# Use Case 1: PSP’s Payment

The PSP initiates payments from its own account held with LHV. See the PDF for more details on the flow.

{% file src="<https://2266620947-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FHGywduAxJuxV3reZhASh%2Fuploads%2Fp9k01TGye7QGii2ob4mf%2FUse%20case%201%20PSP%20Payment.pdf?alt=media&token=dbceb056-8ba6-4b81-843c-69dac01a75a5>" %}

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

{% code overflow="wrap" %}

```xml
<Document xmlns="urn:iso:std:iso:20022:tech:xsd:pain.001.001.09"
    xmlns:ext="urn:iso:std:iso:20022:tech:xsd:supl.001.001.01"
    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
                        urn:iso:std:iso:20022:tech:xsd:supl.001.001.01 ../../XSD/supl.001.001.01.xsd">
    <CstmrCdtTrfInitn>
        <GrpHdr>
            <MsgId>LHV-20250818T143012Z-002</MsgId>
            <CreDtTm>2025-08-18T13:22:47Z</CreDtTm>
            <NbOfTxs>1</NbOfTxs>
            <CtrlSum>0.02</CtrlSum>
            <InitgPty>
                <Id>
                    <OrgId>
                        <AnyBIC>PSP1CCCCXXX</AnyBIC>
                    </OrgId>
                </Id>
            </InitgPty>
        </GrpHdr>
        <PmtInf>
            <PmtInfId>PmtInfId180820252</PmtInfId>
            <PmtMtd>TRF</PmtMtd>
            <BtchBookg>false</BtchBookg>
            <NbOfTxs>1</NbOfTxs>
            <CtrlSum>0.02</CtrlSum>
            <ReqdExctnDt>
                <Dt>2025-08-18</Dt>
            </ReqdExctnDt>
            <Dbtr>
                <Nm>Connect Demo Customer 1</Nm>
                <PstlAdr>
                    <StrtNm>Angel Ct</StrtNm>
                    <BldgNb>1</BldgNb>
                    <PstCd>EC2R7HJ</PstCd>
                    <TwnNm>London</TwnNm>
                    <Ctry>GB</Ctry>
                </PstlAdr>
                <Id>
                    <OrgId>
                        <LEI>2138UEF2191L7RQF5U40</LEI>
                    </OrgId>
                </Id>
            </Dbtr>
            <DbtrAcct>
                <Id>
                    <IBAN>GB20LHVB04031512345678</IBAN>
                </Id>
            </DbtrAcct>
            <DbtrAgt>
                <FinInstnId>
                    <BICFI>LHVBGB2LXXX</BICFI>
                </FinInstnId>
            </DbtrAgt>
            <CdtTrfTxInf>
                <PmtId>
                    <InstrId>InstrId180820252</InstrId>
                    <EndToEndId>EndToEndId180820252</EndToEndId>
                </PmtId>
                <PmtTpInf>
                    <SvcLvl>
                        <Prtry>ALL</Prtry>
                    </SvcLvl>
                </PmtTpInf>
                <Amt>
                    <InstdAmt Ccy="GBP">0.02</InstdAmt>
                </Amt>
                <Cdtr>
                    <Nm>Minerva McGonagall</Nm>
                    <PstlAdr>
                        <StrtNm>Threadneedle Street</StrtNm>
                        <BldgNb>1</BldgNb>
                        <PstCd>EC2R8AH</PstCd>
                        <TwnNm>London</TwnNm>
                        <Ctry>GB</Ctry>
                    </PstlAdr>
                </Cdtr>
                <CdtrAcct>
                    <Id>
                        <Othr>
                            <Id>20201755555555</Id>
                            <SchmeNm>
                                <Cd>BBAN</Cd>
                            </SchmeNm>
                        </Othr>
                    </Id>
                </CdtrAcct>
                <UltmtCdtr>
                    <Nm>Business Customer</Nm>
                    <PstlAdr>
                        <StrtNm>Calle de Alcalá</StrtNm>
                        <BldgNb>45</BldgNb>
                        <PstCd>28014</PstCd>
                        <TwnNm>Madrid</TwnNm>
                        <Ctry>ES</Ctry>
                    </PstlAdr>
                    <Id>
                        <OrgId>
                            <LEI>UYNG00PYTS8E6NC2M035</LEI>
                        </OrgId>
                    </Id>
                </UltmtCdtr>
                <RmtInf>
                    <Strd>
                        <CdtrRefInf>
                            <Tp>
                                <CdOrPrtry>
                                    <Cd>SCOR</Cd>
                                </CdOrPrtry>
                            </Tp>
                            <Ref>PAY-INV-20250818</Ref>
                        </CdtrRefInf>
                    </Strd>
                </RmtInf>
                <SplmtryData>
                    <Envlp>
                        <ext:Document>
                            <ext:partyData>
                                <ext:party>ULTIMATE_CREDITOR</ext:party>
                                <ext:key>DATE_OF_BIRTH</ext:key>
                                <ext:value>1980-08-24</ext:value>
                            </ext:partyData>
                        </ext:Document>
                    </Envlp>
                </SplmtryData>
            </CdtTrfTxInf>
        </PmtInf>
    </CstmrCdtTrfInitn>
</Document>
```

