Payment Account Credential (TS12) - credential schema

When to use

Use this skill when you issue or verify a Payment Account Credential (TS12). The credential states the payment account of the holder. It is one of the three SCA payment credentials in the registry, together with the payment card credential and the payment user credential.

The metadata sets isScaCredential to true. The schema supports one format: SD-JWT VC (dc+sd-jwt).

The registry keeps this schema under credentialSchemas/claimPathPointer/scaPaymentAccount. Version 2025.7.1 is the latest version directory, and this skill uses it. The registry publishes the schema in one format: dc+sd-jwt.

What the claims describe

The registry defines three claims. All three are mandatory, and all three set limitDisclosure to true, so the holder can disclose each one on its own.