<?xml version="1.0" encoding="UTF-8"?>
<xs:schema xmlns="urn:iso:std:iso:20022:tech:xsd:pacs.004.001.09"
    xmlns:xs="http://www.w3.org/2001/XMLSchema"
    targetNamespace="urn:iso:std:iso:20022:tech:xsd:pacs.004.001.09"
    elementFormDefault="qualified">
  <xs:element name="Document" type="Document_NPC012-01_2025_V1.1_NCT_Inst_InterPSP"/>
  <xs:complexType name="AccountIdentification4Choice">
    <xs:annotation>
      <xs:documentation xml:lang="EN" source="Name">Account Identification 4Choice</xs:documentation>
      <xs:documentation xml:lang="EN" source="Definition">Specifies the unique identification of an account as assigned by the account servicer.</xs:documentation>
    </xs:annotation>
    <xs:choice>
      <xs:element name="IBAN" type="IBAN2007Identifier">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">IBAN</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">International Bank Account Number (IBAN) - identifier used internationally by financial institutions to uniquely identify the account of a customer. Further specifications of the format and content of the IBAN can be found in the standard ISO 13616 "Banking and related financial services - International Bank Account Number (IBAN)" version 1997-10-01, or later revisions.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="Othr" type="GenericAccountIdentification1">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">Other</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">Unique identification of an account, as assigned by the account servicer, using an identification scheme.</xs:documentation>
        </xs:annotation>
      </xs:element>
    </xs:choice>
  </xs:complexType>
  <xs:complexType name="AccountIdentification4Choice_NPC012-01_2025_V1.1_NCT_Inst_InterPSP">
    <xs:complexContent>
      <xs:restriction base="AccountIdentification4Choice">
        <xs:choice>
          <xs:element name="IBAN" type="IBAN2007Identifier">
            <xs:annotation>
              <xs:documentation source="Yellow Field"/>
              <xs:documentation xml:lang="EN" source="Rulebook">AT-D001 The IBAN of the account of the Originator.</xs:documentation>
              <xs:documentation source="Usage Rule">Mandatory.</xs:documentation>
              <xs:documentation source="Usage Rule">Only IBAN is allowed.</xs:documentation>
            </xs:annotation>
          </xs:element>
        </xs:choice>
      </xs:restriction>
    </xs:complexContent>
  </xs:complexType>
  <xs:complexType name="AccountIdentification4Choice_NPC012-01_2025_V1.1_NCT_Inst_InterPSP_2">
    <xs:complexContent>
      <xs:restriction base="AccountIdentification4Choice">
        <xs:choice>
          <xs:element name="IBAN" type="IBAN2007Identifier">
            <xs:annotation>
              <xs:documentation source="Yellow Field"/>
              <xs:documentation xml:lang="EN" source="Rulebook">AT-C001 The IBAN of the account of the Beneficiary.</xs:documentation>
              <xs:documentation source="Usage Rule">Mandatory.</xs:documentation>
              <xs:documentation source="Usage Rule">Only IBAN is allowed.</xs:documentation>
            </xs:annotation>
          </xs:element>
        </xs:choice>
      </xs:restriction>
    </xs:complexContent>
  </xs:complexType>
  <xs:complexType name="AccountSchemeName1Choice">
    <xs:annotation>
      <xs:documentation xml:lang="EN" source="Name">Account Scheme Name 1Choice</xs:documentation>
      <xs:documentation xml:lang="EN" source="Definition">Sets of elements to identify a name of the identification scheme.</xs:documentation>
    </xs:annotation>
    <xs:choice>
      <xs:element name="Cd" type="ExternalAccountIdentification1Code">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">Code</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">Name of the identification scheme, in a coded form as published in an external list.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="Prtry" type="Max35Text">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">Proprietary</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">Name of the identification scheme, in a free text form.</xs:documentation>
        </xs:annotation>
      </xs:element>
    </xs:choice>
  </xs:complexType>
  <xs:complexType name="ActiveCurrencyAndAmount">
    <xs:annotation>
      <xs:documentation xml:lang="EN" source="Name">Active Currency And Amount</xs:documentation>
      <xs:documentation xml:lang="EN" source="Definition">A number of monetary units specified in an active currency where the unit of currency is explicit and compliant with ISO 4217.</xs:documentation>
    </xs:annotation>
    <xs:simpleContent>
      <xs:extension base="ActiveCurrencyAndAmount_SimpleType">
        <xs:attribute name="Ccy" type="ActiveCurrencyCode" use="required">
          <xs:annotation>
            <xs:documentation xml:lang="EN" source="Name">Currency</xs:documentation>
            <xs:documentation xml:lang="EN" source="Definition">A code allocated to a currency by a Maintenance Agency under an international identification scheme as described in the latest edition of the international standard ISO 4217 "Codes for the representation of currencies and funds".</xs:documentation>
          </xs:annotation>
        </xs:attribute>
      </xs:extension>
    </xs:simpleContent>
  </xs:complexType>
  <xs:complexType name="ActiveCurrencyAndAmount_NPC012-01_2025_V1.1_NCT_Inst_InterPSP">
    <xs:simpleContent>
      <xs:restriction base="ActiveCurrencyAndAmount">
        <xs:maxInclusive value="999999999999999.99"/>
        <xs:minInclusive value="0.01"/>
        <xs:fractionDigits value="2"/>
        <xs:attribute name="Ccy" type="ActiveCurrencyCode_NPC012-01_2025_V1.1_NCT_Inst_InterPSP" use="required"/>
      </xs:restriction>
    </xs:simpleContent>
  </xs:complexType>
  <xs:complexType name="ActiveCurrencyAndAmount_NPC012-01_2025_V1.1_NCT_Inst_InterPSP_2">
    <xs:simpleContent>
      <xs:restriction base="ActiveCurrencyAndAmount">
        <xs:maxInclusive value="99999999999.99"/>
        <xs:minInclusive value="0.01"/>
        <xs:fractionDigits value="2"/>
        <xs:attribute name="Ccy" type="ActiveCurrencyCode_NPC012-01_2025_V1.1_NCT_Inst_InterPSP" use="required"/>
      </xs:restriction>
    </xs:simpleContent>
  </xs:complexType>
  <xs:simpleType name="ActiveCurrencyAndAmount_SimpleType">
    <xs:annotation>
      <xs:documentation xml:lang="EN" source="Name">Active Currency And Amount _Simple Type</xs:documentation>
      <xs:documentation xml:lang="EN" source="Definition">A number of monetary units specified in an active currency where the unit of currency is explicit and compliant with ISO 4217.</xs:documentation>
    </xs:annotation>
    <xs:restriction base="xs:decimal">
      <xs:minInclusive value="0"/>
      <xs:totalDigits value="18"/>
      <xs:fractionDigits value="5"/>
    </xs:restriction>
  </xs:simpleType>
  <xs:simpleType name="ActiveCurrencyCode">
    <xs:annotation>
      <xs:documentation xml:lang="EN" source="Name">Active Currency Code</xs:documentation>
      <xs:documentation xml:lang="EN" source="Definition">A code allocated to a currency by a Maintenance Agency under an international identification scheme as described in the latest edition of the international standard ISO 4217 "Codes for the representation of currencies and funds".</xs:documentation>
    </xs:annotation>
    <xs:restriction base="xs:string">
      <xs:pattern value="[A-Z]{3,3}"/>
    </xs:restriction>
  </xs:simpleType>
  <xs:simpleType name="ActiveCurrencyCode_NPC012-01_2025_V1.1_NCT_Inst_InterPSP">
    <xs:restriction base="ActiveCurrencyCode">
      <xs:enumeration value="DKK">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">Danish Krone</xs:documentation>
        </xs:annotation>
      </xs:enumeration>
      <xs:enumeration value="NOK">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">Norwegian Krone</xs:documentation>
        </xs:annotation>
      </xs:enumeration>
      <xs:enumeration value="SEK">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">Swedish Krona</xs:documentation>
        </xs:annotation>
      </xs:enumeration>
    </xs:restriction>
  </xs:simpleType>
  <xs:complexType name="ActiveOrHistoricCurrencyAndAmount">
    <xs:annotation>
      <xs:documentation xml:lang="EN" source="Name">Active Or Historic Currency And Amount</xs:documentation>
      <xs:documentation xml:lang="EN" source="Definition">A number of monetary units specified in an active or a historic currency where the unit of currency is explicit and compliant with ISO 4217.</xs:documentation>
    </xs:annotation>
    <xs:simpleContent>
      <xs:extension base="ActiveOrHistoricCurrencyAndAmount_SimpleType">
        <xs:attribute name="Ccy" type="ActiveOrHistoricCurrencyCode" use="required">
          <xs:annotation>
            <xs:documentation xml:lang="EN" source="Name">Currency</xs:documentation>
            <xs:documentation xml:lang="EN" source="Definition">A code allocated to a currency by a Maintenance Agency under an international identification scheme, as described in the latest edition of the international standard ISO 4217 "Codes for the representation of currencies and funds".</xs:documentation>
          </xs:annotation>
        </xs:attribute>
      </xs:extension>
    </xs:simpleContent>
  </xs:complexType>
  <xs:complexType name="ActiveOrHistoricCurrencyAndAmount_NPC012-01_2025_V1.1_NCT_Inst_InterPSP">
    <xs:simpleContent>
      <xs:restriction base="ActiveOrHistoricCurrencyAndAmount">
        <xs:maxInclusive value="99999999999.99"/>
        <xs:minInclusive value="0.01"/>
        <xs:fractionDigits value="2"/>
        <xs:attribute name="Ccy" type="ActiveOrHistoricCurrencyCode_NPC012-01_2025_V1.1_NCT_Inst_InterPSP" use="required"/>
      </xs:restriction>
    </xs:simpleContent>
  </xs:complexType>
  <xs:complexType name="ActiveOrHistoricCurrencyAndAmount_NPC012-01_2025_V1.1_NCT_Inst_InterPSP_2">
    <xs:simpleContent>
      <xs:restriction base="ActiveOrHistoricCurrencyAndAmount">
        <xs:maxInclusive value="99999999999.99"/>
        <xs:minInclusive value="0.01"/>
        <xs:fractionDigits value="2"/>
        <xs:attribute name="Ccy" type="ActiveOrHistoricCurrencyCode" use="required"/>
      </xs:restriction>
    </xs:simpleContent>
  </xs:complexType>
  <xs:simpleType name="ActiveOrHistoricCurrencyAndAmount_SimpleType">
    <xs:annotation>
      <xs:documentation xml:lang="EN" source="Name">Active Or Historic Currency And Amount _Simple Type</xs:documentation>
      <xs:documentation xml:lang="EN" source="Definition">A number of monetary units specified in an active or a historic currency where the unit of currency is explicit and compliant with ISO 4217.</xs:documentation>
    </xs:annotation>
    <xs:restriction base="xs:decimal">
      <xs:minInclusive value="0"/>
      <xs:totalDigits value="18"/>
      <xs:fractionDigits value="5"/>
    </xs:restriction>
  </xs:simpleType>
  <xs:simpleType name="ActiveOrHistoricCurrencyCode">
    <xs:annotation>
      <xs:documentation xml:lang="EN" source="Name">Active Or Historic Currency Code</xs:documentation>
      <xs:documentation xml:lang="EN" source="Definition">A code allocated to a currency by a Maintenance Agency under an international identification scheme, as described in the latest edition of the international standard ISO 4217 "Codes for the representation of currencies and funds".</xs:documentation>
    </xs:annotation>
    <xs:restriction base="xs:string">
      <xs:pattern value="[A-Z]{3,3}"/>
    </xs:restriction>
  </xs:simpleType>
  <xs:simpleType name="ActiveOrHistoricCurrencyCode_NPC012-01_2025_V1.1_NCT_Inst_InterPSP">
    <xs:restriction base="ActiveOrHistoricCurrencyCode">
      <xs:enumeration value="DKK">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">Danish Krone</xs:documentation>
        </xs:annotation>
      </xs:enumeration>
      <xs:enumeration value="NOK">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">Norwegian Krone</xs:documentation>
        </xs:annotation>
      </xs:enumeration>
      <xs:enumeration value="SEK">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">Swedish Krona</xs:documentation>
        </xs:annotation>
      </xs:enumeration>
    </xs:restriction>
  </xs:simpleType>
  <xs:complexType name="AmountType4Choice">
    <xs:annotation>
      <xs:documentation xml:lang="EN" source="Name">Amount Type 4Choice</xs:documentation>
      <xs:documentation xml:lang="EN" source="Definition">Specifies the amount of money to be moved between the debtor and creditor, before deduction of charges, expressed in the currency as ordered by the initiating party.</xs:documentation>
    </xs:annotation>
    <xs:choice>
      <xs:element name="InstdAmt" type="ActiveOrHistoricCurrencyAndAmount">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">Instructed Amount</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">
Amount of money to be moved between the debtor and creditor, before deduction of charges, expressed in the currency as ordered by the initiating party.

Usage: This amount has to be transported unchanged through the transaction chain.
          </xs:documentation>
        </xs:annotation>
      </xs:element>
    </xs:choice>
  </xs:complexType>
  <xs:complexType name="AmountType4Choice_NPC012-01_2025_V1.1_NCT_Inst_InterPSP">
    <xs:complexContent>
      <xs:restriction base="AmountType4Choice">
        <xs:choice>
          <xs:element name="InstdAmt" type="ActiveOrHistoricCurrencyAndAmount_NPC012-01_2025_V1.1_NCT_Inst_InterPSP_2">
            <xs:annotation>
              <xs:documentation source="Yellow Field"/>
              <xs:documentation xml:lang="EN" source="Rulebook">AT-T003 The Initial Amount of the NCT Inst transaction ordered by the Originator.</xs:documentation>
              <xs:documentation xml:lang="EN" source="Rulebook">AT-T004 Currency of the Initial Amount</xs:documentation>
            </xs:annotation>
          </xs:element>
        </xs:choice>
      </xs:restriction>
    </xs:complexContent>
  </xs:complexType>
  <xs:simpleType name="AnyBICDec2014Identifier">
    <xs:annotation>
      <xs:documentation xml:lang="EN" source="Name">Any BICDec 2014Identifier</xs:documentation>
      <xs:documentation xml:lang="EN" source="Definition">Code allocated to a financial or non-financial institution by the ISO 9362 Registration Authority, as described in ISO 9362: 2014 - "Banking - Banking telecommunication messages - Business identifier code (BIC)".</xs:documentation>
    </xs:annotation>
    <xs:restriction base="xs:string">
      <xs:pattern value="[A-Z0-9]{4,4}[A-Z]{2,2}[A-Z0-9]{2,2}([A-Z0-9]{3,3}){0,1}"/>
    </xs:restriction>
  </xs:simpleType>
  <xs:simpleType name="BaseOneRate">
    <xs:annotation>
      <xs:documentation xml:lang="EN" source="Name">Base One Rate</xs:documentation>
      <xs:documentation xml:lang="EN" source="Definition">Rate expressed as a decimal, for example, 0.7 is 7/10 and 70%.</xs:documentation>
    </xs:annotation>
    <xs:restriction base="xs:decimal">
      <xs:totalDigits value="11"/>
      <xs:fractionDigits value="10"/>
    </xs:restriction>
  </xs:simpleType>
  <xs:simpleType name="BICFIDec2014Identifier">
    <xs:annotation>
      <xs:documentation xml:lang="EN" source="Name">BICFIDec 2014Identifier</xs:documentation>
      <xs:documentation xml:lang="EN" source="Definition">Code allocated to a financial institution by the ISO 9362 Registration Authority as described in ISO 9362: 2014 - "Banking - Banking telecommunication messages - Business identifier code (BIC)".</xs:documentation>
    </xs:annotation>
    <xs:restriction base="xs:string">
      <xs:pattern value="[A-Z0-9]{4,4}[A-Z]{2,2}[A-Z0-9]{2,2}([A-Z0-9]{3,3}){0,1}"/>
    </xs:restriction>
  </xs:simpleType>
  <xs:complexType name="BranchAndFinancialInstitutionIdentification6">
    <xs:annotation>
      <xs:documentation xml:lang="EN" source="Name">Branch And Financial Institution Identification 6</xs:documentation>
      <xs:documentation xml:lang="EN" source="Definition">Unique and unambiguous identification of a financial institution or a branch of a financial institution.</xs:documentation>
    </xs:annotation>
    <xs:sequence>
      <xs:element name="FinInstnId" type="FinancialInstitutionIdentification18">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">Financial Institution Identification</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">Unique and unambiguous identification of a financial institution, as assigned under an internationally recognised or proprietary identification scheme.</xs:documentation>
        </xs:annotation>
      </xs:element>
    </xs:sequence>
  </xs:complexType>
  <xs:complexType name="BranchAndFinancialInstitutionIdentification6_NPC012-01_2025_V1.1_NCT_Inst_InterPSP">
    <xs:complexContent>
      <xs:restriction base="BranchAndFinancialInstitutionIdentification6">
        <xs:sequence>
          <xs:element name="FinInstnId" type="FinancialInstitutionIdentification18_NPC012-01_2025_V1.1_NCT_Inst_InterPSP"/>
        </xs:sequence>
      </xs:restriction>
    </xs:complexContent>
  </xs:complexType>
  <xs:complexType name="BranchAndFinancialInstitutionIdentification6_NPC012-01_2025_V1.1_NCT_Inst_InterPSP_2">
    <xs:complexContent>
      <xs:restriction base="BranchAndFinancialInstitutionIdentification6">
        <xs:sequence>
          <xs:element name="FinInstnId" type="FinancialInstitutionIdentification18_NPC012-01_2025_V1.1_NCT_Inst_InterPSP">
            <xs:annotation>
              <xs:documentation source="Yellow Field"/>
              <xs:documentation xml:lang="EN" source="Rulebook">AT-C002 The BIC code of the Beneficiary PSP.</xs:documentation>
              <xs:documentation source="Usage Rule">Only BICFI is allowed.</xs:documentation>
            </xs:annotation>
          </xs:element>
        </xs:sequence>
      </xs:restriction>
    </xs:complexContent>
  </xs:complexType>
  <xs:complexType name="CashAccount38">
    <xs:annotation>
      <xs:documentation xml:lang="EN" source="Name">Cash Account 38</xs:documentation>
      <xs:documentation xml:lang="EN" source="Definition">Provides the details to identify an account.</xs:documentation>
    </xs:annotation>
    <xs:sequence>
      <xs:element name="Id" type="AccountIdentification4Choice">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">Identification</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">Unique and unambiguous identification for the account between the account owner and the account servicer.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="Tp" type="CashAccountType2Choice" minOccurs="0">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">Type</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">Specifies the nature, or use of the account.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="Ccy" type="ActiveOrHistoricCurrencyCode" minOccurs="0">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">Currency</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">
Identification of the currency in which the account is held. 

