# FPSPOO Payment

FPSPOO payment initiation begins with sending a pain.001 message that contains the payment request. For more information about FPSPOO payment see [fpspoo-payments](https://docs.lhv.com/home/connect/services/payments/fpspoo-payments "mention")

This example illustrates a single transaction scenario, where the pain.001 message includes one payment instruction. Once received, the system validates the message and its content. 

An initial pain.002 response is returned to confirm whether the payment was accepted for processing. Upon successful execution, a second pain.002 message is issued to confirm settlement. A camt.054 debit notification follows, reflecting the final booking on the debtor account.

{% tabs %}
{% tab title="Payment Request" %}
Pain.001.001.09 sent using `POST` <https://connect.lhv.com/payment>

{% code overflow="wrap" %}

```xml
<?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>MsgId2507223</MsgId>
            <CreDtTm>2025-07-22T10:36:27Z</CreDtTm>
            <NbOfTxs>1</NbOfTxs>
            <CtrlSum>1.00</CtrlSum>
            <InitgPty>
                <Nm>Connect Demo Customer 1</Nm>
            </InitgPty>
        </GrpHdr>
        <PmtInf>
            <PmtInfId>PmtInfId2507223</PmtInfId>
            <PmtMtd>TRF</PmtMtd>
            <BtchBookg>false</BtchBookg>
            <NbOfTxs>1</NbOfTxs>
            <CtrlSum>1.00</CtrlSum>
            <ReqdExctnDt>
                <Dt>2025-07-22</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>InstrId2507222</InstrId>
                    <EndToEndId>EndToEndId2507222</EndToEndId>
                </PmtId>
                <Amt>
                    <InstdAmt Ccy="GBP">1.00</InstdAmt>
                </Amt>
                <UltmtDbtr>
                    <Nm>Mary Smith</Nm>
                    <PstlAdr>
                        <StrtNm>Via Roma</StrtNm>
                        <BldgNb>42</BldgNb>
                        <PstCd>20121</PstCd>
                        <TwnNm>Milano</TwnNm>
                        <Ctry>IT</Ctry>
                    </PstlAdr>
                    <Id>
                        <OrgId>
                            <AnyBIC>AAAAITNNXXX</AnyBIC>
                            <Othr>
                                <Id>IT000000000000000000000000</Id>
                            </Othr>
                        </OrgId>
                    </Id>
                </UltmtDbtr>
                <Cdtr>
                    <Nm>Michael Smith</Nm>
                    <PstlAdr>
                        <Ctry>GB</Ctry>
                        <AdrLine>Address Line</AdrLine>
                    </PstlAdr>
                </Cdtr>
                <CdtrAcct>
                    <Id>
                        <IBAN>GB32BUKB20201755555555</IBAN>
                    </Id>
                </CdtrAcct>
                <RmtInf>
                    <Strd>
                        <CdtrRefInf>
                            <Tp>
                                <CdOrPrtry>
                                    <Cd>SCOR</Cd>
                                </CdOrPrtry>
                            </Tp>
                            <Ref>2507223</Ref>
                        </CdtrRefInf>
                    </Strd>
                </RmtInf>
            </CdtTrfTxInf>
        </PmtInf>
    </CstmrCdtTrfInitn>
</Document>
```

