Samples

Samples of Bacs Direct Debit related flows and messages for typical use cases

Mandate Initiation Request and Response

Use case 1: Receive the Mandate

Typical flow

Step	Action	Description
1.	LHV receives new mandate	A new mandates is received by LHV from the scheme on day 2 of Bacs cycle. LHV will validate duplicates, account, agreement.
2.	Mandate initiation request (pain.009) is sent to the client	LHV creates mandate initiation request (pain.009) and sends it to the customer. In one file there is information about one Mandate.
3.	Client accepts the mandate by sending Mandate Initiation Response to LHV (pain.012)	A mandate acceptance is received by LHV from the customer with pain.012. Acceptance should be send by the end of the day 3 of the Bacs cycle.
4.	Validate the response	LHV will validate mandate, duplicates, account, initiation request, acceptance data. Validation response is send to customer by LHV.
5.	Activate the mandate	On day 3 of the Bacs cycle, all mandates will be activated. See cut-offs.

Use case 2: Reject the Mandate

Typical flow

Step	Action	Description
1.	LHV receives new mandate	A new mandates is received by LHV from the scheme on day 2 of Bacs cycle. LHV will validate duplicates, account, agreement.
2.	Mandate initiation request (pain.009) is sent to the client	LHV creates mandate initiation request (pain.009) and sends it to the customer. In one file there is information about one Mandate.
3.	Client Rejects the mandate by sending Mandate Initiation Response to LHV (pain.012)	A mandate rejection is received by LHV from the customer with pain.012. Rejection should be sent by the end of the day 3 of the Bacs cycle.
4.	Validate the response	LHV will validate mandate, duplicates, account, initiation request, rejection data. Validation response is sent to customer by LHV.
5.	Create mandate return resource	Mandate return resource is created by the LHV and send to the Bacs via AUDDIS. Return is received by the scheme and mandate will not be activated. Mandate return can be send until the end of the day 3 of the Bacs cycle. See cut-offs.

Example of Mandate Initiation Request and Response (Acceptance and Rejection)

Example of Mandate Initiation Request

<?xml version='1.0' encoding='UTF-8'?>
<Document xmlns="urn:iso:std:iso:20022:tech:xsd:pain.009.001.07">
  <MndtInitnReq>
    <GrpHdr>
      <MsgId>43642128e20c435387444d9c806b4f65</MsgId>
      <CreDtTm>2024-06-19T12:03:01.249+01:00</CreDtTm>
    </GrpHdr>
    <Mndt>
      <MndtId>9665c298f1cc4f9294598a4fc97ac060</MndtId>
      <MndtReqId>TEST-112</MndtReqId>
      <TrckgInd>false</TrckgInd>
      <Cdtr>
        <Nm>ACCOUNT NAME</Nm>
        <Id>
          <OrgId>
            <Othr>
              <Id>539614</Id>
              <SchmeNm>
                <Cd>BANK</Cd>
              </SchmeNm>
            </Othr>
          </OrgId>
        </Id>
      </Cdtr>
      <CdtrAcct>
        <Id>
          <Othr>
            <Id>20201555555555</Id>
            <SchmeNm>
              <Cd>BBAN</Cd>
            </SchmeNm>
          </Othr>
        </Id>
        <Ccy>GBP</Ccy>
      </CdtrAcct>
      <Dbtr>
        <Nm>TESTING COMPANY</Nm>
        <Id>
          <OrgId>
            <Othr>
              <Id>539614</Id>
              <SchmeNm>
                <Cd>BANK</Cd>
              </SchmeNm>
            </Othr>
          </OrgId>
        </Id>
      </Dbtr>
      <DbtrAcct>
        <Id>
          <Othr>
            <Id>04031300000287</Id>
            <SchmeNm>
              <Cd>BBAN</Cd>
            </SchmeNm>
          </Othr>
        </Id>
        <Ccy>GBP</Ccy>
      </DbtrAcct>
      <DbtrAgt>
        <FinInstnId>
          <ClrSysMmbId>
            <ClrSysId>
              <Cd>GBDSC</Cd>
            </ClrSysId>
            <MmbId>040313</MmbId>
          </ClrSysMmbId>
        </FinInstnId>
      </DbtrAgt>
    </Mndt>
  </MndtInitnReq>
</Document>

