# Multiple Payments in One File

This example illustrates a multi-payment scenario, where the pain.001 message contains three separate payment instructions to different creditors. Each payment may differ in type (payment scheme)—for example, a domestic transfer, a SEPA Instant payment, or a group payment to an account at LHV Pank.

Once the payment request is received, the system performs validation on both the message and each individual transaction. An initial pain.002 response is generated to confirm whether the file and its instructions have been accepted for processing. If accepted, the payments proceed individually. Any rejected transactions are excluded from further processing.

After execution, a second pain.002 message is issued to report the settlement status of each instruction. Final account-level updates are reflected through camt.054 credit-debit notifications.

{% 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>501391</MsgId>
      <CreDtTm>2025-05-27T12:00:00Z</CreDtTm>
      <NbOfTxs>3</NbOfTxs>
      <CtrlSum>1.50</CtrlSum>
      <InitgPty>
        <Nm>Connect Demo Customer 1</Nm>
      </InitgPty>
    </GrpHdr>
    <PmtInf>
      <PmtInfId>PmtInfId50131</PmtInfId>
      <PmtMtd>TRF</PmtMtd>
      <BtchBookg>false</BtchBookg>
      <NbOfTxs>3</NbOfTxs>
      <CtrlSum>1.50</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> <!-- Payment 1 -->
        <PmtId>
          <InstrId>InstrId50131-1</InstrId>
          <EndToEndId>EndToEndId50131-1</EndToEndId>
        </PmtId>
        <Amt>
          <InstdAmt Ccy="GBP">0.50</InstdAmt>
        </Amt>
        <ChrgBr>SHAR</ChrgBr>
        <Cdtr>
          <Nm>John Smith</Nm>
        </Cdtr>
        <CdtrAcct>
          <Id>
            <Othr>
              <Id>20201555555555</Id>
              <SchmeNm>
                <Cd>BBAN</Cd>
              </SchmeNm>
            </Othr>
          </Id>
        </CdtrAcct>
        <RmtInf>
          <Ustrd>Payment Description Faster Payment</Ustrd>
        </RmtInf>
      </CdtTrfTxInf> <!-- Payment 2 -->
      <CdtTrfTxInf>
        <PmtId>
          <InstrId>InstrId50131-2</InstrId>
          <EndToEndId>EndToEndId50131-2</EndToEndId>
        </PmtId>
        <PmtTpInf>
          <SvcLvl>
            <Prtry>INST</Prtry>
          </SvcLvl>
        </PmtTpInf>
        <Amt>
          <InstdAmt Ccy="EUR">0.50</InstdAmt>
        </Amt>
        <ChrgBr>SHAR</ChrgBr>
        <CdtrAgt>
          <FinInstnId>
            <BICFI>CAIXESBBXXX</BICFI>
          </FinInstnId>
        </CdtrAgt>
        <Cdtr>
          <Nm>Katie Bell</Nm>
        </Cdtr>
        <CdtrAcct>
          <Id>
            <IBAN>ES9121000418450200051332</IBAN>
          </Id>
        </CdtrAcct>
        <RmtInf>
          <Ustrd>Payment Description Payment 2</Ustrd>
        </RmtInf>
      </CdtTrfTxInf> <!-- Payment 3 -->
      <CdtTrfTxInf>
        <PmtId>
          <InstrId>InstrId50131-3</InstrId>
          <EndToEndId>EndToEndId50131-3</EndToEndId>
        </PmtId>
        <Amt>
          <InstdAmt Ccy="GBP">0.50</InstdAmt>
        </Amt>
        <ChrgBr>SHAR</ChrgBr>
        <CdtrAgt>
          <FinInstnId>
            <BICFI>LHVBEE22XXX</BICFI>
          </FinInstnId>
        </CdtrAgt>
        <Cdtr>
          <Nm>Martin Kask</Nm>
        </Cdtr>
        <CdtrAcct>
          <Id>
            <IBAN>EE127700771000681761</IBAN>
          </Id>
        </CdtrAcct>
        <RmtInf>
          <Ustrd>Payment Description Payment 3</Ustrd>
        </RmtInf>
      </CdtTrfTxInf>
    </PmtInf>
  </CstmrCdtTrfInitn>
</Document>
```

{% endcode %}
{% endtab %}

{% tab title="Payment Response 1" %}
Initial pain.002.001.10 response is returned with the group status set to Partially Accepted (PART), indicating that one payment instruction was rejected, while two were accepted for processing (Accepted Settlement in Process, ACSP).

{% code overflow="wrap" %}

