# Payment in Manual Review

Payments are subject to sanctions screening and data quality checks. In some cases, manual intervention may be required. When this occurs, a pain.002 with status PDNG is sent after the initial pain.002 with status ACSP.

Following manual intervention, the payment may be cancelled, in which case a third pain.002 with status RJCT is sent. If the payment is approved and processed, a pain.002 with status ACSC is sent, followed by the camt.054 credit-debit notification.

Sending a PDNG pain.002 in case of AML screening hits is optional. Relationship Managers should be informed if PDNG messages are required when payments are held in AML controls.

{% 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>LHV-20250930T143012Z-012</MsgId>
            <CreDtTm>2025-09-30T13:39:03.252Z</CreDtTm>
            <NbOfTxs>1</NbOfTxs>
            <CtrlSum>1.00</CtrlSum>
            <InitgPty>
                <Id>
                    <OrgId>
                        <AnyBIC>LHVBGB2LXXX</AnyBIC>
                    </OrgId>
                </Id>
            </InitgPty>
        </GrpHdr>
        <PmtInf>
            <PmtInfId>PmtInfId3009202512</PmtInfId>
            <PmtMtd>TRF</PmtMtd>
            <BtchBookg>false</BtchBookg>
            <NbOfTxs>1</NbOfTxs>
            <CtrlSum>1.00</CtrlSum>
            <ReqdExctnDt>
                <Dt>2025-09-30</Dt>
            </ReqdExctnDt>
            <Dbtr>
                <Nm>Connect Demo Customer 1</Nm>
            </Dbtr>
            <DbtrAcct>
                <Id>
                    <IBAN>GB20LHVB04031512345678</IBAN>
                </Id>
            </DbtrAcct>
            <DbtrAgt>
                <FinInstnId>
                    <BICFI>LHVBGB2LXXX</BICFI>
                </FinInstnId>
            </DbtrAgt>
            <CdtTrfTxInf>
                <PmtId>
                    <InstrId>InstrId3009202512</InstrId>
                    <EndToEndId>EndToEndId3009202512</EndToEndId>
                </PmtId>
                <PmtTpInf>
                    <SvcLvl>
                        <Prtry>ALL</Prtry>
                    </SvcLvl>
                </PmtTpInf>
                <Amt>
                    <InstdAmt Ccy="GBP">1.00</InstdAmt>
                </Amt>
                <Cdtr>
                    <Nm>Robba Bank</Nm>
                    <PstlAdr>
                        <StrtNm>Threadneedle Street</StrtNm>
                        <BldgNb>1</BldgNb>
                        <PstCd>EC2R8AH</PstCd>
                        <TwnNm>London</TwnNm>
                        <Ctry>GB</Ctry>
                    </PstlAdr>
                </Cdtr>
                <CdtrAcct>
                    <Id>
                        <Othr>
                            <Id>20201555555555</Id>
                            <SchmeNm>
                                <Cd>BBAN</Cd>
                            </SchmeNm>
                        </Othr>
                    </Id>
                </CdtrAcct>
                <RmtInf>
                    <Strd>
                        <CdtrRefInf>
                            <Tp>
                                <CdOrPrtry>
                                    <Cd>SCOR</Cd>
                                </CdOrPrtry>
                            </Tp>
                            <Ref>202509201</Ref>
                        </CdtrRefInf>
                    </Strd>
                </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">
  <CstmrPmtStsRpt>
    <GrpHdr>
      <MsgId>1000230972</MsgId>
      <CreDtTm>2025-09-30T13:40:20.428+01:00</CreDtTm>
      <InitgPty>
        <Id>
          <OrgId>
            <AnyBIC>LHVBGB2LXXX</AnyBIC>
          </OrgId>
        </Id>
      </InitgPty>
    </GrpHdr>
    <OrgnlGrpInfAndSts>
      <OrgnlMsgId>LHV-20250930T143012Z-012</OrgnlMsgId>
      <OrgnlMsgNmId>pain.001.001.09</OrgnlMsgNmId>
      <GrpSts>ACSP</GrpSts>
    </OrgnlGrpInfAndSts>
    <OrgnlPmtInfAndSts>
      <OrgnlPmtInfId>PmtInfId3009202512</OrgnlPmtInfId>
      <PmtInfSts>ACSP</PmtInfSts>
      <TxInfAndSts>
        <OrgnlInstrId>InstrId3009202512</OrgnlInstrId>
        <TxSts>ACSP</TxSts>
        <AcctSvcrRef>934FA5DCB8D14BE8B0EE5DFBC8858E30</AcctSvcrRef>
        <OrgnlTxRef>
          <Amt>
            <InstdAmt Ccy="GBP">1.00</InstdAmt>
          </Amt>
          <ReqdExctnDt>
            <Dt>2025-09-30</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>Robba Bank</Nm>
            </Pty>
          </Cdtr>
          <CdtrAcct>
            <Id>
              <Othr>
                <Id>20201555555555</Id>
              </Othr>
            </Id>
          </CdtrAcct>
        </OrgnlTxRef>
      </TxInfAndSts>
    </OrgnlPmtInfAndSts>
  </CstmrPmtStsRpt>
</Document>
```

{% endtab %}

{% tab title="Payment Response 2" %}
Second pain.002.001.10 with Pending (PDNG) 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>1000230973</MsgId>
      <CreDtTm>2025-09-30T13:40:21.787+01:00</CreDtTm>
      <InitgPty>
        <Id>
          <OrgId>
            <AnyBIC>LHVBGB2LXXX</AnyBIC>
          </OrgId>
        </Id>
      </InitgPty>
    </GrpHdr>
    <OrgnlGrpInfAndSts>
      <OrgnlMsgId>LHV-20250930T143012Z-012</OrgnlMsgId>
      <OrgnlMsgNmId>pain.001.001.09</OrgnlMsgNmId>
    </OrgnlGrpInfAndSts>
    <OrgnlPmtInfAndSts>
      <OrgnlPmtInfId>PmtInfId3009202512</OrgnlPmtInfId>
      <TxInfAndSts>
        <OrgnlInstrId>InstrId3009202512</OrgnlInstrId>
        <TxSts>PDNG</TxSts>
        <StsRsnInf>
          <Rsn>
            <Cd>NARR</Cd>
          </Rsn>
          <AddtlInf>In manual review</AddtlInf>
        </StsRsnInf>
        <AcctSvcrRef>934FA5DCB8D14BE8B0EE5DFBC8858E30</AcctSvcrRef>
        <OrgnlTxRef>
          <Amt>
            <InstdAmt Ccy="GBP">1.00</InstdAmt>
          </Amt>
          <ReqdExctnDt>
            <Dt>2025-09-30</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>Robba Bank</Nm>
            </Pty>
          </Cdtr>
          <CdtrAcct>
            <Id>
              <Othr>
                <Id>20201555555555</Id>
              </Othr>
            </Id>
          </CdtrAcct>
        </OrgnlTxRef>
      </TxInfAndSts>
    </OrgnlPmtInfAndSts>
  </CstmrPmtStsRpt>
</Document>
```

{% endtab %}
{% endtabs %}


---

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