What feature of the NPP allows for enriched data transfer with payments?

The feature that enables enriched data transfer with payments in the New Payments Platform (NPP) is enhanced data capabilities. This attribute allows for the inclusion of additional information alongside the payment transaction itself, such as invoice details, payment references, and other relevant contextual data. The ability to transmit this enriched data enhances transparency and provides more comprehensive information both for the payer and the payee, facilitating better reconciliation and improving the overall user experience.

While real-time processing is important for the immediacy of transactions, it does not specifically address the capability to transfer enriched data. Mandatory customer information pertains to compliance and regulatory requirements, but again does not emphasize the enhanced data transfer aspect. Direct database linking might suggest an integration method for data, but it does not capture the essence of the NPP’s focus on delivering additional context through enriched data with payments. Thus, the enhanced data capabilities reflect the NPP’s innovative approach to supporting more informative transactions between parties.