Example of Mandate Initiation Response (Acceptance and Rejection)

Acceptance with pain.012

<?xml version="1.0" encoding="utf-8"?>
<Document xmlns="urn:iso:std:iso:20022:tech:xsd:pain.012.001.07">
  <MndtAccptncRpt>
    <GrpHdr>
      <MsgId>TEST-111</MsgId>
      <CreDtTm>2024-04-17T13:57:01.326</CreDtTm>
    </GrpHdr>
    <UndrlygAccptncDtls>
      <OrgnlMsgInf>
        <MsgId>43642128e20c435387444d9c806b4f65</MsgId>
        <CreDtTm>2024-04-17T13:57:01.326</CreDtTm>
      </OrgnlMsgInf>
      <AccptncRslt>
        <Accptd>0</Accptd>
      </AccptncRslt>
      <OrgnlMndt>
        <OrgnlMndtId>9665c298f1cc4f9294598a4fc97ac060</OrgnlMndtId>
      </OrgnlMndt>
    </UndrlygAccptncDtls>
  </MndtAccptncRpt>
</Document>

Rejection with pain.012

<?xml version="1.0" encoding="utf-8"?>
<Document xmlns="urn:iso:std:iso:20022:tech:xsd:pain.012.001.07">
  <MndtAccptncRpt>
    <GrpHdr>
      <MsgId>TEST-112</MsgId>
      <CreDtTm>2024-04-17T13:57:01.326</CreDtTm>
    </GrpHdr>
    <UndrlygAccptncDtls>
      <OrgnlMsgInf>
        <MsgId>43642128e20c435387444d9c806b4f65</MsgId>
        <CreDtTm>2024-04-17T13:57:01.326</CreDtTm>
      </OrgnlMsgInf>
      <AccptncRslt>
        <Accptd>1</Accptd>
        <RjctRsn>
          <Cd>AC01</Cd>
        </RjctRsn>
      </AccptncRslt>
      <OrgnlMndt>
        <OrgnlMndtId>9665c298f1cc4f9294598a4fc97ac060</OrgnlMndtId>
      </OrgnlMndt>
    </UndrlygAccptncDtls>
  </MndtAccptncRpt>
</Document>

Example of the Response to invalid pain.012

{
  "GrpHdr.MsgId": "pain012_message_id",
  "AcceptanceStatus": "PARTIAL",
  "Messages": [
    {
      "OrgnlMsgInf.MsgId": "message_id_pain009",
      "Confirmed": true
    },
    {
      "OrgnlMsgInf.MsgId": "invalid_message_id",
      "Confirmed": false,
      "ErrorInfo": {
        "ErrorCode": "NOT_FOUND",
        "ErrorDescription": "Mandate not found"
      }
    }
  ]
}

Error codes

Error Code	Error Description
MANDATE_NOT_FOUND	Mandate not found
MANDATE_INVALID_STATUS	Mandate is expected to be in status PENDING, but is in status ...
DUPLICATE_MESSAGE_ID	Duplicate message in file
MANDATE_FILE_NOT_FOUND	pain.009 message file not found
NO_RIGHTS_TO_DEBTOR_ACCOUNT	User have no rights to debtor account.
INVALID_ACCEPTANCE_DATA	Invalid acceptance data

Mandate Cancellation Request

Use case 3: Cancel the mandate

Typical flow

Step	Action	Description
	Existing mandate	Client and LHV have previously received mandate in status ‘active’
	Insert cancellation request (pain.011)	A mandate cancellation is received by LHV from the customer with pain.011.
	Validate cancellation request	Request is validated by the LHV. LHV is validating mandate, mandate initiation request, duplicates, data in pain.011, account. Validation response is send to customer by LHV with pain.012.
	Create mandate cancellation resource	Mandate cancellation resource is created by the LHV and send to the Bacs via ADDACS.