Usage: Currency should only be used in case one and the same account number covers several currencies
and the initiating party needs to identify which currency needs to be used for settlement on the account.
          </xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="Nm" type="Max70Text" minOccurs="0">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">Name</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">
Name of the account, as assigned by the account servicing institution, in agreement with the account owner in order to provide an additional means of identification of the account.

Usage: The account name is different from the account owner name. The account name is used in certain user communities to provide a means of identifying the account, in addition to the account owner's identity and the account number.
          </xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="Prxy" type="ProxyAccountIdentification1" minOccurs="0">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">Proxy</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">Specifies an alternate assumed name for the identification of the account.</xs:documentation>
        </xs:annotation>
      </xs:element>
    </xs:sequence>
  </xs:complexType>
  <xs:complexType name="CashAccount38_NPC012-01_2025_V1.1_NCT_Inst_InterPSP">
    <xs:complexContent>
      <xs:restriction base="CashAccount38">
        <xs:sequence>
          <xs:element name="Id" type="AccountIdentification4Choice"/>
        </xs:sequence>
      </xs:restriction>
    </xs:complexContent>
  </xs:complexType>
  <xs:complexType name="CashAccount38_NPC012-01_2025_V1.1_NCT_Inst_InterPSP_2">
    <xs:complexContent>
      <xs:restriction base="CashAccount38">
        <xs:sequence>
          <xs:element name="Id" type="AccountIdentification4Choice_NPC012-01_2025_V1.1_NCT_Inst_InterPSP">
            <xs:annotation>
              <xs:documentation source="Yellow Field"/>
              <xs:documentation source="Usage Rule">Only IBAN is allowed.</xs:documentation>
            </xs:annotation>
          </xs:element>
          <xs:element name="Tp" type="CashAccountType2Choice_NPC012-01_2025_V1.1_NCT_Inst_InterPSP" minOccurs="0">
            <xs:annotation>
              <xs:documentation source="White Field"/>
            </xs:annotation>
          </xs:element>
          <xs:element name="Ccy" type="ActiveOrHistoricCurrencyCode" minOccurs="0">
            <xs:annotation>
              <xs:documentation source="Yellow Field"/>
            </xs:annotation>
          </xs:element>
          <xs:element name="Nm" type="Max70Text" minOccurs="0">
            <xs:annotation>
              <xs:documentation source="White Field"/>
            </xs:annotation>
          </xs:element>
          <xs:element name="Prxy" type="ProxyAccountIdentification1_NPC012-01_2025_V1.1_NCT_Inst_InterPSP" minOccurs="0">
            <xs:annotation>
              <xs:documentation xml:lang="EN" source="Rulebook">AT-P003 The Proxy/Alias of the account of the Originator</xs:documentation>
              <xs:documentation source="Usage Rule">Mandatory if Debtor Account is identified by an Alias or Proxy in the original payment instruction.</xs:documentation>
              <xs:documentation source="Usage Rule">“Sub-element ’Identification’ is limited to 320 characters in length.”</xs:documentation>
              <xs:documentation source="Yellow Field"/>
            </xs:annotation>
          </xs:element>
        </xs:sequence>
      </xs:restriction>
    </xs:complexContent>
  </xs:complexType>
  <xs:complexType name="CashAccount38_NPC012-01_2025_V1.1_NCT_Inst_InterPSP_3">
    <xs:complexContent>
      <xs:restriction base="CashAccount38">
        <xs:sequence>
          <xs:element name="Id" type="AccountIdentification4Choice_NPC012-01_2025_V1.1_NCT_Inst_InterPSP_2">
            <xs:annotation>
              <xs:documentation source="Yellow Field"/>
              <xs:documentation source="Usage Rule">Only IBAN is allowed.</xs:documentation>
            </xs:annotation>
          </xs:element>
          <xs:element name="Tp" type="CashAccountType2Choice_NPC012-01_2025_V1.1_NCT_Inst_InterPSP" minOccurs="0">
            <xs:annotation>
              <xs:documentation source="White Field"/>
            </xs:annotation>
          </xs:element>
          <xs:element name="Ccy" type="ActiveOrHistoricCurrencyCode" minOccurs="0">
            <xs:annotation>
              <xs:documentation source="Yellow Field"/>
            </xs:annotation>
          </xs:element>
          <xs:element name="Nm" type="Max70Text" minOccurs="0">
            <xs:annotation>
              <xs:documentation source="White Field"/>
            </xs:annotation>
          </xs:element>
          <xs:element name="Prxy" type="ProxyAccountIdentification1_NPC012-01_2025_V1.1_NCT_Inst_InterPSP_2" minOccurs="0">
            <xs:annotation>
              <xs:documentation xml:lang="EN" source="Rulebook">AT-E003 The Proxy/Alias of the account of the Beneficiary</xs:documentation>
              <xs:documentation source="Usage Rule">Mandatory if Creditor Account is identified by an Alias or Proxy in the original payment instruction.</xs:documentation>
              <xs:documentation source="Usage Rule">“Sub-element ’Identification’ is limited to 320 characters in length.”</xs:documentation>
              <xs:documentation source="Yellow Field"/>
            </xs:annotation>
          </xs:element>
        </xs:sequence>
      </xs:restriction>
    </xs:complexContent>
  </xs:complexType>
  <xs:complexType name="CashAccountType2Choice">
    <xs:annotation>
      <xs:documentation xml:lang="EN" source="Name">Cash Account Type 2Choice</xs:documentation>
      <xs:documentation xml:lang="EN" source="Definition">Nature or use of the account.</xs:documentation>
    </xs:annotation>
    <xs:choice>
      <xs:element name="Cd" type="ExternalCashAccountType1Code">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">Code</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">Account type, in a coded form.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="Prtry" type="Max35Text">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">Proprietary</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">Nature or use of the account in a proprietary form.</xs:documentation>
        </xs:annotation>
      </xs:element>
    </xs:choice>
  </xs:complexType>
  <xs:complexType name="CashAccountType2Choice_NPC012-01_2025_V1.1_NCT_Inst_InterPSP">
    <xs:complexContent>
      <xs:restriction base="CashAccountType2Choice">
        <xs:choice>
          <xs:element name="Cd" type="ExternalCashAccountType1Code">
            <xs:annotation>
              <xs:documentation source="White Field"/>
            </xs:annotation>
          </xs:element>
          <xs:element name="Prtry" type="Max35Text">
            <xs:annotation>
              <xs:documentation source="White Field"/>
            </xs:annotation>
          </xs:element>
        </xs:choice>
      </xs:restriction>
    </xs:complexContent>
  </xs:complexType>
  <xs:complexType name="CategoryPurpose1Choice">
    <xs:annotation>
      <xs:documentation xml:lang="EN" source="Name">Category Purpose 1Choice</xs:documentation>
      <xs:documentation xml:lang="EN" source="Definition">
Specifies the high level purpose of the instruction based on a set of pre-defined categories.
Usage: This is used by the initiating party to provide information concerning the processing of the payment. It is likely to trigger special processing by any of the agents involved in the payment chain.
      </xs:documentation>
    </xs:annotation>
    <xs:choice>
      <xs:element name="Cd" type="ExternalCategoryPurpose1Code">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">Code</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">Category purpose, as published in an external category purpose code list.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="Prtry" type="Max35Text">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">Proprietary</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">Category purpose, in a proprietary form.</xs:documentation>
        </xs:annotation>
      </xs:element>
    </xs:choice>
  </xs:complexType>
  <xs:simpleType name="ChargeBearerType1Code">
    <xs:annotation>
      <xs:documentation xml:lang="EN" source="Name">Charge Bearer Type 1Code</xs:documentation>
      <xs:documentation xml:lang="EN" source="Definition">Specifies which party(ies) will pay charges due for processing of the instruction.</xs:documentation>
    </xs:annotation>
    <xs:restriction base="xs:string">
      <xs:enumeration value="SHAR">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">Shared</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">In a credit transfer context, means that transaction charges on the sender side are to be borne by the debtor, transaction charges on the receiver side are to be borne by the creditor. In a direct debit context, means that transaction charges on the sender side are to be borne by the creditor, transaction charges on the receiver side are to be borne by the debtor.</xs:documentation>
        </xs:annotation>
      </xs:enumeration>
      <xs:enumeration value="SLEV">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">FollowingServiceLevel</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">Charges are to be applied following the rules agreed in the service level and/or scheme.</xs:documentation>
        </xs:annotation>
      </xs:enumeration>
    </xs:restriction>
  </xs:simpleType>
  <xs:complexType name="Charges7">
    <xs:annotation>
      <xs:documentation xml:lang="EN" source="Name">Charges 7</xs:documentation>
      <xs:documentation xml:lang="EN" source="Definition">Provides information on the charges related to the payment transaction.</xs:documentation>
    </xs:annotation>
    <xs:sequence>
      <xs:element name="Amt" type="ActiveOrHistoricCurrencyAndAmount">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">Amount</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">Transaction charges to be paid by the charge bearer.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="Agt" type="BranchAndFinancialInstitutionIdentification6">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">Agent</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">Agent that takes the transaction charges or to which the transaction charges are due.</xs:documentation>
        </xs:annotation>
      </xs:element>
    </xs:sequence>
  </xs:complexType>
  <xs:complexType name="Charges7_NPC012-01_2025_V1.1_NCT_Inst_InterPSP">
    <xs:complexContent>
      <xs:restriction base="Charges7">
        <xs:sequence>
          <xs:element name="Amt" type="ActiveOrHistoricCurrencyAndAmount_NPC012-01_2025_V1.1_NCT_Inst_InterPSP">
            <xs:annotation>
              <xs:documentation source="Yellow Field"/>
              <xs:documentation xml:lang="EN" source="Rulebook">AT-R055 The fee for the positive response to the Recall in the relevant Scheme Currency and the relevant currency code.</xs:documentation>
              <xs:documentation source="Usage Rule">Only ‘Scheme Currencies’ is allowed.</xs:documentation>
              <xs:documentation source="Format Rule">Amount must be 0.01 or more and 99999999999.99 or less.</xs:documentation>
              <xs:documentation source="Format Rule">The fractional part has a maximum of two digits.</xs:documentation>
            </xs:annotation>
          </xs:element>
          <xs:element name="Agt" type="BranchAndFinancialInstitutionIdentification6_NPC012-01_2025_V1.1_NCT_Inst_InterPSP_2">
            <xs:annotation>
              <xs:documentation source="Yellow Field"/>
            </xs:annotation>
          </xs:element>
        </xs:sequence>
      </xs:restriction>
    </xs:complexContent>
  </xs:complexType>
  <xs:complexType name="ClearingSystemIdentification3Choice">
    <xs:annotation>
      <xs:documentation xml:lang="EN" source="Name">Clearing System Identification 3Choice</xs:documentation>
      <xs:documentation xml:lang="EN" source="Definition">Specifies the clearing system identification.</xs:documentation>
    </xs:annotation>
    <xs:choice>
      <xs:element name="Cd" type="ExternalCashClearingSystem1Code">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">Code</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">Infrastructure through which the payment instruction is processed, as published in an external clearing system identification code list.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="Prtry" type="Max35Text">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">Proprietary</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">Clearing system identification in a proprietary form.</xs:documentation>
        </xs:annotation>
      </xs:element>
    </xs:choice>
  </xs:complexType>
  <xs:complexType name="ClearingSystemIdentification3Choice_NPC012-01_2025_V1.1_NCT_Inst_InterPSP">
    <xs:complexContent>
      <xs:restriction base="ClearingSystemIdentification3Choice">
        <xs:choice>
          <xs:element name="Cd" type="ExternalCashClearingSystem1Code">
            <xs:annotation>
              <xs:documentation source="Yellow Field"/>
            </xs:annotation>
          </xs:element>
          <xs:element name="Prtry" type="Max35Text">
            <xs:annotation>
              <xs:documentation source="Yellow Field"/>
            </xs:annotation>
          </xs:element>
        </xs:choice>
      </xs:restriction>
    </xs:complexContent>
  </xs:complexType>
  <xs:simpleType name="CountryCode">
    <xs:annotation>
      <xs:documentation xml:lang="EN" source="Name">Country Code</xs:documentation>
      <xs:documentation xml:lang="EN" source="Definition">Code to identify a country, a dependency, or another area of particular geopolitical interest, on the basis of country names obtained from the United Nations (ISO 3166, Alpha-2 code).</xs:documentation>
    </xs:annotation>
    <xs:restriction base="xs:string">
      <xs:pattern value="[A-Z]{2,2}"/>
    </xs:restriction>
  </xs:simpleType>
  <xs:simpleType name="CreditDebitCode">
    <xs:annotation>
      <xs:documentation xml:lang="EN" source="Name">Credit Debit Code</xs:documentation>
      <xs:documentation xml:lang="EN" source="Definition">Specifies if an operation is an increase or a decrease.</xs:documentation>
    </xs:annotation>
    <xs:restriction base="xs:string">
      <xs:enumeration value="CRDT">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">Credit</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">Operation is an increase.</xs:documentation>
        </xs:annotation>
      </xs:enumeration>
      <xs:enumeration value="DBIT">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">Debit</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">Operation is a decrease.</xs:documentation>
        </xs:annotation>
      </xs:enumeration>
    </xs:restriction>
  </xs:simpleType>
  <xs:complexType name="CreditorReferenceInformation2">
    <xs:annotation>
      <xs:documentation xml:lang="EN" source="Name">Creditor Reference Information 2</xs:documentation>
      <xs:documentation xml:lang="EN" source="Definition">Reference information provided by the creditor to allow the identification of the underlying documents.</xs:documentation>
    </xs:annotation>
    <xs:sequence>
      <xs:element name="Tp" type="CreditorReferenceType2">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">Type</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">Specifies the type of creditor reference.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="Ref" type="Max35Text">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">Reference</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">
Unique reference, as assigned by the creditor, to unambiguously refer to the payment transaction.

Usage: If available, the initiating party should provide this reference in the structured remittance information, to enable reconciliation by the creditor upon receipt of the amount of money.

If the business context requires the use of a creditor reference or a payment remit identification, and only one identifier can be passed through the end-to-end chain, the creditor's reference or payment remittance identification should be quoted in the end-to-end transaction identification.
