DIDComm

Payments 1.0

Summary

A protocol for proposing, invoicing, and settling payments over DIDComm.

Summary

A DIDComm v2 protocol for a secure payments handshake to propose, invoice, and settle off-rail payments. It enables:

  • Introducing payment coordinates (e.g., bank or EVM) once with proof of control
  • Negotiating how to pay and any tax/compliance preconditions
  • Exchanging receipts without re-sending sensitive details
  • Reusing stored methods per connection with sensible defaults

Motivation

Agents need interoperable, privacy-preserving payment interactions without embedding rails, custody, or FX into the protocol itself. This protocol standardizes messages, validation rules, and error taxonomy to coordinate payment terms and confirmations while keeping actual fund movement out-of-band (bank rails, on-chain transfers, PSPs). Non-goals include on-rail settlement and FX execution.

Version Change Log

1.0

  • Initial draft.

Roles

  • payer: The party that sends funds to settle an obligation.
  • payee: The party that receives funds.

Requirements (normative)

  • All messages use standard DIDComm v2 encryption.
  • Sign-then-encrypt is RECOMMENDED for handshake-request, receipt, and confirm for non-repudiation and auditability.
  • Use standard DIDComm v2 message fields: id, type, from, to, thid, optional pthid, created_time.
  • Sensitive coordinates and tax details MUST appear only in handshake-request.
  • If external attachments/links are used, include a content hash (multihash/multibase) and optionally a detached JWS; receivers MUST verify hashes before use.

Discoverability

Agents SHOULD advertise via Discover-Features:

  • Protocol: https://didcomm.org/payments/1.0
  • Claims (capabilities): method:evm, method<img class="emoji-icon" alt="emoji-bank" data-icon="emoji-bank" style="" src="data:image/png;base64, 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" title="emoji-bank" />iban, method<img class="emoji-icon" alt="emoji-bank" data-icon="emoji-bank" style="" src="data:image/png;base64, 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" title="emoji-bank" />upi, …
  • Optional: supported assets (CAIP-19), chains (CAIP-2), compliance features (e.g., vc:legal-entity, ivms101), quotes, refunds
  • Subscriptions/profile claims: subscriptions:autopay, subscriptions:notify, subscriptions:updates, subscriptions:retry

Data Conventions (normative)

Assets & Amounts

  • Identify assets with CAIP-19 (e.g., eip155:137/erc20:0x…).
  • Amount carried as:
    • quantity — atomic units as a string, canonical for validation.
    • display — UI-only object { "currency": "<code>", "value": "<decimal string>" }.
  • decimals MUST be supplied when not reliably derivable or to avoid live lookups.

Chains

  • Identify networks with CAIP-2 (e.g., eip155:1, eip155:137).

Canonical Hashing

  • terms_sha256 = SHA-256 over JCS-canonicalized terms JSON; base64url.
  • receipt.summary_hash MUST match terms_sha256.

Proofs of Control

  • EVM: EIP-191 or EIP-712 signature over a challenge binding {did, session.id, timestamp}.
  • Bank: pluggable proof (micro-deposit code, bank attestation, VC, Open-Banking consent ref).

Cross-protocol correlation & extensions

  • Optional correlation fields allowed in any message body: mandate_id, cycle_id, quote_id.
  • Messages MAY include ext (object) for namespaced extensions. Keys SHOULD be reverse-DNS URIs and unknown keys MUST be ignored.

States

State machine (base flow):

query-methods → methods (optional)
compliance-request → compliance-response (optional; REQUIRED if demanded)
handshake-request → requested
handshake-accept → accepted
receipt → receipted
confirm(received|pending|settled|failed) → terminal
cancel or problem-report at any time → abandoned

Sessions expire at session.ttl; late receipts MUST be ignored and MAY elicit a problem-report (session-closed).

Basic Walkthrough

  1. Discovery and Compliance (optional): query-methods → methods → compliance-request → compliance-response
  2. Secure Reveal and Acceptance: handshake-request (coordinates, terms, invoice, tax) → handshake-accept
  3. Off-rail Payment and Confirmation: Payer pays off-band → receipt (tx ref, summary hash) → confirm (received|pending|settled|failed)

Security

  • Confidentiality & Integrity: Standard DIDComm v2 encryption provides message confidentiality and integrity; place sensitive data only in handshake-request.
  • Non-repudiation: Sign-then-encrypt recommended for handshake-request, receipt, confirm.
  • Replay protection: Bind proofs to {did, session.id, timestamp/nonce}; enforce reasonable clock skew.
  • Data minimization: Receipts exclude coordinates and full terms; include only references and hashes.
  • DID/Key rotation: Require thid continuity; if from/to rotate, re-auth on next hop.
  • DoS prevention: Rate-limit concurrent sessions per connection; cap payload sizes; reject oversized attachments.
  • Privacy in logging: Redact coordinates, VCs, and IVMS data; log only hashes/IDs.

