pain.008.001.08 — Due Date on Easter Monday, a TARGET closing day

<?xml version="1.0" encoding="UTF-8"?>
<!--
  ValidateFin sample file — SEPA Direct Debit, pain.008.001.08, CORE scheme.
  Expected validation result: VALID — 2 collections, 310.00 EUR.

  THE POINT OF THIS FILE: the requested collection date (ReqdColltnDt) is
  2026-04-06 — Easter Monday, a day the TARGET system is CLOSED.

  That is NOT an error, and a validator that rejected it would reject a file the
  scheme accepts. The EPC rulebook does not forbid a Due Date on a closed day, it
  DEFINES what happens to it:

    "If the Due Date falls on a day which is not an Inter-PSP Business Day, then
     the Settlement Date will be the next Inter-PSP Business Day."
     — EPC016-06, 2025 SEPA Direct Debit Core Scheme Rulebook

  So the money does not move on 6 April. It moves on Tuesday 7 April 2026, the
  next day TARGET is open. And because the collection must reach the debtor bank
  one Inter-PSP Business Day before settlement (D-1), the latest presentation is
  Thursday 2 April — not Monday 6, and not Friday 3, which is Good Friday.

  The file is valid: ValidateFin says WHEN THE MONEY WILL MOVE, it never calls
  the date a fault. Check it against /tools/sepa-dates.

  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-target-closing-day
  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-20260330-001</MsgId>
      <CreDtTm>2026-03-30T09:00:00</CreDtTm>
      <NbOfTxs>2</NbOfTxs>
      <CtrlSum>310.00</CtrlSum>
      <InitgPty>
        <Nm>Atelier Duval SARL</Nm>
      </InitgPty>
    </GrpHdr>
    <PmtInf>
      <PmtInfId>PMT-SDD-20260330-CORE</PmtInfId>
      <PmtMtd>DD</PmtMtd>
      <NbOfTxs>2</NbOfTxs>
      <CtrlSum>310.00</CtrlSum>
      <PmtTpInf>
        <SvcLvl>
          <Cd>SEPA</Cd>
        </SvcLvl>
        <LclInstrm>
          <Cd>CORE</Cd>
        </LclInstrm>
        <SeqTp>RCUR</SeqTp>
      </PmtTpInf>
      <!-- Lundi de Pâques 2026 : TARGET est fermé. Le règlement roule au 07/04. -->
      <ReqdColltnDt>2026-04-06</ReqdColltnDt>
      <Cdtr>
        <Nm>Atelier Duval SARL</Nm>
        <PstlAdr>
          <StrtNm>Rue de la Gare</StrtNm>
          <BldgNb>12</BldgNb>
          <PstCd>59000</PstCd>
          <TwnNm>Lille</TwnNm>
          <Ctry>FR</Ctry>
        </PstlAdr>
      </Cdtr>
      <CdtrAcct>
        <Id>
          <IBAN>FR7630006000011234567890189</IBAN>
        </Id>
        <Ccy>EUR</Ccy>
      </CdtrAcct>
      <CdtrAgt>
        <FinInstnId>
          <BICFI>AGRIFRPP</BICFI>
        </FinInstnId>
      </CdtrAgt>
      <ChrgBr>SLEV</ChrgBr>
      <CdtrSchmeId>
        <Id>
          <PrvtId>
            <Othr>
              <Id>FR72ZZZ123456</Id>
              <SchmeNm>
                <Prtry>SEPA</Prtry>
              </SchmeNm>
            </Othr>
          </PrvtId>
        </Id>
      </CdtrSchmeId>
      <DrctDbtTxInf>
        <PmtId>
          <EndToEndId>E2E-CORE-2026-0401</EndToEndId>
        </PmtId>
        <InstdAmt Ccy="EUR">180.00</InstdAmt>
        <DrctDbtTx>
          <MndtRltdInf>
            <MndtId>MNDT-2025-0117</MndtId>
            <DtOfSgntr>2025-01-17</DtOfSgntr>
            <AmdmntInd>false</AmdmntInd>
          </MndtRltdInf>
        </DrctDbtTx>
        <DbtrAgt>
          <FinInstnId>
            <BICFI>BNPAFRPP</BICFI>
          </FinInstnId>
        </DbtrAgt>
        <Dbtr>
          <Nm>Menuiserie Lambert SAS</Nm>
          <PstlAdr>
            <StrtNm>Avenue Jean Jaures</StrtNm>
            <BldgNb>88</BldgNb>
            <PstCd>69007</PstCd>
            <TwnNm>Lyon</TwnNm>
            <Ctry>FR</Ctry>
          </PstlAdr>
        </Dbtr>
        <DbtrAcct>
          <Id>
            <IBAN>FR1420041010050500013M02606</IBAN>
          </Id>
        </DbtrAcct>
        <RmtInf>
          <Ustrd>Abonnement maintenance - avril 2026</Ustrd>
        </RmtInf>
      </DrctDbtTxInf>
      <DrctDbtTxInf>
        <PmtId>
          <EndToEndId>E2E-CORE-2026-0402</EndToEndId>
        </PmtId>
        <InstdAmt Ccy="EUR">130.00</InstdAmt>
        <DrctDbtTx>
          <MndtRltdInf>
            <MndtId>MNDT-2025-0803</MndtId>
            <DtOfSgntr>2025-08-03</DtOfSgntr>
            <AmdmntInd>false</AmdmntInd>
          </MndtRltdInf>
        </DrctDbtTx>
        <DbtrAgt>
          <FinInstnId>
            <BICFI>GEBABEBB</BICFI>
          </FinInstnId>
        </DbtrAgt>
        <Dbtr>
          <Nm>Peeters Bouw BVBA</Nm>
          <PstlAdr>
            <StrtNm>Nieuwstraat</StrtNm>
            <BldgNb>23</BldgNb>
            <PstCd>1000</PstCd>
            <TwnNm>Brussel</TwnNm>
            <Ctry>BE</Ctry>
          </PstlAdr>
        </Dbtr>
        <DbtrAcct>
          <Id>
            <IBAN>BE68539007547034</IBAN>
          </Id>
        </DbtrAcct>
        <RmtInf>