# Examples ## Mandate Initiation Request and Response ### Use case 1: Receive and confirm the Mandate #### Typical flow Receive and accept inbound Bacs DD Mandate

Receive and accept inbound Bacs DD Mandate

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 Receive and reject inbound Bacs DD Mandate

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 43642128e20c435387444d9c806b4f65 2024-06-19T12:03:01.249+01:00 9665c298f1cc4f9294598a4fc97ac060 TEST-112 false ACCOUNT NAME 539614 BANK 20201555555555 BBAN GBP TESTING COMPANY 539614 BANK 04031300000287 BBAN GBP GBDSC 040313 ``` #### Example of Mandate Initiation Response (Acceptance and Rejection) {% tabs %} {% tab title="Acceptance with pain.012" %} ```xml TEST-111 2024-04-17T13:57:01.326 43642128e20c435387444d9c806b4f65 2024-04-17T13:57:01.326 0 9665c298f1cc4f9294598a4fc97ac060 ``` {% endtab %} {% tab title="Rejection with pain.012" %} ```xml TEST-112 2024-04-17T13:57:01.326 43642128e20c435387444d9c806b4f65 2024-04-17T13:57:01.326 1 AC01 9665c298f1cc4f9294598a4fc97ac060 ``` {% endtab %} {% endtabs %} #### Example of the Confirmation to Mandate Initiation Response (pain.012) ```json { "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" } } ] } ``` {% hint style="info" %} List of all possible error codes can be found [here](/home/connect/services/indirect-scheme-access/payment-collection-services/bacs-direct-debit/bacs-direct-debit-mandate-initiation-response-confirmation.md#error-codes). {% endhint %} ## Mandate Cancellation Request ### Use case 3: Cancel the mandate #### Typical flow Initiate Bacs DD Mandate cancellation

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 iso-msg-id 2024-02-28T09:30:47 AUTH Company ABC 79fa86cf9e844a62879ef7c713baac5f pain.009.001.05 2024-02-27T09:30:00 AC04 312d60e61acf47d28083ac2e3729d6fc ``` #### Example of Mandate Cancellation Response {% tabs %} {% tab title="Acceptance with pain.012" %} ```xml 49fa9d40c0fb43b5901df7fe15dbb502 2024-05-24T11:14:01.793+01:00 iso-msg-id pain.011 true 3ac2dec8369b4849a105f41a73e369f3 ``` {% endtab %} {% tab title="Rejection with pain.012" %} ```xml 300745cd294c4673be20ffd9cd70e573 2024-05-27T08:32:43.507+01:00 iso-msg-id pain.011 false NARR Mandate cancel failed. 3ac2dec8369b4849a105f41a73e369f3 ``` {% endtab %} {% endtabs %} {% hint style="info" %} List of all possible error codes can be found [here](/home/connect/overview/code-reference-tables/bacs-direct-debit-mandate-reject-codes.md#mandate-cancellation-rejection). {% endhint %} ## Direct Debit Notification and Response ### Use case 4: Receive and confirm the Direct Debit notification #### Typical flow Receive and accept inbound Bacs DD

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 collection message will be sent to the LHV Customer with pain.008.
3.	Receive Acceptance of the Collection message	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 Receive and reject inbound Bacs DD

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	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 04d8746c3da84cb0aedf7a0a47b38f19 2024-07-03T15:12:01.663+01:00 1 700.00 ACCOUNT NAME 6CB2EACA0FBC4D48A6F9430FABE1F857 DD 1 700.00 BACSDD FRST 2024-07-04 ACCOUNT NAME 20201555555555 BBAN GBP GBDSC 202015 e84065357fbc47ae833a18b0e76ba832 BACSDD FRST 700.00 GBDSC 040313 Testing Company 04031300000287 BBAN GBP Testing Company ``` #### Example of Direct Debit Incoming Collection Notification Response (Acceptance and Rejection) {% tabs %} {% tab title="Acceptance with pain.002" %} ```xml 68605e51e6ba463a9ecb2cf8ac315a9f 2024-04-20T13:37:00.00Z 37b2a633146f4a1495c5002af3127d86 pain.008.001.11 ACSP A192FA117F8A443F8EEE7AB3738B6840 ACSP ``` {% endtab %} {% tab title="Rejection with pain.002" %} ```xml 68605e51e6ba463a9ecb2cf8ac315a9f 2024-04-20T13:37:00.00Z 37b2a633146f4a1495c5002af3127d86 pain.008.001.11 RJCT AC04 A192FA117F8A443F8EEE7AB3738B6840 RJCT AC04 ``` {% endtab %} {% endtabs %} #### Example of the Confirmation to Direct Debit Collection Notification Response (pain.002) ```json { "GrpHdr.MsgId": "pain002_message_id", "OrgnlGrpInfAndSts.OrgnlMsgId": "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" } } ] } ``` {% hint style="info" %} List of all possible error codes can be found [here](/home/connect/services/indirect-scheme-access/payment-collection-services/bacs-direct-debit/direct-debit-collection-notification-response-confirmation.md#error-codes). {% endhint %} ## Direct Debit Reversal Notification ### Use case 6: Receive the Direct Debit Reversal Notification #### Typical flow Receive inbound Bacs DD Reversal

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.	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 664ab8a9313f45f7bda640c7a58c5769 2024-08-01T13:58:55.928+01:00 1 700.03 false 267fd3b67eb940c2a4a73d002947c20c pain.008.001.11 2024-08-01T13:48:01.413+01:00 R Same day reversal item by Bacs 484B725E34724A2BBF0E5CEADA6593A9 F59270913BAF45B6905F2EE6833982E4 1 700.03 R Same day reversal item by Bacs ``` --- # Agent Instructions: Querying This Documentation If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question. Perform an HTTP GET request on the current page URL with the `ask` query parameter: ``` GET https://docs.lhv.com/home/connect/services/indirect-scheme-access/payment-collection-services/bacs-direct-debit/samples.md?ask= ``` The question should be specific, self-contained, and written in natural language. The response will contain a direct answer to the question and relevant excerpts and sources from the documentation. Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.