Transaction Notification

Transaction Notification (Debit-Credit Notification) service description

Request

There is no request endpoint for this service as it is triggered by other events

Transaction Notification or Debit-Credit Notification messages are created automatically for every incoming or outgoing transaction on the account. This includes Account to Account Payments as well as other types of transactions, such as fee or interest payments.

The ISO 20022 Bank To Customer Debit Credit Notification camt.054.001.02 standard is used - content and format is very similar to Account Statement camt.053.001.02.

Response

Response message is created and can be requested by the Messages services - Messages Services

HTTP Header Message-Response-Type: CREDIT_DEBIT_NOTIFICATION

Body

Message root

INDEX	MESSAGE ELEMENT	XML TAG
[1..1]	MessageRoot	<BkToCstmrDbtCdtNtfctn>

Group header

MULT.	OR	MESSAGE ELEMENT	XML TAG	DESCRIPTION
[1..1]		+GroupHeader	<GrpHdr>
[1..1]		++MessageIdentification	<MsgId>	Unique message identifier generated by LHV.
[1..1]		++CreationDateTime	<CreDtTm>	Date and time when the notification message is created at LHV.
[1..n]		+Notification	<Ntfctn>
[1..1]		++Identification	<Id>	Unique notification identifier generated by LHV.
[1..1]		++CreationDateTime	<CreDtTm>	Date and time when the notification is created at LHV.
[1..1]		++Account	<Acct>
[1..1]		+++ Identification	<Id>
[1..1]		++++IBAN	<IBAN>	IBAN for which this notification block is generated. When using Virtual/Agency account services - the master account IBAN is used here, and Virtual/Agency account in debitor and creditor blocks.
[1..1]		+++Currency	<Ccy>	Currency for which this notification block is generated.
[0..1]		+++Owner	<Ownr>	Account owner information.
[1..1]		++++Name	<Nm>	Account owner name.
[1..1]		++++Identification	<Id>	Legal customer registry code or private customer personal code.
[1..1]	{Or	+++++OrganisationIdentification	<OrgId>
[1..1]		++++++Other	<Othr>
[1..1]		+++++++Identification	<Id>	Legal customer registry code.
[1..1]	Or}	+++++PrivateIdentification	<PrvtId>
[1..1]		++++++Other	<Othr>
[1..1]		+++++++Identification	<Id>	Private customer personal code.
[1..1]		+++Servicer	<Svcr>
[1..1]		++++BIC	<BIC>	LHVBEE22.
[1..1]		++++Name	<Nm>	LHV Pank.
[1..1]		++Entry	<Ntry>	Transaction level entry.
[1..1]		+++Amount	<Amt Ccy="AAA">	Transaction amount (may be zero).
[1..1]		+++CreditDebitIndicator	<CdtDbtInd>	Code Set: Credit and debit code. Zero amount is considered a credit amount.
[0..1]		+++ReversalIndicator	<RvslInd>	True (1) if credit transaction is return of payment
[1..1]		+++Status	<Sts>	BOOK.
[1..1]		+++BookingDate	<BookgDt>
[1..1]		++++Date	<Dt>	Transaction date.
[1..1]		+++ValueDate	<ValDt>
[1..1]		++++DateTime	<DtTm>	Transaction date with time and offset.
[1..1]		+++AccountServicerReference	<AcctSvcrRef>	Unique payment ID assigned by the bank.
[1..1]		+++BankTransactionCode	<BkTxCd>
[1..1]		++++Domain	<Domn>
[1..1]		+++++Code	<Cd>	See the codes in Code Set: Bank Transaction Codes.
[1..1]		+++++Family	<Fmly>
[1..1]		++++++Code	<Cd>	See the codes in Code Set: Bank Transaction Codes.
[1..1]		++++++SubFamilyCode	<SubFmlyCd>	See the codes in Code Set: Bank Transaction Codes.
[0..1]		++++Proprietary	<Prtry>
[1..1]		+++++Code	<Cd>	Payment scheme code - Code Set: Payment scheme.
[1..n]		+++EntryDetails	<NtryDtls>
[1..n]		++++TransactionDetails	<TxDtls>
[1..1]		+++++References	<Refs>
[0..1]		++++++AccountServicerReference	<AcctSvcrRef>	Unique payment ID assigned by the bank.
