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    <ElementType name="PaymentRequestNote" dt:type="string"></ElementType>

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    <ElementType name="InverseRateOfExchange" dt:type="number"></ElementType>

    <ElementType name="DateOfRateOfExchange" dt:type="string"></ElementType>

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    <ElementType name="ReferenceTypeCodedOther" dt:type="string"></ElementType>

    <ElementType content="eltOnly" name="PrimaryReference">
      <element maxOccurs="1" minOccurs="1" type="Reference"/>
    </ElementType>

    <ElementType content="eltOnly" name="SupportingReference">
      <element maxOccurs="1" minOccurs="1" type="Reference"/>
    </ElementType>

    <ElementType content="eltOnly" name="SupportingSubReference">
      <element maxOccurs="1" minOccurs="1" type="Reference"/>
    </ElementType>

    <ElementType name="ReferenceDescription" dt:type="string"></ElementType>

    <ElementType name="FinancialInstitutionID" dt:type="string"></ElementType>

    <ElementType name="FinancialInstitutionName" dt:type="string"></ElementType>

    <ElementType name="FIBranchID" dt:type="string"></ElementType>

    <ElementType name="FIBranchName" dt:type="string"></ElementType>

    <ElementType name="FIBranchCity" dt:type="string"></ElementType>

    <ElementType content="eltOnly" name="FIBranchCountry">
      <element maxOccurs="1" minOccurs="1" type="Country"/>
    </ElementType>

    <ElementType name="FINote" dt:type="string"></ElementType>

    <ElementType name="PaymentExceptionCoded" dt:type="enumeration" dt:values="Other Success ClientUpToDate GeneralError GeneralDataError SystemNotAvailable FunctionNotAvailable UnsupportedService UnsupportedMessage UnsupportedFunction ObjectAlreadyCommitted MessageAcceptedForAsynchronousProcessing DuplicateRequestID TheCursorReturnedWithinRecCtrlInIsInvalidOrHasExpired RequiredElementNotIncluded RequestDeclined InvalidEnumValue CannotModifyElement NoChangesMade TooManyRecordsRequested NoRecordsMatchSelectionCriteria SomeSelectionCriteriaNotSupported NoneOfSelectionCriteriaSupported TokenValuePriorToAvailableHistory InvalidToken DetailNotAvailable UnknownObjectId ObjectAlreadyExists ObjectNotDeleted-DependentObjectsExist CascadeDeleteFailed ObjectExistsButDoesNotMatchCustomerID ServiceProviderNameInvalid ServiceProviderNameWithinCustomerIDIsInvalid ServiceProviderNameWithinBillerIDIsInvalid CustomerIDInvalid EditMaskError InvalidAddress InvalidCity InvalidStateOrProvince InvalidPostalCode InvalidCountryCode CryptTypeNotValid NoServiceProviderName NoServiceName SecurityViolation CustomerLoginIdAndPasswordWillBeSentOut-Of-Band AuthenticationFailed AuthorizationFailure OBOIsNotActiveForThisCustomerID ServiceNotEnabled CustomerSessionAlreadyInProgress NoCustomerSessionInProgress ImmediateCustomerLockOut CustomerLockedOut PasswordChangeRequired MustChangePassword InvalidNewCustomerIdentifier NewCustomerIdentifierInUse InvalidNewPassword UnsupportedApplicationId InvalidDataInSingleOrLowAmountField InvalidDataInHighAmountField AmountTooSmall AmountTooLarge InvalidHighLowAmount FinalAmountExceedsLimit InvalidDatetime-SingleDateOrLowOfRange InvalidDatetime-HighOfRange InvalidDatetimeRange DatePassed DatetimeTooSoon DatetimeTooFarInFuture ProcessingDatePrecedesToday RequestedDateAdjusted RequestIsTooLateForTodaysWork WeekendOrHoliday HistoryNotAvailableForFullDateRange AccountBalanceInformationNotAvailable ExtendedAccountBalanceInformationNotAvailable SingleOrSourceAccountInvalid DestinationAccountInvalid SingleAccountOrSourceAccountNotForCustomer DestinationAccountNotForCustomer SingleOrSourceAccountClosed DestinationAccountClosed SourceAndDestinationAccountsAreIdentical SingleOrSourceAccountNotAuthorized DestinationAccountNotAuthorized SingleOrSourceAccountNotAvailable DestinationAccountNotAvailable SingleOrSourceAccountNotEligibleForTransaction DestinationAccountNotEligibleForTransaction InvalidSingleOrSourceAccountType InvalidDestinationAccountType SingleOrSourceAccountBankIDError DestinationAccountBankIDError BranchIdMissing InvalidBankInfo InvalidIndustryID InvalidCardMagneticStripData InvalidCheckNumberRange RequestIsTooLate-CheckHasBeenPaid CheckNumberNotFound StopCheckInProcess TooManyChecksToProcess CheckBookStyleNotAvailable InvalidNumberOfChecks ForeignExchangeNotSupported InvalidCurrencyCode InvalidLanguageCode UnsupportedFrequency DuplicatePaymentTransferExists DuplicateRecurringModel InvalidSkipCount InsufficientFunds NumberOfTransfersExceedsLimit DailyTransferLimitExceeded TransferPaymentGreaterThanLoanBalance InvalidBillerID InvalidStdPayeeID InvalidCustomerPayeeID InvalidPayeeName PayeeListFull InvalidCustomerAccountWithPayee PayeeTypeNotSupported NumberOfPaymentsInvalid TotalPaymentAmountsScheduledForTodayExceededDailyLimit ExpiredCard RecurringModelOpen-Ended DataChangedOrTruncated CurrenciesDoNotMatch CardAccountIdMatchesMultipleAccounts AuthorizationIsRejected AuthorizationHeldOver AuthorizationIsDeclinedForInsufficientFunds AuthorizationIsDeclinedForInactiveAccount AuthorizationIsDeclinedForClosedAccount AuthorizationIsDeclinedForOtherReason "></ElementType>

