> 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/viban-payment-sepa-instant.md).

# 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.

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

{% code overflow="wrap" %}

```xml
<?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>
```

{% endcode %}
{% endtab %}

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

{% code overflow="wrap" %}

```xml
<?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>
```

{% endcode %}
{% endtab %}

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

{% code overflow="wrap" %}

```xml
<?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>
```

{% endcode %}
{% endtab %}

{% tab title="Transaction Notification" %}
Debit notification, camt.054.001.02.

{% code fullWidth="true" %}

```xml
<?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>
```

{% endcode %}
{% endtab %}
{% endtabs %}


---

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