[0..1]		++++++PaymentInformationIdentification	<PmtInfId>	Unique identification assigned by a sending party. For outgoing payments reference to the original payment initiation message value PmtInf.PmtInfId.
[0..1]		++++++InstructionIdentification	<InstrId>	Payment order number.
[0..1]		++++++EndToEndIdentification	<EndToEndId>
[1..1]		+++++AmountDetails	<AmtDtls>
[1..1]		++++++InstructedAmount	<InstdAmt>
[1..1]		+++++++Amount	<Amt Ccy="AAA">	Transaction amount (may be zero).
[0..1]		+++++RelatedParties	<RltdPties>
[0..1]		++++++Debtor	<Dbtr>	Block is included for: credit transactions; debit transactions for Virtual/Agency account master account
[0..1]		+++++++Name	<Nm>	Remitter’s name.
[0..1]		+++++++PostalAddress	<PstlAdr>
[0..1]		++++++++Country	<Ctry>	Remitter’s country ISO code.
[0..7]		++++++++AddressLine	<AdrLine>	Remitter’s address.
[0..1]		+++++++Identification	<Id>
[1..1]	{Or	++++++++OrganisationIdentification	<OrgId>
[0..1]	{{Or	+++++++++BICOrBEI	<BICOrBEI>	Remitter’s BIC or BEI.
[0..n]	Or}}	+++++++++Other	<Othr>
[1..1]		++++++++++Identification	<Id>	Remitter’s identification.
[0..1]		++++++++++Issuer	<Issr>
[1..1]	Or}	++++++++PrivateIdentification	<PrvtId>
[0..1]		+++++++++DateAndPlaceOfBirth	<DtAndPlcOfBirth>
[1..1]		++++++++++BirthDate	<BirthDt>
[1..1]		++++++++++CityOfBirth	<CityOfBirth>
[1..1]		++++++++++CountryOfBirth	<CtryOfBirth>
[0..n]		+++++++++Other	<Othr>
[1..1]		++++++++++Identification	<Id>	Remitter’s personal code.
[0..1]		++++++++++SchemeName	<SchmeNm>
[1..1]		+++++++++++Code	<Cd>	See the supported values in Code Set: Private Person Identification.
[0..1]		++++++DebtorAccount	<DbtrAcct>	Block is included for: credit transactions; debit transactions for Virtual/Agency account master account
		+++++++Identification	<Id>
[1..1]	{Or	++++++++IBAN	<IBAN>	Remitter’s IBAN for credit transaction and Virtual/Agency account for debit transactions.
[1..1]	Or}	++++++++Other	<Othr>
[1..1]		+++++++++Identification	<Id>	Remitter’s bank account number which is not IBAN. For Faster Payments (incoming): UK sort code + account nr (14 characters)
[0..1]		++++++UltimateDebtor	<UltmtDbtr>
[0..1]		+++++++Name	<Nm>	Ultimate remitter’s name.
[0..1]		+++++++Identification	<Id>
[0..7]	{Or	++++++++OrganisationIdentification	<OrgId>
[0..1]	{{Or	+++++++++BICOrBEI	<BICOrBEI>	Ultimate remitter’s BIC or BEI.
[1..1]	Or}}	+++++++++Other	<Othr>
[0..1]		++++++++++Identification	<Id>	Ultimate remitter’s identification.
[1..1]	Or}	++++++++PrivateIdentification	<PrvtId>
[1..1]		+++++++++DateAndPlaceOfBirth	<DtAndPlcOfBirth>
[0..1]		++++++++++BirthDate	<BirthDt>	Ultimate remitter’s birth date.
[1..1]		++++++++++CityOfBirth	<CityOfBirth>	Ultimate remitter’s city of birth.
[0..1]		++++++++++CountryOfBirth	<CtryOfBirth>	Ultimate remitter’s country of birth.
[1..1]		+++++++++Other	<Othr>
[1..1]		++++++++++Identification	<Id>	Ultlimate remitter’s identification.
[0..1]		++++++++++SchemeName	<SchmeNm>
[1..1]		+++++++++++Code	<Cd>	See the supported values in Code Set: Private Person Identification.
[0..1]		++++++Creditor	<Cdtr>	Block is included for: debit transactions; credit transactions for Virtual/Agency account master account
[0..1]		+++++++Name	<Nm>	Creditor’s name.
[0..1]		+++++++PostalAddress	<PstlAdr>
[0..1]		++++++++Country	<Ctry>	Remitter’s country ISO code.
[0..7]		++++++++AddressLine	<AdrLine>	Remitter’s address.
[0..1]		+++++++Identification	<Id>
[0..7]	{Or	++++++++OrganisationIdentification	<OrgId>
[0..1]	{{Or	+++++++++BICOrBEI	<BICOrBEI>	Creditor’s BIC or BEI.
[1..1]	Or}}	+++++++++Other	<Othr>
[0..1]		++++++++++Identification	<Id>	Creditor’s identification.