```xml
<?xml version='1.0' encoding='UTF-8'?>
<Document xmlns="urn:iso:std:iso:20022:tech:xsd:pain.002.001.10">
  <CstmrPmtStsRpt>
    <GrpHdr>
      <MsgId>1000194740</MsgId>
      <CreDtTm>2025-06-20T09:21:04.515+01:00</CreDtTm>
      <InitgPty>
        <Id>
          <OrgId>
            <AnyBIC>LHVBGB2LXXX</AnyBIC>
          </OrgId>
        </Id>
      </InitgPty>
    </GrpHdr>
    <OrgnlGrpInfAndSts>
      <OrgnlMsgId>50138</OrgnlMsgId>
      <OrgnlMsgNmId>pain.001.001.09</OrgnlMsgNmId>
      <GrpSts>PART</GrpSts>
    </OrgnlGrpInfAndSts>
    <OrgnlPmtInfAndSts>
      <OrgnlPmtInfId>PmtInfId50131</OrgnlPmtInfId>
      <PmtInfSts>PART</PmtInfSts>
      <TxInfAndSts>
        <OrgnlInstrId>InstrId50131-1</OrgnlInstrId>
        <TxSts>RJCT</TxSts>
        <StsRsnInf>
          <Rsn>
            <Cd>NARR</Cd>
          </Rsn>
          <AddtlInf>Reference number missing or does not meet beneficiary specified format.</AddtlInf>
        </StsRsnInf>
        <AcctSvcrRef>A1BF18D38D1345B2ACB691DDA2D9756B</AcctSvcrRef>
        <OrgnlTxRef>
          <EndToEndId>EndToEndId50131-1</EndToEndId><Amt>
            <InstdAmt Ccy="GBP">0.50</InstdAmt>
          </Amt>
          <ReqdExctnDt>
            <Dt>2025-06-21</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/>
          </DbtrAgt>
          <CdtrAgt>
            <FinInstnId/>
          </CdtrAgt>
          <Cdtr>
            <Pty>
              <Nm>John Smith</Nm>
            </Pty>
          </Cdtr>
          <CdtrAcct>
            <Id>
              <Othr>
                <Id>20201555555555</Id>
              </Othr>
            </Id>
          </CdtrAcct>
        </OrgnlTxRef>
      </TxInfAndSts>
      <TxInfAndSts>
        <OrgnlInstrId>InstrId50131-2</OrgnlInstrId>
        <TxSts>ACSP</TxSts>
        <AcctSvcrRef>9A2A28A9934B41C98A46CF84086CABFC</AcctSvcrRef>
        <OrgnlTxRef>
          <EndToEndId>EndToEndId50131-2</EndToEndId><Amt>
            <InstdAmt Ccy="EUR">0.50</InstdAmt>
          </Amt>
          <ReqdExctnDt>
            <Dt>2025-06-21</Dt>
          </ReqdExctnDt>
          <PmtTpInf>
            <SvcLvl>
              <Prtry>INST</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>
              <BICFI>CAIXESBB</BICFI>
            </FinInstnId>
          </CdtrAgt>
          <Cdtr>
            <Pty>
              <Nm>Katie Bell</Nm>
            </Pty>
          </Cdtr>
          <CdtrAcct>
            <Id>
              <IBAN>ES9121000418450200051332</IBAN>
            </Id>
          </CdtrAcct>
        </OrgnlTxRef>
      </TxInfAndSts>
      <TxInfAndSts>
        <OrgnlInstrId>InstrId50131-3</OrgnlInstrId>
        <TxSts>ACSP</TxSts>
        <AcctSvcrRef>80D915D2DA0B49529219869846C8FBF9</AcctSvcrRef>
        <OrgnlTxRef>
          <EndToEndId>EndToEndId50131-3</EndToEndId><Amt>
            <InstdAmt Ccy="GBP">0.50</InstdAmt>
          </Amt>
          <ReqdExctnDt>
            <Dt>2025-06-21</Dt>
          </ReqdExctnDt>
          <PmtTpInf>
            <SvcLvl>
              <Prtry>GROUP</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>
              <BICFI>LHVBEE22</BICFI>
            </FinInstnId>
          </CdtrAgt>
          <Cdtr>
            <Pty>
              <Nm>Martin Kask</Nm>
            </Pty>
          </Cdtr>
          <CdtrAcct>
            <Id>
              <IBAN>EE127700771000681761</IBAN>
            </Id>
          </CdtrAcct>
        </OrgnlTxRef>
      </TxInfAndSts>
    </OrgnlPmtInfAndSts>
  </CstmrPmtStsRpt>
</Document>

```

{% endcode %}

{% code overflow="wrap" %}

```xml
```

{% endcode %}
{% endtab %}

{% tab title="Payment Response 2" %}
Second pain.002.001.10 message is returned with the status Accepted Settlement Completed (ACSC) for one of the payments in the original request file.

Similar response messages are issued for the remaining payment as its processing completes—provided it does not fail at a later stage.

{% code overflow="wrap" %}

