VIBAN payment - SEPA Instant

This example illustrates SEPA Instant payment initiated through a pain.001 message using a VIBAN account. Once pain.001 is received, the system validates the message and its content.

An initial pain.002 response is returned to confirm whether the payment was accepted for processing. Upon successful execution, a second pain.002 message is issued to confirm settlement. A camt.054 debit notification follows, reflecting the final booking on the master account.

Pain.001.001.09 sent using POST https://connect.lhv.com/payment

<?xml version='1.0' encoding='UTF-8'?>
<Document xmlns="urn:iso:std:iso:20022:tech:xsd:pain.001.001.09"
    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">
    <CstmrCdtTrfInitn>
        <GrpHdr>
            <MsgId>MsgId2507224</MsgId>
            <CreDtTm>2025-07-23T16:36:27Z</CreDtTm>
            <NbOfTxs>1</NbOfTxs>
            <CtrlSum>1.00</CtrlSum>
            <InitgPty>
                <Nm>Connect Demo Customer 1</Nm>
            </InitgPty>
        </GrpHdr>
        <PmtInf>
            <PmtInfId>PmtInfId2507224</PmtInfId>
            <PmtMtd>TRF</PmtMtd>
            <BtchBookg>false</BtchBookg>
            <NbOfTxs>1</NbOfTxs>
            <CtrlSum>1.00</CtrlSum>
            <ReqdExctnDt>
                <Dt>2025-07-23</Dt>
            </ReqdExctnDt>
            <Dbtr>
                <Nm>Paul Atreides</Nm>
            </Dbtr>
            <DbtrAcct>
                <Id>
                    <IBAN>GB21LHVB04031512345679</IBAN>
                </Id>
            </DbtrAcct>
            <DbtrAgt>
                <FinInstnId>
                    <BICFI>LHVBGB2LXXX</BICFI>
                </FinInstnId>
            </DbtrAgt>
            <ChrgBr>SHAR</ChrgBr>
            <CdtTrfTxInf>
                <PmtId>
                    <InstrId>InstrId2507224</InstrId>
                    <EndToEndId>EndToEndId2507224</EndToEndId>
                </PmtId>
                <PmtTpInf>
                    <SvcLvl>
                        <Prtry>INST</Prtry>
                    </SvcLvl>
                </PmtTpInf>
                <Amt>
                    <InstdAmt Ccy="EUR">1.00</InstdAmt>
                </Amt>
                <ChrgBr>SHAR</ChrgBr>
                <CdtrAgt>
                    <FinInstnId>
                        <BICFI>CAIXESBBXXX</BICFI>
                    </FinInstnId>
                </CdtrAgt>
                <Cdtr>
                    <Nm>Katie Bell</Nm>
                </Cdtr>
                <CdtrAcct>
                    <Id>
                        <IBAN>ES9121000418450200051332</IBAN>
                    </Id>
                </CdtrAcct>
                <RmtInf>
                    <Ustrd>Payment Description</Ustrd>
                </RmtInf>
            </CdtTrfTxInf>
        </PmtInf>
    </CstmrCdtTrfInitn>
</Document>

