Payment User Credential (TS12) - credential schema

When to use

Use this skill when you issue or verify a Payment User Credential (TS12). The credential identifies the payment service user. It is one of the three SCA payment credentials in the registry, together with the payment account credential and the payment card 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/scaPaymentUser. 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 document holds an empty claims array. The registry fixes no claim path pointer for this credential.