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availableBanking and financial authorization

Does authentication also move or settle a payment?

Last reviewed 5 Sept 2026 · Review due 5 Mar 2027

Short answer

No. Authentication and authorization of a payment instruction are distinct from clearing and settlement. Keyra-related payment authentication—including any KPAN flows—addresses confidence in who approved a transaction request. Movement of funds remains with issuers, schemes and payment processors under their rails.

Evidence

  • Standards education — authentication vs authorization

    standards education · effective 2026-09-05 · retrieved 2026-09-05

    Public reference

  • Editorial architecture framing — Vault Certified and Connected

    company declaration · effective 2026-09-05 · retrieved 2026-09-05

Related questions

Does authentication also move or settle a payment? · Keyra FAQ