          </xs:documentation>
        </xs:annotation>
      </xs:element>
    </xs:sequence>
  </xs:complexType>
  <xs:complexType name="CreditorReferenceInformation2_NPC012-01_2025_V1.1_NCT_Inst_InterPSP">
    <xs:complexContent>
      <xs:restriction base="CreditorReferenceInformation2">
        <xs:sequence>
          <xs:element name="Tp" type="CreditorReferenceType2"/>
          <xs:element name="Ref" type="Max35Text"/>
        </xs:sequence>
      </xs:restriction>
    </xs:complexContent>
  </xs:complexType>
  <xs:complexType name="CreditorReferenceType1Choice">
    <xs:annotation>
      <xs:documentation xml:lang="EN" source="Name">Creditor Reference Type 1Choice</xs:documentation>
      <xs:documentation xml:lang="EN" source="Definition">Specifies the type of document referred by the creditor.</xs:documentation>
    </xs:annotation>
    <xs:choice>
      <xs:element name="Cd" type="DocumentType3Code">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">Code</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">Type of creditor reference, in a coded form.</xs:documentation>
        </xs:annotation>
      </xs:element>
    </xs:choice>
  </xs:complexType>
  <xs:complexType name="CreditorReferenceType2">
    <xs:annotation>
      <xs:documentation xml:lang="EN" source="Name">Creditor Reference Type 2</xs:documentation>
      <xs:documentation xml:lang="EN" source="Definition">Specifies the type of creditor reference.</xs:documentation>
    </xs:annotation>
    <xs:sequence>
      <xs:element name="CdOrPrtry" type="CreditorReferenceType1Choice">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">Code Or Proprietary</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">Coded or proprietary format creditor reference type.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="Issr" type="Max35Text" minOccurs="0">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">Issuer</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">Entity that assigns the credit reference type.</xs:documentation>
        </xs:annotation>
      </xs:element>
    </xs:sequence>
  </xs:complexType>
  <xs:complexType name="DateAndPlaceOfBirth1">
    <xs:annotation>
      <xs:documentation xml:lang="EN" source="Name">Date And Place Of Birth 1</xs:documentation>
      <xs:documentation xml:lang="EN" source="Definition">Date and place of birth of a person.</xs:documentation>
    </xs:annotation>
    <xs:sequence>
      <xs:element name="BirthDt" type="ISODate">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">Birth Date</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">Date on which a person is born.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="PrvcOfBirth" type="Max35Text" minOccurs="0">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">Province Of Birth</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">Province where a person was born.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="CityOfBirth" type="Max35Text">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">City Of Birth</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">City where a person was born.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="CtryOfBirth" type="CountryCode">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">Country Of Birth</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">Country where a person was born.</xs:documentation>
        </xs:annotation>
      </xs:element>
    </xs:sequence>
  </xs:complexType>
  <xs:complexType name="DiscountAmountAndType1">
    <xs:annotation>
      <xs:documentation xml:lang="EN" source="Name">Discount Amount And Type 1</xs:documentation>
      <xs:documentation xml:lang="EN" source="Definition">Specifies the amount with a specific type.</xs:documentation>
    </xs:annotation>
    <xs:sequence>
      <xs:element name="Tp" type="DiscountAmountType1Choice" minOccurs="0">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">Type</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">Specifies the type of the amount.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="Amt" type="ActiveOrHistoricCurrencyAndAmount">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">Amount</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">Amount of money, which has been typed.</xs:documentation>
        </xs:annotation>
      </xs:element>
    </xs:sequence>
  </xs:complexType>
  <xs:complexType name="DiscountAmountType1Choice">
    <xs:annotation>
      <xs:documentation xml:lang="EN" source="Name">Discount Amount Type 1Choice</xs:documentation>
      <xs:documentation xml:lang="EN" source="Definition">Specifies the amount type.</xs:documentation>
    </xs:annotation>
    <xs:choice>
      <xs:element name="Cd" type="ExternalDiscountAmountType1Code">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">Code</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">Specifies the amount type, in a coded form.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="Prtry" type="Max35Text">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">Proprietary</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">Specifies the amount type, in a free-text form.</xs:documentation>
        </xs:annotation>
      </xs:element>
    </xs:choice>
  </xs:complexType>
  <xs:complexType name="Document">
    <xs:sequence>
      <xs:element name="PmtRtr" type="PaymentReturnV09"/>
    </xs:sequence>
  </xs:complexType>
  <xs:complexType name="DocumentAdjustment1">
    <xs:annotation>
      <xs:documentation xml:lang="EN" source="Name">Document Adjustment 1</xs:documentation>
      <xs:documentation xml:lang="EN" source="Definition">Set of elements used to provide information on the amount and reason of the document adjustment.</xs:documentation>
    </xs:annotation>
    <xs:sequence>
      <xs:element name="Amt" type="ActiveOrHistoricCurrencyAndAmount">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">Amount</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">Amount of money of the document adjustment.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="CdtDbtInd" type="CreditDebitCode" minOccurs="0">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">Credit Debit Indicator</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">Specifies whether the adjustment must be subtracted or added to the total amount.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="Rsn" type="Max4Text" minOccurs="0">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">Reason</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">Specifies the reason for the adjustment.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="AddtlInf" type="Max140Text" minOccurs="0">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">Additional Information</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">Provides further details on the document adjustment.</xs:documentation>
        </xs:annotation>
      </xs:element>
    </xs:sequence>
  </xs:complexType>
  <xs:simpleType name="DocumentType3Code">
    <xs:annotation>
      <xs:documentation xml:lang="EN" source="Name">Document Type 3Code</xs:documentation>
      <xs:documentation xml:lang="EN" source="Definition">Specifies a type of financial or commercial document.</xs:documentation>
    </xs:annotation>
    <xs:restriction base="xs:string">
      <xs:enumeration value="SCOR">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">StructuredCommunicationReference</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">Document is a structured communication reference provided by the creditor to identify the referred transaction.</xs:documentation>
        </xs:annotation>
      </xs:enumeration>
    </xs:restriction>
  </xs:simpleType>
  <xs:simpleType name="DocumentType6Code">
    <xs:annotation>
      <xs:documentation xml:lang="EN" source="Name">Document Type 6Code</xs:documentation>
      <xs:documentation xml:lang="EN" source="Definition">Specifies a type of financial or commercial document.</xs:documentation>
    </xs:annotation>
    <xs:restriction base="xs:string">
      <xs:enumeration value="AROI">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">AccountReceivableOpenItem</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">Document is a payment that applies to a specific source document.</xs:documentation>
        </xs:annotation>
      </xs:enumeration>
      <xs:enumeration value="BOLD">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">BillOfLading</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">Document is a shipping notice.</xs:documentation>
        </xs:annotation>
      </xs:enumeration>
      <xs:enumeration value="CINV">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">CommercialInvoice</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">Document is an invoice.</xs:documentation>
        </xs:annotation>
      </xs:enumeration>
      <xs:enumeration value="CMCN">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">CommercialContract</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">Document is an agreement between the parties, stipulating the terms and conditions of the delivery of goods or services.</xs:documentation>
        </xs:annotation>
      </xs:enumeration>
      <xs:enumeration value="CNFA">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">CreditNoteRelatedToFinancialAdjustment</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">Document is a credit note for the final amount settled for a commercial transaction.</xs:documentation>
        </xs:annotation>
      </xs:enumeration>
      <xs:enumeration value="CREN">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">CreditNote</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">Document is a credit note.</xs:documentation>
        </xs:annotation>
      </xs:enumeration>
      <xs:enumeration value="DEBN">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">DebitNote</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">Document is a debit note.</xs:documentation>
        </xs:annotation>
      </xs:enumeration>
      <xs:enumeration value="DISP">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">DispatchAdvice</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">Document is a dispatch advice.</xs:documentation>
        </xs:annotation>
      </xs:enumeration>
      <xs:enumeration value="DNFA">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">DebitNoteRelatedToFinancialAdjustment</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">Document is a debit note for the final amount settled for a commercial transaction.</xs:documentation>
        </xs:annotation>
      </xs:enumeration>
      <xs:enumeration value="HIRI">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">HireInvoice</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">Document is an invoice for the hiring of human resources or renting goods or equipment.</xs:documentation>
        </xs:annotation>
      </xs:enumeration>
      <xs:enumeration value="MSIN">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">MeteredServiceInvoice</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">Document is an invoice claiming payment for the supply of metered services, for example gas or electricity supplied to a fixed meter.</xs:documentation>
        </xs:annotation>
      </xs:enumeration>
      <xs:enumeration value="PUOR">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">PurchaseOrder</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">Document is a purchase order.</xs:documentation>
        </xs:annotation>
      </xs:enumeration>
      <xs:enumeration value="SBIN">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">SelfBilledInvoice</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">Document is an invoice issued by the debtor.</xs:documentation>
        </xs:annotation>
      </xs:enumeration>
      <xs:enumeration value="SOAC">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">StatementOfAccount</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">Document is a statement of the transactions posted to the debtor's account at the supplier.</xs:documentation>
        </xs:annotation>
      </xs:enumeration>
      <xs:enumeration value="TSUT">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">TradeServicesUtilityTransaction</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">Document is a transaction identifier as assigned by the Trade Services Utility.</xs:documentation>
        </xs:annotation>
      </xs:enumeration>
      <xs:enumeration value="VCHR">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">Voucher</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">Document is an electronic payment document.</xs:documentation>
        </xs:annotation>
      </xs:enumeration>
    </xs:restriction>
  </xs:simpleType>
  <xs:complexType name="Document_NPC012-01_2025_V1.1_NCT_Inst_InterPSP">
    <xs:complexContent>
      <xs:restriction base="Document">
        <xs:sequence>
          <xs:element name="PmtRtr" type="PaymentReturnV09_NPC012-01_2025_V1.1_NCT_Inst_InterPSP">
            <xs:annotation>
              <xs:documentation xml:lang="EN" source="Definition">
Scope
The PaymentReturn message is sent by an agent to the previous agent in the payment chain to undo a payment previously settled.
              </xs:documentation>
            </xs:annotation>
          </xs:element>
        </xs:sequence>
      </xs:restriction>
    </xs:complexContent>
  </xs:complexType>
  <xs:simpleType name="ExternalAccountIdentification1Code">
    <xs:annotation>
      <xs:documentation xml:lang="EN" source="Name">External Account Identification 1Code</xs:documentation>
      <xs:documentation xml:lang="EN" source="Definition">
Specifies the external account identification scheme name code in the format of character string with a maximum length of 4 characters.
The list of valid codes is an external code list published separately.
External code sets can be downloaded from www.iso20022.org.
      </xs:documentation>
    </xs:annotation>
    <xs:restriction base="xs:string">
      <xs:minLength value="1"/>
      <xs:maxLength value="4"/>
    </xs:restriction>
  </xs:simpleType>
  <xs:simpleType name="ExternalCashAccountType1Code">
    <xs:annotation>
      <xs:documentation xml:lang="EN" source="Name">External Cash Account Type 1Code</xs:documentation>
      <xs:documentation xml:lang="EN" source="Definition">
Specifies the nature, or use, of the cash account in the format of character string with a maximum length of 4 characters.
The list of valid codes is an external code list published separately.
External code sets can be downloaded from www.iso20022.org.
      </xs:documentation>
    </xs:annotation>
    <xs:restriction base="xs:string">
      <xs:minLength value="1"/>
      <xs:maxLength value="4"/>
    </xs:restriction>
  </xs:simpleType>
  <xs:simpleType name="ExternalCashClearingSystem1Code">
    <xs:annotation>
      <xs:documentation xml:lang="EN" source="Name">External Cash Clearing System 1Code</xs:documentation>
      <xs:documentation xml:lang="EN" source="Definition">
Specifies the cash clearing system, as published in an external cash clearing system code list.
External code sets can be downloaded from www.iso20022.org.
      </xs:documentation>
    </xs:annotation>
    <xs:restriction base="xs:string">
      <xs:minLength value="1"/>
      <xs:maxLength value="3"/>
    </xs:restriction>
  </xs:simpleType>
  <xs:simpleType name="ExternalCategoryPurpose1Code">
    <xs:annotation>
      <xs:documentation xml:lang="EN" source="Name">External Category Purpose 1Code</xs:documentation>
      <xs:documentation xml:lang="EN" source="Definition">
Specifies the category purpose, as published in an external category purpose code list.
External code sets can be downloaded from www.iso20022.org.
      </xs:documentation>
    </xs:annotation>
    <xs:restriction base="xs:string">
      <xs:minLength value="1"/>
      <xs:maxLength value="4"/>
    </xs:restriction>
  </xs:simpleType>
  <xs:simpleType name="ExternalDiscountAmountType1Code">
    <xs:annotation>
      <xs:documentation xml:lang="EN" source="Name">External Discount Amount Type 1Code</xs:documentation>
      <xs:documentation xml:lang="EN" source="Definition">
Specifies the nature, or use, of the amount in the format of character string with a maximum length of 4 characters.
The list of valid codes is an external code list published separately.
External code sets can be downloaded from www.iso20022.org.
      </xs:documentation>
    </xs:annotation>
    <xs:restriction base="xs:string">
      <xs:minLength value="1"/>
      <xs:maxLength value="4"/>
    </xs:restriction>
  </xs:simpleType>
  <xs:simpleType name="ExternalLocalInstrument1Code">
    <xs:annotation>
      <xs:documentation xml:lang="EN" source="Name">External Local Instrument 1Code</xs:documentation>
      <xs:documentation xml:lang="EN" source="Definition">
Specifies the external local instrument code in the format of character string with a maximum length of 35 characters.
The list of valid codes is an external code list published separately.
External code sets can be downloaded from www.iso20022.org.
      </xs:documentation>
    </xs:annotation>
    <xs:restriction base="xs:string">
      <xs:minLength value="1"/>
      <xs:maxLength value="35"/>
    </xs:restriction>
  </xs:simpleType>
  <xs:simpleType name="ExternalOrganisationIdentification1Code">
    <xs:annotation>
      <xs:documentation xml:lang="EN" source="Name">External Organisation Identification 1Code</xs:documentation>
      <xs:documentation xml:lang="EN" source="Definition">
Specifies the external organisation identification scheme name code in the format of character string with a maximum length of 4 characters.
The list of valid codes is an external code list published separately.
External code sets can be downloaded from www.iso20022.org.
      </xs:documentation>
    </xs:annotation>
    <xs:restriction base="xs:string">
      <xs:minLength value="1"/>
      <xs:maxLength value="4"/>
    </xs:restriction>
  </xs:simpleType>
  <xs:simpleType name="ExternalPersonIdentification1Code">
    <xs:annotation>
      <xs:documentation xml:lang="EN" source="Name">External Person Identification 1Code</xs:documentation>
      <xs:documentation xml:lang="EN" source="Definition">
Specifies the external person identification scheme name code in the format of character string with a maximum length of 4 characters.
The list of valid codes is an external code list published separately.
External code sets can be downloaded from www.iso20022.org.
      </xs:documentation>
    </xs:annotation>
    <xs:restriction base="xs:string">
      <xs:minLength value="1"/>
      <xs:maxLength value="4"/>
    </xs:restriction>
  </xs:simpleType>
  <xs:simpleType name="ExternalProxyAccountType1Code">
    <xs:annotation>
      <xs:documentation xml:lang="EN" source="Name">External Proxy Account Type 1Code</xs:documentation>
      <xs:documentation xml:lang="EN" source="Definition">
Specifies the external proxy account type code, as published in the proxy account type external code set.
External code sets can be downloaded from www.iso20022.org.
      </xs:documentation>
    </xs:annotation>
    <xs:restriction base="xs:string">
      <xs:minLength value="1"/>
      <xs:maxLength value="4"/>
    </xs:restriction>
  </xs:simpleType>
  <xs:simpleType name="ExternalPurpose1Code">
    <xs:annotation>
      <xs:documentation xml:lang="EN" source="Name">External Purpose 1Code</xs:documentation>
      <xs:documentation xml:lang="EN" source="Definition">
Specifies the external purpose code in the format of character string with a maximum length of 4 characters.
The list of valid codes is an external code list published separately.
External code sets can be downloaded from www.iso20022.org.
      </xs:documentation>
    </xs:annotation>
    <xs:restriction base="xs:string">
      <xs:minLength value="1"/>
      <xs:maxLength value="4"/>
    </xs:restriction>
  </xs:simpleType>
  <xs:simpleType name="ExternalReturnReason1Code">
    <xs:annotation>
      <xs:documentation xml:lang="EN" source="Name">External Return Reason 1Code</xs:documentation>
      <xs:documentation xml:lang="EN" source="Definition">
Specifies the return reason, as published in an external return reason code list.
External code sets can be downloaded from www.iso20022.org.
      </xs:documentation>
    </xs:annotation>
    <xs:restriction base="xs:string">
      <xs:minLength value="1"/>
      <xs:maxLength value="4"/>
    </xs:restriction>
  </xs:simpleType>
  <xs:simpleType name="ExternalReturnReason1Code_NPC012-01_2025_V1.1_NCT_Inst_InterPSP">
    <xs:restriction base="ExternalReturnReason1Code">
      <xs:enumeration value="FOCR">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Definition">Return following a cancellation request</xs:documentation>
          <xs:documentation xml:lang="EN" source="Name">FollowingCancellationRequest</xs:documentation>
        </xs:annotation>
      </xs:enumeration>
    </xs:restriction>
  </xs:simpleType>
  <xs:simpleType name="ExternalServiceLevel1Code">
    <xs:annotation>
      <xs:documentation xml:lang="EN" source="Name">External Service Level 1Code</xs:documentation>
      <xs:documentation xml:lang="EN" source="Definition">
Specifies the external service level code in the format of character string with a maximum length of 4 characters.
The list of valid codes is an external code list published separately.
External code sets can be downloaded from www.iso20022.org.
      </xs:documentation>
    </xs:annotation>
    <xs:restriction base="xs:string">
      <xs:minLength value="1"/>
      <xs:maxLength value="4"/>
    </xs:restriction>
  </xs:simpleType>
  <xs:simpleType name="ExternalServiceLevel1Code_NPC012-01_2025_V1.1_NCT_Inst_InterPSP">
    <xs:restriction base="ExternalServiceLevel1Code">
      <xs:enumeration value="NPCA">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">NordicPaymentsCouncilAreaTransfer</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">
Payments must be executed following the NPC Area Payment scheme.

Requester: CR0841/Nordic Payments Council
Last Update: 2020-08-01
Creation Date: 2020-08-01
          </xs:documentation>
        </xs:annotation>
      </xs:enumeration>
    </xs:restriction>
  </xs:simpleType>
  <xs:simpleType name="ExternalTaxAmountType1Code">
    <xs:annotation>
      <xs:documentation xml:lang="EN" source="Name">External Tax Amount Type 1Code</xs:documentation>
      <xs:documentation xml:lang="EN" source="Definition">
Specifies the nature, or use, of the amount in the format of character string with a maximum length of 4 characters.
