> For the complete documentation index, see [llms.txt](https://docs.lhv.com/home/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.lhv.com/home/connect/services/payments/payment-examples/payment-service-provider-use-cases/use-case-2-psps-client-payment.md).

# Use Case 2: PSP’s Client Payment

PSP1 initiates payments on behalf of its end customer, who is a client of PSP1. See the PDF for more details on the flow.

{% file src="/files/6lFNWw9tVVwdYjadROIJ" %}

{% tabs %}
{% tab title="Payment Request" %}
Pain.001.001.09 sent using `POST` <https://connect.lhv.com/payment&#x20>;

{% 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-001</MsgId>
            <CreDtTm>2025-08-18T13:22:47Z</CreDtTm>
            <NbOfTxs>1</NbOfTxs>
            <CtrlSum>0.03</CtrlSum>
            <InitgPty>
                <Id>
                    <OrgId>
                        <AnyBIC>PSP1CCCCXXX</AnyBIC>
                    </OrgId>
                </Id>
            </InitgPty>
        </GrpHdr>
        <PmtInf>
            <PmtInfId>PmtInfId180820251</PmtInfId>
            <PmtMtd>TRF</PmtMtd>
            <BtchBookg>false</BtchBookg>
            <NbOfTxs>1</NbOfTxs>
            <CtrlSum>0.03</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>GB31LHVB04031300004649</IBAN>
                </Id>
            </DbtrAcct>
            <DbtrAgt>
                <FinInstnId>
                    <BICFI>LHVBGB2LXXX</BICFI>
                </FinInstnId>
            </DbtrAgt>
            <UltmtDbtr>
                <Nm>Business Customer of PSP1</Nm>
                <PstlAdr>
                    <StrtNm>High Street</StrtNm>
                    <BldgNb>42</BldgNb>
                    <PstCd>W1D 3QF</PstCd>
                    <TwnNm>London</TwnNm>
                    <Ctry>GB</Ctry>
                </PstlAdr>
                <Id>
                    <OrgId>
                        <Othr>
                            <Id>12345678</Id>
                            <SchmeNm>
                                <Cd>COID</Cd>
                            </SchmeNm>
                        </Othr>
                    </OrgId>
                </Id>
            </UltmtDbtr>
            <CdtTrfTxInf>
                <PmtId>
                    <InstrId>InstrId180820251</InstrId>
                    <EndToEndId>EndToEndId180820251</EndToEndId>
                </PmtId>
                <PmtTpInf>
                    <SvcLvl>
                        <Prtry>ALL</Prtry>
                    </SvcLvl>
                </PmtTpInf>
                <Amt>
                    <InstdAmt Ccy="GBP">0.03</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>
                <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_DEBTOR</ext:party>
                                <ext:key>DATE_OF_BIRTH</ext:key>
                                <ext:value>1980-09-24</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>1000214097</MsgId>
            <CreDtTm>2025-08-18T13:51:18.048+01:00</CreDtTm>
            <InitgPty>
                <Id>
                    <OrgId>
                        <AnyBIC>LHVBGB2LXXX</AnyBIC>
                    </OrgId>
                </Id>
            </InitgPty>
        </GrpHdr>
        <OrgnlGrpInfAndSts>
            <OrgnlMsgId>LHV-20250818T143012Z-001</OrgnlMsgId>
            <OrgnlMsgNmId>pain.001.001.09</OrgnlMsgNmId>
            <GrpSts>ACSP</GrpSts>
        </OrgnlGrpInfAndSts>
        <OrgnlPmtInfAndSts>
            <OrgnlPmtInfId>PmtInfId180820251</OrgnlPmtInfId>
            <PmtInfSts>ACSP</PmtInfSts>
            <TxInfAndSts>
                <OrgnlInstrId>InstrId180820251</OrgnlInstrId>
                <TxSts>ACSP</TxSts>
                <AcctSvcrRef>4443A09F82B042678A6B04741160DA4C</AcctSvcrRef>
                <OrgnlTxRef>
                    <Amt>
