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.

Payment Request

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>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>

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).

<?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>

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.

<?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>

Transaction Notification

Debit notification, camt.054.001.02, for one of the payments.

<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>