Message Reference

All examples are DIDComm JSON bodies (outer envelope omitted for brevity).

query-methods

Message Type URI: https://didcomm.org/payments/1.0/query-methods

{
  "type": "https://didcomm.org/payments/1.0/query-methods",
  "id": "q-93f...",
  "to": ["did:peer:payee"],
  "from": "did:peer:payer",
  "body": {
    "want": ["method:evm", "method<img class="emoji-icon" alt="emoji-bank" data-icon="emoji-bank" style="" src="data:image/png;base64, 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" title="emoji-bank" />*"],
    "meta": {
      "purpose": "invoice|deposit|refund",
      "amount": { "currency": "USD", "value": "120.00" }
    }
  }
}

methods

Message Type URI: https://didcomm.org/payments/1.0/methods

{
  "type": "https://didcomm.org/payments/1.0/methods",
  "id": "m-2b1...",
  "thid": "q-93f...",
  "to": ["did:peer:payer"],
  "from": "did:peer:payee",
  "body": {
    "supported": [
      { "code": "method:evm", "variants": [{ "chain": "eip155:1" }, { "chain": "eip155:137" }] },
      { "code": "method<img class="emoji-icon" alt="emoji-bank" data-icon="emoji-bank" style="" src="data:image/png;base64, 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" title="emoji-bank" />iban" },
      { "code": "method<img class="emoji-icon" alt="emoji-bank" data-icon="emoji-bank" style="" src="data:image/png;base64, iVBORw0KGgoAAAANSUhEUgAAAEAAAABACAYAAACqaXHeAAAVlklEQVR4Xu2bB7SlVXn3f/ut5z3lnltm5s6dWi5TmBlhlBZRURMLKKjESFOTfKAsYSIQA0tWjDJgw4JoVKREAbuAfkK+yPgZoiwTQRQ0UqYpbSjTbjv1bXvv3Nnvueess2a4l8EIs5butfY69+zzPrs89f88+71Ca80fc7P4425/YoDD89z6i/4ZpcD+cODasYXQAAr9+0sSQWsukSTarjaT7+2qRRcfVAwQQgTDcwrfmN8fUPAcBBr9vzk/WWumip3j4ft7C95N4/X4voOGAUNl/5uDPTn6Cx6e/YexPgHktEJLaETp94AlTNOetyhQLrqvn1cONs4r5wh8G8EftkWJYlclZPtYeNlINbrkBdeAgmffnPcdpNY0Y8Ufummt8T2bUs7+UBCI65tN/egLxoCcI24pWpRGoohxAZrnrzVTEAn/LoRYrifb884AIUSpWAhWDK87nJ5yD7b9/EVerTT1RoOtDzzU39w9sgrY9IL4gJe98Y1vPeG0M255ydFH4+cLoA/ApQPoaX6b5pk0Ttj60IP86JabP3/bjdef94KZgOu6Pc3KBHG1hm85BMUCaLHPhpVMSZKENI5RSk1pEK7vk8vlAJCppFGv0RJc5xnXJ5fPnomjiCgMSaOIsDpBGEXFF9IJmkPJJAUhaNbrPPCre3EdB4QFHX0ll88zd8FC+ucM0qhMEEURruexZ8cOnnrsMSzHJpcLWLJiBTJJOj4myNOoVfnNfb9AxTHl/gEWDQ8jlUKmKTKODg4c4OcCtj14Pxec+jaKuRxaaFSStqRo4QU5CqUejj3+DZx54UV4QUC+UODWr32VL3z4UixgeNVKrtl4B1JKoyWe72O5Dpe/7wL+