pain.008.001.08 — valid CORE direct debit, collected after 2026-11-15

<?xml version="1.0" encoding="UTF-8"?>
<!--
  ValidateFin sample file — SEPA Direct Debit, pain.008.001.08, CORE scheme.
  Expected validation result: VALID — 3 collections, 228.80 EUR.

  This sample is deliberately dated AFTER the EPC structured-address cut-off of
  2026-11-15: the collection date (ReqdColltnDt) is 2026-11-20, so every creditor
  and debtor address must be structured (TwnNm + Ctry, no AdrLine) or hybrid.
  It is the reference for what a compliant post-2026 SEPA Direct Debit looks like.

  All parties are fictitious. The IBANs pass the mod-97 check and the Creditor
  Scheme Identifier (ICS) passes the ISO 7064 MOD 97-10 check.
  Reference page: https://validatefin.com/en/resources/samples/sepa-pain008-v08-valid
  License: CC-BY-4.0
-->
<Document xmlns="urn:iso:std:iso:20022:tech:xsd:pain.008.001.08"
          xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
  <CstmrDrctDbtInitn>
    <GrpHdr>
      <MsgId>SDD-CORE-20261117-001</MsgId>
      <CreDtTm>2026-11-17T08:40:00</CreDtTm>
      <NbOfTxs>3</NbOfTxs>
      <CtrlSum>228.80</CtrlSum>
      <InitgPty>
        <Nm>Nordwind Software GmbH</Nm>
      </InitgPty>
    </GrpHdr>
    <PmtInf>
      <PmtInfId>PMT-SDD-20261117-CORE</PmtInfId>
      <PmtMtd>DD</PmtMtd>
      <NbOfTxs>3</NbOfTxs>
      <CtrlSum>228.80</CtrlSum>
      <PmtTpInf>
        <SvcLvl>
          <Cd>SEPA</Cd>
        </SvcLvl>
        <LclInstrm>
          <Cd>CORE</Cd>
        </LclInstrm>
        <SeqTp>RCUR</SeqTp>
      </PmtTpInf>
      <ReqdColltnDt>2026-11-20</ReqdColltnDt>
      <Cdtr>
        <Nm>Nordwind Software GmbH</Nm>
        <PstlAdr>
          <StrtNm>Hafenstrasse</StrtNm>
          <BldgNb>18</BldgNb>
          <PstCd>20359</PstCd>
          <TwnNm>Hamburg</TwnNm>
          <Ctry>DE</Ctry>
        </PstlAdr>
      </Cdtr>
      <CdtrAcct>
        <Id>
          <IBAN>DE89370400440532013000</IBAN>
        </Id>
        <Ccy>EUR</Ccy>
      </CdtrAcct>
      <CdtrAgt>
        <FinInstnId>
          <BICFI>COBADEFF</BICFI>
        </FinInstnId>
      </CdtrAgt>
      <ChrgBr>SLEV</ChrgBr>
      <CdtrSchmeId>
        <Id>
          <PrvtId>
            <Othr>
              <Id>DE52ZZZ12345678</Id>
              <SchmeNm>
                <Prtry>SEPA</Prtry>
              </SchmeNm>
            </Othr>
          </PrvtId>
        </Id>
      </CdtrSchmeId>
      <DrctDbtTxInf>
        <PmtId>
          <EndToEndId>E2E-CORE-2026-1101</EndToEndId>
        </PmtId>
        <InstdAmt Ccy="EUR">49.90</InstdAmt>
        <DrctDbtTx>
          <MndtRltdInf>
            <MndtId>MNDT-SDD-2025-0410</MndtId>
            <DtOfSgntr>2025-04-10</DtOfSgntr>
            <AmdmntInd>false</AmdmntInd>
          </MndtRltdInf>
        </DrctDbtTx>
        <DbtrAgt>
          <FinInstnId>
            <BICFI>BYLADEM1001</BICFI>
          </FinInstnId>
        </DbtrAgt>
        <Dbtr>
          <Nm>Keller Logistik GmbH</Nm>
          <PstlAdr>
            <StrtNm>Ringstrasse</StrtNm>
            <BldgNb>7</BldgNb>
            <PstCd>80331</PstCd>
            <TwnNm>Muenchen</TwnNm>
            <Ctry>DE</Ctry>
          </PstlAdr>
        </Dbtr>
        <DbtrAcct>
          <Id>
            <IBAN>DE02120300000000202051</IBAN>
          </Id>
        </DbtrAcct>
        <RmtInf>
          <Ustrd>Lizenz November 2026 - Rechnung NW-2026-1101</Ustrd>
        </RmtInf>
      </DrctDbtTxInf>
      <DrctDbtTxInf>
        <PmtId>
          <EndToEndId>E2E-CORE-2026-1102</EndToEndId>
        </PmtId>
        <InstdAmt Ccy="EUR">49.90</InstdAmt>
        <DrctDbtTx>
          <MndtRltdInf>
            <MndtId>MNDT-SDD-2025-0622</MndtId>
            <DtOfSgntr>2025-06-22</DtOfSgntr>
            <AmdmntInd>false</AmdmntInd>
          </MndtRltdInf>
        </DrctDbtTx>
        <DbtrAgt>
          <FinInstnId>
            <BICFI>ABNANL2A</BICFI>
          </FinInstnId>
        </DbtrAgt>
        <Dbtr>
          <Nm>De Vries Advies BV</Nm>
          <PstlAdr>
            <StrtNm>Keizersgracht</StrtNm>
            <BldgNb>124</BldgNb>
            <PstCd>1015 CW</PstCd>
            <TwnNm>Amsterdam</TwnNm>
            <Ctry>NL</Ctry>
          </PstlAdr>
        </Dbtr>
        <DbtrAcct>
          <Id>
            <IBAN>NL91ABNA0417164300</IBAN>
          </Id>
        </DbtrAcct>
        <RmtInf>
          <Ustrd>Lizenz November 2026 - Rechnung NW-2026-1102</Ustrd>
        </RmtInf>
      </DrctDbtTxInf>
      <DrctDbtTxInf>
        <PmtId>
          <EndToEndId>E2E-CORE-2026-1103</EndToEndId>
        </PmtId>
        <InstdAmt Ccy="EUR">129.00</InstdAmt>
        <DrctDbtTx>
          <MndtRltdInf>
            <MndtId>MNDT-SDD-2024-0915</MndtId>
            <DtOfSgntr>2024-09-15</DtOfSgntr>
            <AmdmntInd>false</AmdmntInd>
          </MndtRltdInf>
        </DrctDbtTx>