                        <InstdAmt Ccy="GBP">0.03</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>GB31LHVB04031300004649</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>1000214098</MsgId>
      <CreDtTm>2025-08-18T13:51:30.190+01:00</CreDtTm>
      <InitgPty>
        <Id>
          <OrgId>
            <AnyBIC>LHVBGB2LXXX</AnyBIC>
          </OrgId>
        </Id>
      </InitgPty>
    </GrpHdr>
    <OrgnlGrpInfAndSts>
      <OrgnlMsgId>LHV-20250818T143012Z-001</OrgnlMsgId>
      <OrgnlMsgNmId>pain.001.001.09</OrgnlMsgNmId>
    </OrgnlGrpInfAndSts>
    <OrgnlPmtInfAndSts>
      <OrgnlPmtInfId>PmtInfId180820251</OrgnlPmtInfId>
      <TxInfAndSts>
        <OrgnlInstrId>InstrId180820251</OrgnlInstrId>
        <TxSts>ACSC</TxSts>
        <AcctSvcrRef>4443A09F82B042678A6B04741160DA4C</AcctSvcrRef>
        <OrgnlTxRef>
          <Amt>
            <InstdAmt Ccy="GBP">0.03</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>GB31LHVB04031300004649</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.

```xml
<Document xmlns="urn:iso:std:iso:20022:tech:xsd:camt.054.001.02">
    <BkToCstmrDbtCdtNtfctn>
        <GrpHdr>
            <MsgId>8eb5dc018826494095a815f5b6dccbc4</MsgId>
            <CreDtTm>2025-08-18T13:51:20.848+01:00</CreDtTm>
        </GrpHdr>
        <Ntfctn>
            <Id>8eb5dc018826494095a815f5b6dccbc4GBP</Id>
            <CreDtTm>2025-08-18T13:51:20.848+01:00</CreDtTm>
            <Acct>
                <Id>
                    <IBAN>GB31LHVB04031300004649</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">0.03</Amt>
                <CdtDbtInd>DBIT</CdtDbtInd>
                <RvslInd>false</RvslInd>
                <Sts>BOOK</Sts>
                <BookgDt>
                    <Dt>2025-08-18</Dt>
                </BookgDt>
                <ValDt>
                    <DtTm>2025-08-18T13:51:20.355+01:00</DtTm>
                </ValDt>
                <AcctSvcrRef>4443A09F82B042678A6B04741160DA4C</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>4443A09F82B042678A6B04741160DA4C</AcctSvcrRef>
                            <PmtInfId>PmtInfId180820251</PmtInfId>
                            <InstrId>InstrId180820251</InstrId>
                            <EndToEndId>EndToEndId180820251</EndToEndId>
                        </Refs>
                        <AmtDtls>
                            <InstdAmt>
                                <Amt Ccy="GBP">0.03</Amt>
                            </InstdAmt>
                            <TxAmt>
                                <Amt Ccy="GBP">0.03</Amt>
                            </TxAmt>
                        </AmtDtls>
                        <RltdPties>
                            <UltmtDbtr>
                                <Nm>Business Customer of PSP1</Nm>
                                <Id>
                                    <OrgId>
                                        <Othr>
                                            <Id>12345678</Id>
                                            <SchmeNm>
                                                <Cd>COID</Cd>
                                            </SchmeNm>
                                        </Othr>
                                    </OrgId>
                                </Id>
                            </UltmtDbtr>
                            <Cdtr>
                                <Nm>Minerva McGonagall</Nm>
                            </Cdtr>
                            <CdtrAcct>
                                <Id>
                                    <Othr>
                                        <Id>20201755555555</Id>
                                    </Othr>
                                </Id>
                            </CdtrAcct>
                        </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>
```

{% endtab %}
{% endtabs %}


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