{% endcode %}
{% endtab %}

{% tab title="Payment Response 1" %}
Initial pain.002.001.10 with Accepted Settlement in Process (ACSP) status

```xml
<?xml version="1.0" encoding="UTF-8" standalone="yes"?>
<Document xmlns="urn:iso:std:iso:20022:tech:xsd:pain.002.001.10">
    <CstmrPmtStsRpt>
        <GrpHdr>
            <MsgId>1000206109</MsgId>
            <CreDtTm>2025-07-22T11:39:37.447+01:00</CreDtTm>
            <InitgPty>
                <Id>
                    <OrgId>
                        <AnyBIC>LHVBGB2LXXX</AnyBIC>
                    </OrgId>
                </Id>
            </InitgPty>
        </GrpHdr>
        <OrgnlGrpInfAndSts>
            <OrgnlMsgId>MsgId2507223</OrgnlMsgId>
            <OrgnlMsgNmId>pain.001.001.09</OrgnlMsgNmId>
            <GrpSts>ACSP</GrpSts>
        </OrgnlGrpInfAndSts>
        <OrgnlPmtInfAndSts>
            <OrgnlPmtInfId>PmtInfId2507223</OrgnlPmtInfId>
            <PmtInfSts>ACSP</PmtInfSts>
            <TxInfAndSts>
                <OrgnlInstrId>InstrId2507222</OrgnlInstrId>
                <TxSts>ACSP</TxSts>
                <AcctSvcrRef>58BFF71612C34546BD2E6AD24542D017</AcctSvcrRef>
                <OrgnlTxRef>
                    <Amt>
                        <InstdAmt Ccy="GBP">1.00</InstdAmt>
                    </Amt>
                    <ReqdExctnDt>
                        <Dt>2025-07-22</Dt>
                    </ReqdExctnDt>
                    <PmtTpInf>
                        <SvcLvl>
                            <Prtry>FAST</Prtry>
                        </SvcLvl>
                    </PmtTpInf>
                    <Dbtr>
                        <Pty>
                            <Nm>Connect Demo Customer 1</Nm>
                        </Pty>
                    </Dbtr>
                    <DbtrAcct>
                        <Id>
                            <IBAN>GB20LHVB04031512345678</IBAN>
                        </Id>
                    </DbtrAcct>
                    <DbtrAgt>
                        <FinInstnId>
                            <BICFI>LHVBGB2L</BICFI>
                        </FinInstnId>
                    </DbtrAgt>
                    <CdtrAgt>
                        <FinInstnId/>
                    </CdtrAgt>
                    <Cdtr>
                        <Pty>
                            <Nm>Michael Smith</Nm>
                        </Pty>
                    </Cdtr>
                    <CdtrAcct>
                        <Id>
                            <IBAN>GB32BUKB20201755555555</IBAN>
                        </Id>
                    </CdtrAcct>
                </OrgnlTxRef>
            </TxInfAndSts>
        </OrgnlPmtInfAndSts>
    </CstmrPmtStsRpt>
</Document>
```

{% endtab %}

{% tab title="Payment Response 2" %}
Second pain.002.001.10 with Accepted Settlement Completed (ACSC) status

```xml
<?xml version="1.0" encoding="UTF-8" standalone="yes"?>
<Document xmlns="urn:iso:std:iso:20022:tech:xsd:pain.002.001.10">
    <CstmrPmtStsRpt>
        <GrpHdr>
            <MsgId>1000206153</MsgId>
            <CreDtTm>2025-07-22T13:00:30.124+01:00</CreDtTm>
            <InitgPty>
                <Id>
                    <OrgId>
                        <AnyBIC>LHVBGB2LXXX</AnyBIC>
                    </OrgId>
                </Id>
            </InitgPty>
        </GrpHdr>
        <OrgnlGrpInfAndSts>
            <OrgnlMsgId>MsgId2507223</OrgnlMsgId>
            <OrgnlMsgNmId>pain.001.001.09</OrgnlMsgNmId>
        </OrgnlGrpInfAndSts>
        <OrgnlPmtInfAndSts>
            <OrgnlPmtInfId>PmtInfId2507223</OrgnlPmtInfId>
            <TxInfAndSts>
                <OrgnlInstrId>InstrId2507222</OrgnlInstrId>
                <TxSts>ACSC</TxSts>
                <AcctSvcrRef>58BFF71612C34546BD2E6AD24542D017</AcctSvcrRef>
                <OrgnlTxRef>
                    <Amt>
                        <InstdAmt Ccy="GBP">1.00</InstdAmt>
                    </Amt>
                    <ReqdExctnDt>
                        <Dt>2025-07-22</Dt>
                    </ReqdExctnDt>
                    <PmtTpInf>
                        <SvcLvl>
                            <Prtry>FAST</Prtry>
                        </SvcLvl>
                    </PmtTpInf>
                    <Dbtr>
                        <Pty>
                            <Nm>Connect Demo Customer 1</Nm>
                        </Pty>
                    </Dbtr>
                    <DbtrAcct>
                        <Id>
                            <IBAN>GB20LHVB04031512345678</IBAN>
                        </Id>
                    </DbtrAcct>
                    <DbtrAgt>
                        <FinInstnId>
                            <BICFI>LHVBGB2L</BICFI>
                        </FinInstnId>
                    </DbtrAgt>
                    <CdtrAgt>
                        <FinInstnId/>
                    </CdtrAgt>
                    <Cdtr>
                        <Pty>
                            <Nm>Michael Smith</Nm>
                        </Pty>
                    </Cdtr>
                    <CdtrAcct>
                        <Id>
                            <IBAN>GB32BUKB20201755555555</IBAN>
                        </Id>
                    </CdtrAcct>
                </OrgnlTxRef>
            </TxInfAndSts>
        </OrgnlPmtInfAndSts>
    </CstmrPmtStsRpt>
</Document>
```

{% endtab %}

{% tab title="Transaction Notification" %}
Debit notification, camt.054.001.02.

