Towards a web payment framework: State-of-the-art and challenges

•This paper analyses the functionality a Web payment framework should provide.•It presents the works and projects that can be used to build this framework.•It introduces some current initiatives such as FIBO or the Web Payments Initiative.•The different issues to cover regarding Web payment frameworks are analysed.•The analysis of current state and issues is made following a layered approach.

In the Internet era, through the web, and access to content, products and services has evolved in a spectacular way. At the same time, different business models have been developed for access and consumption. Many of these business models are based on making a payment via the web. The use of electronic payments in the web is a complex issue since it involves the support of multiple payment instruments, the secure exchange of payment information, receipts, and so on. A proposed solution approach to web payments is the development of a web payment framework based on a layered approach. This article analyzes the functionality this framework should provide, what solutions may be used, and what issues still need to be addressed so that a web payment framework can make e-payments more widespread.