categories","description":"","parent":0,"count":6,"filter":"raw"},{"term_id":15480,"name":"FWA","slug":"fwa","term_group":0,"term_taxonomy_id":15482,"taxonomy":"resource_categories","description":"","parent":15473,"count":1,"filter":"raw"},{"term_id":15412,"name":"GSMA Fusion - Demand","slug":"gsma-fusion-demand","term_group":0,"term_taxonomy_id":15414,"taxonomy":"resource_categories","description":"","parent":15398,"count":3,"filter":"raw"},{"term_id":15468,"name":"Infrastructure","slug":"infrastructure","term_group":0,"term_taxonomy_id":15470,"taxonomy":"resource_categories","description":"","parent":0,"count":0,"filter":"raw"},{"term_id":15395,"name":"Mobile AI","slug":"mobile-ai","term_group":0,"term_taxonomy_id":15397,"taxonomy":"resource_categories","description":"","parent":0,"count":9,"filter":"raw"},{"term_id":15478,"name":"Mobile AI","slug":"mobile-ai-topic","term_group":0,"term_taxonomy_id":15480,"taxonomy":"resource_categories","description":"","parent":15473,"count":2,"filter":"raw"},{"term_id":9667,"name":"MWC Barcelona","slug":"mwc-barcelona","term_group":0,"term_taxonomy_id":9669,"taxonomy":"resource_categories","description":"","parent":15400,"count":41,"filter":"raw"},{"term_id":15470,"name":"MWC Doha","slug":"mwc-doha","term_group":0,"term_taxonomy_id":15472,"taxonomy":"resource_categories","description":"","parent":15400,"count":2,"filter":"raw"},{"term_id":15402,"name":"MWC Shanghai","slug":"mwc-shanghai","term_group":0,"term_taxonomy_id":15404,"taxonomy":"resource_categories","description":"","parent":15400,"count":1,"filter":"raw"},{"term_id":15388,"name":"Network Capabilities","slug":"network-capabilities","term_group":0,"term_taxonomy_id":15390,"taxonomy":"resource_categories","description":"","parent":15314,"count":24,"filter":"raw"},{"term_id":15387,"name":"Network Slicing","slug":"network-slicing","term_group":0,"term_taxonomy_id":15389,"taxonomy":"resource_categories","description":"","parent":15384,"count":7,"filter":"raw"},{"term_id":15389,"name":"Network Transformation (APIs)","slug":"network-transformation","term_group":0,"term_taxonomy_id":15391,"taxonomy":"resource_categories","description":"","parent":15314,"count":11,"filter":"raw"},{"term_id":15397,"name":"Networks for AI","slug":"networks-for-ai","term_group":0,"term_taxonomy_id":15399,"taxonomy":"resource_categories","description":"","parent":15395,"count":7,"filter":"raw"},{"term_id":15385,"name":"NTN \/ Satellites","slug":"ntn-satellites","term_group":0,"term_taxonomy_id":15387,"taxonomy":"resource_categories","description":"","parent":15384,"count":11,"filter":"raw"},{"term_id":15399,"name":"Open Gateway - Supply","slug":"open-gateway","term_group":0,"term_taxonomy_id":15401,"taxonomy":"resource_categories","description":"","parent":15398,"count":10,"filter":"raw"},{"term_id":15277,"name":"Operator Platform Group","slug":"operator-platform-all-projects","term_group":0,"term_taxonomy_id":15279,"taxonomy":"resource_categories","description":"","parent":15398,"count":30,"filter":"raw"},{"term_id":15465,"name":"OPG","slug":"opg","term_group":0,"term_taxonomy_id":15467,"taxonomy":"resource_categories","description":"","parent":15464,"count":1,"filter":"raw"},{"term_id":15461,"name":"Press release","slug":"press-release","term_group":0,"term_taxonomy_id":15463,"taxonomy":"resource_categories","description":"","parent":15457,"count":0,"filter":"raw"},{"term_id":15386,"name":"Private Networks","slug":"private-networks","term_group":0,"term_taxonomy_id":15388,"taxonomy":"resource_categories","description":"","parent":15384,"count":14,"filter":"raw"},{"term_id":8974,"name":"RCS","slug":"rcs","term_group":0,"term_taxonomy_id":8976,"taxonomy":"resource_categories","description":"","parent":15391,"count":162,"filter":"raw"},{"term_id":15466,"name":"RCS","slug":"rcs-working-group-resources","term_group":0,"term_taxonomy_id":15468,"taxonomy":"resource_categories","description":"","parent":15464,"count":1,"filter":"raw"},{"term_id":9702,"name":"RCS Business Messaging Labs","slug":"rcs-business-messaging-labs","term_group":0,"term_taxonomy_id":9704,"taxonomy":"resource_categories","description":"","parent":8974,"count":6,"filter":"raw"},{"term_id":9666,"name":"RCS Demos and Case Studies","slug":"rcs-demos-and-case-studies","term_group":0,"term_taxonomy_id":9668,"taxonomy":"resource_categories","description":"","parent":8974,"count":58,"filter":"raw"},{"term_id":9226,"name":"RCS