Initial pain.002.001.10 with Accepted Settlement in Process (ACSP) status

<?xml version='1.0' encoding='UTF-8'?>
<Document xmlns="urn:iso:std:iso:20022:tech:xsd:pain.002.001.10">
  <CstmrPmtStsRpt>
    <GrpHdr>
      <MsgId>1000206110</MsgId>
      <CreDtTm>2025-07-23T16:37:37.617242</CreDtTm>
      <InitgPty>
        <Id>
          <OrgId>
            <AnyBIC>LHVBGB2LXXX</AnyBIC>
          </OrgId>
        </Id>
      </InitgPty>
    </GrpHdr>
    <OrgnlGrpInfAndSts>
      <OrgnlMsgId>MsgId2507224</OrgnlMsgId>
      <OrgnlMsgNmId>pain.001.001.09</OrgnlMsgNmId>
      <GrpSts>ACSP</GrpSts>
    </OrgnlGrpInfAndSts>
    <OrgnlPmtInfAndSts>
      <OrgnlPmtInfId>PmtInfId2507224</OrgnlPmtInfId>
      <PmtInfSts>ACSP</PmtInfSts>
      <TxInfAndSts>
        <OrgnlInstrId>InstrId2507224</OrgnlInstrId>
        <TxSts>ACSP</TxSts>
        <AcctSvcrRef>58BFF71612C34546BD2E6AD24542D016</AcctSvcrRef>
        <OrgnlTxRef>
          <Amt>
            <InstdAmt Ccy="EUR">1.00</InstdAmt>
          </Amt>
          <ReqdExctnDt>
            <Dt>2025-07-23</Dt>
          </ReqdExctnDt>
          <PmtTpInf>
            <SvcLvl>
              <Prtry>INST</Prtry>
            </SvcLvl>
          </PmtTpInf>
          <Dbtr>
            <Pty>
              <Nm>Paul Atreides</Nm>
            </Pty>
          </Dbtr>
          <DbtrAcct>
            <Id>
              <IBAN>GB21LHVB04031512345679</IBAN>
            </Id>
          </DbtrAcct>
          <DbtrAgt>
            <FinInstnId>
              <BICFI>LHVBGB2L</BICFI>
            </FinInstnId>
          </DbtrAgt>
          <CdtrAgt>
            <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'?>
<Document xmlns="urn:iso:std:iso:20022:tech:xsd:pain.002.001.10">
  <CstmrPmtStsRpt>
    <GrpHdr>
      <MsgId>1000206110</MsgId>
      <CreDtTm>2025-07-23T16:37:38.617242</CreDtTm>
      <InitgPty>
        <Id>
          <OrgId>
            <AnyBIC>LHVBGB2LXXX</AnyBIC>
          </OrgId>
        </Id>
      </InitgPty>
    </GrpHdr>
    <OrgnlGrpInfAndSts>
      <OrgnlMsgId>MsgId2507224</OrgnlMsgId>
      <OrgnlMsgNmId>pain.001.001.09</OrgnlMsgNmId>
      <GrpSts>ACSC</GrpSts>
    </OrgnlGrpInfAndSts>
    <OrgnlPmtInfAndSts>
      <OrgnlPmtInfId>PmtInfId2507224</OrgnlPmtInfId>
      <PmtInfSts>ACSP</PmtInfSts>
      <TxInfAndSts>
        <OrgnlInstrId>InstrId2507224</OrgnlInstrId>
        <TxSts>ACSP</TxSts>
        <AcctSvcrRef>58BFF71612C34546BD2E6AD24542D016</AcctSvcrRef>
        <OrgnlTxRef>
          <Amt>
            <InstdAmt Ccy="EUR">1.00</InstdAmt>
          </Amt>
          <ReqdExctnDt>
            <Dt>2025-07-23</Dt>
          </ReqdExctnDt>
          <PmtTpInf>
            <SvcLvl>
              <Prtry>INST</Prtry>
            </SvcLvl>
          </PmtTpInf>
          <Dbtr>
            <Pty>
              <Nm>Paul Atreides</Nm>
            </Pty>
          </Dbtr>
          <DbtrAcct>
            <Id>
              <IBAN>GB21LHVB04031512345679</IBAN>
            </Id>
          </DbtrAcct>
          <DbtrAgt>
            <FinInstnId>
              <BICFI>LHVBGB2L</BICFI>
            </FinInstnId>
          </DbtrAgt>
          <CdtrAgt>
            <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.

