pain.001.001.03 — unstructured address, executed before 2026-11-15 (warning only)

<?xml version="1.0" encoding="UTF-8"?>
<!--
  ValidateFin sample file — SEPA Credit Transfer, pain.001.001.03.
  Expected validation result: VALID with 2 WARNINGS — 1 transfer, 500.00 EUR.

  This is the twin of sepa-pain001-unstructured-address, with ONE character changed:
  the execution date. Both files carry the same unstructured addresses; this one is
  executed on 2026-09-30, BEFORE the EPC153-22 v2.1 cut-off of 2026-11-15, so the
  same defect is only a warning — the payment still goes through today.

  It also shows what "structured" actually means: the debtor address has neither
  TwnNm nor Ctry, the creditor address has a Ctry but still no TwnNm. Ctry alone
  is not enough — TwnNm is the discriminator.

  The trigger is the date INSIDE the file (ReqdExctnDt), never today's date.

  All parties and account numbers are fictitious.
  Reference page: https://validatefin.com/en/resources/samples/sepa-pain001-unstructured-address-warning
  License: CC-BY-4.0
-->
<Document xmlns="urn:iso:std:iso:20022:tech:xsd:pain.001.001.03"
          xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
  <CstmrCdtTrfInitn>
    <GrpHdr>
      <MsgId>CT-UNSTRUCT-WARN-2026</MsgId>
      <CreDtTm>2026-09-25T10:00:00</CreDtTm>
      <NbOfTxs>1</NbOfTxs>
      <CtrlSum>500.00</CtrlSum>
      <InitgPty>
        <Nm>ACME SA</Nm>
      </InitgPty>
    </GrpHdr>
    <PmtInf>
      <PmtInfId>PMT-UNSTRUCT-WARN-001</PmtInfId>
      <PmtMtd>TRF</PmtMtd>
      <NbOfTxs>1</NbOfTxs>
      <CtrlSum>500.00</CtrlSum>
      <PmtTpInf>
        <SvcLvl>
          <Cd>SEPA</Cd>
        </SvcLvl>
      </PmtTpInf>
      <ReqdExctnDt>2026-09-30</ReqdExctnDt>
      <Dbtr>
        <Nm>ACME SA</Nm>
        <PstlAdr>
          <AdrLine>15 rue de la Paix</AdrLine>
          <AdrLine>75002 Paris</AdrLine>
        </PstlAdr>
      </Dbtr>
      <DbtrAcct>
        <Id>
          <IBAN>FR7630006000011234567890189</IBAN>
        </Id>
      </DbtrAcct>
      <DbtrAgt>
        <FinInstnId>
          <BIC>BNPAFRPP</BIC>
        </FinInstnId>
      </DbtrAgt>
      <CdtTrfTxInf>
        <PmtId>
          <EndToEndId>E2E-UNSTRUCT-WARN-001</EndToEndId>
        </PmtId>
        <Amt>
          <InstdAmt Ccy="EUR">500.00</InstdAmt>
        </Amt>
        <CdtrAgt>
          <FinInstnId>
            <BIC>SOGEFRPP</BIC>
          </FinInstnId>
        </CdtrAgt>
        <Cdtr>
          <Nm>Fournisseur SARL</Nm>
          <PstlAdr>
            <Ctry>FR</Ctry>
            <AdrLine>8 boulevard Victor Hugo</AdrLine>
            <AdrLine>69003 Lyon</AdrLine>
          </PstlAdr>
        </Cdtr>
        <CdtrAcct>
          <Id>
            <IBAN>FR3314508600001234567890150</IBAN>
          </Id>
        </CdtrAcct>
        <RmtInf>
          <Ustrd>Facture FS-2026-0930 - prestation septembre</Ustrd>
        </RmtInf>
      </CdtTrfTxInf>
    </PmtInf>
  </CstmrCdtTrfInitn>
</Document>