> 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-7-indirect-scheme-participant-client-payment.md).

# Use case 7: Indirect Scheme Participant Client Payment

Indirect Scheme Participant (PSP1) initiates the payments of the end customer (PSP1’s client). See the PDF for more details on the flow.

{% file src="/files/VvU58Of0BCdghUEZuk3f" %}

{% 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-20250922T143012Z-004</MsgId>
            <CreDtTm>2025-09-22T11:17:03.252398506Z</CreDtTm>
            <NbOfTxs>1</NbOfTxs>
            <CtrlSum>1.00</CtrlSum>
            <InitgPty>
                <OrgId>
                    <AnyBIC>PSP1CCCCXXX</AnyBIC>
                </OrgId>
            </InitgPty>
        </GrpHdr>
        <PmtInf>
            <PmtInfId>PmtInfId220920254</PmtInfId>
            <PmtMtd>TRF</PmtMtd>
            <BtchBookg>false</BtchBookg>
            <NbOfTxs>1</NbOfTxs>
            <CtrlSum>1.00</CtrlSum>
            <ReqdExctnDt>
                <Dt>2025-09-22</Dt>
            </ReqdExctnDt>
            <Dbtr>
                <Nm>Jan Novak</Nm>
                <PstlAdr>
                    <StrtNm>High Holborn</StrtNm>
                    <BldgNb>88</BldgNb>
                    <PstCd>WC1V 6AA</PstCd>
                    <TwnNm>London</TwnNm>
                    <Ctry>GB</Ctry>
                </PstlAdr>
            </Dbtr>
            <DbtrAcct>
                <Id>
                    <IBAN>GB22PSPB04032510097184</IBAN>
                </Id>
            </DbtrAcct>
            <DbtrAgt>
                <FinInstnId>
                    <BICFI>PSP1CCCCXXX</BICFI>
                </FinInstnId>
            </DbtrAgt>
            <CdtTrfTxInf>
                <PmtId>
                    <InstrId>InstrId220920254</InstrId>
                    <EndToEndId>EndToEndId220920254</EndToEndId>
                </PmtId>
                <PmtTpInf>
                    <SvcLvl>
                        <Prtry>SEPA</Prtry>
                    </SvcLvl>
                </PmtTpInf>
                <Amt>
                    <InstdAmt Ccy="EUR">1.00</InstdAmt>
                </Amt>
                <CdtrAgt>
                    <FinInstnId>
                        <BICFI>CAIXESBBXXX</BICFI>
                    </FinInstnId>
                </CdtrAgt>
                <Cdtr>
                    <Nm>Katie Bell</Nm>
                </Cdtr>
                <CdtrAcct>
                    <Id>
                        <IBAN>ES9121000418450200051332</IBAN>
                    </Id>
                </CdtrAcct>
                <RmtInf>
                    <Ustrd>Payment</Ustrd>
                </RmtInf>
                <SplmtryData>
                    <Envlp>
                        <ext:Document>
                            <ext:partyData>
                                <ext:party>DEBTOR</ext:party>
                                <ext:key>DATE_OF_BIRTH</ext:key>
                                <ext:value>2000-01-01</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>1000227318</MsgId>
      <CreDtTm>2025-09-22T11:17:34.210+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>F40E567E79DC4F3A8CA167EF97103A9E</AcctSvcrRef>
        <OrgnlTxRef>
          <Amt>
            <InstdAmt Ccy="EUR">1.00</InstdAmt>
          </Amt>
          <ReqdExctnDt>
            <Dt>2025-09-22</Dt>
          </ReqdExctnDt>
          <PmtTpInf>
            <SvcLvl>
              <Prtry>SEPA</Prtry>
            </SvcLvl>
          </PmtTpInf>
          <Dbtr>
            <Pty>
              <Nm>Jan Novak</Nm>
            </Pty>
          </Dbtr>
          <DbtrAcct>
            <Id>
              <IBAN>GB22PSPB04032510097184</IBAN>
            </Id>
          </DbtrAcct>
          <DbtrAgt>
            <FinInstnId>
              <BICFI>PSP1CCCCXXX</BICFI>
            </FinInstnId>
          </DbtrAgt>
          <CdtrAgt>
            <FinInstnId>
              <BICFI>CAIXESBBXXX</BICFI>
            </FinInstnId>
          </CdtrAgt>
          <Cdtr>
            <Pty>
              <Nm>Katie Bell</Nm>
            </Pty>
          </Cdtr>
          <CdtrAcct>
            <Id>
              <IBAN>ES9121000418450200051332</IBAN>
            </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>1000227319</MsgId>