Example of Mandate Cancellation Request

<?xml version="1.0" encoding="UTF-8"?>
<Document xmlns="urn:iso:std:iso:20022:tech:xsd:pain.011.001.07">
    <MndtCxlReq>
        <GrpHdr>
            <MsgId>iso-msg-id</MsgId>
            <CreDtTm>2024-02-28T09:30:47</CreDtTm>
            <Authstn>
                <Cd>AUTH</Cd>
            </Authstn>
            <InitgPty>
                <Nm>Company ABC</Nm>
            </InitgPty>
        </GrpHdr>
        <UndrlygCxlDtls>
            <OrgnlMsgInf>
                <MsgId>79fa86cf9e844a62879ef7c713baac5f</MsgId>
                <MsgNmId>pain.009.001.05</MsgNmId>
                <CreDtTm>2024-02-27T09:30:00</CreDtTm>
            </OrgnlMsgInf>
            <CxlRsn>
                <Rsn>
                    <Cd>AC04</Cd>
                </Rsn>
            </CxlRsn>
            <OrgnlMndt>
                <OrgnlMndtId>312d60e61acf47d28083ac2e3729d6fc</OrgnlMndtId>
            </OrgnlMndt>
        </UndrlygCxlDtls>
    </MndtCxlReq>
</Document>

Example of Mandate Cancellation Response

Acceptance with pain.012

<?xml version='1.0' encoding='UTF-8'?>
<Document xmlns="urn:iso:std:iso:20022:tech:xsd:pain.012.001.07">
    <MndtAccptncRpt>
        <GrpHdr>
            <MsgId>49fa9d40c0fb43b5901df7fe15dbb502</MsgId>
            <CreDtTm>2024-05-24T11:14:01.793+01:00</CreDtTm>
        </GrpHdr>
        <UndrlygAccptncDtls>
            <OrgnlMsgInf>
                <MsgId>iso-msg-id</MsgId>
                <MsgNmId>pain.011</MsgNmId>
            </OrgnlMsgInf>
            <AccptncRslt>
                <Accptd>true</Accptd>
            </AccptncRslt>
            <OrgnlMndt>
                <OrgnlMndtId>3ac2dec8369b4849a105f41a73e369f3</OrgnlMndtId>
            </OrgnlMndt>
        </UndrlygAccptncDtls>
    </MndtAccptncRpt>
</Document>

Rejection with pain.012

<?xml version='1.0' encoding='UTF-8'?>
<Document xmlns="urn:iso:std:iso:20022:tech:xsd:pain.012.001.07">
    <MndtAccptncRpt>
        <GrpHdr>
            <MsgId>300745cd294c4673be20ffd9cd70e573</MsgId>
            <CreDtTm>2024-05-27T08:32:43.507+01:00</CreDtTm>
        </GrpHdr>
        <UndrlygAccptncDtls>
            <OrgnlMsgInf>
                <MsgId>iso-msg-id</MsgId>
                <MsgNmId>pain.011</MsgNmId>
            </OrgnlMsgInf>
            <AccptncRslt>
                <Accptd>false</Accptd>
                <RjctRsn>
                    <Cd>NARR</Cd>
                </RjctRsn>
                <AddtlRjctRsnInf>Mandate cancel failed.</AddtlRjctRsnInf>
            </AccptncRslt>
            <OrgnlMndt>
                <OrgnlMndtId>3ac2dec8369b4849a105f41a73e369f3</OrgnlMndtId>
            </OrgnlMndt>
        </UndrlygAccptncDtls>
    </MndtAccptncRpt>
</Document>

Error codes

Validation	Reject Reason Code in pain.012	Reject Reason Proprietary in pain.012	Additional Information in pain.012
Mandate is found.	MD01	NO_MANDATE	No Mandate
Mandate request file is found.	MD01	NO_MANDATE	No Mandate
Mandate exists in status ‘pending’ or ‘active’.	MD20	MANDATE_NOT_ACTIVE	Mandate is not active.
Duplicate mandate ID in the pain.011 request	AM05	DUPLICATE_MESSAGE_ID	Duplicate message in file
Process cancellation	NARR	MANDATE_CANCEL_FAILED	Mandate cancel failed
Process the data from pain.011	NARR	MANDATE_CANCEL_INVALID_DATA	Mandate cancel request contains invalid data
Check if all accounts belong to the user who initiated the message.	NARR	NO_RIGHTS_TO_DEBTOR_ACCOUNT	User has no rights to debtor account.