Documents","slug":"rcs-documents","term_group":0,"term_taxonomy_id":9228,"taxonomy":"resource_categories","description":"","parent":8974,"count":66,"filter":"raw"},{"term_id":15462,"name":"Resource","slug":"resource","term_group":0,"term_taxonomy_id":15464,"taxonomy":"resource_categories","description":"","parent":15457,"count":14,"filter":"raw"},{"term_id":15457,"name":"Resource Type","slug":"resource-type","term_group":0,"term_taxonomy_id":15459,"taxonomy":"resource_categories","description":"","parent":0,"count":21,"filter":"raw"},{"term_id":8975,"name":"Resources","slug":"resources","term_group":0,"term_taxonomy_id":8977,"taxonomy":"resource_categories","description":"","parent":0,"count":313,"filter":"raw"},{"term_id":15392,"name":"Roaming","slug":"roaming","term_group":0,"term_taxonomy_id":15394,"taxonomy":"resource_categories","description":"","parent":15390,"count":0,"filter":"raw"},{"term_id":15467,"name":"Specification","slug":"specification","term_group":0,"term_taxonomy_id":15469,"taxonomy":"resource_categories","description":"","parent":15457,"count":2,"filter":"raw"},{"term_id":15401,"name":"Technology Infrastructure","slug":"technology-infrastructure","term_group":0,"term_taxonomy_id":15403,"taxonomy":"resource_categories","description":"","parent":0,"count":4,"filter":"raw"},{"term_id":15286,"name":"Telco Edge Cloud","slug":"telco-edge","term_group":0,"term_taxonomy_id":15288,"taxonomy":"resource_categories","description":"","parent":15390,"count":25,"filter":"raw"},{"term_id":15473,"name":"Topic","slug":"topic","term_group":0,"term_taxonomy_id":15475,"taxonomy":"resource_categories","description":"","parent":0,"count":10,"filter":"raw"},{"term_id":15394,"name":"Tower &amp; Fibre","slug":"tower-and-fibre","term_group":0,"term_taxonomy_id":15396,"taxonomy":"resource_categories","description":"","parent":15401,"count":5,"filter":"raw"},{"term_id":15474,"name":"Tower Infrastructure","slug":"tower-infrastructure","term_group":0,"term_taxonomy_id":15476,"taxonomy":"resource_categories","description":"","parent":15473,"count":2,"filter":"raw"},{"term_id":15469,"name":"Towers","slug":"towers","term_group":0,"term_taxonomy_id":15471,"taxonomy":"resource_categories","description":"","parent":15468,"count":0,"filter":"raw"},{"term_id":15463,"name":"Video","slug":"video","term_group":0,"term_taxonomy_id":15465,"taxonomy":"resource_categories","description":"","parent":15457,"count":4,"filter":"raw"},{"term_id":8982,"name":"VoLTE","slug":"volte","term_group":0,"term_taxonomy_id":8984,"taxonomy":"resource_categories","description":"","parent":15391,"count":9,"filter":"raw"},{"term_id":15393,"name":"VoWiFi","slug":"voice-over-wifi","term_group":0,"term_taxonomy_id":15395,"taxonomy":"resource_categories","description":"","parent":15391,"count":2,"filter":"raw"},{"term_id":15331,"name":"Wiki","slug":"wiki","term_group":0,"term_taxonomy_id":15333,"taxonomy":"resource_categories","description":"","parent":0,"count":48,"filter":"raw"},{"term_id":15464,"name":"Working Group Resources","slug":"working-group-resources","term_group":0,"term_taxonomy_id":15466,"taxonomy":"resource_categories","description":"","parent":0,"count":2,"filter":"raw"}],"_links":{"self":[{"href":"https:\/\/www.gsma.com\/solutions-and-impact\/technologies\/networks\/wp-json\/wp\/v2\/gsma_theme_resources\/39232","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.gsma.com\/solutions-and-impact\/technologies\/networks\/wp-json\/wp\/v2\/gsma_theme_resources"}],"about":[{"href":"https:\/\/www.gsma.com\/solutions-and-impact\/technologies\/networks\/wp-json\/wp\/v2\/types\/gsma_theme_resources"}],"author":[{"embeddable":true,"href":"https:\/\/www.gsma.com\/solutions-and-impact\/technologies\/networks\/wp-json\/wp\/v2\/users\/48"}],"version-history":[{"count":1,"href":"https:\/\/www.gsma.com\/solutions-and-impact\/technologies\/networks\/wp-json\/wp\/v2\/gsma_theme_resources\/39232\/revisions"}],"predecessor-version":[{"id":44087,"href":"https:\/\/www.gsma.com\/solutions-and-impact\/technologies\/networks\/wp-json\/wp\/v2\/gsma_theme_resources\/39232\/revisions\/44087"}],"wp:attachment":[{"href":"https:\/\/www.gsma.com\/solutions-and-impact\/technologies\/networks\/wp-json\/wp\/v2\/media?parent=39232"}],"wp:term":[{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.gsma.com\/solutions-and-impact\/technologies\/networks\/wp-json\/wp\/v2\/tags?post=39232"},{"taxonomy":"resource_categories","embeddable":true,"href":"https:\/\/www.gsma.com\/solutions-and-impact\/technologies\/networks\/wp-json\/wp\/v2\/resource_categories?post=39232"},{"taxonomy":"algolia_discover_type","embeddable":true,"href":"https:\/\/www.gsma.com\/solutions-and-impact\/technologies\/networks\/wp-json\/wp\/v2\/algolia_discover_type?post=39232"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}