845/RwAf/MJVLFu9Gl2vo/VBhAQ12kh0xfAyevsH0Jl5kEpJs1pBaQDND75+A6M7d/DBq74EQLFUZPnSpeSLRfoH56JVi2m2TancxzUfvZQt9/2SlcuW8sa/PZNXn/gmmo3GQZgMaW16mkqzQS+X492XXMp7P/4J3vWhS1m8YqWx55WHruGhn9/Nbx94EN8PWjTpZE+QWoEGAfT393PHrd/l1uu/QqlY4rCXH8drTzmNOArRMqUtfnGwMABhnFeaJMYvRHHEnAULWbjsEI561Z/zutNOJwojEikRlqBRrWI5FkrplnNMkFIZJhV7e/nt5k188ZIPEeR8Bhcv4tT15xnfIpPkoMsGzcE12nxKKU03Uk1SkjghVyyYsTAMwbKMYysPzDLPTNEkxu5T4xuiMOQT7zufqFpl1tBc3n7BRcZ5NuvVdoTQrXXRB006bKGFIEmzcKcR9A0MUO7v46nHH+M7V3/JHKwyMcGJ73gnC5YuJY5jlFYkaYyb+oBFoaeHKy66iN/efz/lcpm3nHU2a446ktA4PX2wFkT0FPIiiWM0UK9UuO4TH+Oy9efy7te/lk33/pKe/n7efNZZnHrOuSQyBanRGuI4M5ugUOCWL3+ZjTd9k2JPDyec/naOP/V0wkYDKeXBWRCxXBdhWSBAKmU0QAPViQm+9oXPA1AMAhYsW8pfvfscTnrnO0iimPGREVRRoZQypmI7Do9s3cKv7r6bcm+fYaQSgqBYpNnYV/rmuxnTL6wG+K67OyiWcGwLwNh1FIV4nsdxr3s9R7/s5eSLBR7dspVPvf9C3vuXJ/Potq0mxAlhGRMwNGFIqdzLqsMPo1Gv4/g+N37us9z2tRvpmzUbIcT+D2nbB64BQghvXtm7Ouc5wnquCZwldH28ng6tXbu6b/AsHNcBbRhgDlCc18uFn74S13N4fNs2vnrlZ/jFnT/mnjt/wvo3n8TV/+92Vhx2GChNqhSNZsMAn/M/8nEueNvJVCYqlAoFPnPxRSxbsYqVLz6ciZE9negnwPU9kjRNDpgBc0r+5+eUg//Tm3exxXOtTwnGrZieYoFiTwnbtlFIUq2NcwvDJpaF0YQVLzqci664kvdNosSnH3uUifFxrr/ik1z5nZszxAgmWlQqFZatXcP6Sy7jkvecTaFYII5iLjnnXfzLD+/AD4omEoAw2lPs7WPPk08OHBADenyxauHs0tlDZZ9izkEI8RxTYdANGz/n4/g5g9y0AsDYdJpI8xmHEVI2mLd4MSvXrePhrVsQwO82baZerQGibTpGe8YrHHfiSZxx7nq+ftUXKRQKPPn4di77u3O5/PqvkkQ+SRIhTDgtUO7reasQYpXWevOzYkCp4N9UznlYlkWUKp5rs4QgTFNcBLZlGYlMqafUGmFB78AA+ULRAJ/K6Chb7v9vAHRmhi0fAAAKUGmKVBJZj3nHeRew7aEH+flPfoLvedw1mQvccOUVnP2PH2D30zsQaHKFAqVSiTzcBBw2IwP6AufMuX3BixwHoiRF/H7FEBqxItAKhEGBXZ66UWtw079cZ5jz9PbH+fl//AfbH3kYWwjDoLVHHmXgsozjNo1U0swRxSGe6/O+yz/Je9/yZnbteBqA6ycZMLxmDa9+w4mM7tmD43nk8wF5hxf1FZwzx+rpV56RAUKIXK/HdUnYZFxGPPcmMFFP2IyOKYpR2g43Snb8UWVinKsu20B3M9phUt7Tzz2XKGyYiDHVatUaUzgvjBrMnjuXiz/3uUnfcUqb/p/edSbX3r6R4ZWHElVrCNtBpiAcdZ0Q4pta63C/DCgUguuK5R7Ly/tox/p9YK85BFoR1nYhbRelJVKmJhucXIPAD8CypghQaOMk5y9ZyjGvehWv+cu3UiyVaNRqlMplE/4sx2bBsiXINGlrU61a5cUvPZb1H9rANyYxheM6xm9c/+lPs+FLV2NZAmwX7dsUyn1WbNevA96535LYa0855bGjTzhx0YJlw1iOs/+SkwBg2t/iJDaSGhsd5Xf33YcV1g20HejrR0uFQrd9RKdhxj3Px3Fck9GlaYJAoAVopRAAwkIAqpUVAmavjmOTxub5DDckCZ6fo5FE/OjmW3hq505mLVjAI7++7/Gf/utti/erAZbn1z3XJefYTO1NC2E2amI4tCaXCJ3ZuO06GKCgyKovWoMA27JxLAECg+S0VmiVHT7n+yBoZYYpGhCA5zhYQBKFZi4lFQCWZZn5srACti0AC6UgSaTJ/rSUJpxaLbCV2LZZF6WM9mEJbNfDdtz6M/oALTVaSsM9A13J7FgLRdioIdB7J8ByPKSUpsLbrNVb0hG4uQCVZtxXMjEhy/ymAcQUNqJeGQc0CNvU+6RURlWTRogyDNF4QR7RcpxKKdMNw21Bsx4ilALHMSYlpUAICJt1EyW0AM8PEG0Ip6ElBNA8MwO0bC8oyFpPOc+PN97JtZ+7CXIFlh8ywIbLLySMNFEz5MLzP04tsiCs8OFPXsCi4aUG4GSmpdFKgpaGEbnAZ9umraw/52MQFCkFihu+8jG8XECQc/m79ZezectOCBv8w8V/zRve9DrGxytMtSDv8/CWh1m//mOQ20uvJ+k/+oz0b3rL8dSbTbTS5vDmfNMxAOiEKt2yU61oag+WvgYGhqiJR7FUikChZEy9bw3MXgtPPESSamyh2jZr5mnbuTDSj6WGoT+Dhauo7nnQaJwFWEpSCRbCmpfB6FM0lIstujdro4mVhrkz0I9M0usMwSoBCECbPhMS1CgtuxigZYLtF2DZ0dizFuJXFFrGaG1nQGPeKvSSYwltH8t2UFIaU1Jag2rNo8WUDzDPsHgd/vCRWK5CIFu/peRmLUYUX4retR0naJi1zV46wnl29OXtuLkGUiXorn0AcsZsMLO7TldoNLg5hB+gLduMmd+URlgewsuBk+s4OgEC6OxdobMRhAAcH+HmwPWA1sNoLMtpjfvG3hEKBO3eFuPM9GDoO/toOd0ZNECDlqpbA6Y0QnUmkK1npGEOaC1afiaL/0oZRrQZJfYbN7M5u0cFGkBNk37qZ0uvu8SsNa1zTesENYhuH6C0IIpSmKgh3Sa1WrM9mZKKZqUOo43sd+mBUtDtR4DMBJQJexJGa4QjdRivImU2rjRMVGvouAajFcIwQdMtNaUhkemzpE+htSYZmgDT1TQaoEBJuqJApR5z1OohhoYcsMfoEUtpJppUpTiez8V/tZDY2Y04YoChOQ7NKG0zQKPBfAIIwkiyYGiAD/6Ni/JqBHIlbuCTpJnI3/+2NYwmCSLpZ+V8l2ot7b7pDRMWDs2epPdnpl/gUq0nCHR3UVZM7wT3iQJxnJLvyfPiWRkXY1Wm1kzbZrnykB5sEhRFqk1JKpUxA6Z6y/oRGWhxcj6vPGoIoSWSIpV6glISJWHtoXPxLA2iSK2pibrL26RS4h4QfZptoZOCgpo2DCo0sksDIKORTg4B2R2fjlE6Q2hSuGD7aAXQyGx/Si2V7tiemjIvULZv0GWGEONOuLRcdAtxatHcn9M6cHqtEVN02R/TRAHNPot65nJyFz+45XZu/95GfnXXvWbMsiwEip/+6E5u/7//nx/e9kOiRsOMa6ENI+h2OriOY4qXt3zr+9z09e+z8daNWJY2NL7v8Z8//hnf/vr3+PZXb+Hpp57E871uaT1Heg0ZIzJznMEJ6m4fkMs53P+bbXz3hrug1E95tuQlxxyOlBA1m9x4453gzYKxHSxcspDhlcvQoYapENqOJgrPtXnqiZ1ce8W/Qv88SEc45qVHkMsX8V3BVTdsZOzJBCrjqAs9Tj99GSNhJy3PeS6/2/rs6VeuWM7YRKUT0pWGmZCgMlzqPKhkDPk+OPoMGFiA1bgHlcZoMhVk+ath0bHw6K/RtpuFTTUFpvajv5YD694MS4+A7Xe1wq6CVOEsWAfDL4Hd2xF5F2QKuguqHxi9SuleXqGm0wCl94XCUSKZP7uHQ5aXsPIei/XsrCQlBbawOWL1HGolB8vvp6fgEidpax5lOtlc2Y2QlJRLeVZN0jDg0lOei+1mZe9YCY45dIgtaYDs72fRXIcwTbrS7zidoh98RvrNaYCaoo8TxL4oYQYnqFXHaQH1WsTK4Tkc8yIXSIjkMvZUMyzg2A7nnbwIx2qgGZocj4jDlA43u6KKCWOz5/RzzXmDCCSpPoI9tdhEhyQVnH/GEfiWRog+xpqSajVCCNotiqbo5+6f/vRJelvDFH096qh+ex/T+QBogYruKFCPU+qpbKMvlTHHSHRnLSRrAiU1QigwUaAbBeqOFNnVIGtKIVUn5x9tZOAFAGG1ahDdLdWwoxaCAiyBQLTNa6yZIiwAUGmWPitAiHYqMFM2uG/WJMwiiqQZIrTAch0sx0VLbXL4NIogO4QpfUsJsnUITZYUWdCWgi0ESb2RMceycXwPKZW5JgsbDcQB3ja6nk+p3GO0UcYRKk3QYIqpAses0y3h6UxAAiqL4RnvoFjIc9eP7+FbN/wQvDxLF5c4/+KziLUkiZt8ZMO1NGIXoupkDv5O5i9eQJTEWRhU3aEnF+zN57fx9xdcAbkSpUBy7TWXEsWJKWQsXrLUlMFmbp1S2MTIiLlEWTy57t+ffwVbtu2CsM55/3AGJ5z0WqphsyV+hVYz+gDQneoLZHl2Vg9YdgL0D1JNN4NKEGQlsEbfOph7GDyxiViCoJUIZSCoq9lCE6Uaho6FRWuo7vyN8exR2KReqRIPDpIcwMsNNpj3ABuNOhaSidxiWPtKGNlJXXnYolvceiYnaFAgLRDTYkCSxNhuDmYNQd8C3OYYKo2QqW3CndO3kHRgNTRjLKEMUuxkghkqxCA1w1wDZuhfCr2rsKIxBBipT1QmGKtUkKkEse8Fi9oPKrQti7GxMeM/kClezxywVoEq4vrSrNcRrG7va9p0uEtshsMxR62dz9FrA7RVRchhmnFqJOe4Ph99+xK0OwpyECFCkwxp2SmqdLygph7GLJg/iy9f2I+2LWx1FI7r4voBtVqVb37qctJm2HWbK4QglcocFvQ+lau1rziOQ488kkqY8pGzjiLGA7WMfE4xXm0ius8zfTqMmZQuDdBAakkcqwZKkwoLmWoAFCDsCCEbaGGRpq05OhvM6v3ojhSwKfc6IBRau8SJwvd9Fi1fxb0/+DdIYly/AAoskSVA4fgY+VKJXBAY8wSQaWLuBOYvX06x1EOSKPyiR9HSKGzixGpHK6bqk9qca3ofYDimuzltex75wAe0ST3rtWY2blsE+VymokKYcZUa6bdrgkIDnRK7kWShVDCSlVKSVGrGLObMmc28RUvoL/fSO3vAhDHLsQ32f2TTFuYtWUT/7NmkcZrdWYZN41Dnzh0i8H3DmHwhwHVcQFOvNw1u6BJ8JtxnToaMxLIXENvd8zwe2/YI1/zzN7jui99h42134LpOFmNlynduvJUvX30zN1z1bap77dG2jAmojJHmU7QQpuc45q2Pj2z4LB/e8M98/jPXgVJZ3d+2yeV8BgbnMDg0jzlDcyc/h5g1Z5B8sWBegJganzNvcnxoiKCQx3YcNBrfd/nWjd/lsg9+lg0fuILND24myActaE9Xej5tTbCjvln3XMH2J8d5cIvN/U/0c/cDI9iWNPX5NI646/4K/71jNr9+MGJ8vI5tiZbk9T4x2HVt9oyM818/3cl/bfLYeOd2kjgyDEDpTCPimGiyx3t7FJnviZSk2ffOeBgiZSvcCgvXhtt/9jA/e0Bw910TbH14B3nfPtCXpHS7sNnuMkbnSrD6jXD4KYjB1egkRqeZs2PRMbDuNDjkNcYPoFK0pq0BolUXQLSigePB8r+AF58Ki48BJZkyeNl6gbJZq9Go1yd7g7DZQCYxYbNJ3Yy1uzGHNhKUidkb606F1SdB0Gvm1nRB8plxgJmwA15ohCkrF/ajigH4EQPJIHGqSZU2UPXkY2cTFeqIeWUGem1TQRJKIjo5AFjZvHGSMNhf5uTXaVQRSquW4vouUmocB6MB0V4G1OsoU0K3aTZD0lQShSHh3kOnxgfsZYj5GwFoRZQqTnvVMNtTGx3N4rBhTT1MusUsZsQB2SZUJwoQhYq+/hxvmN8AqkQyz3gtBjLbfcUaD8fajsJhrOZld3Vao1vz6Mz7m8gRRgmFUo73nLQYS0tSvYyRSmh8ieV6SGkOag6nWr4hMgdNiKLIaIeUkg4DkjboaiaK41+xlMBWaPJMNFMajQidarSa4tMMyVBtfLy8+4knSKImaEMCott3IECIzvftmu5XYgA1Zcv1JvXxMRyteXjLQ+RLPRlGQHdrXOt/AkZHRmi6jnkZSqos10ji2NwyC8s2ap8xQGSv0U1MsHXTpux+ME33mdeybaIoZHT3bhr1KmK3sxdvlJ+RAZWRkXu3/PKeei4IpBCWBtAcYBOYQxqpK0nUaIJWhLf/G7btobqQWHe5a8ejjyAA13bal6daptTrNUb3jJiLWbQERAaho5g7b/s+NhZyP/PawjJ7mNizmziKxdhTO+04CTfTafzpn6f5425/YsD/ABtu93XHGByzAAAAAElFTkSuQmCC" title="emoji-bank" />upi" }
    ],
    "assets": [ "eip155:137/erc20:0x2791...4174" ],
    "defaults": { "preferred": "method:evm", "variant": { "chain": "eip155:137" } },
    "reusable_supported": true,
    "subscriptions_supported": true
  }
}

