> 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/swift-payment.md).

# SWIFT Payment

This example demonstrates a single cross-border payment instruction within the pain.001 message. See [Instructions for SWIFT Payment](/home/connect/services/payments/instructions-for-swift-payment.md) page for more information.

After submission, the system validates the message and returns an initial pain.002 response indicating whether the payment was accepted for processing. If accepted, the payment is forwarded through the SWIFT network to the beneficiary’s bank. Once execution is done, a final pain.002 message is generated, and a camt.054 credit-debit notification is issued to reflect the transaction booking on the account.

{% tabs %}
{% tab title="Payment Request" %}
Pain.001.001.09 sent using `POST` <https://connect.lhv.com/payment>

```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:supl.001.001.01 supl.001.001.01.xsd urn:iso:std:iso:20022:tech:xsd:pain.001.001.09 pain.001.001.09.xsd">
    <CstmrCdtTrfInitn>
        <GrpHdr>
            <MsgId>MSGID2025101013</MsgId>
            <CreDtTm>2025-10-10T15:51:08</CreDtTm>
            <NbOfTxs>1</NbOfTxs>
            <CtrlSum>1.00</CtrlSum>
            <InitgPty>
                <Id>
                    <OrgId>
                        <AnyBIC>LHVBGB2L</AnyBIC>
                    </OrgId>
                </Id>
            </InitgPty>
        </GrpHdr>
        <PmtInf>
            <PmtInfId>PMTINFID202510103</PmtInfId>
            <PmtMtd>TRF</PmtMtd>
            <BtchBookg>false</BtchBookg>
            <NbOfTxs>1</NbOfTxs>
            <CtrlSum>1.00</CtrlSum>
            <PmtTpInf>
                <InstrPrty>HIGH</InstrPrty>
                <SvcLvl>
                    <Prtry>SWIFT</Prtry>
                </SvcLvl>
            </PmtTpInf>
            <ReqdExctnDt>
                <Dt>2025-10-10</Dt>
            </ReqdExctnDt>
            <Dbtr>
                <Nm>Connect Demo Customer 1</Nm>
            </Dbtr>
            <DbtrAcct>
                <Id>
                    <IBAN>GB31LHVB04031300004649</IBAN>
                </Id>
            </DbtrAcct>
            <DbtrAgt>
                <FinInstnId>
                    <BICFI>LHVBGB2L</BICFI>
                </FinInstnId>
            </DbtrAgt>
            <CdtTrfTxInf>
                <PmtId>
                    <InstrId>InstrId202510103</InstrId>
                    <EndToEndId>EndToEndId202510103</EndToEndId>
                    <UETR>07cf93af-fc97-44e0-8ed6-e8ac8e944425</UETR>
                </PmtId>
                <Amt>
                    <InstdAmt Ccy="GBP">1.00</InstdAmt>
                </Amt>
                <ChrgBr>SHAR</ChrgBr>
                <CdtrAgt>
                    <FinInstnId>
                        <ClrSysMmbId>
                            <ClrSysId>
                                <Cd>GBDSC</Cd>
                            </ClrSysId>
                            <MmbId>309683</MmbId>
                        </ClrSysMmbId>
                    </FinInstnId>
                </CdtrAgt>
                <Cdtr>
                    <Nm>Michael Smith</Nm>
                </Cdtr>
                <CdtrAcct>
                    <Id>
                        <Othr>
                            <Id>12345678</Id>
                        </Othr>
                    </Id>
                </CdtrAcct>
                <Purp>
                    <Cd>LIMA</Cd>
                </Purp>
                <RmtInf>
                    <Ustrd>Chaps payment example</Ustrd>
                </RmtInf>
            </CdtTrfTxInf>
        </PmtInf>
    </CstmrCdtTrfInitn>
</Document>
```