Direct Debit Notification and Response

Use case 4: Receive the Direct Debit notification

Typical flow

Step	Action	Description
1.	Receive and validate Direct Debit	On day 2 of the Bacs cycle LHV receives Direct Debit Collection message
2.	Send DD collection message to client	A DD collections message will be sent to the LHV Customer with pain.008.
3.	Receive Acceptance of the Collection message	PSP customer accepts that collection with pain.002. If no response received from the customer then it will be processed as accepted. See cut-offs.
4.	Validate the response	LHV will validate collection, duplicates, account, initiation request, acceptance data. Validation response is sent to customer by LHV.
5.	Debit customer account	On day 3 of the Bacs cycle LHV will debit customers account. See cut-offs.

Use case 5: Reject the Direct Debit Collection

Typical flow

Step	Action	Description
1.	Receive and validate Direct Debit	On day 2 of the Bacs cycle LHV receives Direct Debit Collection message
2.	Send DD collection message to client	A DD collections message will be sent to the LHV Customer with pain.008.
3.	Receive Rejection of the Collection message	PSP customer Rejects that collection with pain.002. Rejection should be sent by the end of the day 3 of the Bacs cycle. See cut-offs.
4.	Validate the response	LHV will validate collection, duplicates, account, initiation request, rejection data. Validation response is sent to customer by LHV.
5.	Create Direct Debit return resource	Direct Debit return resource is created by the LHV and send to the Bacs via ARUDD. Rejection should be sent by the end of the day 3 of the Bacs cycle. See cut-offs.
6.	Scheme Acceptance of the Return	Return is received and accepted by the scheme and credit payment will be initiated.
7.	Debit initial sum on Direct Debit Collection	Client will be debited on day 3 of the Bacs cycle. See cut-offs.
8.	Credit initial sum on Direct Debit Collection	Client will be credited on day 5 of the Bacs Return cycle. See cut-offs.

Example of Direct Debit Incoming Collection Notification and Response (Acceptance and Rejection)

Example of Direct Debit Incoming Collection Notification

<?xml version='1.0' encoding='UTF-8'?>
<Document xmlns="urn:iso:std:iso:20022:tech:xsd:pain.008.001.11">
    <CstmrDrctDbtInitn>
        <GrpHdr>
            <MsgId>04d8746c3da84cb0aedf7a0a47b38f19</MsgId>
            <CreDtTm>2024-07-03T15:12:01.663+01:00</CreDtTm>
            <NbOfTxs>1</NbOfTxs>
            <CtrlSum>700.00</CtrlSum>
            <InitgPty>
                <Nm>ACCOUNT NAME</Nm>
            </InitgPty>
        </GrpHdr>
        <PmtInf>
            <PmtInfId>6CB2EACA0FBC4D48A6F9430FABE1F857</PmtInfId>
            <PmtMtd>DD</PmtMtd>
            <NbOfTxs>1</NbOfTxs>
            <CtrlSum>700.00</CtrlSum>
            <PmtTpInf>
                <SvcLvl>
                    <Prtry>BACSDD</Prtry>
                </SvcLvl>
                <SeqTp>FRST</SeqTp>
            </PmtTpInf>
            <ReqdColltnDt>2024-07-04</ReqdColltnDt>
            <Cdtr>
                <Nm>ACCOUNT NAME</Nm>
            </Cdtr>
            <CdtrAcct>
                <Id>
                    <Othr>
                        <Id>20201555555555</Id>
                        <SchmeNm>
                            <Cd>BBAN</Cd>
                        </SchmeNm>
                    </Othr>
                </Id>
                <Ccy>GBP</Ccy>
            </CdtrAcct>
            <CdtrAgt>
                <FinInstnId>
                    <ClrSysMmbId>
                        <ClrSysId>
                            <Cd>GBDSC</Cd>
                        </ClrSysId>
                        <MmbId>202015</MmbId>
                    </ClrSysMmbId>
                </FinInstnId>
            </CdtrAgt>
            <DrctDbtTxInf>
                <PmtId>
                    <EndToEndId>e84065357fbc47ae833a18b0e76ba832</EndToEndId>
                </PmtId>
                <PmtTpInf>
                    <SvcLvl>
                        <Prtry>BACSDD</Prtry>
                    </SvcLvl>
                    <SeqTp>FRST</SeqTp>
                </PmtTpInf>
                <InstdAmt Ccy="GBP">700.00</InstdAmt>
                <DbtrAgt>
                    <FinInstnId>
                        <ClrSysMmbId>
                            <ClrSysId>
                                <Cd>GBDSC</Cd>
                            </ClrSysId>
                            <MmbId>040313</MmbId>
                        </ClrSysMmbId>
                    </FinInstnId>
                </DbtrAgt>
                <Dbtr>
                    <Nm>Testing Company</Nm>
                </Dbtr>
                <DbtrAcct>
                    <Id>
                        <Othr>
                            <Id>04031300000287</Id>
                            <SchmeNm>
                                <Cd>BBAN</Cd>
                            </SchmeNm>
                        </Othr>
                    </Id>
                    <Ccy>GBP</Ccy>
                    <Nm>Testing Company</Nm>
                </DbtrAcct>
            </DrctDbtTxInf>
        </PmtInf>
    </CstmrDrctDbtInitn>
</Document>