compliance-request (optional)

Message Type URI: https://didcomm.org/payments/1.0/compliance-request

{
  "type": "https://didcomm.org/payments/1.0/compliance-request",
  "id": "crq-01...",
  "thid": "hs-77c...",
  "body": {
    "vc_presentation_definition": {},
    "ivms101_required": false
  }
}

compliance-response

Message Type URI: https://didcomm.org/payments/1.0/compliance-response

{
  "type": "https://didcomm.org/payments/1.0/compliance-response",
  "id": "crs-01...",
  "thid": "hs-77c...",
  "body": {
    "presentations~attach": [
      { "media_type": "application/vc+ld+json", "data": { "base64": "<verifiable presentation>" } }
    ],
    "ivms101": {}
  }
}

handshake-request (single secure reveal)

Message Type URI: https://didcomm.org/payments/1.0/handshake-request

{
  "type": "https://didcomm.org/payments/1.0/handshake-request",
  "id": "hs-77c...",
  "thid": "hs-77c...",
  "pthid": "parent-protocol-id-if-any",
  "to": ["did:peer:payer"],
  "from": "did:peer:payee",
  "body": {
    "session": { "id": "ps_4a2c...", "ttl": "2025-12-31T23:59:59Z", "nonce": "n-0f..." },
    "mandate_id": "man_8f3a...",
    "cycle_id": "2025-10",
    "ext": {},
    "terms": {
      "request_id": "req_7f9a...",
      "asset": { "caip19": "eip155:137/erc20:0x2791...4174", "decimals": 6 },
      "quantity": "120000000",
      "display": { "currency": "USDC", "value": "120.00" },
      "invoice": {
        "invoice_number": "INV-2025-091",
        "issue_date": "2025-08-31",
        "due_date": "2025-09-07",
        "line_items": [{ "desc": "Pro subscription (Sept)", "qty": "1", "unit_price": "120.00", "hsn_sac": "9983" }],
        "discounts": []
      },
      "tax": {
        "jurisdiction": "",
        "scheme": "GST",
        "place_of_supply": "",
        "registration": { "payee": "", "payer": null },
        "lines": [{ "code": "GST-IGST", "rate": "18.00", "basis": "120.00", "amount": "21.60" }],
        "reverse_charge": false,
        "exempt_reason": null
      },
      "network": { "chain": "eip155:137", "confirmations_required": 20 },
      "fees": { "payer": "payer" },
      "partial_allowed": false,
      "tolerance": { "under": "0.00", "over": "0.00" }
    },
    "payee_coords": {
      "method": "method:evm",
      "evm": {
        "address": "0xABCD...",
        "chain": "eip155:137",
        "wallet_type": "EOA",
        "proof": { "type": "EIP-712", "challenge": "did:peer:payee|ps_4a2c...|2025-08-31T14:00Z", "signature": "0x..." }
      }
    },
    "method_ref": "pm_abc123",
    "compliance": {
      "policy_uri": "https://example.com/policy/aml-tax-v1",
      "vc_requirements": [{ "purpose": "legal-entity", "accepted_schemas": ["vlei:legal-entity", "org-reg:tax-id"] }],
      "ivms101": { "required": false }
    },
    "integrity": { "terms_sha256": "base64url(JCS(SHA-256(terms)))" }
  }
}

handshake-accept

Message Type URI: https://didcomm.org/payments/1.0/handshake-accept

{
  "type": "https://didcomm.org/payments/1.0/handshake-accept",
  "id": "ha-5d0...",
  "thid": "hs-77c...",
  "to": ["did:peer:payee"],
  "from": "did:peer:payer",
  "body": {
    "session": { "id": "ps_4a2c..." },
    "selected": { "method": "method:evm", "variant": { "chain": "eip155:137" } }
  }
}

receipt

Message Type URI: https://didcomm.org/payments/1.0/receipt

{
  "type": "https://didcomm.org/payments/1.0/receipt",
  "id": "rcpt-2a77...",
  "thid": "hs-77c...",
  "to": ["did:peer:payee"],
  "from": "did:peer:payer",
  "body": {
    "session_id": "ps_4a2c...",
    "request_id": "req_7f9a...",
    "mandate_id": "man_8f3a...",
    "cycle_id": "2025-10",
    "ext": {},
    "proofs": [
      {
        "network": { "chain": "eip155:137" },
        "tx_ref": "0xTRANSACTION_HASH",
        "summary_hash": "same-as-terms_sha256",
        "payer_hint": { "evm_from": "0x12..34", "masked_bank": "****1234" },
        "payer_proof": { "type": "EIP-191", "challenge": "did:peer:payer|ps_4a2c...|rcpt-2a77...", "signature": "0x..." }
      }
    ]
  }
}

Idempotency: A receipt is unique per {session_id, tx_ref}; duplicates MUST be accepted as no-ops.

confirm

Message Type URI: https://didcomm.org/payments/1.0/confirm

{
  "type": "https://didcomm.org/payments/1.0/confirm",
  "id": "ack-88de...",
  "thid": "hs-77c...",
  "to": ["did:peer:payer"],
  "from": "did:peer:payee",
  "body": {
    "session_id": "ps_4a2c...",
    "status": "received|pending|settled|failed",
    "reason": null,
    "mandate_id": "man_8f3a...",
    "cycle_id": "2025-10",
    "ext": {}
  }
}

cancel

Message Type URI: https://didcomm.org/payments/1.0/cancel

{
  "type": "https://didcomm.org/payments/1.0/cancel",
  "id": "cn-01...",
  "thid": "hs-77c...",
  "body": { "session_id": "ps_4a2c...", "reason": "user-cancelled" }
}

method-update and method-revoke

Message Type URIs: https://didcomm.org/payments/1.0/method-update, https://didcomm.org/payments/1.0/method-revoke

{
  "type": "https://didcomm.org/payments/1.0/method-update",
  "id": "mu-01...",
  "to": ["did:peer:counterparty"],
  "from": "did:peer:owner",
  "body": {
    "method_id": "pm_abc123",
    "code": "method<img class="emoji-icon" alt="emoji-bank" data-icon="emoji-bank" style="" src="data:image/png;base64, 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" title="emoji-bank" />iban",
    "variant": { "region": "EU" },
    "payee_coords": { "bank": { "scheme": "iban", "iban": "DE89...", "bic": "COBADE...", "name": "Acme", "proof": {} } },
    "reason": "rotation"
  }
}

{
  "type": "https://didcomm.org/payments/1.0/method-revoke",
  "id": "mr-01...",
  "to": ["did:peer:counterparty"],
  "from": "did:peer:owner",
  "body": { "method_id": "pm_abc123", "reason": "account-closed" }
}

Quotes & refunds

  • quote — payee issues a firm quote with quote_id, expires_at; payer MUST echo quote_id in receipt.
  • refund-request / refund-receipt — mirror receipt semantics, referencing original session_id.