      <CreDtTm>2025-09-22T11:18:34.210+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>
    </OrgnlGrpInfAndSts>
    <OrgnlPmtInfAndSts>
      <OrgnlPmtInfId>PmtInfId220920254</OrgnlPmtInfId>
      <TxInfAndSts>
        <OrgnlInstrId>InstrId220920254</OrgnlInstrId>
        <TxSts>ACSC</TxSts>
        <AcctSvcrRef>F40E567E79DC4F3A8CA167EF97103A9E</AcctSvcrRef>
        <OrgnlTxRef>
          <Amt>
            <InstdAmt Ccy="EUR">1.00</InstdAmt>
          </Amt>
          <ReqdExctnDt>
            <Dt>2025-09-22</Dt>
          </ReqdExctnDt>
          <PmtTpInf>
            <SvcLvl>
              <Prtry>SEPA</Prtry>
            </SvcLvl>
          </PmtTpInf>
          <Dbtr>
            <Pty>
              <Nm>Jan Novak</Nm>
            </Pty>
          </Dbtr>
          <DbtrAcct>
            <Id>
              <IBAN>GB22PSPB04032510097184</IBAN>
            </Id>
          </DbtrAcct>
          <DbtrAgt>
            <FinInstnId>
              <BICFI>PSP1CCCCXXX</BICFI>
            </FinInstnId>
          </DbtrAgt>
          <CdtrAgt>
            <FinInstnId>
              <BICFI>CAIXESBBXXX</BICFI>
            </FinInstnId>
          </CdtrAgt>
          <Cdtr>
            <Pty>
              <Nm>Katie Bell</Nm>
            </Pty>
          </Cdtr>
          <CdtrAcct>
            <Id>
              <IBAN>ES9121000418450200051332</IBAN>
            </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>eae5f0229bb344eca41e16f9403dee05</MsgId>
      <CreDtTm>2025-09-22T11:18:05.011+01:00</CreDtTm>
    </GrpHdr>
    <Ntfctn>
      <Id>eae5f0229bb344eca41e16f9403dee05GBP</Id>
      <CreDtTm>2025-09-22T11:18:05.011+01:00</CreDtTm>
      <Acct>
        <Id>
          <IBAN>GB47LHVB04031300004653</IBAN>
        </Id>
        <Ccy>GBP</Ccy>
        <Ownr>
          <Nm>Indirect Participant</Nm>
          <Id>
            <OrgId>
              <Othr>
                <Id>1231243243</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="EUR">1.00</Amt>
        <CdtDbtInd>DBIT</CdtDbtInd>
        <RvslInd>false</RvslInd>
        <Sts>BOOK</Sts>
        <BookgDt>
          <Dt>2025-09-22</Dt>
        </BookgDt>
        <ValDt>
          <DtTm>2025-09-22T11:18:04.287+01:00</DtTm>
        </ValDt>
        <AcctSvcrRef>F40E567E79DC4F3A8CA167EF97103A9E</AcctSvcrRef>
        <BkTxCd>
          <Domn>
            <Cd>PMNT</Cd>
            <Fmly>
              <Cd>ICDT</Cd>
              <SubFmlyCd>OTHR</SubFmlyCd>
            </Fmly>
          </Domn>
          <Prtry>
            <Cd>SEPA</Cd>
          </Prtry>
        </BkTxCd>
        <NtryDtls>
          <TxDtls>
            <Refs>
              <AcctSvcrRef>F40E567E79DC4F3A8CA167EF97103A9E</AcctSvcrRef>
              <PmtInfId>PmtInfId220920254</PmtInfId>
              <InstrId>InstrId220920254</InstrId>
              <EndToEndId>EndToEndId220920254</EndToEndId>
            </Refs>
            <AmtDtls>
              <InstdAmt>
                <Amt Ccy="EUR">1.00</Amt>
              </InstdAmt>
              <TxAmt>
                <Amt Ccy="EUR">1.00</Amt>
              </TxAmt>
            </AmtDtls>
            <RltdPties>
              <Dbtr>
                <Nm>Jan Novak</Nm>
                <PstlAdr>
                  <Ctry>GB</Ctry>
                  <AdrLine>London</AdrLine>
                </PstlAdr>
              </Dbtr>
              <DbtrAcct>
                <Id>
                  <IBAN>GB22PSPB04032510097184</IBAN>
                </Id>
              </DbtrAcct>
              <Cdtr>
                <Nm>Katie Bell</Nm>
              </Cdtr>
              <CdtrAcct>
                <Id>
                  <IBAN>ES9121000418450200051332</IBAN>
                </Id>
              </CdtrAcct>
            </RltdPties>
            <RltdAgts>
              <CdtrAgt>
                <FinInstnId>
                  <BIC>CAIXESBBXXX</BIC>
                  <Nm>CAIXABANK, S.A.</Nm>
                </FinInstnId>
              </CdtrAgt>
            </RltdAgts>
            <RmtInf>
              <Ustrd>Payment</Ustrd>
            </RmtInf>
          </TxDtls>
        </NtryDtls>
      </Ntry>
    </Ntfctn>
  </BkToCstmrDbtCdtNtfctn>
</Document>
```

{% endtab %}
{% endtabs %}


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