Example of Direct Debit Incoming Collection Notification Response (Acceptance and Rejection)

Acceptance with pain.002

<?xml version="1.0" encoding="UTF-8" standalone="yes"?>
<Document xmlns="urn:iso:std:iso:20022:tech:xsd:pain.002.001.14">
    <CstmrPmtStsRpt>
        <GrpHdr>
            <MsgId>68605e51e6ba463a9ecb2cf8ac315a9f</MsgId>
            <CreDtTm>2024-04-20T13:37:00.00Z</CreDtTm>
        </GrpHdr>
        <OrgnlGrpInfAndSts>
            <OrgnlMsgId>37b2a633146f4a1495c5002af3127d86</OrgnlMsgId>
            <OrgnlMsgNmId>pain.008.001.11</OrgnlMsgNmId>
            <GrpSts>ACSP</GrpSts>
        </OrgnlGrpInfAndSts>
        <OrgnlPmtInfAndSts>
            <OrgnlPmtInfId>A192FA117F8A443F8EEE7AB3738B6840</OrgnlPmtInfId>
            <PmtInfSts>ACSP</PmtInfSts>
        </OrgnlPmtInfAndSts>
    </CstmrPmtStsRpt>
</Document>

Rejection with pain.002

<?xml version="1.0" encoding="UTF-8" standalone="yes"?>
<Document xmlns="urn:iso:std:iso:20022:tech:xsd:pain.002.001.14">
    <CstmrPmtStsRpt>
        <GrpHdr>
            <MsgId>68605e51e6ba463a9ecb2cf8ac315a9f</MsgId>
            <CreDtTm>2024-04-20T13:37:00.00Z</CreDtTm>
        </GrpHdr>
        <OrgnlGrpInfAndSts>
            <OrgnlMsgId>37b2a633146f4a1495c5002af3127d86</OrgnlMsgId>
            <OrgnlMsgNmId>pain.008.001.11</OrgnlMsgNmId>
            <GrpSts>RJCT</GrpSts>
            <StsRsnInf>
                <Rsn>
                    <Cd>AC04</Cd>
                </Rsn>
            </StsRsnInf>
        </OrgnlGrpInfAndSts>
        <OrgnlPmtInfAndSts>
            <OrgnlPmtInfId>A192FA117F8A443F8EEE7AB3738B6840</OrgnlPmtInfId>
            <PmtInfSts>RJCT</PmtInfSts>
            <StsRsnInf>
                <Rsn>
                    <Cd>AC04</Cd>
                </Rsn>
            </StsRsnInf>
        </OrgnlPmtInfAndSts>
    </CstmrPmtStsRpt>
</Document>

