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.

98KB

Use Case 6 Level2 VIBAN Payment plus Ultimate Debtor.pdf

pdf

Payment Request

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>

Payment Response 1

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>

Payment Response 2

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>

Transaction Notification

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>