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On this page
  • Mandate Initiation Request and Response
  • Use case 1: Receive and confirm the Mandate
  • Use case 2: Reject the Mandate
  • Example of Mandate Initiation Request and Response (Acceptance and Rejection)
  • Mandate Cancellation Request
  • Use case 3: Cancel the mandate
  • Direct Debit Notification and Response
  • Use case 4: Receive and confirm the Direct Debit notification
  • Use case 5: Reject the Direct Debit Collection
  • Example of Direct Debit Incoming Collection Notification and Response (Acceptance and Rejection)
  • Direct Debit Reversal Notification
  • Use case 6: Receive the Direct Debit Reversal Notification

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  1. Service Catalogue
  2. Indirect Scheme Access
  3. Payment Collection Services
  4. Bacs Direct Debit

Examples

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

PreviousDirect Debit Reversal Notification RequestNextWebhooks

Last updated 1 month ago

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Mandate Initiation Request and Response

Use case 1: Receive and confirm 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.

3.

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

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.

3.

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.

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)

<?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>
<?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 Confirmation to Mandate Initiation Response (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"
      }
    }
  ]
}

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 โ€˜activeโ€™

Validate cancellation request

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

<?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>
<?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>

Direct Debit Notification and Response

Use case 4: Receive and confirm 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

3.

Receive Acceptance of the Collection message

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

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

3.

Receive Rejection of the Collection message

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.

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

8.

Credit initial sum on Direct Debit Collection

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)

<?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>
<?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 Confirmation to Direct Debit Collection Notification Response (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"
      }
    }
  ]
}

Direct Debit Reversal Notification

Use case 6: Receive the Direct Debit Reversal Notification

Typical flow

Step
Action
Description

1.

Previously received Direct Debit Collection

Customer 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.

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>

Mandate initiation request () is sent to the client

LHV creates mandate initiation request () and sends it to the customer. In one file there is information about one Mandate.

Client accepts the mandate by sending Mandate Initiation Response to LHV ()

A mandate acceptance is received by LHV from the customer with . Acceptance should be send by the end of the day 3 of the Bacs cycle.

On day 3 of the Bacs Cycle, all mandates will be activated.

Mandate initiation request () is sent to the client

LHV creates mandate initiation request () and sends it to the customer. In one file there is information about one Mandate.

Client Rejects the mandate by sending Mandate Initiation Response to LHV ()

A mandate rejection is received by LHV from the customer with . Rejection should be sent by the end of the day 3 of the Bacs Cycle.

Mandate return can be send until the end of the day 3 of the Bacs Cycle.

List of all possible error codes can be found .

Insert cancellation request ()

A mandate cancellation is received by LHV from the customer with .

Request is validated by the LHV. LHV is validating mandate, mandate initiation request, duplicates, data in, account.

Validation response is send to customer by LHV with .

List of all possible error codes can be found .

A DD collection message will be sent to the LHV Customer with .

Customer accepts that collection with .

If no response received from the customer then it will be processed as accepted.

On day 3 of the Bacs Cycle LHV will debit customers account.

A DD collections message will be sent to the LHV Customer with .

Customer rejects that collection with . Rejection should be sent by the end of the day 3 of the Bacs cycle.

Rejection should be sent by the end of the day 3 of the Bacs cycle.

Client will be debited on day 3 of the Bacs cycle.

Client will be credited on day 5 of the Bacs Return cycle.

List of all possible error codes can be found .

Reversal notification () is sent to the client

LHV creates Direct Debit Reversal notification () and sends it to the customer. In one file there is information about one Direct Debit.

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Receive and accept inbound Bacs DD Mandate
Receive and reject inbound Bacs DD Mandate
Initiate Bacs DD Mandate cancellation
Receive and accept inbound Bacs DD
Receive and reject inbound Bacs DD
Receive inbound Bacs DD Reversal
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