<?xml version='1.0' encoding='UTF-8'?>
<Document xmlns="urn:iso:std:iso:20022:tech:xsd:camt.054.001.02">
  <BkToCstmrDbtCdtNtfctn>
    <GrpHdr>
      <MsgId>g665a248a0254338a0a8fb53209b895b</MsgId>
      <CreDtTm>2025-07-23T16:52:11.979651</CreDtTm>
    </GrpHdr>
    <Ntfctn>
      <Id>g665a248a0254338a0a8fb53209b895bEUR</Id>
      <CreDtTm>2025-07-23T16:52:11.979796</CreDtTm>
      <Acct>
        <Id>
          <IBAN>GB20LHVB04031512345678</IBAN>
        </Id>
        <Ccy>EUR</Ccy>
        <Ownr>
          <Nm>Connect Demo Customer 1</Nm>
          <Id>
            <OrgId>
              <Othr>
                <Id>12345678998</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>2025-07-23</Dt>
        </BookgDt>
        <ValDt>
          <DtTm>2025-07-23T12:00:00Z</DtTm>
        </ValDt>
        <AcctSvcrRef>58BFF71612C34546BD2E6AD24542D016</AcctSvcrRef>
        <BkTxCd>
          <Domn>
            <Cd>PMNT</Cd>
            <Fmly>
              <Cd>ICDT</Cd>
              <SubFmlyCd>OTHR</SubFmlyCd>
            </Fmly>
          </Domn>
          <Prtry>
            <Cd>INST</Cd>
          </Prtry>
        </BkTxCd>
        <NtryDtls>
          <TxDtls>
            <Refs>
              <AcctSvcrRef>58BFF71612C34546BD2E6AD24542D016</AcctSvcrRef>
              <PmtInfId>PmtInfId2507224</PmtInfId>
              <InstrId>InstrId2507224</InstrId>
              <EndToEndId>EndToEndId2507224</EndToEndId>
            </Refs>
            <AmtDtls>
              <InstdAmt>
                <Amt Ccy="EUR">1.00</Amt>
              </InstdAmt>
              <TxAmt>
                <Amt Ccy="EUR">1.00</Amt>
              </TxAmt>
            </AmtDtls>
            <RltdPties>
              <Dbtr>
                <Nm>Paul Atreides</Nm>
              </Dbtr>
              <DbtrAcct>
                <Id>
                  <IBAN>GB21LHVB04031512345679</IBAN>
                </Id>
              </DbtrAcct>
              <Cdtr>
                <Nm>Katie Bell</Nm>
              </Cdtr>
              <CdtrAcct>
                <Id>
                  <IBAN>ES9121000418450200051332</IBAN>
                </Id>
              </CdtrAcct>
            </RltdPties>
            <RmtInf>
              <Ustrd>Payment Description</Ustrd>
            </RmtInf>
          </TxDtls>
        </NtryDtls>
      </Ntry>
    </Ntfctn>
  </BkToCstmrDbtCdtNtfctn>
</Document>

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<?xml version='1.0' encoding='UTF-8'?> <Document xmlns="urn:iso:std:iso:20022:tech:xsd:camt.054.001.02"> <BkToCstmrDbtCdtNtfctn> <GrpHdr> <MsgId>g665a248a0254338a0a8fb53209b895b</MsgId> <CreDtTm>2025-07-23T16:52:11.979651</CreDtTm> </GrpHdr> <Ntfctn> <Id>g665a248a0254338a0a8fb53209b895bEUR</Id> <CreDtTm>2025-07-23T16:52:11.979796</CreDtTm> <Acct> <Id> <IBAN>GB20LHVB04031512345678</IBAN> </Id> <Ccy>EUR</Ccy> <Ownr> <Nm>Connect Demo Customer 1</Nm> <Id> <OrgId> <Othr> <Id>12345678998</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>2025-07-23</Dt> </BookgDt> <ValDt> <DtTm>2025-07-23T12:00:00Z</DtTm> </ValDt> <AcctSvcrRef>58BFF71612C34546BD2E6AD24542D016</AcctSvcrRef> <BkTxCd> <Domn> <Cd>PMNT</Cd> <Fmly> <Cd>ICDT</Cd> <SubFmlyCd>OTHR</SubFmlyCd> </Fmly> </Domn> <Prtry> <Cd>INST</Cd> </Prtry> </BkTxCd> <NtryDtls> <TxDtls> <Refs> <AcctSvcrRef>58BFF71612C34546BD2E6AD24542D016</AcctSvcrRef> <PmtInfId>PmtInfId2507224</PmtInfId> <InstrId>InstrId2507224</InstrId> <EndToEndId>EndToEndId2507224</EndToEndId> </Refs> <AmtDtls> <InstdAmt> <Amt Ccy="EUR">1.00</Amt> </InstdAmt> <TxAmt> <Amt Ccy="EUR">1.00</Amt> </TxAmt> </AmtDtls> <RltdPties> <Dbtr> <Nm>Paul Atreides</Nm> </Dbtr> <DbtrAcct> <Id> <IBAN>GB21LHVB04031512345679</IBAN> </Id> </DbtrAcct> <Cdtr> <Nm>Katie Bell</Nm> </Cdtr> <CdtrAcct> <Id> <IBAN>ES9121000418450200051332</IBAN> </Id> </CdtrAcct> </RltdPties> <RmtInf> <Ustrd>Payment Description</Ustrd> </RmtInf> </TxDtls> </NtryDtls> </Ntry> </Ntfctn> </BkToCstmrDbtCdtNtfctn> </Document>