Use case 5: Level2 VIBAN Payment
PSP2 initiates payments of VIBAN owners (PSP2 's clients) bia PSP1. The VIBAN must be in active status for the payment to be initiated. See the PDF for more details on the flow.
Pain.001.001.09 sent using POST https://connect.lhv.com/payment
<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-20250922T143012Z-001</MsgId>
<CreDtTm>2025-09-22T13:22:47Z</CreDtTm>
<NbOfTxs>1</NbOfTxs>
<CtrlSum>0.03</CtrlSum>
<InitgPty>
<Id>
<OrgId>
<AnyBIC>PSP2CCCCXXX</AnyBIC>
</OrgId>
</Id>
</InitgPty>
<FwdgAgt>
<FinInstnId>
<BICFI>PSP1CCCCXXX</BICFI>
</FinInstnId>
</FwdgAgt>
</GrpHdr>
<PmtInf>
<PmtInfId>PmtInfId220920251</PmtInfId>
<PmtMtd>TRF</PmtMtd>
<BtchBookg>false</BtchBookg>
<NbOfTxs>1</NbOfTxs>
<CtrlSum>0.03</CtrlSum>
<ReqdExctnDt>
<Dt>2025-09-22</Dt>
</ReqdExctnDt>
<Dbtr>
<Nm>Salman Limited</Nm>
</Dbtr>
<DbtrAcct>
<Id>
<IBAN>GB42LHVB04030600271186</IBAN>
</Id>
</DbtrAcct>
<DbtrAgt>
<FinInstnId>
<BICFI>LHVBGB2LXXX</BICFI>
</FinInstnId>
</DbtrAgt>
<CdtTrfTxInf>
<PmtId>
<InstrId>InstrId220920251</InstrId>
<EndToEndId>EndToEndId220920251</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-20250922</Ref>
</CdtrRefInf>
</Strd>
</RmtInf>
<SplmtryData>
<Envlp>
<ext:Document>
<ext:partyData>
<ext:party>DEBTOR</ext:party>
<ext:key>DATE_OF_BIRTH</ext:key>
<ext:value>1982-09-24</ext:value>
</ext:partyData>
</ext:Document>
</Envlp>
</SplmtryData>
</CdtTrfTxInf>
</PmtInf>
</CstmrCdtTrfInitn>
</Document>Initial pain.002.001.10 with Accepted Settlement in Process (ACSP) status
<?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>1000224940</MsgId>
<CreDtTm>2025-09-22T14:15:50.182+01:00</CreDtTm>
<InitgPty>
<Id>
<OrgId>
<AnyBIC>LHVBGB2LXXX</AnyBIC>
</OrgId>
</Id>
</InitgPty>
</GrpHdr>
<OrgnlGrpInfAndSts>
<OrgnlMsgId>LHV-20250922T143012Z-001</OrgnlMsgId>
<OrgnlMsgNmId>pain.001.001.09</OrgnlMsgNmId>
<GrpSts>ACSP</GrpSts>
</OrgnlGrpInfAndSts>
<OrgnlPmtInfAndSts>
<OrgnlPmtInfId>PmtInfId220920251</OrgnlPmtInfId>
<PmtInfSts>ACSP</PmtInfSts>
<TxInfAndSts>
<OrgnlInstrId>InstrId220920251</OrgnlInstrId>
<TxSts>ACSP</TxSts>
<AcctSvcrRef>839C53D25F4040AA9D009CFF3542028D</AcctSvcrRef>
<OrgnlTxRef>
<Amt>
<InstdAmt Ccy="GBP">0.03</InstdAmt>
</Amt>
<ReqdExctnDt>
<Dt>2025-09-22</Dt>
</ReqdExctnDt>
<PmtTpInf>
<SvcLvl>
<Prtry>FAST</Prtry>
</SvcLvl>
</PmtTpInf>
<Dbtr>
<Pty>
<Nm>Salman Limited</Nm>
</Pty>
</Dbtr>
<DbtrAcct>
<Id>