Example of the Response to invalid pain.002

{
  "GrpHdr.MsgId": "pain002_message_id",
  "OrgnlMsgInf.MsgId": "message_id_pain008",
  "AcceptanceStatus": "PARTIAL",
  "Messages": [
    {
      "OrgnlPmtInfId": "payment account servicer reference",
      "Confirmed": true
    },
    {
      "OrgnlPmtInfId": "payment account servicer reference",
      "Confirmed": false,
      "ErrorInfo": {
        "ErrorCode": "NOT_FOUND",
        "ErrorDescription": "Direct Debit not found"
      }
    }
  ]
}

Error codes

Error Code	Description
DIRECT_DEBIT_NOT_FOUND	Direct Debit not found
DIRECT_DEBIT_INVALID_STATUS	Direct Debit is expected to be in status RECEIVED, but is in status ...
DUPLICATE_PAYMENT_ID	Duplicate payment in file
DIRECT_DEBIT_RESPONSE_PROCESSED	Direct Debit response already processed
DIRECT_DEBIT_FILE_NOT_FOUND	pain.008 message file not found
NO_RIGHTS_TO_DEBTOR_ACCOUNT	User have no rights to debtor account
DIRECT_DEBIT_FILE_INVALID	Payment doesn’t exists in corresponding pain.008 file
INVALID_REASON_CODE	Provided reason code is invalid

Direct Debit Reversal Notification

Use case 6: Receive the Direct Debit Reversal Notification

Typical flow

Step	Action	Description
1.	Previously received Direct Debit Collection	Client and LHV have previously received Direct Debit Collection
2.	LHV receive Reversal from the scheme	A Reversal notification is received by LHV from the scheme. Reversal can be initiated up to 6 days after original Direct Debit Collection event. LHV will validate duplicates, account, reversal creation time.
3.	Reversal notification (pain.007) is sent to the client	LHV creates Direct Debit Reversal notification (pain.007) and sends it to the customer. In one file there is information about one Direct Debit.
4.	Credit PSP account	Next day LHV will credit the PSP account.

Example of Direct Debit Reversal Notification

<?xml version='1.0' encoding='UTF-8'?>
<Document xmlns="urn:iso:std:iso:20022:tech:xsd:pain.007.001.11">
  <CstmrPmtRvsl>
    <GrpHdr>
      <MsgId>664ab8a9313f45f7bda640c7a58c5769</MsgId>
      <CreDtTm>2024-08-01T13:58:55.928+01:00</CreDtTm>
      <NbOfTxs>1</NbOfTxs>
      <CtrlSum>700.03</CtrlSum>
      <GrpRvsl>false</GrpRvsl>
    </GrpHdr>
    <OrgnlGrpInf>
      <OrgnlMsgId>267fd3b67eb940c2a4a73d002947c20c</OrgnlMsgId>
      <OrgnlMsgNmId>pain.008.001.11</OrgnlMsgNmId>
      <OrgnlCreDtTm>2024-08-01T13:48:01.413+01:00</OrgnlCreDtTm>
      <RvslRsnInf>
        <Rsn>
          <Prtry>R</Prtry>
        </Rsn>
        <AddtlInf>Same day reversal item by Bacs</AddtlInf>
      </RvslRsnInf>
    </OrgnlGrpInf>
    <OrgnlPmtInfAndRvsl>
      <RvslPmtInfId>484B725E34724A2BBF0E5CEADA6593A9</RvslPmtInfId>
      <OrgnlPmtInfId>F59270913BAF45B6905F2EE6833982E4</OrgnlPmtInfId>
      <OrgnlNbOfTxs>1</OrgnlNbOfTxs>
      <OrgnlCtrlSum>700.03</OrgnlCtrlSum>
      <RvslRsnInf>
        <Rsn>
          <Prtry>R</Prtry>
        </Rsn>
        <AddtlInf>Same day reversal item by Bacs</AddtlInf>
      </RvslRsnInf>
    </OrgnlPmtInfAndRvsl>
  </CstmrPmtRvsl>
</Document>