{% endcode %}
{% endtab %}

{% tab title="Payment Response 1" %}
Initial pain.002.001.10 with Accepted Settlement in Process (ACSP) status

{% 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>1000214130</MsgId>
            <CreDtTm>2025-08-18T14:44:12.575+01:00</CreDtTm>
            <InitgPty>
                <Id>
                    <OrgId>
                        <AnyBIC>LHVBGB2LXXX</AnyBIC>
                    </OrgId>
                </Id>
            </InitgPty>
        </GrpHdr>
        <OrgnlGrpInfAndSts>
            <OrgnlMsgId>LHV-20250818T143012Z-002</OrgnlMsgId>
            <OrgnlMsgNmId>pain.001.001.09</OrgnlMsgNmId>
            <GrpSts>ACSP</GrpSts>
        </OrgnlGrpInfAndSts>
        <OrgnlPmtInfAndSts>
            <OrgnlPmtInfId>PmtInfId180820252</OrgnlPmtInfId>
            <PmtInfSts>ACSP</PmtInfSts>
            <TxInfAndSts>
                <OrgnlInstrId>InstrId180820252</OrgnlInstrId>
                <TxSts>ACSP</TxSts>
                <AcctSvcrRef>ED862F3564B740CEAD66F896325185BF</AcctSvcrRef>
                <OrgnlTxRef>
                    <Amt>
                        <InstdAmt Ccy="GBP">0.02</InstdAmt>
                    </Amt>
                    <ReqdExctnDt>
                        <Dt>2025-08-18</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>Minerva McGonagall</Nm>
                        </Pty>
                    </Cdtr>
                    <CdtrAcct>
                        <Id>
                            <Othr>
                                <Id>20201755555555</Id>
                            </Othr>
                        </Id>
                    </CdtrAcct>
                </OrgnlTxRef>
            </TxInfAndSts>
        </OrgnlPmtInfAndSts>
    </CstmrPmtStsRpt>
</Document>
```

{% endcode %}
{% endtab %}

{% tab title="Payment Response 2" %}
Second pain.002.001.10 with Accepted Settlement Completed (ACSC) status

{% 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>1000214131</MsgId>
            <CreDtTm>2025-08-18T14:44:30.198+01:00</CreDtTm>
            <InitgPty>
                <Id>
                    <OrgId>
                        <AnyBIC>LHVBGB2LXXX</AnyBIC>
                    </OrgId>
                </Id>
            </InitgPty>
        </GrpHdr>
        <OrgnlGrpInfAndSts>
            <OrgnlMsgId>LHV-20250818T143012Z-002</OrgnlMsgId>
            <OrgnlMsgNmId>pain.001.001.09</OrgnlMsgNmId>
        </OrgnlGrpInfAndSts>
        <OrgnlPmtInfAndSts>
            <OrgnlPmtInfId>PmtInfId180820252</OrgnlPmtInfId>
            <TxInfAndSts>
                <OrgnlInstrId>InstrId180820252</OrgnlInstrId>
                <TxSts>ACSC</TxSts>
                <AcctSvcrRef>ED862F3564B740CEAD66F896325185BF</AcctSvcrRef>
                <OrgnlTxRef>
                    <Amt>
                        <InstdAmt Ccy="GBP">0.02</InstdAmt>
                    </Amt>
                    <ReqdExctnDt>
                        <Dt>2025-08-18</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>Minerva McGonagall</Nm>
                        </Pty>
                    </Cdtr>
                    <CdtrAcct>
                        <Id>
                            <Othr>
                                <Id>20201755555555</Id>
                            </Othr>
                        </Id>
                    </CdtrAcct>
                </OrgnlTxRef>
            </TxInfAndSts>
        </OrgnlPmtInfAndSts>
    </CstmrPmtStsRpt>
</Document>
```