The list of valid codes is an external code list published separately.
External code sets can be downloaded from www.iso20022.org.
      </xs:documentation>
    </xs:annotation>
    <xs:restriction base="xs:string">
      <xs:minLength value="1"/>
      <xs:maxLength value="4"/>
    </xs:restriction>
  </xs:simpleType>
  <xs:complexType name="FinancialInstitutionIdentification18">
    <xs:annotation>
      <xs:documentation xml:lang="EN" source="Name">Financial Institution Identification 18</xs:documentation>
      <xs:documentation xml:lang="EN" source="Definition">Specifies the details to identify a financial institution.</xs:documentation>
    </xs:annotation>
    <xs:sequence>
      <xs:element name="BICFI" type="BICFIDec2014Identifier">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">BICFI</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">Code allocated to a financial institution by the ISO 9362 Registration Authority as described in ISO 9362 "Banking - Banking telecommunication messages - Business identifier code (BIC)".</xs:documentation>
        </xs:annotation>
      </xs:element>
    </xs:sequence>
  </xs:complexType>
  <xs:complexType name="FinancialInstitutionIdentification18_NPC012-01_2025_V1.1_NCT_Inst_InterPSP">
    <xs:complexContent>
      <xs:restriction base="FinancialInstitutionIdentification18">
        <xs:sequence>
          <xs:element name="BICFI" type="BICFIDec2014Identifier"/>
        </xs:sequence>
      </xs:restriction>
    </xs:complexContent>
  </xs:complexType>
  <xs:complexType name="GenericAccountIdentification1">
    <xs:annotation>
      <xs:documentation xml:lang="EN" source="Name">Generic Account Identification 1</xs:documentation>
      <xs:documentation xml:lang="EN" source="Definition">Information related to a generic account identification.</xs:documentation>
    </xs:annotation>
    <xs:sequence>
      <xs:element name="Id" type="Max34Text">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">Identification</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">Identification assigned by an institution.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="SchmeNm" type="AccountSchemeName1Choice" minOccurs="0">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">Scheme Name</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">Name of the identification scheme.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="Issr" type="Max35Text" minOccurs="0">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">Issuer</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">Entity that assigns the identification.</xs:documentation>
        </xs:annotation>
      </xs:element>
    </xs:sequence>
  </xs:complexType>
  <xs:complexType name="GenericOrganisationIdentification1">
    <xs:annotation>
      <xs:documentation xml:lang="EN" source="Name">Generic Organisation Identification 1</xs:documentation>
      <xs:documentation xml:lang="EN" source="Definition">Information related to an identification of an organisation.</xs:documentation>
    </xs:annotation>
    <xs:sequence>
      <xs:element name="Id" type="Max35Text">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">Identification</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">Identification assigned by an institution.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="SchmeNm" type="OrganisationIdentificationSchemeName1Choice" minOccurs="0">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">Scheme Name</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">Name of the identification scheme.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="Issr" type="Max35Text" minOccurs="0">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">Issuer</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">Entity that assigns the identification.</xs:documentation>
        </xs:annotation>
      </xs:element>
    </xs:sequence>
  </xs:complexType>
  <xs:complexType name="GenericPersonIdentification1">
    <xs:annotation>
      <xs:documentation xml:lang="EN" source="Name">Generic Person Identification 1</xs:documentation>
      <xs:documentation xml:lang="EN" source="Definition">Information related to an identification of a person.</xs:documentation>
    </xs:annotation>
    <xs:sequence>
      <xs:element name="Id" type="Max35Text">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">Identification</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">Unique and unambiguous identification of a person.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="SchmeNm" type="PersonIdentificationSchemeName1Choice" minOccurs="0">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">Scheme Name</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">Name of the identification scheme.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="Issr" type="Max35Text" minOccurs="0">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">Issuer</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">Entity that assigns the identification.</xs:documentation>
        </xs:annotation>
      </xs:element>
    </xs:sequence>
  </xs:complexType>
  <xs:complexType name="GroupHeader90">
    <xs:annotation>
      <xs:documentation xml:lang="EN" source="Name">Group Header 90</xs:documentation>
      <xs:documentation xml:lang="EN" source="Definition">Set of characteristics shared by all individual transactions included in the message.</xs:documentation>
    </xs:annotation>
    <xs:sequence>
      <xs:element name="MsgId" type="Max35Text">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">Message Identification</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">
Point to point reference, as assigned by the instructing party and sent to the next party in the chain, to unambiguously identify the message.
Usage: The instructing party has to make sure that MessageIdentification is unique per instructed party for a pre-agreed period.
          </xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="CreDtTm" type="ISODateTime">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">Creation Date Time</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">Date and time at which the message was created.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="NbOfTxs" type="Max15NumericText">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">Number Of Transactions</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">Number of individual transactions contained in the message.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="TtlRtrdIntrBkSttlmAmt" type="ActiveCurrencyAndAmount">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">Total Returned Interbank Settlement Amount</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">Total amount of money moved between the instructing agent and the instructed agent in the return message.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="IntrBkSttlmDt" type="ISODate">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">Interbank Settlement Date</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">Date on which the amount of money ceases to be available to the agent that owes it and when the amount of money becomes available to the agent to which it is due.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="SttlmInf" type="SettlementInstruction7">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">Settlement Information</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">Specifies the details on how the settlement of the transaction(s) between the instructing agent and the instructed agent is completed.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="InstgAgt" type="BranchAndFinancialInstitutionIdentification6" minOccurs="0">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">Instructing Agent</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">
Agent that instructs the next party in the chain to carry out the (set of) instruction(s).
Usage: The instructing agent is the party sending the return message and not the party that sent the original instruction that is being returned.
          </xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="InstdAgt" type="BranchAndFinancialInstitutionIdentification6" minOccurs="0">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">Instructed Agent</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">
Agent that is instructed by the previous party in the chain to carry out the (set of) instruction(s).
Usage: The instructed agent is the party receiving the return message and not the party that received the original instruction that is being returned.
          </xs:documentation>
        </xs:annotation>
      </xs:element>
    </xs:sequence>
  </xs:complexType>
  <xs:complexType name="GroupHeader90_NPC012-01_2025_V1.1_NCT_Inst_InterPSP">
    <xs:complexContent>
      <xs:restriction base="GroupHeader90">
        <xs:sequence>
          <xs:element name="MsgId" type="Max35Text">
            <xs:annotation>
              <xs:documentation source="Yellow Field"/>
            </xs:annotation>
          </xs:element>
          <xs:element name="CreDtTm" type="ISODateTime">
            <xs:annotation>
              <xs:documentation source="Yellow Field"/>
            </xs:annotation>
          </xs:element>
          <xs:element name="NbOfTxs" type="Max15NumericText">
            <xs:annotation>
              <xs:documentation source="Yellow Field"/>
            </xs:annotation>
          </xs:element>
          <xs:element name="TtlRtrdIntrBkSttlmAmt" type="ActiveCurrencyAndAmount_NPC012-01_2025_V1.1_NCT_Inst_InterPSP">
            <xs:annotation>
              <xs:documentation source="Yellow Field"/>
              <xs:documentation source="Usage Rule">Mandatory.</xs:documentation>
              <xs:documentation source="Usage Rule">Only 'Scheme Currencies' is allowed.</xs:documentation>
              <xs:documentation source="Format Rule">Amount must be 0.01 or more and 999999999999999.99 or less.</xs:documentation>
              <xs:documentation source="Format Rule">The fractional part has a maximum of two digits.</xs:documentation>
            </xs:annotation>
          </xs:element>
          <xs:element name="IntrBkSttlmDt" type="ISODate">
            <xs:annotation>
              <xs:documentation source="Yellow Field"/>
              <xs:documentation source="Usage Rule">Mandatory.</xs:documentation>
              <xs:documentation source="Rulebook">AT-R056 The Settlement Date for the positive response to a Recall.</xs:documentation>
            </xs:annotation>
          </xs:element>
          <xs:element name="SttlmInf" type="SettlementInstruction7_NPC012-01_2025_V1.1_NCT_Inst_InterPSP">
            <xs:annotation>
              <xs:documentation source="Yellow Field"/>
            </xs:annotation>
          </xs:element>
          <xs:element name="InstgAgt" type="BranchAndFinancialInstitutionIdentification6_NPC012-01_2025_V1.1_NCT_Inst_InterPSP" minOccurs="0">
            <xs:annotation>
              <xs:documentation source="Yellow Field"/>
              <xs:documentation source="Usage Rule">Only BICFI is allowed.</xs:documentation>
            </xs:annotation>
          </xs:element>
          <xs:element name="InstdAgt" type="BranchAndFinancialInstitutionIdentification6_NPC012-01_2025_V1.1_NCT_Inst_InterPSP" minOccurs="0">
            <xs:annotation>
              <xs:documentation source="Yellow Field"/>
              <xs:documentation source="Usage Rule">Only BICFI is allowed.</xs:documentation>
            </xs:annotation>
          </xs:element>
        </xs:sequence>
      </xs:restriction>
    </xs:complexContent>
  </xs:complexType>
  <xs:simpleType name="IBAN2007Identifier">
    <xs:annotation>
      <xs:documentation xml:lang="EN" source="Name">IBAN2007Identifier</xs:documentation>
      <xs:documentation xml:lang="EN" source="Definition">The International Bank Account Number is a code used internationally by financial institutions to uniquely identify the account of a customer at a financial institution as described in the 2007 edition of the ISO 13616 standard "Banking and related financial services - International Bank Account Number (IBAN)" and replaced by the more recent edition of the standard.</xs:documentation>
    </xs:annotation>
    <xs:restriction base="xs:string">
      <xs:pattern value="[A-Z]{2,2}[0-9]{2,2}[a-zA-Z0-9]{1,30}"/>
    </xs:restriction>
  </xs:simpleType>
  <xs:simpleType name="ISODate">
    <xs:annotation>
      <xs:documentation xml:lang="EN" source="Name">ISODate</xs:documentation>
      <xs:documentation xml:lang="EN" source="Definition">A particular point in the progression of time in a calendar year expressed in the YYYY-MM-DD format. This representation is defined in "XML Schema Part 2: Datatypes Second Edition - W3C Recommendation 28 October 2004" which is aligned with ISO 8601.</xs:documentation>
    </xs:annotation>
    <xs:restriction base="xs:date"/>
  </xs:simpleType>
  <xs:simpleType name="ISODateTime">
    <xs:annotation>
      <xs:documentation xml:lang="EN" source="Name">ISODate Time</xs:documentation>
      <xs:documentation xml:lang="EN" source="Definition">
A particular point in the progression of time defined by a mandatory date and a mandatory time component, expressed in either UTC time format (YYYY-MM-DDThh:mm:ss.sssZ), local time with UTC offset format (YYYY-MM-DDThh:mm:ss.sss+/-hh:mm), or local time format (YYYY-MM-DDThh:mm:ss.sss). These representations are defined in "XML Schema Part 2: Datatypes Second Edition - W3C Recommendation 28 October 2004" which is aligned with ISO 8601.
Note on the time format:
1) beginning / end of calendar day
00:00:00 = the beginning of a calendar day
24:00:00 = the end of a calendar day
2) fractions of second in time format
Decimal fractions of seconds may be included. In this case, the involved parties shall agree on the maximum number of digits that are allowed.
      </xs:documentation>
    </xs:annotation>
    <xs:restriction base="xs:dateTime"/>
  </xs:simpleType>
  <xs:simpleType name="LEIIdentifier">
    <xs:annotation>
      <xs:documentation xml:lang="EN" source="Name">LEIIdentifier</xs:documentation>
      <xs:documentation xml:lang="EN" source="Definition">Legal Entity Identifier is a code allocated to a party as described in ISO 17442 "Financial Services - Legal Entity Identifier (LEI)".</xs:documentation>
    </xs:annotation>
    <xs:restriction base="xs:string">
      <xs:pattern value="[A-Z0-9]{18,18}[0-9]{2,2}"/>
    </xs:restriction>
  </xs:simpleType>
  <xs:complexType name="LocalInstrument2Choice">
    <xs:annotation>
      <xs:documentation xml:lang="EN" source="Name">Local Instrument 2Choice</xs:documentation>
      <xs:documentation xml:lang="EN" source="Definition">Set of elements that further identifies the type of local instruments being requested by the initiating party.</xs:documentation>
    </xs:annotation>
    <xs:choice>
      <xs:element name="Cd" type="ExternalLocalInstrument1Code">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">Code</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">Specifies the local instrument, as published in an external local instrument code list.</xs:documentation>
        </xs:annotation>
      </xs:element>
    </xs:choice>
  </xs:complexType>
  <xs:simpleType name="Max105Text">
    <xs:annotation>
      <xs:documentation xml:lang="EN" source="Name">Max 105Text</xs:documentation>
      <xs:documentation xml:lang="EN" source="Definition">Specifies a character string with a maximum length of 105 characters.</xs:documentation>
    </xs:annotation>
    <xs:restriction base="xs:string">
      <xs:minLength value="1"/>
      <xs:maxLength value="105"/>
    </xs:restriction>
  </xs:simpleType>
  <xs:simpleType name="Max140Text">
    <xs:annotation>
      <xs:documentation xml:lang="EN" source="Name">Max 140Text</xs:documentation>
      <xs:documentation xml:lang="EN" source="Definition">Specifies a character string with a maximum length of 140 characters.</xs:documentation>
    </xs:annotation>
    <xs:restriction base="xs:string">
      <xs:minLength value="1"/>
      <xs:maxLength value="140"/>
    </xs:restriction>
  </xs:simpleType>
  <xs:simpleType name="Max15NumericText">
    <xs:annotation>
      <xs:documentation xml:lang="EN" source="Name">Max 15Numeric Text</xs:documentation>
      <xs:documentation xml:lang="EN" source="Definition">Specifies a numeric string with a maximum length of 15 digits.</xs:documentation>
    </xs:annotation>
    <xs:restriction base="xs:string">
      <xs:pattern value="[0-9]{1,15}"/>
    </xs:restriction>
  </xs:simpleType>
  <xs:simpleType name="Max16Text">
    <xs:annotation>
      <xs:documentation xml:lang="EN" source="Name">Max 16Text</xs:documentation>
      <xs:documentation xml:lang="EN" source="Definition">Specifies a character string with a maximum length of 16 characters.</xs:documentation>
    </xs:annotation>
    <xs:restriction base="xs:string">
      <xs:minLength value="1"/>
      <xs:maxLength value="16"/>
    </xs:restriction>
  </xs:simpleType>
  <xs:simpleType name="Max2048Text">
    <xs:annotation>
      <xs:documentation xml:lang="EN" source="Name">Max 2048Text</xs:documentation>
      <xs:documentation xml:lang="EN" source="Definition">Specifies a character string with a maximum length of 2048 characters.</xs:documentation>
    </xs:annotation>
    <xs:restriction base="xs:string">
      <xs:minLength value="1"/>
      <xs:maxLength value="320"/>
    </xs:restriction>
  </xs:simpleType>
  <xs:simpleType name="Max2048Text_NPC012-01_2025_V1.1_NCT_Inst_InterPSP">
    <xs:restriction base="Max2048Text">
      <xs:maxLength value="320"/>
    </xs:restriction>
  </xs:simpleType>
  <xs:simpleType name="Max34Text">
    <xs:annotation>
      <xs:documentation xml:lang="EN" source="Name">Max 34Text</xs:documentation>
      <xs:documentation xml:lang="EN" source="Definition">Specifies a character string with a maximum length of 34 characters.</xs:documentation>
    </xs:annotation>
    <xs:restriction base="xs:string">
      <xs:minLength value="1"/>
      <xs:maxLength value="34"/>
    </xs:restriction>
  </xs:simpleType>
  <xs:simpleType name="Max35Text">
    <xs:annotation>
      <xs:documentation xml:lang="EN" source="Name">Max 35Text</xs:documentation>
      <xs:documentation xml:lang="EN" source="Definition">Specifies a character string with a maximum length of 35 characters.</xs:documentation>
    </xs:annotation>
    <xs:restriction base="xs:string">
      <xs:minLength value="1"/>
      <xs:maxLength value="35"/>
    </xs:restriction>
  </xs:simpleType>
  <xs:simpleType name="Max4Text">
    <xs:annotation>
      <xs:documentation xml:lang="EN" source="Name">Max 4Text</xs:documentation>
      <xs:documentation xml:lang="EN" source="Definition">Specifies a character string with a maximum length of 4 characters.</xs:documentation>
    </xs:annotation>
    <xs:restriction base="xs:string">
      <xs:minLength value="1"/>
      <xs:maxLength value="4"/>
    </xs:restriction>
  </xs:simpleType>
  <xs:simpleType name="Max70Text">
    <xs:annotation>
