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Overlay OBeP Scheme: Similar to the Multi-Bank or Mono-Bank scheme, however, there is a third party (the overlay provider) who sits between the payment network and the consumer. The overlay provider requires the consumer to share their online banking credentials with them in order to have access to the consumer’s bank account and to initiate the credit transfer to the merchant. (e.g. SOFORT banking, or SOFORT Überweisung)


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