<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 pain.001.001.09.xsd">
<CstmrCdtTrfInitn>
<!-- *******************************************
Group Header 
******************************************** -->
<GrpHdr>
<MsgId>CCT001-001</MsgId>
<CreDtTm>2025-06-26T08:07:00</CreDtTm>
<NbOfTxs>3</NbOfTxs>
<CtrlSum>6.60</CtrlSum>
<InitgPty>
<Nm>Firma Oy</Nm>
<PstlAdr>
<StrtNm>Street name</StrtNm><PstCd>000550</PstCd>
<TwnNm>TownName</TwnNm><Ctry>FI</Ctry>
</PstlAdr>
</InitgPty>
</GrpHdr>
<!-- *****************************************
Payment Information Structure 
********************************************* -->
<PmtInf>
<PmtInfId>123456-01</PmtInfId>
<PmtMtd>TRF</PmtMtd>
<NbOfTxs>3</NbOfTxs>
<CtrlSum>6.60</CtrlSum>
<PmtTpInf>
<InstrPrty>NORM</InstrPrty>
<SvcLvl><Cd>SEPA</Cd></SvcLvl>
</PmtTpInf>
<ReqdExctnDt><Dt>2025-09-27</Dt></ReqdExctnDt>
<Dbtr>
<Nm>Debtor Name</Nm>
<PstlAdr>
<StrtNm>Debtor street address</StrtNm><BldgNb>1</BldgNb><PstCd>123456</PstCd>
<TwnNm>Town name</TwnNm><Ctry>FI</Ctry>
</PstlAdr>
<Id><OrgId><Othr><Id>123456789</Id><SchmeNm><Cd>BANK</Cd></SchmeNm></Othr></OrgId></Id>
</Dbtr>
<DbtrAcct>
<Id><IBAN>FI5759991620000018</IBAN></Id>
</DbtrAcct>
<DbtrAgt>
<FinInstnId><BICFI>OKOYFIHH</BICFI><Othr><Id>NOTPROVIDED</Id></Othr></FinInstnId>
</DbtrAgt>
<ChrgBr>SLEV</ChrgBr>
<!-- ****************************************************
Credit Transfer Transaction Information Structure 
******************************************************* -->
<CdtTrfTxInf>
<!--  SEPA payment  -->
<PmtId>
<InstrId>ABC CCT001</InstrId>
<EndToEndId>ABC 26062025</EndToEndId>
</PmtId>
<PmtTpInf>
<InstrPrty>NORM</InstrPrty>
<SvcLvl><Cd>SEPA</Cd></SvcLvl>
</PmtTpInf>
<Amt><InstdAmt Ccy="EUR">1.10</InstdAmt></Amt>
<ChrgBr>SLEV</ChrgBr>
<CdtrAgt><FinInstnId><BICFI>OKOYFIHH</BICFI></FinInstnId></CdtrAgt>
<Cdtr>
<Nm>Creditor name</Nm>
<PstlAdr>
<Dept>Department</Dept><SubDept>Sub department</SubDept>
<StrtNm>Street name</StrtNm><BldgNb>1</BldgNb><BldgNm>Building name</BldgNm>
<Flr>2</Flr><PstBx>22</PstBx><Room>A212</Room><PstCd>12345</PstCd>
<TwnNm>Town</TwnNm><TwnLctnNm>Town location</TwnLctnNm>
<DstrctNm>District</DstrctNm><CtrySubDvsn>Sub division</CtrySubDvsn><Ctry>FI</Ctry>
</PstlAdr>
</Cdtr>
<CdtrAcct><Id><IBAN>FI6171307002020202</IBAN></Id></CdtrAcct>
<RmtInf>
<Strd><CdtrRefInf><Tp><CdOrPrtry><Cd>SCOR</Cd></CdOrPrtry></Tp><Ref>2348236</Ref></CdtrRefInf></Strd>
</RmtInf>
</CdtTrfTxInf>
<!--  SEPA instant credit transfer  -->
<CdtTrfTxInf>
<PmtId>
<InstrId>DEF CCT002</InstrId>
<EndToEndId>DEF 26062025</EndToEndId>
</PmtId>
<PmtTpInf>
<InstrPrty>NORM</InstrPrty>
<SvcLvl><Cd>SEPA</Cd></SvcLvl>
<LclInstrm><Cd>INST</Cd></LclInstrm>
</PmtTpInf>
<Amt><InstdAmt Ccy="EUR">2.20</InstdAmt></Amt>
<ChrgBr>SLEV</ChrgBr>
<CdtrAgt>
<FinInstnId><BICFI>OKOYFIHH</BICFI></FinInstnId>
</CdtrAgt>
<Cdtr>
<Nm>Creditor name</Nm>
<PstlAdr>
<StrtNm>Street name</StrtNm><BldgNb>1</BldgNb><BldgNm>Building name</BldgNm>
<PstCd>12345</PstCd><TwnNm>Town</TwnNm><Ctry>FI</Ctry></PstlAdr>
</Cdtr>
<CdtrAcct><Id><IBAN>FI6171307002020202</IBAN></Id></CdtrAcct>
<RmtInf>
<Strd>
<CdtrRefInf><Tp><CdOrPrtry><Cd>SCOR</Cd></CdOrPrtry><Issr>ISO</Issr></Tp><Ref>RF47892182916</Ref>
</CdtrRefInf>
</Strd>
</RmtInf>
</CdtTrfTxInf>
<!--  International payment order  -->
<CdtTrfTxInf>
<PmtId>
<InstrId>GHI CCT003</InstrId>
<EndToEndId>GHI 26062025</EndToEndId>
</PmtId>
<PmtTpInf>
<InstrPrty>NORM</InstrPrty>
<SvcLvl><Cd>NURG</Cd></SvcLvl>
</PmtTpInf>
<Amt><InstdAmt Ccy="GBP">3.30</InstdAmt></Amt>
<XchgRateInf><CtrctId>FF00123123</CtrctId></XchgRateInf>
<ChrgBr>SHAR</ChrgBr>
<CdtrAgt>
<FinInstnId><BICFI>IRVTUS3N</BICFI></FinInstnId>
</CdtrAgt>
<Cdtr>
<Nm>Creditor name</Nm>
<PstlAdr><StrtNm>Street name</StrtNm><TwnNm>Town</TwnNm><Ctry>GB</Ctry></PstlAdr>
</Cdtr>
<CdtrAcct><Id><Othr><Id>1231231</Id></Othr></Id></CdtrAcct>
<RmtInf><Ustrd>Message</Ustrd></RmtInf>
</CdtTrfTxInf>
</PmtInf>
</CstmrCdtTrfInitn>
</Document>