L10n

Localization applies to human-readable fields (e.g., invoice memo, error comment). Protocol validation uses canonical, language-agnostic fields.

Validation Rules (normative)

  • Replay/anti-phishing: Proofs MUST bind to {did, session.id, timestamp/nonce}; enforce reasonable clock skew.
  • Tax math: Receiver MUST recompute tax from terms.invoice & terms.tax and verify summary_hash.
  • Payer binding: If the rail reveals payer (e.g., EVM from), payer_proof is OPTIONAL; otherwise include payer_proof or rely on bank API identity.
  • Amounts: Validate using asset.caip19 + quantity only (never the UI display field).
  • Confirmations: Respect network.confirmations_required when deciding settled vs received/pending.
  • Compliance gating: If vc_requirements/ivms101 present, no handshake-accept until a valid compliance-response is processed.
  • Method reference integrity: If method_ref is present, the receiver MUST resolve it to a verified PaymentMethodRecord for the same connectionId; otherwise reject with method-ref-invalid.
  • Correlation transparency: mandate_id/cycle_id MUST NOT alter financial validation; they only aid correlation/UX.

Errors (Problem-Report codes)

Use standard DIDComm problem-report with these codes:

  • unsupported-method, invalid-proof, request-expired, session-closed
  • amount-mismatch, asset-unsupported, summary-hash-mismatch
  • tx-not-found, tx-underpaid, tx-overpaid, confirmations-insufficient
  • bank-ref-mismatch, duplicate-receipt
  • compliance-required, vc-invalid, ivms101-missing
  • method-ref-invalid, mandate-required, cycle-over-cap, retry-exhausted

Storage & Reuse (connection-scoped)

Suggested Records

  • PaymentMethodRecord: id, connectionId, code, variant, display, verified(bool), default(bool), status('unverified'|'verified'|'revoked'|'expired'), version, payload(ENCRYPTED JSON), proof, tags
  • PaymentSessionRecord: sessionId, connectionId, requestId, state('requested'|'accepted'|'receipted'|'confirmed'|'failed'), selectedMethodId, termsSha256, nonce, quoteId?, confirmationsRequired?, expiresAt, vcVerified(bool), ivmsVerified(bool), stateReason?
  • TaxProfileRecord (per connection): connectionId, jurisdictions[], defaultScheme, registrations{payee,payer}, lastValidatedAt
  • CompliancePolicyRecord: policyUri, vcRequirements[], ivmsRequired(bool), updatedAt

Reuse

  • Keep multiple PaymentMethodRecords per connection; mark default=true.
  • If a default exists, Payee MAY skip query-methods and send handshake-request directly.
  • Payer may override in handshake-accept; Payee may reject via problem-report.
  • When a default exists, the payee MAY use method_ref in handshake-request to avoid resending coordinates. The receiver MUST still enforce verification on the referenced record.

Mandates & Recurring Payments (Optional Profile)

This profile specifies reusable payment authorizations (“mandates”) and recurring charges. Messages use the https://didcomm.org/payments/1.0/* prefix and compose with the base flow by referencing stored methods via method_ref, correlating with mandate_id/cycle_id, and invoking the standard handshake-request → receipt → confirm for each charge.

Discoverability (profile)

Advertise via Discover-Features: subscriptions:autopay, subscriptions:notify, subscriptions:updates, subscriptions:retry.

Mandate lifecycle messages

mandate-offer (Payee → Payer): Proposes subscription plan + constraints.

{
  "type": "https://didcomm.org/payments/1.0/mandate-offer",
  "id": "mof-01...",
  "to": ["did:peer:payer"],
  "from": "did:peer:payee",
  "body": {
    "plan": { "name": "Pro Plan", "billing_period": "P1M", "anchor_day": 1, "start_at": "2025-09-15T00:00:00Z", "trial_until": null, "grace_period": "P7D", "retry_policy": { "attempts": 3, "interval": "P2D" } },
    "terms": { "asset": { "caip19":"eip155:137/erc20:0x2791...4174", "decimals": 6 }, "price_quantity": "120000000", "display": { "currency":"USDC", "value":"120.00" }, "tax_policy": "GST", "tax_hints": { "jurisdiction":"CA", "place_of_supply":"CA-ON" }, "variable_pricing": false },
    "constraints": { "cap_per_charge_quantity": "150000000", "cap_per_period_quantity": "600000000", "cap_total_quantity": null, "expires_at": "2027-09-15T00:00:00Z" },
    "methods_allowed": [ {"code":"method:evm","variant":{"chain":"eip155:137"}}, {"code":"method<img class="emoji-icon" alt="emoji-bank" data-icon="emoji-bank" style="" src="data:image/png;base64, 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" title="emoji-bank" />iban"} ],
    "autopay_requested": true,
    "notify_days_before": 3,
    "compliance_requirements": { "vc_requirements":[{"purpose":"legal-entity","accepted_schemas":["vlei:legal-entity"]}], "ivms101": { "required": false } },
    "mandate_terms_sha256": "base64url(JCS(SHA-256(offer.body)))"
  }
}

mandate-accept (Payer → Payee): Chooses stored method by reference and consents.