{% endcode %}
{% endtab %}

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

{% code fullWidth="true" %}

```xml
<Document xmlns="urn:iso:std:iso:20022:tech:xsd:camt.054.001.02">
    <BkToCstmrDbtCdtNtfctn>
        <GrpHdr>
            <MsgId>4c5ca0c091f84db98546796e8d9dabc3</MsgId>
            <CreDtTm>2025-08-18T14:44:14.878+01:00</CreDtTm>
        </GrpHdr>
        <Ntfctn>
            <Id>4c5ca0c091f84db98546796e8d9dabc3GBP</Id>
            <CreDtTm>2025-08-18T14:44:14.878+01:00</CreDtTm>
            <Acct>
                <Id>
                    <IBAN>GB20LHVB04031512345678</IBAN>
                </Id>
                <Ccy>GBP</Ccy>
                <Ownr>
                    <Nm>Connect Demo Customer 1</Nm>
                    <Id>
                        <OrgId>
                            <Othr>
                                <Id>13245678</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">0.02</Amt>
                <CdtDbtInd>DBIT</CdtDbtInd>
                <RvslInd>false</RvslInd>
                <Sts>BOOK</Sts>
                <BookgDt>
                    <Dt>2025-08-18</Dt>
                </BookgDt>
                <ValDt>
                    <DtTm>2025-08-18T14:44:14.700+01:00</DtTm>
                </ValDt>
                <AcctSvcrRef>ED862F3564B740CEAD66F896325185BF</AcctSvcrRef>
                <BkTxCd>
                    <Domn>
                        <Cd>PMNT</Cd>
                        <Fmly>
                            <Cd>ICDT</Cd>
                            <SubFmlyCd>OTHR</SubFmlyCd>
                        </Fmly>
                    </Domn>
                    <Prtry>
                        <Cd>FAST</Cd>
                    </Prtry>
                </BkTxCd>
                <NtryDtls>
                    <TxDtls>
                        <Refs>
                            <AcctSvcrRef>ED862F3564B740CEAD66F896325185BF</AcctSvcrRef>
                            <PmtInfId>PmtInfId180820252</PmtInfId>
                            <InstrId>InstrId180820252</InstrId>
                            <EndToEndId>EndToEndId180820252</EndToEndId>
                        </Refs>
                        <AmtDtls>
                            <InstdAmt>
                                <Amt Ccy="GBP">0.02</Amt>
                            </InstdAmt>
                            <TxAmt>
                                <Amt Ccy="GBP">0.02</Amt>
                            </TxAmt>
                        </AmtDtls>
                        <RltdPties>
                            <Cdtr>
                                <Nm>Minerva McGonagall</Nm>
                            </Cdtr>
                            <CdtrAcct>
                                <Id>
                                    <Othr>
                                        <Id>20201755555555</Id>
                                    </Othr>
                                </Id>
                            </CdtrAcct>
                            <UltmtCdtr>
                                <Nm>Business Customer</Nm>
                            </UltmtCdtr>
                        </RltdPties>
                        <RmtInf>
                            <Strd>
                                <CdtrRefInf>
                                    <Tp>
                                        <CdOrPrtry>
                                            <Cd>SCOR</Cd>
                                        </CdOrPrtry>
                                    </Tp>
                                    <Ref>PAY-INV-20250818</Ref>
                                </CdtrRefInf>
                            </Strd>
                        </RmtInf>
                    </TxDtls>
                </NtryDtls>
            </Ntry>
        </Ntfctn>
    </BkToCstmrDbtCdtNtfctn>
</Document>
```

{% endcode %}
{% endtab %}
{% endtabs %}