      <xs:documentation xml:lang="EN" source="Name">Max 70Text</xs:documentation>
      <xs:documentation xml:lang="EN" source="Definition">Specifies a character string with a maximum length of 70characters.</xs:documentation>
    </xs:annotation>
    <xs:restriction base="xs:string">
      <xs:minLength value="1"/>
      <xs:maxLength value="70"/>
    </xs:restriction>
  </xs:simpleType>
  <xs:complexType name="OrganisationIdentification29">
    <xs:annotation>
      <xs:documentation xml:lang="EN" source="Name">Organisation Identification 29</xs:documentation>
      <xs:documentation xml:lang="EN" source="Definition">Unique and unambiguous way to identify an organisation.</xs:documentation>
    </xs:annotation>
    <xs:sequence>
      <xs:element name="AnyBIC" type="AnyBICDec2014Identifier" minOccurs="0">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">Any BIC</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">Business identification code of the organisation.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="LEI" type="LEIIdentifier" minOccurs="0">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">LEI</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">Legal entity identification as an alternate identification for a party.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="Othr" type="GenericOrganisationIdentification1" minOccurs="0">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">Other</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">Unique identification of an organisation, as assigned by an institution, using an identification scheme.</xs:documentation>
        </xs:annotation>
      </xs:element>
    </xs:sequence>
  </xs:complexType>
  <xs:complexType name="OrganisationIdentification29_NPC012-01_2025_V1.1_NCT_Inst_InterPSP">
    <xs:complexContent>
      <xs:restriction base="OrganisationIdentification29">
        <xs:sequence>
          <xs:element name="AnyBIC" type="AnyBICDec2014Identifier"/>
        </xs:sequence>
      </xs:restriction>
    </xs:complexContent>
  </xs:complexType>
  <xs:complexType name="OrganisationIdentification29_NPC012-01_2025_V1.1_NCT_Inst_InterPSP_2">
    <xs:complexContent>
      <xs:restriction base="OrganisationIdentification29">
        <xs:sequence>
          <xs:element name="AnyBIC" type="AnyBICDec2014Identifier" minOccurs="0"/>
          <xs:element name="LEI" type="LEIIdentifier" minOccurs="0"/>
          <xs:element name="Othr" type="GenericOrganisationIdentification1" minOccurs="0"/>
        </xs:sequence>
      </xs:restriction>
    </xs:complexContent>
  </xs:complexType>
  <xs:complexType name="OrganisationIdentificationSchemeName1Choice">
    <xs:annotation>
      <xs:documentation xml:lang="EN" source="Name">Organisation Identification Scheme Name 1Choice</xs:documentation>
      <xs:documentation xml:lang="EN" source="Definition">Sets of elements to identify a name of the organisation identification scheme.</xs:documentation>
    </xs:annotation>
    <xs:choice>
      <xs:element name="Cd" type="ExternalOrganisationIdentification1Code">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">Code</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">Name of the identification scheme, in a coded form as published in an external list.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="Prtry" type="Max35Text">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">Proprietary</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">Name of the identification scheme, in a free text form.</xs:documentation>
        </xs:annotation>
      </xs:element>
    </xs:choice>
  </xs:complexType>
  <xs:complexType name="OriginalGroupHeader18">
    <xs:annotation>
      <xs:documentation xml:lang="EN" source="Name">Original Group Header 18</xs:documentation>
      <xs:documentation xml:lang="EN" source="Definition">Provides information on the original group, to which the message refers.</xs:documentation>
    </xs:annotation>
    <xs:sequence>
      <xs:element name="OrgnlMsgId" type="Max35Text">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">Original Message Identification</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">Point to point reference, as assigned by the original instructing party, to unambiguously identify the original message.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="OrgnlMsgNmId" type="Max35Text">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">Original Message Name Identification</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">Specifies the original message name identifier to which the message refers.</xs:documentation>
        </xs:annotation>
      </xs:element>
    </xs:sequence>
  </xs:complexType>
  <xs:complexType name="OriginalGroupHeader18_NPC012-01_2025_V1.1_NCT_Inst_InterPSP">
    <xs:complexContent>
      <xs:restriction base="OriginalGroupHeader18">
        <xs:sequence>
          <xs:element name="OrgnlMsgId" type="Max35Text">
            <xs:annotation>
              <xs:documentation source="Yellow Field"/>
            </xs:annotation>
          </xs:element>
          <xs:element name="OrgnlMsgNmId" type="Max35Text">
            <xs:annotation>
              <xs:documentation source="Yellow Field"/>
              <xs:documentation source="Usage Rule">Only pacs.008.001.08 is allowed.</xs:documentation>
            </xs:annotation>
          </xs:element>
        </xs:sequence>
      </xs:restriction>
    </xs:complexContent>
  </xs:complexType>
  <xs:complexType name="OriginalGroupInformation29">
    <xs:annotation>
      <xs:documentation xml:lang="EN" source="Name">Original Group Information 29</xs:documentation>
      <xs:documentation xml:lang="EN" source="Definition">Unique and unambiguous identifier of the group of transactions as assigned by the original instructing party.</xs:documentation>
    </xs:annotation>
    <xs:sequence>
      <xs:element name="OrgnlMsgId" type="Max35Text">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">Original Message Identification</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">Point to point reference assigned by the original instructing party to unambiguously identify the original message.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="OrgnlMsgNmId" type="Max35Text">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">Original Message Name Identification</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">Specifies the original message name identifier to which the message refers, for example, pacs.003.001.01 or MT103.</xs:documentation>
        </xs:annotation>
      </xs:element>
    </xs:sequence>
  </xs:complexType>
  <xs:complexType name="OriginalGroupInformation29_NPC012-01_2025_V1.1_NCT_Inst_InterPSP">
    <xs:complexContent>
      <xs:restriction base="OriginalGroupInformation29">
        <xs:sequence>
          <xs:element name="OrgnlMsgId" type="Max35Text">
            <xs:annotation>
              <xs:documentation source="Yellow Field"/>
            </xs:annotation>
          </xs:element>
          <xs:element name="OrgnlMsgNmId" type="Max35Text">
            <xs:annotation>
              <xs:documentation source="Yellow Field"/>
              <xs:documentation source="Usage Rule">Only pacs.008.001.08 is allowed.</xs:documentation>
            </xs:annotation>
          </xs:element>
        </xs:sequence>
      </xs:restriction>
    </xs:complexContent>
  </xs:complexType>
  <xs:complexType name="OriginalTransactionReference28">
    <xs:annotation>
      <xs:documentation xml:lang="EN" source="Name">Original Transaction Reference 28</xs:documentation>
      <xs:documentation xml:lang="EN" source="Definition">Key elements used to refer the original transaction.</xs:documentation>
    </xs:annotation>
    <xs:sequence>
      <xs:element name="Amt" type="AmountType4Choice" minOccurs="0">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">Amount</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">Amount of money to be moved between the debtor and creditor, before deduction of charges, expressed in the currency as ordered by the initiating party.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="IntrBkSttlmDt" type="ISODate" minOccurs="0">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">Interbank Settlement Date</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">Date on which the amount of money ceases to be available to the agent that owes it and when the amount of money becomes available to the agent to which it is due.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="SttlmInf" type="SettlementInstruction7" minOccurs="0">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">Settlement Information</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">Specifies the details on how the settlement of the original transaction(s) between the instructing agent and the instructed agent was completed.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="PmtTpInf" type="PaymentTypeInformation27" minOccurs="0">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">Payment Type Information</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">Set of elements used to further specify the type of transaction.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="RmtInf" type="RemittanceInformation16" minOccurs="0">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">Remittance Information</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">Information supplied to enable the matching of an entry with the items that the transfer is intended to settle, such as commercial invoices in an accounts' receivable system.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="UltmtDbtr" type="Party40Choice" minOccurs="0">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">Ultimate Debtor</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">Ultimate party that owes an amount of money to the (ultimate) creditor.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="Dbtr" type="Party40Choice" minOccurs="0">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">Debtor</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">Party that owes an amount of money to the (ultimate) creditor.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="DbtrAcct" type="CashAccount38">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">Debtor Account</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">Unambiguous identification of the account of the debtor to which a debit entry will be made as a result of the transaction.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="DbtrAgt" type="BranchAndFinancialInstitutionIdentification6" minOccurs="0">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">Debtor Agent</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">Financial institution servicing an account for the debtor.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="CdtrAgt" type="BranchAndFinancialInstitutionIdentification6" minOccurs="0">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">Creditor Agent</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">Financial institution servicing an account for the creditor.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="Cdtr" type="Party40Choice" minOccurs="0">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">Creditor</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">Party to which an amount of money is due.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="CdtrAcct" type="CashAccount38">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">Creditor Account</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">Unambiguous identification of the account of the creditor to which a credit entry will be posted as a result of the payment transaction.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="UltmtCdtr" type="Party40Choice" minOccurs="0">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">Ultimate Creditor</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">Ultimate party to which an amount of money is due.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="Purp" type="Purpose2Choice" minOccurs="0">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">Purpose</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">
Underlying reason for the payment transaction.

Usage: 
Purpose is used by the end customers, that is initiating party, (ultimate) debtor, (ultimate) creditor to provide information concerning the nature of the payment. Purpose is a content element, which is not used for processing by any of the agents involved in the payment chain.
          </xs:documentation>
        </xs:annotation>
      </xs:element>
    </xs:sequence>
  </xs:complexType>
  <xs:complexType name="OriginalTransactionReference28_NPC012-01_2025_V1.1_NCT_Inst_InterPSP">
    <xs:complexContent>
      <xs:restriction base="OriginalTransactionReference28">
        <xs:sequence>
          <xs:element name="Amt" type="AmountType4Choice_NPC012-01_2025_V1.1_NCT_Inst_InterPSP" minOccurs="0">
            <xs:annotation>
              <xs:documentation source="Yellow Field"/>
            </xs:annotation>
          </xs:element>
          <xs:element name="IntrBkSttlmDt" type="ISODate" minOccurs="0">
            <xs:annotation>
              <xs:documentation source="Yellow Field"/>
              <xs:documentation source="Rulebook">AT-T051 The Settlement Date of the NCT Inst Transaction.</xs:documentation>
            </xs:annotation>
          </xs:element>
          <xs:element name="SttlmInf" type="SettlementInstruction7_NPC012-01_2025_V1.1_NCT_Inst_InterPSP_2" minOccurs="0">
            <xs:annotation>
              <xs:documentation source="Yellow Field"/>
            </xs:annotation>
          </xs:element>
          <xs:element name="PmtTpInf" type="PaymentTypeInformation27_NPC012-01_2025_V1.1_NCT_Inst_InterPSP" minOccurs="0">
            <xs:annotation>
              <xs:documentation source="Yellow Field"/>
              <xs:documentation source="Rulebook">AT-T001 The identification code of the NCT Inst Scheme.</xs:documentation>
              <xs:documentation source="Rulebook">AT-T008 The category purpose of the NCT Inst Instruction.</xs:documentation>
            </xs:annotation>
          </xs:element>
          <xs:element name="RmtInf" type="RemittanceInformation16_NPC012-01_2025_V1.1_NCT_Inst_InterPSP" minOccurs="0">
            <xs:annotation>
              <xs:documentation source="Yellow Field"/>
              <xs:documentation source="Rulebook">AT-T009 The Remittance Information sent by the Originator to the Beneficiary in the NCT Inst Instruction.</xs:documentation>
            </xs:annotation>
          </xs:element>
          <xs:element name="UltmtDbtr" type="Party40Choice_NPC012-01_2025_V1.1_NCT_Inst_InterPSP" minOccurs="0">
            <xs:annotation>
              <xs:documentation source="Yellow Field"/>
              <xs:documentation source="Rulebook">AT-P006 The Name of the Originator Reference Party.</xs:documentation>
              <xs:documentation source="Rulebook">AT-P007 The Identification code of the Originator Reference Party.</xs:documentation>
              <xs:documentation source="Usage Rule">Only ‘Party’ is allowed.</xs:documentation>
            </xs:annotation>
          </xs:element>
          <xs:element name="Dbtr" type="Party40Choice_NPC012-01_2025_V1.1_NCT_Inst_InterPSP" minOccurs="0">
            <xs:annotation>
              <xs:documentation source="Yellow Field"/>
              <xs:documentation source="Rulebook">AT-P001 The Name of the Originator.</xs:documentation>
              <xs:documentation source="Rulebook">AT-P005 The Address of the Originator.</xs:documentation>
              <xs:documentation source="Rulebook">AT-P004 The Originator identification code.</xs:documentation>
              <xs:documentation source="Usage Rule">Only ‘Party’ is allowed.</xs:documentation>
            </xs:annotation>
          </xs:element>
          <xs:element name="DbtrAcct" type="CashAccount38_NPC012-01_2025_V1.1_NCT_Inst_InterPSP_2">
            <xs:annotation>
              <xs:documentation source="Yellow Field"/>
              <xs:documentation source="Usage Rule">Mandatory.</xs:documentation>
            </xs:annotation>
          </xs:element>
          <xs:element name="DbtrAgt" type="BranchAndFinancialInstitutionIdentification6_NPC012-01_2025_V1.1_NCT_Inst_InterPSP" minOccurs="0">
            <xs:annotation>
              <xs:documentation source="Yellow Field"/>
              <xs:documentation source="Rulebook">AT-D002 The BIC code of the Originator PSP.</xs:documentation>
            </xs:annotation>
          </xs:element>
          <xs:element name="CdtrAgt" type="BranchAndFinancialInstitutionIdentification6_NPC012-01_2025_V1.1_NCT_Inst_InterPSP" minOccurs="0">
            <xs:annotation>
              <xs:documentation source="Yellow Field"/>
              <xs:documentation source="Rulebook">AT-C002 The BIC code of the Beneficiary PSP.</xs:documentation>
            </xs:annotation>
          </xs:element>
          <xs:element name="Cdtr" type="Party40Choice_NPC012-01_2025_V1.1_NCT_Inst_InterPSP_2" minOccurs="0">
            <xs:annotation>
              <xs:documentation source="Yellow Field"/>
              <xs:documentation source="Rulebook">AT-E001 The name of the Beneficiary.</xs:documentation>
              <xs:documentation source="Rulebook">AT-E004 The address of the Beneficiary.</xs:documentation>
              <xs:documentation source="Rulebook">AT-E005 The Beneficiary identification code.</xs:documentation>
              <xs:documentation source="Usage Rule">Only ‘Party’ is allowed.</xs:documentation>
            </xs:annotation>
          </xs:element>
          <xs:element name="CdtrAcct" type="CashAccount38_NPC012-01_2025_V1.1_NCT_Inst_InterPSP_3">
            <xs:annotation>
              <xs:documentation source="Yellow Field"/>
              <xs:documentation source="Usage Rule">Mandatory.</xs:documentation>
            </xs:annotation>
          </xs:element>
          <xs:element name="UltmtCdtr" type="Party40Choice_NPC012-01_2025_V1.1_NCT_Inst_InterPSP_2" minOccurs="0">
            <xs:annotation>
              <xs:documentation source="Yellow Field"/>
              <xs:documentation source="Rulebook">AT-E007 The name of the Beneficiary Reference Party.</xs:documentation>
              <xs:documentation source="Rulebook">AT-E010 The identification code of the Beneficiary Reference Party.</xs:documentation>
              <xs:documentation source="Usage Rule">Only ‘Party’ is allowed.</xs:documentation>
            </xs:annotation>
          </xs:element>
          <xs:element name="Purp" type="Purpose2Choice" minOccurs="0">
            <xs:annotation>
              <xs:documentation source="Yellow Field"/>
              <xs:documentation xml:lang="EN" source="Rulebook">AT-T007 The purpose of the NCT Inst Instruction.</xs:documentation>
            </xs:annotation>
          </xs:element>
        </xs:sequence>
      </xs:restriction>
    </xs:complexContent>
  </xs:complexType>
  <xs:complexType name="Party38Choice">
    <xs:annotation>
      <xs:documentation xml:lang="EN" source="Name">Party 38Choice</xs:documentation>