[1..1]	Or}	++++++++PrivateIdentification	<PrvtId>
[1..1]		+++++++++DateAndPlaceOfBirth	<DtAndPlcOfBirth>
[0..1]		++++++++++BirthDate	<BirthDt>	Creditor’s birth date.
[1..1]		++++++++++CityOfBirth	<CityOfBirth>	Creditor’s city of birth.
[0..1]		++++++++++CountryOfBirth	<CtryOfBirth>	Creditor’s country of birth.
[1..1]		+++++++++Other	<Othr>
[1..1]		++++++++++Identification	<Id>	Creditor’s identification.
[0..1]		++++++++++SchemeName	<SchmeNm>
[1..1]		+++++++++++Code	<Cd>	See the supported values in Code Set: Private Person Identification.
		++++++CreditorAccount	<CdtrAcct>	Block is included for: debit transactions; credit transactions for Virtual/Agency account master account
		+++++++Identification	<Id>
[1..1]	{Or	++++++++IBAN	<IBAN>	Creditor’s IBAN for debit transaction and Virtual/Agency account for credit transactions. UK Faster Payments - used when also payment request contained IBAN.
[1..1]	Or}	++++++++Other	<Othr>
[1..1]		+++++++++Identification	<Id>	Creditor’s account number which is not IBAN. UK Faster Payments (outgoing) - when also payment request contained sort code + domestic account nr. For Faster Payments (incoming): UK sort code + account nr (14 characters)
[0..1]		++++++UltimateCreditor	<UltmtCdtr>
[0..1]		+++++++Name	<Nm>	Ultimate creditor’s name.
[0..1]		+++++++Identification	<Id>
[0..7]	{Or	++++++++OrganisationIdentification	<OrgId>
[0..1]	{{Or	+++++++++BICOrBEI	<BICOrBEI>	Ultimate creditor’s BIC or BEI.
[1..1]	Or}}	+++++++++Other	<Othr>
[0..1]		++++++++++Identification	<Id>	Ultimate creditor’s identification.
[1..1]	Or}	++++++++PrivateIdentification	<PrvtId>
[1..1]		+++++++++DateAndPlaceOfBirth	<DtAndPlcOfBirth>
[0..1]		++++++++++BirthDate	<BirthDt>	Ultimate creditor’s birth date.
[1..1]		++++++++++CityOfBirth	<CityOfBirth>	Ultimate creditor’s city of birth.
[0..1]		++++++++++CountryOfBirth	<CtryOfBirth>	Ultimate creditor’s country of birth.
[1..1]		+++++++++Other	<Othr>
[1..1]		++++++++++Identification	<Id>	Ultimate creditor’s identification.
[0..1]		++++++++++SchemeName	<SchmeNm>
[1..1]		+++++++++++Code	<Cd>	See the supported values in Code Set: Private Person Identification.
[0..1]		+++++RelatedAgents	<RltdAgts>
[0..1]		++++++DebtorAgent	<DbtrAgt>
[1..1]		+++++++FinancialInstitutionIdentification	<FinInstnId>
[0..1]		++++++++BIC	<BIC>	BIC of the remitter’s bank.
[0..1]		++++++++Name	<Nm>	Name of the remitter’s bank.
[0..1]		++++++CreditorAgent	<CdtrAgt>
[1..1]		+++++++FinancialInstitutionIdentification	<FinInstnId>
[0..1]		++++++++BIC	<BIC>	BIC of the creditor’s bank.
[0..1]		++++++++Name	<Nm>	Name of the creditor’s bank.
[0..1]		+++++Purpose	<Purp>
[1..1]	{Or	++++++Code	<Cd>	See the codes in Code Set: Purpose.
[1..1]	Or}	++++++Proprietary	<Prtry>
[0..1]		+++++RemittanceInformation	<RmtInf>
[0..n]		++++++Unstructured	<Ustrd>	Payment description.
[0..n]		++++++Structured	<Strd>
[0..1]		+++++++CreditorReferenceInformation	<CdtrRefInf>
[0..1]		++++++++Type	<Tp>
[1..1]		+++++++++CodeOrProprietary	<CdOrPrtry>
[1..1]	{Or	++++++++++Code	<Cd>	SCOR
[1..1]	Or}	++++++++++Proprietary	<Prtry>
[0..1]		+++++++++Issuer	<Issr>
[0..1]		++++++++Reference	<Ref>	Payment reference number.
[0..1]		+++++ReturnInformation	<RtrInf>	Return information.
[0..1]		++++++Reason	<Rsn>
[1..1]	{Or	+++++++Code	<Cd>	NARR if AdditionalInformation is filled.
[1..1]	Or}	+++++++Proprietary	<Prtry>
[0..n]		++++++AdditionalInformation	<AddtlInf>	Used with Reason/Code NARR. For returned payment reference to orignal payment message pain.001.001.09 PmtInfId value. Additional rows with format CD:NNNNNNNN refer to payment scheme specific return codes.

