# LHV Bank Internal Payment

Internal payment initiation starts with sending pain.001 message containing the payment request. In this context, **an internal payment refers to a transfer between two accounts held within LHV Bank**. This example illustrates a single transaction scenario, where the pain.001 message includes only one payment instruction. 

Once received, the system validates the message for correctness and returns an initial pain.002 response indicating whether the payment was accepted for processing. If accepted, the payment is processed internally. Upon completion, a second pain.002 message is generated to confirm that the payment has been fully executed. Finally, a camt.054 credit-debit notification is issued to reflect the booking on the account.

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

```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>50136</MsgId>
      <CreDtTm>2025-05-27T12:00:00Z</CreDtTm>
      <NbOfTxs>1</NbOfTxs>
      <CtrlSum>1.00</CtrlSum>
      <InitgPty>
        <Nm>Connect Demo Customer 1</Nm>
      </InitgPty>
    </GrpHdr>
    <PmtInf>
      <PmtInfId>PmtInfId50136</PmtInfId>
      <PmtMtd>TRF</PmtMtd>
      <BtchBookg>false</BtchBookg>
      <NbOfTxs>1</NbOfTxs>
      <CtrlSum>1.00</CtrlSum>
      <ReqdExctnDt>
        <Dt>2025-05-27</Dt>
      </ReqdExctnDt>
      <Dbtr>
        <Nm>Connect Demo Customer 1</Nm>
      </Dbtr>
      <DbtrAcct>
        <Id>
          <IBAN>GB20LHVB04031512345678</IBAN>
        </Id>
      </DbtrAcct>
      <DbtrAgt>
        <FinInstnId>
          <BICFI>LHVBGB2L</BICFI>
        </FinInstnId>
      </DbtrAgt>
      <ChrgBr>SHAR</ChrgBr>
      <CdtTrfTxInf>
        <PmtId>
          <InstrId>InstrId50136</InstrId>
          <EndToEndId>EndToEndId50136</EndToEndId>
        </PmtId>
        <Amt>
          <InstdAmt Ccy="GBP">1.00</InstdAmt>
        </Amt>
        <ChrgBr>SHAR</ChrgBr>
        <Cdtr>
          <Nm>Connect Demo Customer 2</Nm>
        </Cdtr>
        <CdtrAcct>
          <Id>
            <IBAN>GB20LHVB04031512345679</IBAN>
          </Id>
        </CdtrAcct>
        <RmtInf>
          <Ustrd>Payment Description</Ustrd>
        </RmtInf>
      </CdtTrfTxInf>
    </PmtInf>
  </CstmrCdtTrfInitn>
</Document>
```

{% 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"
          xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"
          xsi:schemaLocation="urn:iso:std:iso:20022:tech:xsd:pain.002.001.10 ../XSD/pain.002.001.10.xsd">
  <CstmrPmtStsRpt>
    <GrpHdr>
      <MsgId>1000185802</MsgId>
      <CreDtTm>2025-05-27T12:01:00Z</CreDtTm>
      <InitgPty>
        <Id>
          <OrgId>
            <AnyBIC>LHVBGB2LXXX</AnyBIC>
          </OrgId>
        </Id>
      </InitgPty>
    </GrpHdr>
    <OrgnlGrpInfAndSts>
      <OrgnlMsgId>50136</OrgnlMsgId>
      <OrgnlMsgNmId>pain.001.001.09</OrgnlMsgNmId>
      <GrpSts>ACSP</GrpSts>
    </OrgnlGrpInfAndSts>
    <OrgnlPmtInfAndSts>
      <OrgnlPmtInfId>PmtInfId50136</OrgnlPmtInfId>
      <PmtInfSts>ACSP</PmtInfSts>
      <TxInfAndSts>
        <OrgnlInstrId>InstrId50136</OrgnlInstrId>
        <TxSts>ACSP</TxSts>
        <AcctSvcrRef>A38614C2C67048C3B279DBA46BE675A6</AcctSvcrRef>
        <OrgnlTxRef>
          <Amt>
            <InstdAmt Ccy="GBP">1.00</InstdAmt>
          </Amt>
          <ReqdExctnDt>
            <Dt>2025-05-27</Dt>
          </ReqdExctnDt>
          <Dbtr>
            <Pty>
              <Nm>Connect Demo Customer 1</Nm>
            </Pty>
          </Dbtr>
          <DbtrAcct>
            <Id>
              <IBAN>GB20LHVB04031512345678</IBAN>
            </Id>
          </DbtrAcct>
          <DbtrAgt>
            <FinInstnId>
              <BIC>LHVBGB2LXXX</BIC>
            </FinInstnId>
          </DbtrAgt>
          <CdtrAgt>
            <FinInstnId>
              <BIC>LHVBGB2LXXX</BIC>
            </FinInstnId>
          </CdtrAgt>
          <Cdtr>
            <Pty>
              <Nm>Connect Demo Customer 2</Nm>
            </Pty>
          </Cdtr>
          <CdtrAcct>
            <Id>
              <IBAN>GB20LHVB04031512345679</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"
          xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"
          xsi:schemaLocation="urn:iso:std:iso:20022:tech:xsd:pain.002.001.10 ../XSD/pain.002.001.10.xsd">
  <CstmrPmtStsRpt>
    <GrpHdr>
      <MsgId>1000185884</MsgId>
      <CreDtTm>2025-05-27T12:02:00Z</CreDtTm>
      <InitgPty>
        <Id>
          <OrgId>
            <AnyBIC>LHVBGB2LXXX</AnyBIC>
          </OrgId>
        </Id>
      </InitgPty>
    </GrpHdr>
    <OrgnlGrpInfAndSts>
      <OrgnlMsgId>50136</OrgnlMsgId>
      <OrgnlMsgNmId>pain.001.001.09</OrgnlMsgNmId>
    </OrgnlGrpInfAndSts>
    <OrgnlPmtInfAndSts>
      <OrgnlPmtInfId>PmtInfId50136</OrgnlPmtInfId>
      <TxInfAndSts>
        <OrgnlInstrId>InstrId50136</OrgnlInstrId>
        <TxSts>ACSC</TxSts>
        <AcctSvcrRef>A38614C2C67048C3B279DBA46BE675A6</AcctSvcrRef>
        <OrgnlTxRef>
          <Amt>
            <InstdAmt Ccy="GBP">1.00</InstdAmt>
          </Amt>
          <ReqdExctnDt>
            <Dt>2025-05-27</Dt>
          </ReqdExctnDt>
          <PmtTpInf>
            <SvcLvl>
              <Prtry>INTERNAL</Prtry>
            </SvcLvl>
          </PmtTpInf>
          <Dbtr>
            <Pty>
              <Nm>Connect Demo Customer 1</Nm>
            </Pty>
          </Dbtr>
          <DbtrAcct>
            <Id>
              <IBAN>GB20LHVB04031512345678</IBAN>
            </Id>
          </DbtrAcct>
          <DbtrAgt>
            <FinInstnId>
              <BICFI>LHVBGB2LXXX</BICFI>
            </FinInstnId>
          </DbtrAgt>
          <CdtrAgt>
            <FinInstnId>
              <BICFI>LHVBGB2LXXX</BICFI>
            </FinInstnId>
          </CdtrAgt>
          <Cdtr>
            <Pty>
              <Nm>Connect Demo Customer 2</Nm>
            </Pty>
          </Cdtr>
          <CdtrAcct>
            <Id>
              <IBAN>GB20LHVB04031512345679</IBAN>
            </Id>
          </CdtrAcct>
        </OrgnlTxRef>
      </TxInfAndSts>
    </OrgnlPmtInfAndSts>
  </CstmrPmtStsRpt>
</Document>
```

{% endtab %}

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