      <xs:documentation xml:lang="EN" source="Definition">Nature or use of the account.</xs:documentation>
    </xs:annotation>
    <xs:choice>
      <xs:element name="OrgId" type="OrganisationIdentification29">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">Organisation Identification</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">Unique and unambiguous way to identify an organisation.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="PrvtId" type="PersonIdentification13">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">Private Identification</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">Unique and unambiguous identification of a person, for example a passport.</xs:documentation>
        </xs:annotation>
      </xs:element>
    </xs:choice>
  </xs:complexType>
  <xs:complexType name="Party38Choice_NPC012-01_2025_V1.1_NCT_Inst_InterPSP">
    <xs:complexContent>
      <xs:restriction base="Party38Choice">
        <xs:choice>
          <xs:element name="OrgId" type="OrganisationIdentification29_NPC012-01_2025_V1.1_NCT_Inst_InterPSP"/>
        </xs:choice>
      </xs:restriction>
    </xs:complexContent>
  </xs:complexType>
  <xs:complexType name="Party38Choice_NPC012-01_2025_V1.1_NCT_Inst_InterPSP_2">
    <xs:complexContent>
      <xs:restriction base="Party38Choice">
        <xs:choice>
          <xs:element name="OrgId" type="OrganisationIdentification29_NPC012-01_2025_V1.1_NCT_Inst_InterPSP_2"/>
          <xs:element name="PrvtId" type="PersonIdentification13_NPC012-01_2025_V1.1_NCT_Inst_InterPSP"/>
        </xs:choice>
      </xs:restriction>
    </xs:complexContent>
  </xs:complexType>
  <xs:complexType name="Party40Choice">
    <xs:annotation>
      <xs:documentation xml:lang="EN" source="Name">Party 40Choice</xs:documentation>
      <xs:documentation xml:lang="EN" source="Definition">Identification of a person, an organisation or a financial institution.</xs:documentation>
    </xs:annotation>
    <xs:choice>
      <xs:element name="Pty" type="PartyIdentification135">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">Party</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">Identification of a person or an organisation.</xs:documentation>
        </xs:annotation>
      </xs:element>
    </xs:choice>
  </xs:complexType>
  <xs:complexType name="Party40Choice_NPC012-01_2025_V1.1_NCT_Inst_InterPSP">
    <xs:complexContent>
      <xs:restriction base="Party40Choice">
        <xs:choice>
          <xs:element name="Pty" type="PartyIdentification135_NPC012-01_2025_V1.1_NCT_Inst_InterPSP_2"/>
        </xs:choice>
      </xs:restriction>
    </xs:complexContent>
  </xs:complexType>
  <xs:complexType name="Party40Choice_NPC012-01_2025_V1.1_NCT_Inst_InterPSP_2">
    <xs:complexContent>
      <xs:restriction base="Party40Choice">
        <xs:choice>
          <xs:element name="Pty" type="PartyIdentification135_NPC012-01_2025_V1.1_NCT_Inst_InterPSP_3"/>
        </xs:choice>
      </xs:restriction>
    </xs:complexContent>
  </xs:complexType>
  <xs:complexType name="PartyIdentification135">
    <xs:annotation>
      <xs:documentation xml:lang="EN" source="Name">Party Identification 135</xs:documentation>
      <xs:documentation xml:lang="EN" source="Definition">Specifies the identification of a person or an organisation.</xs:documentation>
    </xs:annotation>
    <xs:sequence>
      <xs:element name="Nm" type="Max140Text" minOccurs="0">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">Name</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">Name by which a party is known and which is usually used to identify that party.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="PstlAdr" type="PostalAddress24" minOccurs="0">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">Postal Address</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">Information that locates and identifies a specific address, as defined by postal services.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="Id" type="Party38Choice" minOccurs="0">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">Identification</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">Unique and unambiguous identification of a party.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="CtryOfRes" type="CountryCode" minOccurs="0">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">Country Of Residence</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">Country in which a person resides (the place of a person's home). In the case of a company, it is the country from which the affairs of that company are directed.</xs:documentation>
        </xs:annotation>
      </xs:element>
    </xs:sequence>
  </xs:complexType>
  <xs:complexType name="PartyIdentification135_NPC012-01_2025_V1.1_NCT_Inst_InterPSP">
    <xs:complexContent>
      <xs:restriction base="PartyIdentification135">
        <xs:sequence>
          <xs:element name="Nm" type="Max140Text" minOccurs="0"/>
          <xs:element name="Id" type="Party38Choice_NPC012-01_2025_V1.1_NCT_Inst_InterPSP" minOccurs="0"/>
        </xs:sequence>
      </xs:restriction>
    </xs:complexContent>
  </xs:complexType>
  <xs:complexType name="PartyIdentification135_NPC012-01_2025_V1.1_NCT_Inst_InterPSP_2">
    <xs:complexContent>
      <xs:restriction base="PartyIdentification135">
        <xs:sequence>
          <xs:element name="Nm" type="Max140Text"/>
          <xs:element name="PstlAdr" type="PostalAddress24_NPC012-01_2025_V1.1_NCT_Inst_InterPSP" minOccurs="0"/>
          <xs:element name="Id" type="Party38Choice_NPC012-01_2025_V1.1_NCT_Inst_InterPSP_2" minOccurs="0"/>
          <xs:element name="CtryOfRes" type="CountryCode" minOccurs="0"/>
        </xs:sequence>
      </xs:restriction>
    </xs:complexContent>
  </xs:complexType>
  <xs:complexType name="PartyIdentification135_NPC012-01_2025_V1.1_NCT_Inst_InterPSP_3">
    <xs:complexContent>
      <xs:restriction base="PartyIdentification135">
        <xs:sequence>
          <xs:element name="Nm" type="Max140Text"/>
          <xs:element name="PstlAdr" type="PostalAddress24_NPC012-01_2025_V1.1_NCT_Inst_InterPSP" minOccurs="0"/>
          <xs:element name="Id" type="Party38Choice_NPC012-01_2025_V1.1_NCT_Inst_InterPSP_2" minOccurs="0"/>
        </xs:sequence>
      </xs:restriction>
    </xs:complexContent>
  </xs:complexType>
  <xs:complexType name="PaymentReturnReason6">
    <xs:annotation>
      <xs:documentation xml:lang="EN" source="Name">Payment Return Reason 6</xs:documentation>
      <xs:documentation xml:lang="EN" source="Definition">Provides further details on the reason of the return of the transaction.</xs:documentation>
    </xs:annotation>
    <xs:sequence>
      <xs:element name="Orgtr" type="PartyIdentification135">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">Originator</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">Party that issues the return.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="Rsn" type="ReturnReason5Choice">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">Reason</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">Specifies the reason for the return.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="AddtlInf" type="Max105Text">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">Additional Information</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">Further details on the return reason.</xs:documentation>
        </xs:annotation>
      </xs:element>
    </xs:sequence>
  </xs:complexType>
  <xs:complexType name="PaymentReturnReason6_NPC012-01_2025_V1.1_NCT_Inst_InterPSP">
    <xs:complexContent>
      <xs:restriction base="PaymentReturnReason6">
        <xs:sequence>
          <xs:element name="Orgtr" type="PartyIdentification135_NPC012-01_2025_V1.1_NCT_Inst_InterPSP">
            <xs:annotation>
              <xs:documentation source="Yellow Field"/>
              <xs:documentation source="Usage Rule">Mandatory.</xs:documentation>
              <xs:documentation source="Rulebook">AT-R002 The identification of the type of party initiating the “R” message.</xs:documentation>
              <xs:documentation source="Usage Rule">Limited to ‘AnyBIC’ for an Agent or ‘Name’ for a non-financial institution.</xs:documentation>
            </xs:annotation>
          </xs:element>
          <xs:element name="Rsn" type="ReturnReason5Choice_NPC012-01_2025_V1.1_NCT_Inst_InterPSP">
            <xs:annotation>
              <xs:documentation source="Yellow Field"/>
              <xs:documentation source="Usage Rule">Mandatory.</xs:documentation>
            </xs:annotation>
          </xs:element>
          <xs:element name="AddtlInf" type="Max105Text">
            <xs:annotation>
              <xs:documentation source="Yellow Field"/>
              <xs:documentation xml:lang="EN" source="Rulebook">AT-R053 The specific reference of the Originator PSP initiating the Recall.</xs:documentation>
              <xs:documentation source="Usage Rule">Mandatory.</xs:documentation>
              <xs:documentation source="Usage Rule">Only one occurrence starting with "ATR053/" followed by the information as per attribute description is allowed.</xs:documentation>
            </xs:annotation>
          </xs:element>
        </xs:sequence>
      </xs:restriction>
    </xs:complexContent>
  </xs:complexType>
  <xs:complexType name="PaymentReturnV09">
    <xs:annotation>
      <xs:documentation xml:lang="EN" source="Name">Payment Return V09</xs:documentation>
      <xs:documentation xml:lang="EN" source="Definition">
Scope
The PaymentReturn message is sent by an agent to the previous agent in the payment chain to undo a payment previously settled.
Usage
The PaymentReturn message is exchanged between agents to return funds after settlement of credit transfer instructions (that is FIToFICustomerCreditTransfer message and FinancialInstitutionCreditTransfer message) or direct debit instructions (FIToFICustomerDirectDebit message).
The PaymentReturn message should not be used between agents and non-financial institution customers. Non-financial institution customers will be informed about a debit or a credit on their account(s) through a BankToCustomerDebitCreditNotification message ('notification') and/or BankToCustomerAccountReport/BankToCustomerStatement message ('statement').
The PaymentReturn message can be used to return single instructions or multiple instructions from one or different files.
The PaymentReturn message can be used in domestic and cross-border scenarios.
The PaymentReturn message refers to the original instruction(s) by means of references only or by means of references and a set of elements from the original instruction.
      </xs:documentation>
    </xs:annotation>
    <xs:sequence>
      <xs:element name="GrpHdr" type="GroupHeader90">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">Group Header</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">Set of characteristics shared by all individual transactions included in the message.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="OrgnlGrpInf" type="OriginalGroupHeader18" minOccurs="0">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">Original Group Information</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">Information concerning the original group of transactions, to which the message refers.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="TxInf" type="PaymentTransaction112" maxOccurs="unbounded">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">Transaction Information</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">Information concerning the original transactions, to which the return message refers.</xs:documentation>
        </xs:annotation>
      </xs:element>
    </xs:sequence>
  </xs:complexType>
  <xs:complexType name="PaymentReturnV09_NPC012-01_2025_V1.1_NCT_Inst_InterPSP">
    <xs:complexContent>
      <xs:restriction base="PaymentReturnV09">
        <xs:sequence>
          <xs:element name="GrpHdr" type="GroupHeader90_NPC012-01_2025_V1.1_NCT_Inst_InterPSP">
            <xs:annotation>
              <xs:documentation source="Yellow Field"/>
            </xs:annotation>
          </xs:element>
          <xs:element name="OrgnlGrpInf" type="OriginalGroupHeader18_NPC012-01_2025_V1.1_NCT_Inst_InterPSP" minOccurs="0">
            <xs:annotation>
              <xs:documentation source="Yellow Field"/>
              <xs:documentation source="Usage Rule">Sub-elements of ‘Original Group Information’ must be present in either 'Original Group Information’ or in ‘Transaction Information’.</xs:documentation>
            </xs:annotation>
          </xs:element>
          <xs:element name="TxInf" type="PaymentTransaction112_NPC012-01_2025_V1.1_NCT_Inst_InterPSP" maxOccurs="unbounded">
            <xs:annotation>
              <xs:documentation source="Yellow Field"/>
              <xs:documentation source="Usage Rule">Mandatory.</xs:documentation>
            </xs:annotation>
          </xs:element>
        </xs:sequence>
      </xs:restriction>
    </xs:complexContent>
  </xs:complexType>
  <xs:complexType name="PaymentTransaction112">
    <xs:annotation>
      <xs:documentation xml:lang="EN" source="Name">Payment Transaction 112</xs:documentation>
      <xs:documentation xml:lang="EN" source="Definition">Provides further details on the reference and status on the original transactions, included in the original instruction, to which the return message applies.</xs:documentation>
    </xs:annotation>
    <xs:sequence>
      <xs:element name="RtrId" type="Max35Text">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">Return Identification</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">
Unique identification, as assigned by an instructing party for an instructed party, to unambiguously identify the returned transaction.
Usage: The instructing party is the party sending the return message and not the party that sent the original instruction that is being returned.
          </xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="OrgnlGrpInf" type="OriginalGroupInformation29" minOccurs="0">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">Original Group Information</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">Provides information on the original message.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="OrgnlInstrId" type="Max35Text" minOccurs="0">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">Original Instruction Identification</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">Unique identification, as assigned by the original instructing party for the original instructed party, to unambiguously identify the original instruction.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="OrgnlEndToEndId" type="Max35Text">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">Original End To End Identification</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">Unique identification, as assigned by the original initiating party, to unambiguously identify the original transaction.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="OrgnlTxId" type="Max35Text">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">Original Transaction Identification</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">Unique identification, as assigned by the original first instructing agent, to unambiguously identify the transaction.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="OrgnlUETR" type="UUIDv4Identifier" minOccurs="0">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">Original UETR</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">Universally unique identifier to provide the original end-to-end reference of a payment transaction.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="OrgnlIntrBkSttlmAmt" type="ActiveOrHistoricCurrencyAndAmount">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">Original Interbank Settlement Amount</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">Amount of money moved between the instructing agent and the instructed agent, as provided in the original instruction.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="RtrdIntrBkSttlmAmt" type="ActiveCurrencyAndAmount">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">Returned Interbank Settlement Amount</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">Amount of money to be moved between the instructing agent and the instructed agent in the returned instruction.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="RtrdInstdAmt" type="ActiveOrHistoricCurrencyAndAmount" minOccurs="0">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">Returned Instructed Amount</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">
Amount of money to be moved between the debtor and the creditor, before deduction of charges, in the returned transaction.
Usage: This amount has to be transported unchanged through the transaction chain.
          </xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="XchgRate" type="BaseOneRate" minOccurs="0">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">Exchange Rate</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">Factor used to convert an amount from one currency into another. This reflects the price at which one currency was bought with another currency.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="ChrgBr" type="ChargeBearerType1Code" minOccurs="0">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">Charge Bearer</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">
Specifies which party/parties will bear the charges associated with the processing of the payment transaction.

Usage: The ChargeBearer applies to the return message, not to the original instruction.
          </xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="ChrgsInf" type="Charges7" minOccurs="0">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">Charges Information</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">Provides information on the charges to be paid by the charge bearer(s) related to the processing of the return transaction.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="InstgAgt" type="BranchAndFinancialInstitutionIdentification6" minOccurs="0">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">Instructing Agent</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">
Agent that instructs the next party in the chain to carry out the (set of) instruction(s).

Usage: The instructing agent is the party sending the return message and not the party that sent the original instruction that is being returned.
          </xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="InstdAgt" type="BranchAndFinancialInstitutionIdentification6" minOccurs="0">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">Instructed Agent</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">
Agent that is instructed by the previous party in the chain to carry out the (set of) instruction(s).

Usage: The instructed agent is the party receiving the return message and not the party that received the original instruction that is being returned.