<IBAN>GB42LHVB04030600271186</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>Second pain.002.001.10 with Accepted Settlement Completed (ACSC) status
<?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>1000224941</MsgId>
<CreDtTm>2025-09-22T14:16:00.249+01:00</CreDtTm>
<InitgPty>
<Id>
<OrgId>
<AnyBIC>LHVBGB2LXXX</AnyBIC>
</OrgId>
</Id>
</InitgPty>
</GrpHdr>
<OrgnlGrpInfAndSts>
<OrgnlMsgId>LHV-20250922T143012Z-001</OrgnlMsgId>
<OrgnlMsgNmId>pain.001.001.09</OrgnlMsgNmId>
</OrgnlGrpInfAndSts>
<OrgnlPmtInfAndSts>
<OrgnlPmtInfId>PmtInfId220920251</OrgnlPmtInfId>
<TxInfAndSts>
<OrgnlInstrId>InstrId220920251</OrgnlInstrId>
<TxSts>ACSC</TxSts>
<AcctSvcrRef>839C53D25F4040AA9D009CFF3542028D</AcctSvcrRef>
<OrgnlTxRef>
<Amt>
<InstdAmt Ccy="GBP">0.03</InstdAmt>
</Amt>
<ReqdExctnDt>
<Dt>2025-09-22</Dt>
</ReqdExctnDt>
<PmtTpInf>
<SvcLvl>
<Prtry>FAST</Prtry>
</SvcLvl>
</PmtTpInf>
<Dbtr>
<Pty>
<Nm>Salman Limited</Nm>
</Pty>
</Dbtr>
<DbtrAcct>
<Id>
<IBAN>GB42LHVB04030600271186</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>
Debit notification, camt.054.001.02.
<Document xmlns="urn:iso:std:iso:20022:tech:xsd:camt.054.001.02">
<BkToCstmrDbtCdtNtfctn>
<GrpHdr>
<MsgId>ff1bc12055f8487d887a6e8510c68d77</MsgId>
<CreDtTm>2025-09-22T14:15:52.909+01:00</CreDtTm>
</GrpHdr>
<Ntfctn>
<Id>ff1bc12055f8487d887a6e8510c68d77GBP</Id>
<CreDtTm>2025-09-22T14:15:52.909+01:00</CreDtTm>
<Acct>
<Id>
<IBAN>GB47LHVB04031300004652</IBAN>
</Id>
<Ccy>GBP</Ccy>
<Ownr>
<Nm>Paul Atreides</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>2025-09-22</Dt>
</BookgDt>
<ValDt>
<DtTm>2025-09-22T14:15:52.170+01:00</DtTm>
</ValDt>
<AcctSvcrRef>839C53D25F4040AA9D009CFF3542028D</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>839C53D25F4040AA9D009CFF3542028D</AcctSvcrRef>
<PmtInfId>PmtInfId220920251</PmtInfId>
<InstrId>InstrId220920251</InstrId>
<EndToEndId>EndToEndId220920251</EndToEndId>
</Refs>
<AmtDtls>
<InstdAmt>
<Amt Ccy="GBP">0.03</Amt>
</InstdAmt>
<TxAmt>
<Amt Ccy="GBP">0.03</Amt>
</TxAmt>
</AmtDtls>
<RltdPties>
<Dbtr>
<Nm>Salman Limited</Nm>
<PstlAdr>
<Ctry>PT</Ctry>
<AdrLine>Rua do Comércio 25</AdrLine>
</PstlAdr>
</Dbtr>
<DbtrAcct>
<Id>
<IBAN>GB42LHVB04030600271186</IBAN>
</Id>
</DbtrAcct>
<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-20250922</Ref>
</CdtrRefInf>
</Strd>
</RmtInf>
</TxDtls>
</NtryDtls>
</Ntry>
</Ntfctn>
</BkToCstmrDbtCdtNtfctn>
</Document>Last updated
Was this helpful?