```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>1000194741</MsgId>
            <CreDtTm>2025-06-20T11:19:00.304+01:00</CreDtTm>
            <InitgPty>
                <Id>
                    <OrgId>
                        <AnyBIC>LHVBGB2LXXX</AnyBIC>
                    </OrgId>
                </Id>
            </InitgPty>
        </GrpHdr>
        <OrgnlGrpInfAndSts>
            <OrgnlMsgId>501391</OrgnlMsgId>
            <OrgnlMsgNmId>pain.001.001.09</OrgnlMsgNmId>
        </OrgnlGrpInfAndSts>
        <OrgnlPmtInfAndSts>
            <OrgnlPmtInfId>PmtInfId50131</OrgnlPmtInfId>
            <TxInfAndSts>
                <OrgnlInstrId>InstrId50131-3</OrgnlInstrId>
                <TxSts>ACSC</TxSts>
                <AcctSvcrRef>842851A6EC204082A947E08D4E1A373C</AcctSvcrRef>
                <OrgnlTxRef>
                    <Amt>
                        <InstdAmt Ccy="GBP">0.50</InstdAmt>
                    </Amt>
                    <ReqdExctnDt>
                        <Dt>2025-06-20</Dt>
                    </ReqdExctnDt>
                    <PmtTpInf>
                        <SvcLvl>
                            <Prtry>GROUP</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>
                            <BICFI>LHVBEE22</BICFI>
                        </FinInstnId>
                    </CdtrAgt>
                    <Cdtr>
                        <Pty>
                            <Nm>Martin Kask</Nm>
                        </Pty>
                    </Cdtr>
                    <CdtrAcct>
                        <Id>
                            <IBAN>EE127700771000681761</IBAN>
                        </Id>
                    </CdtrAcct>
                </OrgnlTxRef>
            </TxInfAndSts>
        </OrgnlPmtInfAndSts>
    </CstmrPmtStsRpt>
</Document>
```

{% endcode %}
{% endtab %}

{% tab title="Transaction Notification" %}
Debit notification, camt.054.001.02, for one of the payments.

```xml
<Document xmlns="urn:iso:std:iso:20022:tech:xsd:camt.054.001.02">
  <BkToCstmrDbtCdtNtfctn>
    <GrpHdr>
      <MsgId>2f7b427dd7e9483dbab2cea1bf961344</MsgId>
      <CreDtTm>2025-06-20T11:18:31.095+01:00</CreDtTm>
    </GrpHdr>
    <Ntfctn>
      <Id>2f7b427dd7e9483dbab2cea1bf961344GBP</Id>
      <CreDtTm>2025-06-20T11:18:31.095+01:00</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">0.50</Amt>
        <CdtDbtInd>DBIT</CdtDbtInd>
        <RvslInd>false</RvslInd>
        <Sts>BOOK</Sts>
        <BookgDt>
          <Dt>2025-06-20</Dt>
        </BookgDt>
        <ValDt>
          <DtTm>2025-06-20T11:18:30.787+01:00</DtTm>
        </ValDt>
        <AcctSvcrRef>842851A6EC204082A947E08D4E1A373C</AcctSvcrRef>
        <BkTxCd>
          <Domn>
            <Cd>PMNT</Cd>
            <Fmly>
              <Cd>ICDT</Cd>
              <SubFmlyCd>OTHR</SubFmlyCd>
            </Fmly>
          </Domn>
          <Prtry>
            <Cd>GROUP</Cd>
          </Prtry>
        </BkTxCd>
        <NtryDtls>
          <TxDtls>
            <Refs>
              <AcctSvcrRef>842851A6EC204082A947E08D4E1A373C</AcctSvcrRef>
              <PmtInfId>PmtInfId50131</PmtInfId>
              <InstrId>InstrId50131-3</InstrId>
              <EndToEndId>EndToEndId50131-3</EndToEndId>
            </Refs>
            <AmtDtls>
              <InstdAmt>
                <Amt Ccy="GBP">0.50</Amt>
              </InstdAmt>
              <TxAmt>
                <Amt Ccy="GBP">0.50</Amt>
              </TxAmt>
            </AmtDtls>
            <RltdPties>
              <Cdtr>
                <Nm>Martin Kask</Nm>
              </Cdtr>
              <CdtrAcct>
                <Id>
                  <IBAN>EE127700771000681761</IBAN>
                </Id>
              </CdtrAcct>
            </RltdPties>
            <RltdAgts>
              <CdtrAgt>
                <FinInstnId>
                  <BIC>LHVBEE22XXX</BIC>
                  <Nm>AS LHV PANK</Nm>
                </FinInstnId>
              </CdtrAgt>
            </RltdAgts>
            <RmtInf>
              <Ustrd>Payment Description Payment 3</Ustrd>
            </RmtInf>
          </TxDtls>
        </NtryDtls>
      </Ntry>
    </Ntfctn>
  </BkToCstmrDbtCdtNtfctn>
</Document>
```

{% endtab %}
{% endtabs %}


---

# 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/payments/payment-examples/multiple-payments-in-one-file.md?ask=<question>
```

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.