Use case 8: Level2 Indirect Scheme Participant Client Payment
Indirect Scheme Member (PSP1) mediates the payments of the end customers (PSP2’s clients). 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-005</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>PmtInfId220920255</PmtInfId>
<PmtMtd>TRF</PmtMtd>
<BtchBookg>false</BtchBookg>
<NbOfTxs>1</NbOfTxs>
<CtrlSum>1.00</CtrlSum>
<ReqdExctnDt>
<Dt>2025-09-22</Dt>
</ReqdExctnDt>
<Dbtr>
<Nm>Nordic Data Oy</Nm>
<PstlAdr>
<StrtNm>Esplanadi</StrtNm>
<BldgNb>10</BldgNb>
<PstCd>00130</PstCd>
<TwnNm>Helsinki</TwnNm>
<Ctry>FI</Ctry>
</PstlAdr>
</Dbtr>
<DbtrAcct>
<Id>
<IBAN>GB22PSPB04032510097185</IBAN>
</Id>
</DbtrAcct>
<DbtrAgt>
<FinInstnId>
<BICFI>PSP1CCCCXXX</BICFI>
</FinInstnId>
</DbtrAgt>
<UltmtDbtr>
<Nm>Customer of PSP2</Nm>
<PstlAdr>
<StrtNm>Mannerheimintie</StrtNm>
<BldgNb>2</BldgNb>
<PstCd>00100</PstCd>
<TwnNm>Helsinki</TwnNm>
<Ctry>FI</Ctry>
</PstlAdr>
</UltmtDbtr>
<CdtTrfTxInf>
<PmtId>
<InstrId>InstrId220920255</InstrId>
<EndToEndId>EndToEndId220920255</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>ULTIMATE_DEBTOR</ext:party>
<ext:key>DATE_OF_BIRTH</ext:key>
<ext:value>1998-01-01</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>1000227320</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-005</OrgnlMsgId>
<OrgnlMsgNmId>pain.001.001.09</OrgnlMsgNmId>
<GrpSts>ACSP</GrpSts>
</OrgnlGrpInfAndSts>
<OrgnlPmtInfAndSts>
<OrgnlPmtInfId>PmtInfId220920255</OrgnlPmtInfId>
<PmtInfSts>ACSP</PmtInfSts>
<TxInfAndSts>
<OrgnlInstrId>InstrId220920255</OrgnlInstrId>
<TxSts>ACSP</TxSts>
<AcctSvcrRef>D40E567E79DC4F3A8CA167EF97103A9A</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>Nordic Data Oy</Nm>
</Pty>
</Dbtr>
<DbtrAcct>
<Id>
<IBAN>GB22PSPB04032510097185</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>1000227321</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-005</OrgnlMsgId>
<OrgnlMsgNmId>pain.001.001.09</OrgnlMsgNmId>
</OrgnlGrpInfAndSts>
<OrgnlPmtInfAndSts>
<OrgnlPmtInfId>PmtInfId220920255</OrgnlPmtInfId>
<TxInfAndSts>
<OrgnlInstrId>InstrId220920255</OrgnlInstrId>
<TxSts>ACSC</TxSts>
<AcctSvcrRef>D40E567E79DC4F3A8CA167EF97103A9A</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>Nordic Data Oy</Nm>
</Pty>
</Dbtr>
<DbtrAcct>
<Id>
<IBAN>GB22PSPB04032510097185</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>eae5f0229bb344eca41e16f9403dee06</MsgId>
<CreDtTm>2025-09-22T11:18:05.011+01:00</CreDtTm>
</GrpHdr>
<Ntfctn>
<Id>eae5f0229bb344eca41e16f9403dee06GBP</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>D40E567E79DC4F3A8CA167EF97103A9A</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>D40E567E79DC4F3A8CA167EF97103A9A</AcctSvcrRef>
<PmtInfId>PmtInfId220920255</PmtInfId>
<InstrId>InstrId220920255</InstrId>
<EndToEndId>EndToEndId220920255</EndToEndId>
</Refs>
<AmtDtls>
<InstdAmt>
<Amt Ccy="EUR">1.00</Amt>
</InstdAmt>
<TxAmt>
<Amt Ccy="EUR">1.00</Amt>
</TxAmt>
</AmtDtls>
<RltdPties>
<Dbtr>
<Nm>Nordic Data Oy</Nm>
<PstlAdr>
<Ctry>FI</Ctry>
<AdrLine>Helsinki</AdrLine>
</PstlAdr>
</Dbtr>
<DbtrAcct>
<Id>
<IBAN>GB22PSPB04032510097185</IBAN>
</Id>
</DbtrAcct>
<UltmtDbtr>
<Nm>Customer of PSP2</Nm>
<PstlAdr>
<StrtNm>Mannerheimintie</StrtNm>
<BldgNb>2</BldgNb>
<PstCd>00100</PstCd>
<TwnNm>Helsinki</TwnNm>
<Ctry>FI</Ctry>
</PstlAdr>
</UltmtDbtr>
<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 7: Indirect Scheme Participant Client PaymentNextPayment Collection via Direct Debit
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