```xml
<?xml version="1.0" encoding="UTF-8"?>
<Document xmlns="urn:iso:std:iso:20022:tech:xsd:camt.054.001.02">
  <BkToCstmrDbtCdtNtfctn>
    <GrpHdr>
      <MsgId>50136-debit</MsgId>
      <CreDtTm>2025-05-27T12:03:00Z</CreDtTm>
    </GrpHdr>
    <Ntfctn>
      <Id>50136-debit-GBP</Id>
      <CreDtTm>2025-05-27T12:03:00Z</CreDtTm>
      <Acct>
        <Id>
          <IBAN>GB20LHVB04031512345678</IBAN>
        </Id>
        <Ccy>GBP</Ccy>
        <Ownr>
          <Nm>Connect Demo Customer 1</Nm>
          <Id>
            <OrgId>
              <Othr>
                <Id>12345678889</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>2025-05-27</Dt>
        </BookgDt>
        <ValDt>
          <DtTm>2025-05-27T12:00:00Z</DtTm>
        </ValDt>
        <AcctSvcrRef>A38614C2C67048C3B279DBA46BE675A6</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>2AACD1F495BC4CDE95A164EFAB70145B</AcctSvcrRef>
              <PmtInfId>PmtInfId50136</PmtInfId>
              <InstrId>InstrId50136</InstrId>
              <EndToEndId>EndToEndId50136</EndToEndId>
            </Refs>
            <AmtDtls>
              <InstdAmt>
                <Amt Ccy="GBP">1.00</Amt>
              </InstdAmt>
              <TxAmt>
                <Amt Ccy="GBP">1.00</Amt>
              </TxAmt>
            </AmtDtls>
            <RltdPties>
              <Dbtr>
                <Nm>Connect Demo Customer 1</Nm>
                <Id>
                  <OrgId>
                    <Othr>
                      <Id>12345678889</Id>
                      <SchmeNm>
                        <Cd>COID</Cd>
                      </SchmeNm>
                    </Othr>
                  </OrgId>
                </Id>
              </Dbtr>
              <Cdtr>
                <Nm>Connect Demo Customer 2</Nm>
              </Cdtr>
              <CdtrAcct>
                <Id>
                  <IBAN>GB20LHVB04031512345679</IBAN>
                </Id>
              </CdtrAcct>
            </RltdPties>
            <RltdAgts>
              <CdtrAgt>
                <FinInstnId>
                  <BIC>LHVBGB2LXXX</BIC>
                  <Nm>LHV BANK LIMITED</Nm>
                </FinInstnId>
              </CdtrAgt>
            </RltdAgts>
            <RmtInf>
              <Ustrd>Payment Description</Ustrd>
            </RmtInf>
          </TxDtls>
        </NtryDtls>
      </Ntry>
    </Ntfctn>
  </BkToCstmrDbtCdtNtfctn>
</Document>
```

{% endtab %}
{% endtabs %}


---

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