pagoPA platform : Italian Government imposes mandatory adoption by January 2019 with new features enhancing the customer experience
Starting from January 2019, every payment towards central and local public administration entities is due to go through the national pagoPA infrastructure. Moreover, new technical specifications will help savings and drive revenues … using the right technology.
AgID (Agenzia per l'Italia Digitale) and the Digital Transformation Task Force have accelerated on pagoPA, setting a deadline for the mandatory adoption by all public administrations and all payment service providers, also in view of the revised payment service directive PSD2.
The aim is to speed up the volumes, and thus the savings, processed by the pagoPA platform, originally launched in 2013 but only minimally used until 2016, when it was redesigned to better meet citizen’s needs. As of February 2018, according to AgID’ statistics, 77.5% of the Italian municipalities are officially participating in the platform, however only 50% have activated one or more services, for a total of 3,000 effectively active municipalities.
In addition to enforcing the adoption, AgID and the Team for Digital Transformation have worked on introducing new technical features (pagoPA v.2.1 implementation specs) that enable improved processes and functionalities, including digital alerting, "spontaneous" payments through banking channels and pagoPA payments via physical POS.
Many are the benefits accomplished by pagoPA: cost transparency, user experience standardization throughout the country, multi-channel support, secure and faster collections by the participating Public entities, thanks to a payment and reconciliation process that is fully automated and paperless.
Out of over 25,000 existing public administrations, 16.000 are already pagoPA members, but only 12,000 are actively using it. Hence there is great opportunity for banks and any new PSP players interested in growing their market share by filling in the gap!
pagoPA’s newly introduced features
Some of the processes covered by pagoPA Version 2.1 specifications, technically pretty complex but extremely interesting for the end-users, have been the focus of recent developments by TAS Group in its PayTAS service platform, which boasts the widest customer portfolio in the current pagoPA community. Let’s shed some light on the work done.
Payments to Public Administration beneficiaries via physical POS.
So far, pagoPA payments via debit/credit cards are possible only online, through the integration of a virtual POS at payment gateways’ websites. Thanks to an innovative solution developed by TAS Group, every physical POS located, for example, in Public Administration offices or in hospitals and Post Offices, can now become 100% integrated within the pagoPA payment and reporting process, ending up in a fully automatically reconciled transaction, compliant with version 2.1 specs.
Another helpful extension of the system is that of spontaneous payments, i.e. payments that do not have pre-defined due-deadlines nor amounts. Examples are: top-up of electronic wallets that give access to a series of services of the Municipality (school canteen services, museum visits, transport tickets, …), but also payments of overdue fines, such as car fines, which - once expired - can be executed at any time with an interest expense accrued on the fine itself. Based on a previous experience with Tuscany’s Region, whose central platform was developed by TAS Group, the pagoPA spontaneous payments are immediately available on PayTAS.
Also the Wisp 2.0 feature, introduced by the Digital Task Force in pagoPA vers. 2.1, is already among PayTAS features, aimed at simplifying the payment "check out" phase by letting the user choose his preferred and most convenient payment option, to be used automatically on subsequent transactions.
Finally, in the case of the newly introduced Digital alerting service, the innovation consists in helping the citizen to be punctual in payments, by notifying him payments amounts and expiration dates in advance. The citizen must of course give preliminary authorization for these communications. Once activated, digital alerts will be sent as "push" messages to the destination address. Starting from these new vers.2.1 communication specs, TAS Group has developed solutions in which the payment experience becomes immediate and intuitive, especially on the mobile channel.
Technology that makes the difference
Focus on the end-customer plus the right attention to maximizing PA’s efficiency, have always been inspiring the development and evolution of Financial Value Chain solutions at TAS Group. Over the years our Company has gained a track record of excellent project experiences with key Italian public administrations (among which Tuscany Region, Lazio Region, InfoCamere) and with incumbent as well as new entrants PSPs that are central to the PA payment and collection process (i.e Banca Popolare di Sondrio, Monte dei Paschi di Siena, BancoPosta, PayTipper).
Thanks to our expertise, nourished by tight relationships with the most innovative market stakeholders, our PayTAS Suite for pagoPA has continuously been upgraded and extended to become the most mature solution available domestically. Our proposition supports PAs and PSPs to align with the ever-changing technical and regulatory specifications, while increasingly benefiting from integrations with complementary solution layers such as B2C2B electronic billing, SIOPE +, PSD2 and Instant payments.
The pagoPA system was designed to break the direct bilateral relationships existing between Public Administration Entities and their Treasury Banks, opening up the market for better service levels induced by greater competition. Technology and expertise are key to differentiate the offering and beat time-based competition, and this is what TAS Group is ready to offer to its ever-increasing customer community.