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

Payment Response 2

Transaction Notification