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.
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>2025-09-22T11:17:03.252398506Z</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>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>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>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>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>Debit notification, camt.054.001.02.
<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>PreviousUse case 6: Level2 VIBAN Payment plus Ultimate DebtorNextUse case 8: Level2 Indirect Scheme Participant Client Payment
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