{% endtab %}

{% tab title="Payment Response 1" %}
Initial pain.002.001.10 with Accepted Settlement in Process (ACSP) status

```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>1000235484</MsgId>
      <CreDtTm>2025-10-10T14:38:54.955+01:00</CreDtTm>
      <InitgPty>
        <Id>
          <OrgId>
            <AnyBIC>LHVBGB2LXXX</AnyBIC>
          </OrgId>
        </Id>
      </InitgPty>
    </GrpHdr>
    <OrgnlGrpInfAndSts>
      <OrgnlMsgId>MSGID2025101013</OrgnlMsgId>
      <OrgnlMsgNmId>pain.001.001.09</OrgnlMsgNmId>
      <GrpSts>ACSP</GrpSts>
    </OrgnlGrpInfAndSts>
    <OrgnlPmtInfAndSts>
      <OrgnlPmtInfId>PMTINFID202510103</OrgnlPmtInfId>
      <PmtInfSts>ACSP</PmtInfSts>
      <TxInfAndSts>
        <OrgnlInstrId>InstrId202510103</OrgnlInstrId>
        <OrgnlUETR>07cf93af-fc97-44e0-8ed6-e8ac8e944425</OrgnlUETR>
        <TxSts>ACSP</TxSts>
        <AcctSvcrRef>CAD438A2AE3143FF8144A11F90BCA4F6</AcctSvcrRef>
        <OrgnlTxRef>
          <Amt>
            <InstdAmt Ccy="GBP">1.00</InstdAmt>
          </Amt>
          <ReqdExctnDt>
            <Dt>2025-10-10</Dt>
          </ReqdExctnDt>
          <PmtTpInf>
            <SvcLvl>
              <Prtry>SWIFT</Prtry>
            </SvcLvl>
          </PmtTpInf>
          <Dbtr>
            <Pty>
              <Nm>Connect Demo Customer 1</Nm>
            </Pty>
          </Dbtr>
          <DbtrAcct>
            <Id>
              <IBAN>GB31LHVB04031300004649</IBAN>
            </Id>
          </DbtrAcct>
          <DbtrAgt>
            <FinInstnId>
              <BICFI>LHVBGB2L</BICFI>
            </FinInstnId>
          </DbtrAgt>
          <CdtrAgt>
            <FinInstnId/>
          </CdtrAgt>
          <Cdtr>
            <Pty>
              <Nm>Michael Smith</Nm>
            </Pty>
          </Cdtr>
          <CdtrAcct>
            <Id>
              <Othr>
                <Id>30968312345678</Id>
              </Othr>
            </Id>
          </CdtrAcct>
        </OrgnlTxRef>
      </TxInfAndSts>
    </OrgnlPmtInfAndSts>
  </CstmrPmtStsRpt>
</Document>
```

{% endtab %}

{% tab title="Payment Response 2" %}
Second pain.002.001.10 with Accepted Settlement Completed (ACSC) status

```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>1000235485</MsgId>
      <CreDtTm>2025-10-10T14:43:00.476+01:00</CreDtTm>
      <InitgPty>
        <Id>
          <OrgId>
            <AnyBIC>LHVBGB2LXXX</AnyBIC>
          </OrgId>
        </Id>
      </InitgPty>
    </GrpHdr>
    <OrgnlGrpInfAndSts>
      <OrgnlMsgId>MSGID2025101013</OrgnlMsgId>
      <OrgnlMsgNmId>pain.001.001.09</OrgnlMsgNmId>
    </OrgnlGrpInfAndSts>
    <OrgnlPmtInfAndSts>
      <OrgnlPmtInfId>PMTINFID202510103</OrgnlPmtInfId>
      <TxInfAndSts>
        <OrgnlInstrId>InstrId202510103</OrgnlInstrId>
        <OrgnlUETR>07cf93af-fc97-44e0-8ed6-e8ac8e944425</OrgnlUETR>
        <TxSts>ACSC</TxSts>
        <AcctSvcrRef>CAD438A2AE3143FF8144A11F90BCA4F6</AcctSvcrRef>
        <OrgnlTxRef>
          <Amt>
            <InstdAmt Ccy="GBP">1.00</InstdAmt>
          </Amt>
          <ReqdExctnDt>
            <Dt>2025-10-10</Dt>
          </ReqdExctnDt>
          <PmtTpInf>
            <SvcLvl>
              <Prtry>SWIFT</Prtry>
            </SvcLvl>
          </PmtTpInf>
          <Dbtr>
            <Pty>
              <Nm>Connect Demo Customer 1</Nm>
            </Pty>
          </Dbtr>
          <DbtrAcct>
            <Id>
              <IBAN>GB31LHVB04031300004649</IBAN>
            </Id>
          </DbtrAcct>
          <DbtrAgt>
            <FinInstnId>
              <BICFI>LHVBGB2L</BICFI>
            </FinInstnId>
          </DbtrAgt>
          <CdtrAgt>
            <FinInstnId/>
          </CdtrAgt>
          <Cdtr>
            <Pty>
              <Nm>Michael Smith</Nm>
            </Pty>
          </Cdtr>
          <CdtrAcct>
            <Id>
              <Othr>
                <Id>30968312345678</Id>
              </Othr>
            </Id>
          </CdtrAcct>
        </OrgnlTxRef>
      </TxInfAndSts>
    </OrgnlPmtInfAndSts>
  </CstmrPmtStsRpt>
</Document>
```