          </xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="RtrRsnInf" type="PaymentReturnReason6">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">Return Reason Information</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">Provides detailed information on the return reason.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="OrgnlTxRef" type="OriginalTransactionReference28">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">Original Transaction Reference</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">Key elements used to identify the original transaction that is being referred to.</xs:documentation>
        </xs:annotation>
      </xs:element>
    </xs:sequence>
  </xs:complexType>
  <xs:complexType name="PaymentTransaction112_NPC012-01_2025_V1.1_NCT_Inst_InterPSP">
    <xs:complexContent>
      <xs:restriction base="PaymentTransaction112">
        <xs:sequence>
          <xs:element name="RtrId" type="Max35Text">
            <xs:annotation>
              <xs:documentation source="Yellow Field"/>
              <xs:documentation source="Usage Rule">Mandatory.</xs:documentation>
              <xs:documentation source="Usage Rule">This ID must be forwarded to the Originator PSP and optionally to the Originator (and therefore it is not a point-to-point reference).</xs:documentation>
            </xs:annotation>
          </xs:element>
          <xs:element name="OrgnlGrpInf" type="OriginalGroupInformation29_NPC012-01_2025_V1.1_NCT_Inst_InterPSP" minOccurs="0">
            <xs:annotation>
              <xs:documentation source="Yellow Field"/>
              <xs:documentation source="Usage Rule">Sub-elements of ‘Original Group Information’ must be present in either 'Original Group Information’ or in ‘Transaction Information’.</xs:documentation>
            </xs:annotation>
          </xs:element>
          <xs:element name="OrgnlInstrId" type="Max35Text" minOccurs="0">
            <xs:annotation>
              <xs:documentation source="Yellow Field"/>
              <xs:documentation source="Usage Rule">Mandatory if provided in the original instruction.</xs:documentation>
            </xs:annotation>
          </xs:element>
          <xs:element name="OrgnlEndToEndId" type="Max35Text">
            <xs:annotation>
              <xs:documentation source="Yellow Field"/>
              <xs:documentation source="Usage Rule">Mandatory.</xs:documentation>
              <xs:documentation source="Rulebook">AT-T014 The Originator’s reference of the NCT Inst Instruction.</xs:documentation>
            </xs:annotation>
          </xs:element>
          <xs:element name="OrgnlTxId" type="Max35Text">
            <xs:annotation>
              <xs:documentation source="Yellow Field"/>
              <xs:documentation source="Usage Rule">Mandatory.</xs:documentation>
              <xs:documentation source="Rulebook">AT-T054 The Originator PSP’s reference of the NCT Inst Transaction message.</xs:documentation>
              <xs:documentation source="Usage Rule">Must contain a reference that is meaningful to the Originator’s PSP and is unique over time.</xs:documentation>
            </xs:annotation>
          </xs:element>
          <xs:element name="OrgnlUETR" type="UUIDv4Identifier" minOccurs="0">
            <xs:annotation>
              <xs:documentation source="Yellow Field"/>
            </xs:annotation>
          </xs:element>
          <xs:element name="OrgnlIntrBkSttlmAmt" type="ActiveOrHistoricCurrencyAndAmount_NPC012-01_2025_V1.1_NCT_Inst_InterPSP">
            <xs:annotation>
              <xs:documentation source="Yellow Field"/>
              <xs:documentation source="Usage Rule">Mandatory. Only ‘Scheme Currencies’ is allowed.</xs:documentation>
              <xs:documentation source="Rulebook">AT-T002 The amount of the NCT Inst in the relevant Scheme Currencies and the relevant currency code.</xs:documentation>
              <xs:documentation source="Format Rule">Amount must be 0.01 or more and 99999999999.99 or less.</xs:documentation>
              <xs:documentation source="Format Rule">The fractional part has a maximum of two digits.</xs:documentation>
            </xs:annotation>
          </xs:element>
          <xs:element name="RtrdIntrBkSttlmAmt" type="ActiveCurrencyAndAmount_NPC012-01_2025_V1.1_NCT_Inst_InterPSP_2">
            <xs:annotation>
              <xs:documentation source="Yellow Field"/>
              <xs:documentation source="Rulebook">AT-R054 The returned amount of the positive response to the Recall in the relevant Scheme Currency and the relevant currency code.</xs:documentation>
              <xs:documentation source="Usage Rule">Only ‘Scheme Currencies’ is allowed. The amount must be equal to the ‘Original Inter-PSP Settlement Amount’ less the ‘Amount’ under ‘Charges Information’.</xs:documentation>
              <xs:documentation source="Format Rule">Amount must be 0.01 or more and 99999999999.99 or less.</xs:documentation>
              <xs:documentation source="Format Rule">The fractional part has a maximum of two digits.</xs:documentation>
            </xs:annotation>
          </xs:element>
          <xs:element name="RtrdInstdAmt" type="ActiveOrHistoricCurrencyAndAmount_NPC012-01_2025_V1.1_NCT_Inst_InterPSP" minOccurs="0">
            <xs:annotation>
              <xs:documentation source="Yellow Field"/>
              <xs:documentation source="Format Rule">Amount must be 0.01 or more and 99999999999.99 or less.</xs:documentation>
              <xs:documentation source="Format Rule">The fractional part has a maximum of two digits.</xs:documentation>
            </xs:annotation>
          </xs:element>
          <xs:element name="XchgRate" type="BaseOneRate" minOccurs="0">
            <xs:annotation>
              <xs:documentation source="Yellow Field"/>
              <xs:documentation xml:lang="EN" source="Rulebook">AT-T005 Currency exchange rate applied on the Initial Amount</xs:documentation>
            </xs:annotation>
          </xs:element>
          <xs:element name="ChrgBr" type="ChargeBearerType1Code" minOccurs="0">
            <xs:annotation>
              <xs:documentation source="Yellow Field"/>
              <xs:documentation source="Usage Rule">'SHAR' or ‘SLEV’ to be used.</xs:documentation>
              <xs:documentation xml:lang="EN" source="Rulebook">AT-T006 Charge bearer</xs:documentation>
            </xs:annotation>
          </xs:element>
          <xs:element name="ChrgsInf" type="Charges7_NPC012-01_2025_V1.1_NCT_Inst_InterPSP" minOccurs="0">
            <xs:annotation>
              <xs:documentation source="Usage Rule">Only one occurrence is allowed.</xs:documentation>
              <xs:documentation source="Yellow Field"/>
            </xs:annotation>
          </xs:element>
          <xs:element name="InstgAgt" type="BranchAndFinancialInstitutionIdentification6_NPC012-01_2025_V1.1_NCT_Inst_InterPSP" minOccurs="0">
            <xs:annotation>
              <xs:documentation source="Yellow Field"/>
              <xs:documentation source="Usage Rule">Only BICFI is allowed.</xs:documentation>
            </xs:annotation>
          </xs:element>
          <xs:element name="InstdAgt" type="BranchAndFinancialInstitutionIdentification6_NPC012-01_2025_V1.1_NCT_Inst_InterPSP" minOccurs="0">
            <xs:annotation>
              <xs:documentation source="Yellow Field"/>
              <xs:documentation source="Usage Rule">Only BICFI is allowed.</xs:documentation>
            </xs:annotation>
          </xs:element>
          <xs:element name="RtrRsnInf" type="PaymentReturnReason6_NPC012-01_2025_V1.1_NCT_Inst_InterPSP">
            <xs:annotation>
              <xs:documentation source="Yellow Field"/>
              <xs:documentation source="Usage Rule">Mandatory. Only 'FOCR' is allowed.</xs:documentation>
              <xs:documentation source="Usage Rule">Only one occurrence of ‘Return Reason Information’ is allowed.</xs:documentation>
            </xs:annotation>
          </xs:element>
          <xs:element name="OrgnlTxRef" type="OriginalTransactionReference28_NPC012-01_2025_V1.1_NCT_Inst_InterPSP">
            <xs:annotation>
              <xs:documentation source="Yellow Field"/>
              <xs:documentation source="Usage Rule">Mandatory.</xs:documentation>
              <xs:documentation source="Rulebook">An exact copy of all attributes of the received DS-02 which is being returned.</xs:documentation>
              <xs:documentation source="Usage Rule">The message elements under ‘Original Transac-tion Reference’ must be populated with the same value as the message elements of the original in-struction as defined within the following elements.</xs:documentation>
            </xs:annotation>
          </xs:element>
        </xs:sequence>
      </xs:restriction>
    </xs:complexContent>
  </xs:complexType>
  <xs:complexType name="PaymentTypeInformation27">
    <xs:annotation>
      <xs:documentation xml:lang="EN" source="Name">Payment Type Information 27</xs:documentation>
      <xs:documentation xml:lang="EN" source="Definition">Provides further details of the type of payment.</xs:documentation>
    </xs:annotation>
    <xs:sequence>
      <xs:element name="SvcLvl" type="ServiceLevel8Choice">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">Service Level</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">Agreement under which or rules under which the transaction should be processed.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="LclInstrm" type="LocalInstrument2Choice">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">Local Instrument</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">
User community specific instrument.

Usage: This element is used to specify a local instrument, local clearing option and/or further qualify the service or service level.
          </xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="CtgyPurp" type="CategoryPurpose1Choice" minOccurs="0">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">Category Purpose</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">
Specifies the high level purpose of the instruction based on a set of pre-defined categories.
Usage: This is used by the initiating party to provide information concerning the processing of the payment. It is likely to trigger special processing by any of the agents involved in the payment chain.
          </xs:documentation>
        </xs:annotation>
      </xs:element>
    </xs:sequence>
  </xs:complexType>
  <xs:complexType name="PaymentTypeInformation27_NPC012-01_2025_V1.1_NCT_Inst_InterPSP">
    <xs:complexContent>
      <xs:restriction base="PaymentTypeInformation27">
        <xs:sequence>
          <xs:element name="SvcLvl" type="ServiceLevel8Choice_NPC012-01_2025_V1.1_NCT_Inst_InterPSP"/>
          <xs:element name="LclInstrm" type="LocalInstrument2Choice"/>
          <xs:element name="CtgyPurp" type="CategoryPurpose1Choice" minOccurs="0"/>
        </xs:sequence>
      </xs:restriction>
    </xs:complexContent>
  </xs:complexType>
  <xs:complexType name="PersonIdentification13">
    <xs:annotation>
      <xs:documentation xml:lang="EN" source="Name">Person Identification 13</xs:documentation>
      <xs:documentation xml:lang="EN" source="Definition">Unique and unambiguous way to identify a person.</xs:documentation>
    </xs:annotation>
    <xs:sequence>
      <xs:element name="DtAndPlcOfBirth" type="DateAndPlaceOfBirth1" minOccurs="0">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">Date And Place Of Birth</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">Date and place of birth of a person.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="Othr" type="GenericPersonIdentification1" minOccurs="0">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">Other</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">Unique identification of a person, as assigned by an institution, using an identification scheme.</xs:documentation>
        </xs:annotation>
      </xs:element>
    </xs:sequence>
  </xs:complexType>
  <xs:complexType name="PersonIdentification13_NPC012-01_2025_V1.1_NCT_Inst_InterPSP">
    <xs:complexContent>
      <xs:restriction base="PersonIdentification13">
        <xs:sequence>
          <xs:element name="DtAndPlcOfBirth" type="DateAndPlaceOfBirth1" minOccurs="0"/>
          <xs:element name="Othr" type="GenericPersonIdentification1" minOccurs="0"/>
        </xs:sequence>
      </xs:restriction>
    </xs:complexContent>
  </xs:complexType>
  <xs:complexType name="PersonIdentificationSchemeName1Choice">
    <xs:annotation>
      <xs:documentation xml:lang="EN" source="Name">Person Identification Scheme Name 1Choice</xs:documentation>
      <xs:documentation xml:lang="EN" source="Definition">Sets of elements to identify a name of the identification scheme.</xs:documentation>
    </xs:annotation>
    <xs:choice>
      <xs:element name="Cd" type="ExternalPersonIdentification1Code">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">Code</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">Name of the identification scheme, in a coded form as published in an external list.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="Prtry" type="Max35Text">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">Proprietary</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">Name of the identification scheme, in a free text form.</xs:documentation>
        </xs:annotation>
      </xs:element>
    </xs:choice>
  </xs:complexType>
  <xs:complexType name="PostalAddress24">
    <xs:annotation>
      <xs:documentation xml:lang="EN" source="Name">Postal Address 24</xs:documentation>
      <xs:documentation xml:lang="EN" source="Definition">Information that locates and identifies a specific address, as defined by postal services.</xs:documentation>
    </xs:annotation>
    <xs:sequence>
      <xs:element name="Dept" type="Max70Text" minOccurs="0">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">Department</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">Identification of a division of a large organisation or building.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="SubDept" type="Max70Text" minOccurs="0">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">Sub Department</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">Identification of a sub-division of a large organisation or building.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="StrtNm" type="Max70Text" minOccurs="0">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">Street Name</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">Name of a street or thoroughfare.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="BldgNb" type="Max16Text" minOccurs="0">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">Building Number</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">Number that identifies the position of a building on a street.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="BldgNm" type="Max35Text" minOccurs="0">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">Building Name</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">Name of the building or house.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="Flr" type="Max70Text" minOccurs="0">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">Floor</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">Floor or storey within a building.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="PstBx" type="Max16Text" minOccurs="0">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">Post Box</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">Numbered box in a post office, assigned to a person or organisation, where letters are kept until called for.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="Room" type="Max70Text" minOccurs="0">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">Room</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">Building room number.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="PstCd" type="Max16Text" minOccurs="0">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">Post Code</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">Identifier consisting of a group of letters and/or numbers that is added to a postal address to assist the sorting of mail.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="TwnNm" type="Max35Text" minOccurs="0">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">Town Name</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">Name of a built-up area, with defined boundaries, and a local government.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="TwnLctnNm" type="Max35Text" minOccurs="0">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">Town Location Name</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">Specific location name within the town.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="DstrctNm" type="Max35Text" minOccurs="0">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">District Name</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">Identifies a subdivision within a country sub-division.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="CtrySubDvsn" type="Max35Text" minOccurs="0">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">Country Sub Division</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">Identifies a subdivision of a country such as state, region, county.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="Ctry" type="CountryCode" minOccurs="0">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">Country</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">Nation with its own government.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="AdrLine" type="Max70Text" minOccurs="0" maxOccurs="2">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">Address Line</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">Information that locates and identifies a specific address, as defined by postal services, presented in free format text.</xs:documentation>
        </xs:annotation>
      </xs:element>
    </xs:sequence>
  </xs:complexType>
  <xs:complexType name="PostalAddress24_NPC012-01_2025_V1.1_NCT_Inst_InterPSP">
    <xs:complexContent>
      <xs:restriction base="PostalAddress24">
        <xs:sequence>
          <xs:element name="Dept" type="Max70Text" minOccurs="0"/>
          <xs:element name="SubDept" type="Max70Text" minOccurs="0"/>
          <xs:element name="StrtNm" type="Max70Text" minOccurs="0"/>
          <xs:element name="BldgNb" type="Max16Text" minOccurs="0"/>
          <xs:element name="BldgNm" type="Max35Text" minOccurs="0"/>
          <xs:element name="Flr" type="Max70Text" minOccurs="0"/>
          <xs:element name="PstBx" type="Max16Text" minOccurs="0"/>
          <xs:element name="Room" type="Max70Text" minOccurs="0"/>
          <xs:element name="PstCd" type="Max16Text" minOccurs="0"/>
          <xs:element name="TwnNm" type="Max35Text" minOccurs="0"/>
          <xs:element name="TwnLctnNm" type="Max35Text" minOccurs="0"/>
          <xs:element name="DstrctNm" type="Max35Text" minOccurs="0"/>
          <xs:element name="CtrySubDvsn" type="Max35Text" minOccurs="0"/>
          <xs:element name="Ctry" type="CountryCode" minOccurs="0"/>
          <xs:element name="AdrLine" type="Max70Text" minOccurs="0" maxOccurs="2"/>
        </xs:sequence>
      </xs:restriction>
    </xs:complexContent>
  </xs:complexType>
  <xs:complexType name="ProxyAccountIdentification1">
    <xs:annotation>
      <xs:documentation xml:lang="EN" source="Name">Proxy Account Identification 1</xs:documentation>
      <xs:documentation xml:lang="EN" source="Definition">Information related to a proxy  identification of the account.</xs:documentation>
    </xs:annotation>
    <xs:sequence>
      <xs:element name="Tp" type="ProxyAccountType1Choice" minOccurs="0">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">Type</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">Type of the proxy identification.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="Id" type="Max2048Text">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">Identification</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">Identification used to indicate the account identification under another specified name.</xs:documentation>
        </xs:annotation>
      </xs:element>
    </xs:sequence>
  </xs:complexType>
  <xs:complexType name="ProxyAccountIdentification1_NPC012-01_2025_V1.1_NCT_Inst_InterPSP">
    <xs:complexContent>
      <xs:restriction base="ProxyAccountIdentification1">
        <xs:sequence>
          <xs:element name="Tp" type="ProxyAccountType1Choice_NPC012-01_2025_V1.1_NCT_Inst_InterPSP" minOccurs="0">
            <xs:annotation>
              <xs:documentation source="Usage Rule">Either Code or Proprietary to be used</xs:documentation>
              <xs:documentation source="Yellow Field"/>
            </xs:annotation>
          </xs:element>
          <xs:element name="Id" type="Max2048Text_NPC012-01_2025_V1.1_NCT_Inst_InterPSP">
            <xs:annotation>
              <xs:documentation source="Yellow Field"/>
              <xs:documentation source="Usage Rule">The ‘Alias’ or ’Proxy’ defined by Code or Proprietary (e.g. Swedish Bankgiro number, Swedish Plusgiro number etc).</xs:documentation>
            </xs:annotation>
          </xs:element>
        </xs:sequence>
      </xs:restriction>
    </xs:complexContent>
  </xs:complexType>
  <xs:complexType name="ProxyAccountIdentification1_NPC012-01_2025_V1.1_NCT_Inst_InterPSP_2">
    <xs:complexContent>
      <xs:restriction base="ProxyAccountIdentification1">
        <xs:sequence>
          <xs:element name="Tp" type="ProxyAccountType1Choice_NPC012-01_2025_V1.1_NCT_Inst_InterPSP_2" minOccurs="0">
            <xs:annotation>
              <xs:documentation source="Usage Rule">Either Code or Proprietary to be used</xs:documentation>
              <xs:documentation source="Yellow Field"/>
            </xs:annotation>
          </xs:element>
          <xs:element name="Id" type="Max2048Text_NPC012-01_2025_V1.1_NCT_Inst_InterPSP">
            <xs:annotation>
              <xs:documentation source="Usage Rule">The ‘Alias’ or ’Proxy’ defined by Code or Proprietary (e.g. Swedish Bankgiro number, Swedish Plusgiro number, Danish FIK Code etc).</xs:documentation>
              <xs:documentation source="Yellow Field"/>
            </xs:annotation>
          </xs:element>
        </xs:sequence>
      </xs:restriction>
    </xs:complexContent>
  </xs:complexType>
  <xs:complexType name="ProxyAccountType1Choice">
    <xs:annotation>
      <xs:documentation xml:lang="EN" source="Name">Proxy Account Type 1Choice</xs:documentation>
      <xs:documentation xml:lang="EN" source="Definition">Specifies the scheme used for the identification of an account alias.</xs:documentation>
    </xs:annotation>
    <xs:choice>
      <xs:element name="Cd" type="ExternalProxyAccountType1Code">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">Code</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">Name of the identification scheme, in a coded form as published in an external list.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="Prtry" type="Max35Text">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">Proprietary</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">Name of the identification scheme, in a free text form.</xs:documentation>
        </xs:annotation>
      </xs:element>
    </xs:choice>
  </xs:complexType>
  <xs:complexType name="ProxyAccountType1Choice_NPC012-01_2025_V1.1_NCT_Inst_InterPSP">
    <xs:complexContent>
      <xs:restriction base="ProxyAccountType1Choice">
        <xs:choice>
          <xs:element name="Cd" type="ExternalProxyAccountType1Code">
            <xs:annotation>
              <xs:documentation source="Yellow Field"/>
            </xs:annotation>
          </xs:element>
          <xs:element name="Prtry" type="Max35Text">
            <xs:annotation>
              <xs:documentation source="Yellow Field"/>
              <xs:documentation source="Usage Rule">Proprietary codes specifying the type of ‘Alias’ or ‘Proxy’ in AT-P003 (e.g. Swedish Bankgiro number, Swedish Plusgiro number etc).</xs:documentation>
            </xs:annotation>
          </xs:element>
        </xs:choice>
      </xs:restriction>
    </xs:complexContent>
  </xs:complexType>
  <xs:complexType name="ProxyAccountType1Choice_NPC012-01_2025_V1.1_NCT_Inst_InterPSP_2">
    <xs:complexContent>
      <xs:restriction base="ProxyAccountType1Choice">
        <xs:choice>
          <xs:element name="Cd" type="ExternalProxyAccountType1Code">
            <xs:annotation>
              <xs:documentation source="Yellow Field"/>
            </xs:annotation>
          </xs:element>
          <xs:element name="Prtry" type="Max35Text">
            <xs:annotation>
              <xs:documentation source="Usage Rule">Proprietary codes specifying the type of ‘Alias’ or ‘Proxy’ in AT-E003 (e.g. Swedish Bankgiro number, Swedish Plusgiro number, Danish FIK Creditor ID etc).</xs:documentation>
              <xs:documentation source="Yellow Field"/>
            </xs:annotation>
          </xs:element>
        </xs:choice>
      </xs:restriction>
    </xs:complexContent>
  </xs:complexType>
  <xs:complexType name="Purpose2Choice">
    <xs:annotation>
      <xs:documentation xml:lang="EN" source="Name">Purpose 2Choice</xs:documentation>
      <xs:documentation xml:lang="EN" source="Definition">
Specifies the underlying reason for the payment transaction.
