{
  "Document": {
    "CstmrCdtTrfInitn": {
      "GrpHdr": {
        "MsgId": "ELMRD-BACS-20260918",
        "CreDtTm": "2026-09-15T17:00:00",
        "NbOfTxs": "2",
        "CtrlSum": "5760.50",
        "InitgPty": {
          "Nm": "Elm Road Developments",
          "PstlAdr": {
            "PstCd": "SW1A 1AA",
            "TwnNm": "London",
            "Ctry": "GB",
            "AdrLine": [
              "14 Elm Road"
            ]
          },
          "Id": {
            "OrgId": {
              "Othr": [
                {
                  "Id": "654321",
                  "SchmeNm": {
                    "Prtry": "SUN"
                  }
                }
              ]
            }
          }
        }
      },
      "PmtInf": [
        {
          "PmtInfId": "BACS-20260918-01",
          "PmtMtd": "TRF",
          "BtchBookg": "true",
          "NbOfTxs": "2",
          "CtrlSum": "5760.50",
          "PmtTpInf": {
            "SvcLvl": {
              "Cd": "NURG"
            }
          },
          "ReqdExctnDt": "2026-09-18",
          "Dbtr": {
            "Nm": "Elm Road Developments",
            "PstlAdr": {
              "PstCd": "SW1A 1AA",
              "TwnNm": "London",
              "Ctry": "GB",
              "AdrLine": [
                "14 Elm Road"
              ]
            },
            "Id": {
              "OrgId": {
                "Othr": [
                  {
                    "Id": "654321",
                    "SchmeNm": {
                      "Prtry": "SUN"
                    }
                  }
                ]
              }
            }
          },
          "DbtrAcct": {
            "Id": {
              "Othr": {
                "Id": "12345678",
                "SchmeNm": {
                  "Cd": "BBAN"
                }
              }
            },
            "Ccy": "GBP"
          },
          "DbtrAgt": {
            "FinInstnId": {
              "BIC": "DYEMGBJ0",
              "ClrSysMmbId": {
                "ClrSysId": {
                  "Cd": "GBDSC"
                },
                "MmbId": "040004"
              },
              "PstlAdr": {
                "TwnNm": "London",
                "Ctry": "GB"
              }
            }
          },
          "ChrgBr": "SLEV",
          "CdtTrfTxInf": [
            {
              "PmtId": {
                "EndToEndId": "INV-0915-0042"
              },
              "Amt": {
                "InstdAmt": {
                  "amt": "4800.00",
                  "Ccy": "GBP"
                }
              },
              "CdtrAgt": {
                "FinInstnId": {
                  "BIC": "HERAGB80",
                  "ClrSysMmbId": {
                    "ClrSysId": {
                      "Cd": "GBDSC"
                    },
                    "MmbId": "200415"
                  },
                  "PstlAdr": {
                    "TwnNm": "Leeds",
                    "Ctry": "GB"
                  }
                }
              },
              "Cdtr": {
                "Nm": "Northgate Timber",
                "PstlAdr": {
                  "TwnNm": "Leeds",
                  "Ctry": "GB"
                }
              },
              "CdtrAcct": {
                "Id": {
                  "Othr": {
                    "Id": "87654321",
                    "SchmeNm": {
                      "Cd": "BBAN"
                    }
                  }
                }
              },
              "RmtInf": {
                "Ustrd": [
                  "INV-0915-0042"
                ]
              }
            },
            {
              "PmtId": {
                "EndToEndId": "INV-0915-0043"
              },
              "Amt": {
                "InstdAmt": {
                  "amt": "960.50",
                  "Ccy": "GBP"
                }
              },
              "CdtrAgt": {
                "FinInstnId": {
                  "BIC": "MROCGBF0",
                  "ClrSysMmbId": {
                    "ClrSysId": {
                      "Cd": "GBDSC"
                    },
                    "MmbId": "309634"
                  },
                  "PstlAdr": {
                    "TwnNm": "Bristol",
                    "Ctry": "GB"
                  }
                }
              },
              "Cdtr": {
                "Nm": "Avon Plant Hire",
                "PstlAdr": {
                  "TwnNm": "Bristol",
                  "Ctry": "GB"
                }
              },
              "CdtrAcct": {
                "Id": {
                  "Othr": {
                    "Id": "11223344",
                    "SchmeNm": {
                      "Cd": "BBAN"
                    }
                  }
                }
              },
              "RmtInf": {
                "Ustrd": [
                  "INV-0915-0043"
                ]
              }
            }
          ]
        }
      ]
    }
  }
}