{
  "type": "https://didcomm.org/payments/1.0/mandate-accept",
  "id": "mac-01...",
  "thid": "mof-01...",
  "to": ["did:peer:payee"],
  "from": "did:peer:payer",
  "body": {
    "mandate_id": "man_8f3a...",
    "method_ref": "pm_abc123",
    "autopay": true,
    "limits": { "cap_per_charge_quantity": "150000000" },
    "mandate_terms_sha256": "base64url(JCS(SHA-256(offer.body)))",
    "consent_proof": { "type": "did-jws", "signature": "eyJhbGciOiJFZERTQSIs..." }
  }
}

mandate-activate (Payee → Payer): Confirms activation and sets the first due date.

{ "type": "https://didcomm.org/payments/1.0/mandate-activate", "id": "mact-01...", "thid": "mof-01...", "body": { "mandate_id":"man_8f3a...", "status":"active", "next_due_at":"2025-10-15T00:00:00Z" } }

mandate-update / mandate-cancel (either direction): Propose changes or stop future cycles.

{ "type": "https://didcomm.org/payments/1.0/mandate-update", "id": "mup-01...", "thid": "mof-01...", "body": { "mandate_id":"man_8f3a...", "changes": { "plan": { "billing_period":"P1Y" } } } }

{ "type": "https://didcomm.org/payments/1.0/mandate-cancel", "id": "mcn-01...", "thid": "mof-01...", "body": { "mandate_id":"man_8f3a...", "when":"immediate|period_end", "reason":"user-request" } }

subscription-status (either direction): Synchronizes mandate status for UI/ops.

{
  "type":"https://didcomm.org/payments/1.0/subscription-status",
  "id":"sst-01...",
  "thid":"mof-01...",
  "body":{ "mandate_id":"man_8f3a...", "status":"active|past_due|canceled|paused", "next_due_at":"2025-10-15T00:00:00Z", "last_paid_at":"2025-09-15T00:00:00Z", "past_due": false, "outstanding_cycles": 0 }
}

Charge messages

Two modes reuse the base handshake flow.

charge-notice (Payee → Payer): Nudge before due date.

{
  "type": "https://didcomm.org/payments/1.0/charge-notice",
  "id": "chn-01...",
  "thid":"mof-01...",
  "body": { "mandate_id":"man_8f3a...", "cycle_id":"2025-10", "due_at":"2025-10-15T00:00:00Z", "preview": { "display": {"currency":"USDC","value":"120.00"}, "tax_estimate": {"amount":"21.60"} } }
}

charge-request (Payee → Payer): Compact wrapper that results in a base handshake-request.

{
  "type": "https://didcomm.org/payments/1.0/charge-request",
  "id": "chr-01...",
  "thid":"mof-01...",
  "body": {
    "mandate_id":"man_8f3a...",
    "cycle_id":"2025-10",
    "method_ref":"pm_abc123",
    "terms": {
      "asset": { "caip19":"eip155:137/erc20:0x2791...4174","decimals":6 },
      "quantity":"120000000",
      "display": {"currency":"USDC","value":"120.00"},
      "invoice": { "invoice_number":"INV-2025-10-0001", "line_items":[{"desc":"Pro Plan Oct","qty":"1","unit_price":"120.00"}] },
      "tax": { "jurisdiction":"IN", "scheme":"GST", "lines":[{"code":"GST-IGST","rate":"18.00","basis":"120.00","amount":"21.60"}] },
      "network": { "chain":"eip155:137", "confirmations_required":20 }
    },
    "integrity": { "terms_sha256":"..." }
  }
}

Profile Validation and Errors

  • Consent digest integrity: mandate-accept.body.mandate_terms_sha256 MUST match the offer digest (JCS+SHA-256). consent_proof MUST bind {did, mandate_id (or thid), timestamp}.
  • Per-cycle integrity: Every cycle terms MUST produce a terms_sha256 that equals the receipt.summary_hash.
  • Caps: Reject a cycle if it exceeds cap_per_charge_quantity, cap_per_period_quantity, or cap_total_quantity.
  • Compliance freshness: If compliance VCs/IVMS are expired or missing, a fresh compliance-request MUST precede the next charge.
  • Errors (adds to base): mandate-invalid, mandate-consent-required, mandate-canceled, mandate-expired, cycle-over-cap, cycle-past-due, retry-exhausted, autopay-disabled, notify-required, method-ref-invalid.

Implementations

Name / Link Implementation Notes

Endnotes

Future Considerations

  • Refund and chargeback patterns
  • Multi-party or split payments
  • Escrowed settlement and dispute mediation
PIURI
https://didcomm.org/payments/1.0
Status
Demonstrated
Hashtags
# payments# commerce
Publisher
@vinaysingh8866
Authors
Vinay Singh
Version
1.0
License
MIT
Last modified
2026 Jul 22, 15:07 PM