SWIFT Payment

This example demonstrates a single cross-border payment instruction within the pain.001 message. See Instructions for SWIFT Payment 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.

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: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>

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>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>

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>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>

Transaction Notification

Debit notification, camt.054.001.02.

<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>