Usage: Purpose is used by the end-customers, that is initiating party, (ultimate) debtor, (ultimate) creditor to provide information concerning the nature of the payment. Purpose is a content element, which is not used for processing by any of the agents involved in the payment chain.
      </xs:documentation>
    </xs:annotation>
    <xs:choice>
      <xs:element name="Cd" type="ExternalPurpose1Code">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">Code</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">Underlying reason for the payment transaction, as published in an external purpose code list.</xs:documentation>
        </xs:annotation>
      </xs:element>
    </xs:choice>
  </xs:complexType>
  <xs:complexType name="ReferredDocumentInformation7">
    <xs:annotation>
      <xs:documentation xml:lang="EN" source="Name">Referred Document Information 7</xs:documentation>
      <xs:documentation xml:lang="EN" source="Definition">Set of elements used to identify the documents referred to in the remittance information.</xs:documentation>
    </xs:annotation>
    <xs:sequence>
      <xs:element name="Tp" type="ReferredDocumentType4" minOccurs="0">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">Type</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">Specifies the type of referred document.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="Nb" type="Max35Text" minOccurs="0">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">Number</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">Unique and unambiguous identification of the referred document.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="RltdDt" type="ISODate" minOccurs="0">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">Related Date</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">Date associated with the referred document.</xs:documentation>
        </xs:annotation>
      </xs:element>
    </xs:sequence>
  </xs:complexType>
  <xs:complexType name="ReferredDocumentType3Choice">
    <xs:annotation>
      <xs:documentation xml:lang="EN" source="Name">Referred Document Type 3Choice</xs:documentation>
      <xs:documentation xml:lang="EN" source="Definition">Specifies the type of the document referred in the remittance information.</xs:documentation>
    </xs:annotation>
    <xs:choice>
      <xs:element name="Cd" type="DocumentType6Code">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">Code</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">Document type in a coded form.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="Prtry" type="Max35Text">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">Proprietary</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">Proprietary identification of the type of the remittance document.</xs:documentation>
        </xs:annotation>
      </xs:element>
    </xs:choice>
  </xs:complexType>
  <xs:complexType name="ReferredDocumentType4">
    <xs:annotation>
      <xs:documentation xml:lang="EN" source="Name">Referred Document Type 4</xs:documentation>
      <xs:documentation xml:lang="EN" source="Definition">Specifies the type of the document referred in the remittance information.</xs:documentation>
    </xs:annotation>
    <xs:sequence>
      <xs:element name="CdOrPrtry" type="ReferredDocumentType3Choice">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">Code Or Proprietary</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">Provides the type details of the referred document.</xs:documentation>
        </xs:annotation>
      </xs:element>
    </xs:sequence>
  </xs:complexType>
  <xs:complexType name="RemittanceAmount2">
    <xs:annotation>
      <xs:documentation xml:lang="EN" source="Name">Remittance Amount 2</xs:documentation>
      <xs:documentation xml:lang="EN" source="Definition">Nature of the amount and currency on a document referred to in the remittance section, typically either the original amount due/payable or the amount actually remitted for the referenced document.</xs:documentation>
    </xs:annotation>
    <xs:sequence>
      <xs:element name="DuePyblAmt" type="ActiveOrHistoricCurrencyAndAmount" minOccurs="0">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">Due Payable Amount</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">Amount specified is the exact amount due and payable to the creditor.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="DscntApldAmt" type="DiscountAmountAndType1" minOccurs="0" maxOccurs="unbounded">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">Discount Applied Amount</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">Amount specified for the referred document is the amount of discount to be applied to the amount due and payable to the creditor.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="CdtNoteAmt" type="ActiveOrHistoricCurrencyAndAmount" minOccurs="0">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">Credit Note Amount</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">Amount specified for the referred document is the amount of a credit note.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="TaxAmt" type="TaxAmountAndType1" minOccurs="0" maxOccurs="unbounded">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">Tax Amount</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">Quantity of cash resulting from the calculation of the tax.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="AdjstmntAmtAndRsn" type="DocumentAdjustment1" minOccurs="0" maxOccurs="unbounded">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">Adjustment Amount And Reason</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">Specifies detailed information on the amount and reason of the document adjustment.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="RmtdAmt" type="ActiveOrHistoricCurrencyAndAmount" minOccurs="0">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">Remitted Amount</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">Amount of money remitted for the referred document.</xs:documentation>
        </xs:annotation>
      </xs:element>
    </xs:sequence>
  </xs:complexType>
  <xs:complexType name="RemittanceInformation16">
    <xs:annotation>
      <xs:documentation xml:lang="EN" source="Name">Remittance Information 16</xs:documentation>
      <xs:documentation xml:lang="EN" source="Definition">Information supplied to enable the matching/reconciliation of an entry with the items that the payment is intended to settle, such as commercial invoices in an accounts' receivable system.</xs:documentation>
    </xs:annotation>
    <xs:sequence>
      <xs:element name="Ustrd" type="Max140Text" minOccurs="0">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">Unstructured</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">Information supplied to enable the matching/reconciliation of an entry with the items that the payment is intended to settle, such as commercial invoices in an accounts' receivable system, in an unstructured form.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="Strd" type="StructuredRemittanceInformation16" minOccurs="0">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">Structured</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">Information supplied to enable the matching/reconciliation of an entry with the items that the payment is intended to settle, such as commercial invoices in an accounts' receivable system, in a structured form.</xs:documentation>
        </xs:annotation>
      </xs:element>
    </xs:sequence>
  </xs:complexType>
  <xs:complexType name="RemittanceInformation16_NPC012-01_2025_V1.1_NCT_Inst_InterPSP">
    <xs:complexContent>
      <xs:restriction base="RemittanceInformation16">
        <xs:sequence>
          <xs:element name="Ustrd" type="Max140Text" minOccurs="0"/>
          <xs:element name="Strd" type="StructuredRemittanceInformation16_NPC012-01_2025_V1.1_NCT_Inst_InterPSP" minOccurs="0"/>
        </xs:sequence>
      </xs:restriction>
    </xs:complexContent>
  </xs:complexType>
  <xs:complexType name="ReturnReason5Choice">
    <xs:annotation>
      <xs:documentation xml:lang="EN" source="Name">Return Reason 5Choice</xs:documentation>
      <xs:documentation xml:lang="EN" source="Definition">Specifies the reason for the return of the transaction.</xs:documentation>
    </xs:annotation>
    <xs:choice>
      <xs:element name="Cd" type="ExternalReturnReason1Code">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">Code</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">Reason for the return, as published in an external reason code list.</xs:documentation>
        </xs:annotation>
      </xs:element>
    </xs:choice>
  </xs:complexType>
  <xs:complexType name="ReturnReason5Choice_NPC012-01_2025_V1.1_NCT_Inst_InterPSP">
    <xs:complexContent>
      <xs:restriction base="ReturnReason5Choice">
        <xs:choice>
          <xs:element name="Cd" type="ExternalReturnReason1Code_NPC012-01_2025_V1.1_NCT_Inst_InterPSP">
            <xs:annotation>
              <xs:documentation source="Yellow Field"/>
              <xs:documentation source="Rulebook">Only 'FOCR' is allowed.</xs:documentation>
            </xs:annotation>
          </xs:element>
        </xs:choice>
      </xs:restriction>
    </xs:complexContent>
  </xs:complexType>
  <xs:complexType name="ServiceLevel8Choice">
    <xs:annotation>
      <xs:documentation xml:lang="EN" source="Name">Service Level 8Choice</xs:documentation>
      <xs:documentation xml:lang="EN" source="Definition">Specifies the service level of the transaction.</xs:documentation>
    </xs:annotation>
    <xs:choice>
      <xs:element name="Cd" type="ExternalServiceLevel1Code">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">Code</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">Specifies a pre-agreed service or level of service between the parties, as published in an external service level code list.</xs:documentation>
        </xs:annotation>
      </xs:element>
    </xs:choice>
  </xs:complexType>
  <xs:complexType name="ServiceLevel8Choice_NPC012-01_2025_V1.1_NCT_Inst_InterPSP">
    <xs:complexContent>
      <xs:restriction base="ServiceLevel8Choice">
        <xs:choice>
          <xs:element name="Cd" type="ExternalServiceLevel1Code_NPC012-01_2025_V1.1_NCT_Inst_InterPSP"/>
        </xs:choice>
      </xs:restriction>
    </xs:complexContent>
  </xs:complexType>
  <xs:complexType name="SettlementInstruction7">
    <xs:annotation>
      <xs:documentation xml:lang="EN" source="Name">Settlement Instruction 7</xs:documentation>
      <xs:documentation xml:lang="EN" source="Definition">Provides further details on the settlement of the instruction.</xs:documentation>
    </xs:annotation>
    <xs:sequence>
      <xs:element name="SttlmMtd" type="SettlementMethod1Code">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">Settlement Method</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">Method used to settle the (batch of) payment instructions.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="SttlmAcct" type="CashAccount38" minOccurs="0">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">Settlement Account</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">A specific purpose account used to post debit and credit entries as a result of the transaction.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="ClrSys" type="ClearingSystemIdentification3Choice" minOccurs="0">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">Clearing System</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">Specification of a pre-agreed offering between clearing agents or the channel through which the payment instruction is processed.</xs:documentation>
        </xs:annotation>
      </xs:element>
    </xs:sequence>
  </xs:complexType>
  <xs:complexType name="SettlementInstruction7_NPC012-01_2025_V1.1_NCT_Inst_InterPSP">
    <xs:complexContent>
      <xs:restriction base="SettlementInstruction7">
        <xs:sequence>
          <xs:element name="SttlmMtd" type="SettlementMethod1Code">
            <xs:annotation>
              <xs:documentation source="Yellow Field"/>
              <xs:documentation source="Usage Rule">Only CLRG, INGA and INDA are allowed.</xs:documentation>
            </xs:annotation>
          </xs:element>
          <xs:element name="SttlmAcct" type="CashAccount38_NPC012-01_2025_V1.1_NCT_Inst_InterPSP" minOccurs="0">
            <xs:annotation>
              <xs:documentation source="Yellow Field"/>
              <xs:documentation source="Usage Rule">Only ‘Identification’ is allowed.</xs:documentation>
            </xs:annotation>
          </xs:element>
          <xs:element name="ClrSys" type="ClearingSystemIdentification3Choice_NPC012-01_2025_V1.1_NCT_Inst_InterPSP" minOccurs="0">
            <xs:annotation>
              <xs:documentation source="Yellow Field"/>
            </xs:annotation>
          </xs:element>
        </xs:sequence>
      </xs:restriction>
    </xs:complexContent>
  </xs:complexType>
  <xs:complexType name="SettlementInstruction7_NPC012-01_2025_V1.1_NCT_Inst_InterPSP_2">
    <xs:complexContent>
      <xs:restriction base="SettlementInstruction7">
        <xs:sequence>
          <xs:element name="SttlmMtd" type="SettlementMethod1Code"/>
          <xs:element name="SttlmAcct" type="CashAccount38_NPC012-01_2025_V1.1_NCT_Inst_InterPSP" minOccurs="0"/>
          <xs:element name="ClrSys" type="ClearingSystemIdentification3Choice" minOccurs="0"/>
        </xs:sequence>
      </xs:restriction>
    </xs:complexContent>
  </xs:complexType>
  <xs:simpleType name="SettlementMethod1Code">
    <xs:annotation>
      <xs:documentation xml:lang="EN" source="Name">Settlement Method 1Code</xs:documentation>
      <xs:documentation xml:lang="EN" source="Definition">Specifies the method used to settle the credit transfer instruction.</xs:documentation>
    </xs:annotation>
    <xs:restriction base="xs:string">
      <xs:enumeration value="CLRG">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">ClearingSystem</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">Settlement is done through a payment clearing system.</xs:documentation>
        </xs:annotation>
      </xs:enumeration>
      <xs:enumeration value="INDA">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">InstructedAgent</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">Settlement is done by the agent instructed to execute a payment instruction.</xs:documentation>
        </xs:annotation>
      </xs:enumeration>
      <xs:enumeration value="INGA">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">InstructingAgent</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">Settlement is done by the agent instructing and forwarding the payment to the next party in the payment chain.</xs:documentation>
        </xs:annotation>
      </xs:enumeration>
    </xs:restriction>
  </xs:simpleType>
  <xs:complexType name="StructuredRemittanceInformation16">
    <xs:annotation>
      <xs:documentation xml:lang="EN" source="Name">Structured Remittance Information 16</xs:documentation>
      <xs:documentation xml:lang="EN" source="Definition">Information supplied to enable the matching/reconciliation of an entry with the items that the payment is intended to settle, such as commercial invoices in an accounts' receivable system, in a structured form.</xs:documentation>
    </xs:annotation>
    <xs:sequence>
      <xs:element name="RfrdDocInf" type="ReferredDocumentInformation7" minOccurs="0" maxOccurs="unbounded">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">Referred Document Information</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">Provides the identification and the content of the referred document.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="RfrdDocAmt" type="RemittanceAmount2" minOccurs="0">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">Referred Document Amount</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">Provides details on the amounts of the referred document.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="CdtrRefInf" type="CreditorReferenceInformation2" minOccurs="0">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">Creditor Reference Information</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">Reference information provided by the creditor to allow the identification of the underlying documents.</xs:documentation>
        </xs:annotation>
      </xs:element>
    </xs:sequence>
  </xs:complexType>
  <xs:complexType name="StructuredRemittanceInformation16_NPC012-01_2025_V1.1_NCT_Inst_InterPSP">
    <xs:complexContent>
      <xs:restriction base="StructuredRemittanceInformation16">
        <xs:sequence>
          <xs:element name="RfrdDocInf" type="ReferredDocumentInformation7" minOccurs="0" maxOccurs="unbounded"/>
          <xs:element name="RfrdDocAmt" type="RemittanceAmount2" minOccurs="0"/>
          <xs:element name="CdtrRefInf" type="CreditorReferenceInformation2_NPC012-01_2025_V1.1_NCT_Inst_InterPSP" minOccurs="0"/>
        </xs:sequence>
      </xs:restriction>
    </xs:complexContent>
  </xs:complexType>
  <xs:complexType name="TaxAmountAndType1">
    <xs:annotation>
      <xs:documentation xml:lang="EN" source="Name">Tax Amount And Type 1</xs:documentation>
      <xs:documentation xml:lang="EN" source="Definition">Specifies the amount with a specific type.</xs:documentation>
    </xs:annotation>
    <xs:sequence>
      <xs:element name="Tp" type="TaxAmountType1Choice" minOccurs="0">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">Type</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">Specifies the type of the amount.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="Amt" type="ActiveOrHistoricCurrencyAndAmount">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">Amount</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">Amount of money, which has been typed.</xs:documentation>
        </xs:annotation>
      </xs:element>
    </xs:sequence>
  </xs:complexType>
  <xs:complexType name="TaxAmountType1Choice">
    <xs:annotation>
      <xs:documentation xml:lang="EN" source="Name">Tax Amount Type 1Choice</xs:documentation>
      <xs:documentation xml:lang="EN" source="Definition">Specifies the amount type.</xs:documentation>
    </xs:annotation>
    <xs:choice>
      <xs:element name="Cd" type="ExternalTaxAmountType1Code">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">Code</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">Specifies the amount type, in a coded form.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="Prtry" type="Max35Text">
        <xs:annotation>
          <xs:documentation xml:lang="EN" source="Name">Proprietary</xs:documentation>
          <xs:documentation xml:lang="EN" source="Definition">Specifies the amount type, in a free-text form.</xs:documentation>
        </xs:annotation>
      </xs:element>
    </xs:choice>
  </xs:complexType>
  <xs:simpleType name="UUIDv4Identifier">
    <xs:annotation>
      <xs:documentation xml:lang="EN" source="Name">UUIDv 4Identifier</xs:documentation>
      <xs:documentation xml:lang="EN" source="Definition">Universally Unique IDentifier (UUID) version 4, as described in IETC RFC 4122 "Universally Unique IDentifier (UUID) URN Namespace".</xs:documentation>
    </xs:annotation>
    <xs:restriction base="xs:string">
      <xs:pattern value="[a-f0-9]{8}-[a-f0-9]{4}-4[a-f0-9]{3}-[89ab][a-f0-9]{3}-[a-f0-9]{12}"/>
    </xs:restriction>
  </xs:simpleType>
</xs:schema>