{% 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>64a057a48634455b8e91d706b557156a</MsgId>
      <CreDtTm>2025-10-10T14:42:40.505+01:00</CreDtTm>
    </GrpHdr>
    <Ntfctn>
      <Id>64a057a48634455b8e91d706b557156aGBP</Id>
      <CreDtTm>2025-10-10T14:42:40.505+01:00</CreDtTm>
      <Acct>
        <Id>
          <IBAN>GB31LHVB04031300004649</IBAN>
        </Id>
        <Ccy>GBP</Ccy>
        <Ownr>
          <Nm>Connect Demo Customer 1</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">1.00</Amt>
        <CdtDbtInd>DBIT</CdtDbtInd>
        <RvslInd>false</RvslInd>
        <Sts>BOOK</Sts>
        <BookgDt>
          <Dt>2025-10-10</Dt>
        </BookgDt>
        <ValDt>
          <DtTm>2025-10-10T14:42:40.093+01:00</DtTm>
        </ValDt>
        <AcctSvcrRef>CAD438A2AE3143FF8144A11F90BCA4F6</AcctSvcrRef>
        <BkTxCd>
          <Domn>
            <Cd>PMNT</Cd>
            <Fmly>
              <Cd>ICDT</Cd>
              <SubFmlyCd>OTHR</SubFmlyCd>
            </Fmly>
          </Domn>
          <Prtry>
            <Cd>SWIFT</Cd>
          </Prtry>
        </BkTxCd>
        <NtryDtls>
          <TxDtls>
            <Refs>
              <AcctSvcrRef>CAD438A2AE3143FF8144A11F90BCA4F6</AcctSvcrRef>
              <PmtInfId>PMTINFID202510103</PmtInfId>
              <InstrId>InstrId202510103</InstrId>
              <EndToEndId>EndToEndId202510103</EndToEndId>
            </Refs>
            <AmtDtls>
              <InstdAmt>
                <Amt Ccy="GBP">1.00</Amt>
              </InstdAmt>
              <TxAmt>
                <Amt Ccy="GBP">1.00</Amt>
              </TxAmt>
            </AmtDtls>
            <RltdPties>
              <Cdtr>
                <Nm>Michael Smith</Nm>
              </Cdtr>
              <CdtrAcct>
                <Id>
                  <Othr>
                    <Id>30968312345678</Id>
                  </Othr>
                </Id>
              </CdtrAcct>
            </RltdPties>
            <Purp>
              <Cd>LIMA</Cd>
            </Purp>
            <RmtInf>
              <Ustrd>Chaps payment example</Ustrd>
            </RmtInf>
          </TxDtls>
        </NtryDtls>
      </Ntry>
    </Ntfctn>
  </BkToCstmrDbtCdtNtfctn>
</Document>
```

{% endtab %}
{% endtabs %}

##


---

# Agent Instructions
This documentation is published with GitBook. GitBook is the documentation platform designed so that both humans and AI agents can read, navigate, and reason over technical content effectively. Learn more at gitbook.com.

## Querying This Documentation
If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question.

Perform an HTTP GET request on the current page URL with the `ask` query parameter, and the optional `goal` query parameter:

```
GET https://docs.lhv.com/home/connect/services/payments/payment-examples/swift-payment.md?ask=<question>&goal=<endgoal>
```

`ask` is the immediate question: it should be specific, self-contained, and written in natural language.
`goal` is optional and describes the broader end goal you are ultimately trying to accomplish on behalf of the user. GitBook uses it to tailor the answer towards what is most useful for that goal.

The response will contain a direct answer to the question and relevant excerpts and sources from the documentation.

Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.