Use case 6: Level2 VIBAN Payment plus Ultimate Debtor
PSP2 initiates the payments of the end customer (PSP2's client) via VIBAN that belongs to the PSP2. 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-004</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>PmtInfId220920254</PmtInfId>
<PmtMtd>TRF</PmtMtd>
<BtchBookg>false</BtchBookg>
<NbOfTxs>1</NbOfTxs>
<CtrlSum>0.03</CtrlSum>
<ReqdExctnDt>
<Dt>2025-09-22</Dt>
</ReqdExctnDt>
<Dbtr>
<Nm>Shanghai Tech Innovations Co., Ltd.</Nm>
</Dbtr>
<DbtrAcct>
<Id>
<IBAN>GB49LHVB04030600272224</IBAN>
</Id>
</DbtrAcct>
<DbtrAgt>
<FinInstnId>
<BICFI>LHVBGB2LXXX</BICFI>
</FinInstnId>
</DbtrAgt>
<UltmtDbtr>
<Nm>Customer of PSP2</Nm>
<PstlAdr>
<StrtNm>Renmin Avenue</StrtNm>
<BldgNb>88</BldgNb>
<PstCd>200003</PstCd>
<TwnNm>Shanghai</TwnNm>
<Ctry>CN</Ctry>
</PstlAdr>
<Id>
<OrgId>
<Othr>
<Id>91310000MA1K123456</Id>
<SchmeNm>
<Cd>COID</Cd>
</SchmeNm>
</Othr>
</OrgId>
</Id>
</UltmtDbtr>
<CdtTrfTxInf>
<PmtId>
<InstrId>InstrId220920254</InstrId>
<EndToEndId>EndToEndId220920254</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>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>
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>1000227316</MsgId>
<CreDtTm>2025-09-22T12:17:34.210+01:00</CreDtTm>
<InitgPty>
<Id>
<OrgId>
<AnyBIC>LHVBGB2LXXX</AnyBIC>
</OrgId>
</Id>
</InitgPty>
</GrpHdr>
<OrgnlGrpInfAndSts>
<OrgnlMsgId>LHV-20250922T143012Z-004</OrgnlMsgId>
<OrgnlMsgNmId>pain.001.001.09</OrgnlMsgNmId>
<GrpSts>ACSP</GrpSts>
</OrgnlGrpInfAndSts>
<OrgnlPmtInfAndSts>
<OrgnlPmtInfId>PmtInfId220920254</OrgnlPmtInfId>
<PmtInfSts>ACSP</PmtInfSts>
<TxInfAndSts>
<OrgnlInstrId>InstrId220920254</OrgnlInstrId>
<TxSts>ACSP</TxSts>
<AcctSvcrRef>DD509A519EDA49CB8AF9581DBF77542E</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>Shanghai Tech Innovations Co., Ltd.</Nm>
</Pty>
</Dbtr>
<DbtrAcct>
<Id>
<IBAN>GB49LHVB04030600272224</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>1000227317</MsgId>
<CreDtTm>2025-09-22T12:18:00.232+01:00</CreDtTm>
<InitgPty>
<Id>
<OrgId>
<AnyBIC>LHVBGB2LXXX</AnyBIC>
</OrgId>
</Id>
</InitgPty>
</GrpHdr>
<OrgnlGrpInfAndSts>
<OrgnlMsgId>LHV-20250922T143012Z-004</OrgnlMsgId>
<OrgnlMsgNmId>pain.001.001.09</OrgnlMsgNmId>
</OrgnlGrpInfAndSts>
<OrgnlPmtInfAndSts>
<OrgnlPmtInfId>PmtInfId220920254</OrgnlPmtInfId>
<TxInfAndSts>
<OrgnlInstrId>InstrId220920254</OrgnlInstrId>
<TxSts>ACSC</TxSts>
<AcctSvcrRef>DD509A519EDA49CB8AF9581DBF77542E</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>Shanghai Tech Innovations Co., Ltd.</Nm>
</Pty>
</Dbtr>
<DbtrAcct>
<Id>
<IBAN>GB49LHVB04030600272224</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>562568472aab4e71b71fd07d3841a7a4</MsgId>
<CreDtTm>2025-09-22T12:17:36.662+01:00</CreDtTm>
</GrpHdr>
<Ntfctn>
<Id>562568472aab4e71b71fd07d3841a7a4GBP</Id>
<CreDtTm>2025-09-22T12:17:36.662+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>2025-09-22T12:17:35.892+01:00</DtTm>
</ValDt>
<AcctSvcrRef>DD509A519EDA49CB8AF9581DBF77542E</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>DD509A519EDA49CB8AF9581DBF77542E</AcctSvcrRef>
<PmtInfId>PmtInfId220920254</PmtInfId>
<InstrId>InstrId220920254</InstrId>
<EndToEndId>EndToEndId220920254</EndToEndId>
</Refs>
<AmtDtls>
<InstdAmt>
<Amt Ccy="GBP">0.03</Amt>
</InstdAmt>
<TxAmt>
<Amt Ccy="GBP">0.03</Amt>
</TxAmt>
</AmtDtls>
<RltdPties>
<Dbtr>
<Nm>Shanghai Tech Innovations Co., Ltd.</Nm>
<PstlAdr>
<Ctry>CN</Ctry>
<AdrLine>88 Zhangjiang Road</AdrLine>
</PstlAdr>
</Dbtr>
<DbtrAcct>
<Id>
<IBAN>GB49LHVB04030600272224</IBAN>
</Id>
</DbtrAcct>
<UltmtDbtr>
<Nm>Customer of PSP2</Nm>
<Id>
<OrgId>
<Othr>
<Id>91310000MA1K123456</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-20250922</Ref>
</CdtrRefInf>
</Strd>
</RmtInf>
</TxDtls>
</NtryDtls>
</Ntry>
</Ntfctn>
</BkToCstmrDbtCdtNtfctn>
</Document>
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