{% code overflow="wrap" fullWidth="true" %}

```xml
<Document xmlns="urn:iso:std:iso:20022:tech:xsd:camt.054.001.02">
  <BkToCstmrDbtCdtNtfctn>
    <GrpHdr>
      <MsgId>b665a248a0254338a0a8fb53209b895b</MsgId>
      <CreDtTm>2025-07-22T13:00:02.827+01:00</CreDtTm>
    </GrpHdr>
    <Ntfctn>
      <Id>b665a248a0254338a0a8fb53209b895bGBP</Id>
      <CreDtTm>2025-07-22T13:00:02.827+01:00</CreDtTm>
      <Acct>
        <Id>
          <IBAN>GB20LHVB04031512345678</IBAN>
        </Id>
        <Ccy>GBP</Ccy>
        <Ownr>
          <Nm>Connect Demo Customer 1</Nm>
          <Id>
            <OrgId>
              <Othr>
                <Id>12345678998</Id>
              </Othr>
            </OrgId>
          </Id>
        </Ownr>
        <Svcr>
          <FinInstnId>
            <BIC>LHVBGB2L</BIC>
            <Nm>LHV BANK LIMITED</Nm>
            <PstlAdr>
              <AdrTp>BIZZ</AdrTp>
              <StrtNm>Angel Court</StrtNm>
              <BldgNb>1</BldgNb>
              <PstCd>EC2R 7HJ</PstCd>
              <TwnNm>London</TwnNm>
              <Ctry>GB</Ctry>
            </PstlAdr>
          </FinInstnId>
        </Svcr>
      </Acct>
      <Ntry>
        <NtryRef>1</NtryRef>
        <Amt Ccy="GBP">1.00</Amt>
        <CdtDbtInd>DBIT</CdtDbtInd>
        <RvslInd>false</RvslInd>
        <Sts>BOOK</Sts>
        <BookgDt>
          <Dt>2025-07-22</Dt>
        </BookgDt>
        <ValDt>
          <DtTm>2025-07-22T13:00:02.239+01:00</DtTm>
        </ValDt>
        <AcctSvcrRef>58BFF71612C34546BD2E6AD24542D017</AcctSvcrRef>
        <BkTxCd>
          <Domn>
            <Cd>PMNT</Cd>
            <Fmly>
              <Cd>ICDT</Cd>
              <SubFmlyCd>OTHR</SubFmlyCd>
            </Fmly>
          </Domn>
          <Prtry>
            <Cd>FAST</Cd>
          </Prtry>
        </BkTxCd>
        <NtryDtls>
          <TxDtls>
            <Refs>
              <AcctSvcrRef>58BFF71612C34546BD2E6AD24542D017</AcctSvcrRef>
              <PmtInfId>PmtInfId2507223</PmtInfId>
              <InstrId>InstrId2507222</InstrId>
              <EndToEndId>EndToEndId2507222</EndToEndId>
            </Refs>
            <AmtDtls>
              <InstdAmt>
                <Amt Ccy="GBP">1.00</Amt>
              </InstdAmt>
              <TxAmt>
                <Amt Ccy="GBP">1.00</Amt>
              </TxAmt>
            </AmtDtls>
            <RltdPties>
              <UltmtDbtr>
                <Nm>Mary Smith</Nm>
              </UltmtDbtr>
              <Cdtr>
                <Nm>Michael Smith</Nm>
              </Cdtr>
              <CdtrAcct>
                <Id>
                  <IBAN>GB32BUKB20201755555555</IBAN>
                </Id>
              </CdtrAcct>
            </RltdPties>
            <RmtInf>
              <Strd>
                <CdtrRefInf>
                  <Tp>
                    <CdOrPrtry>
                      <Cd>SCOR</Cd>
                    </CdOrPrtry>
                  </Tp>
                  <Ref>2507223</Ref>
                </CdtrRefInf>
              </Strd>
            </RmtInf>
          </TxDtls>
        </NtryDtls>
      </Ntry>
    </Ntfctn>
  </BkToCstmrDbtCdtNtfctn>
</Document>
```

{% endcode %}
{% endtab %}
{% endtabs %}