Samples

Statement data

Sample of an outgoing payment

<Document xmlns="urn:iso:std:iso:20022:tech:xsd:camt.054.001.02">
	<BkToCstmrDbtCdtNtfctn>
		<GrpHdr>
			<MsgId>10942444</MsgId>
			<CreDtTm>2019-11-14T16:01:40.074</CreDtTm>
		</GrpHdr>
		<Ntfctn>
			<Id>10942444EUR</Id>
			<CreDtTm>2019-11-14T16:01:40.074</CreDtTm>
			<Acct>
				<Id>
					<IBAN>EE337700771001260958</IBAN>
				</Id>
				<Ccy>EUR</Ccy>
				<Ownr>
					<Nm>LHV Connect Demo 1</Nm>
					<Id>
						<OrgId>
							<Othr>
								<Id>96811884</Id>
							</Othr>
						</OrgId>
					</Id>
				</Ownr>
				<Svcr>
					<FinInstnId>
						<BIC>LHVBEE22</BIC>
						<Nm>AS LHV Pank</Nm>
					</FinInstnId>
				</Svcr>
			</Acct>
			<Ntry>
				<Amt Ccy="EUR">2.50</Amt>
				<CdtDbtInd>DBIT</CdtDbtInd>
				<Sts>BOOK</Sts>
				<BookgDt>
					<Dt>2019-11-14</Dt>
				</BookgDt>
				<ValDt>
					<DtTm>2019-11-14T10:11:53.000+02:00</DtTm>
				</ValDt>
				<AcctSvcrRef>D9C8845A4BBAEA11910E00155DBDB781</AcctSvcrRef>
				<BkTxCd>
					<Domn>
						<Cd>PMNT</Cd>
						<Fmly>
							<Cd>ICDT</Cd>
							<SubFmlyCd>OTHR</SubFmlyCd>
						</Fmly>
					</Domn>
                    <Prtry>
                        <Cd>INTERNAL</Cd>
                    </Prtry>
				</BkTxCd>
				<NtryDtls>
					<TxDtls>
						<Refs>
							<AcctSvcrRef>D9C8845A4BBAEA11910E00155DBDB781</AcctSvcrRef>
							<InstrId>INSTRIDLHVTEST01A</InstrId>
							<EndToEndId>ENDTOENDIDLHVTEST01A</EndToEndId>
						</Refs>
						<AmtDtls>
							<InstdAmt>
								<Amt Ccy="EUR">2.50</Amt>
							</InstdAmt>
							<TxAmt>
								<Amt Ccy="EUR">2.50</Amt>
							</TxAmt>
						</AmtDtls>
						<RltdPties>
							<Cdtr>
								<Nm>LHV Connect Demo 2</Nm>
							</Cdtr>
							<CdtrAcct>
								<Id>
									<IBAN>EE267700771001260987</IBAN>
								</Id>
							</CdtrAcct>
						</RltdPties>
						<RltdAgts>
							<DbtrAgt>
								<FinInstnId>
									<BIC>LHVBEE20</BIC>
									<Nm>AS LHV Pank</Nm>
								</FinInstnId>
							</DbtrAgt>
							<CdtrAgt>
								<FinInstnId>
									<BIC>LHVBEE20</BIC>
									<Nm>AS LHV Pank</Nm>
								</FinInstnId>
							</CdtrAgt>
						</RltdAgts>
						<RmtInf>
							<Ustrd>Payment Description LHVTEST01A</Ustrd>
							<Strd>
								<CdtrRefInf>
									<Tp>
										<CdOrPrtry>
											<Cd>SCOR</Cd>
										</CdOrPrtry>
									</Tp>
									<Ref>700170939</Ref>
								</CdtrRefInf>
							</Strd>
						</RmtInf>
					</TxDtls>
				</NtryDtls>
			</Ntry>
		</Ntfctn>
	</BkToCstmrDbtCdtNtfctn>
</Document>

Error codes

Service specific errors

ERROR CODE	DESCRIPTION
errStatement_NoAccess	No access to the account.
errStatement_PeriodLong	Period is too long.
errStatement_PeriodInvalid	From date cannot be later than to date.
errStatement_RequestInvalid	Request message fails xsd validation.