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Faster Payment

Faster Payments initiation starts with sending a pain.001 message containing the payment request. In this context, payments are submitted for processing through the UK Faster Payments scheme, which enables near real-time execution. This example focuses on single transaction scenarios, where each pain.001 message includes only one payment instruction.

Two variations of creditor account formats are shown:

  • One using a standard IBAN.

  • Another using a UK sort code and account number provided as separate fields.

The BBAN-formatted example is demonstrated under the Multiple Payments in One File page.

Once received, the system validates the message and the payment details. An initial pain.002 response confirms whether the request has been accepted for processing. If accepted, the payment proceeds to scheme. Upon completion, a second pain.002 message confirms the settlement status, and a camt.054 debit notification reflects the booking on the debtor account.

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IBAN Format Example

Pain.001.001.09 sent using POST https://connect.lhv.com/payment

<?xml version='1.0' encoding='UTF-8'?>
<Document xmlns="urn:iso:std:iso:20022:tech:xsd:pain.001.001.09" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation="urn:iso:std:iso:20022:tech:xsd:pain.001.001.09 ../../XSD/pain.001.001.09.xsd">
    <CstmrCdtTrfInitn>
        <GrpHdr>
            <MsgId>MsgId583556</MsgId>
            <CreDtTm>2025-06-20T09:20:41Z</CreDtTm>
            <NbOfTxs>1</NbOfTxs>
            <CtrlSum>1.00</CtrlSum>
            <InitgPty>
                <Nm>Connect Demo Customer 1</Nm>
            </InitgPty>
        </GrpHdr>
        <PmtInf>
            <PmtInfId>PmtInfId583556</PmtInfId>
            <PmtMtd>TRF</PmtMtd>
            <BtchBookg>false</BtchBookg>
            <NbOfTxs>1</NbOfTxs>
            <CtrlSum>1.00</CtrlSum>
            <ReqdExctnDt>
                <Dt>2025-06-20</Dt>
            </ReqdExctnDt>
            <Dbtr>
                <Nm>Connect Demo Customer 1</Nm>
            </Dbtr>
            <DbtrAcct>
                <Id>
                    <IBAN>GB20LHVB04031512345678</IBAN>
                </Id>
            </DbtrAcct>
            <DbtrAgt>
                <FinInstnId>
                    <BICFI>LHVBGB2LXXX</BICFI>
                </FinInstnId>
            </DbtrAgt>
            <ChrgBr>SHAR</ChrgBr>
            <CdtTrfTxInf>
                <PmtId>
                    <InstrId>InstrId583556</InstrId>
                    <EndToEndId>EndToEndId583556</EndToEndId>
                </PmtId>
                <Amt>
                    <InstdAmt Ccy="GBP">1.00</InstdAmt>
                </Amt>
                <ChrgBr>SHAR</ChrgBr>
                <Cdtr>
                    <Nm>John Smith</Nm>
                </Cdtr>
                <CdtrAcct>
                    <Id>
                        <IBAN>GB32BUKB20201755555555</IBAN>
                    </Id>
                </CdtrAcct>
                <RmtInf>
                    <Strd>
                        <CdtrRefInf>
                            <Tp>
                                <CdOrPrtry>
                                    <Cd>SCOR</Cd>
                                </CdOrPrtry>
                            </Tp>
                            <Ref>583556</Ref>
                        </CdtrRefInf>
                    </Strd>
                </RmtInf>
            </CdtTrfTxInf>
        </PmtInf>
    </CstmrCdtTrfInitn>
</Document>

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Sort Code and Account Number on Separate Fields

Pain.001.001.09 sent using POST https://connect.lhv.com/payment

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