    <ElementType name="PaymentExceptionCodedOther" dt:type="string"></ElementType>

    <ElementType name="PaymentExceptionNote" dt:type="string"></ElementType>

    <ElementType content="eltOnly" name="OffendingPaymentElement">
      <element maxOccurs="1" minOccurs="1" type="NameValuePair"/>
    </ElementType>

    <ElementType name="Name" dt:type="string"></ElementType>

    <ElementType name="Value" dt:type="string"></ElementType>

    <ElementType name="CertificateAuthority" dt:type="string"></ElementType>

    <ElementType name="Sequence" dt:type="i4"></ElementType>

    <ElementType name="EncryptedData" dt:type="string"></ElementType>

    <ElementType name="TotalPaymentDocuments" dt:type="i4"></ElementType>

    <ElementType name="TotalLineItem" dt:type="i4"></ElementType>

    <ElementType content="eltOnly" name="TotalSettlementAmount">
      <element maxOccurs="1" minOccurs="1" type="MonetaryValue"/>
    </ElementType>

    <ElementType name="SummaryNote" dt:type="string"></ElementType>

    <ElementType content="eltOnly" name="PaymentRequestAcknowledgment" order="seq">
      <element type="PaymentRequestAcknHeader"/>
      <element type="ListOfPaymentRequestAcknDetail"/>
      <element type="PaymentRequestAcknSummary"/>
    </ElementType>

    <ElementType content="eltOnly" name="PaymentRequestAcknHeader" order="seq">
      <element type="PaymentRequestAcknCoded"/>
      <element maxOccurs="1" minOccurs="0" type="PaymentRequestAcknCodedOther"/>
      <element type="PaymentRequestAcknIssueDate"/>
      <element type="PaymentRequestAcknID"/>
      <element maxOccurs="1" minOccurs="0" type="PaymentRequestIDReference"/>
      <element maxOccurs="1" minOccurs="0" type="CertificateAuthority"/>
      <element type="SuccessfulReceptIndicator"/>
      <element maxOccurs="1" minOccurs="0" type="GeneralNote"/>
      <element type="Language"/>
    </ElementType>

    <ElementType content="eltOnly" name="Reference" order="seq">
      <element type="RefNum"/>
      <element maxOccurs="1" minOccurs="0" type="RefDate"/>
    </ElementType>

    <ElementType content="eltOnly" name="Language" order="seq">
      <element type="LanguageCoded"/>
      <element maxOccurs="1" minOccurs="0" type="LanguageCodedOther"/>
      <element maxOccurs="1" minOccurs="0" type="LocaleCoded"/>
      <element maxOccurs="1" minOccurs="0" type="LocaleCodedOther"/>
      <attribute type="LanguageDependent" required="no"/>
    </ElementType>

    <ElementType content="eltOnly" name="ListOfPaymentRequestAcknDetail">
      <element maxOccurs="*" minOccurs="1" type="PaymentRequestAcknDetail"/>
    </ElementType>

    <ElementType content="eltOnly" name="PaymentRequestAcknDetail" order="seq">
      <element type="ConfirmationID"/>
      <element type="PaymentDocumentID"/>
      <element maxOccurs="1" minOccurs="0" type="PaymentSequenceNo"/>
      <element maxOccurs="1" minOccurs="0" type="SettlementAmount"/>
      <element maxOccurs="1" minOccurs="0" type="DebitAmount"/>
      <element maxOccurs="1" minOccurs="0" type="CreditAmount"/>
      <element maxOccurs="1" minOccurs="0" type="PaymentParty"/>
      <element maxOccurs="1" minOccurs="0" type="FinancialInstitutionDetail"/>
      <element maxOccurs="1" minOccurs="0" type="ListOfRateOfExchangeDetail"/>
      <element maxOccurs="1" minOccurs="0" type="ExcpetionNote"/>
      <element maxOccurs="1" minOccurs="0" type="PaymentRequestNote"/>
      <element maxOccurs="1" minOccurs="0" type="ListOfPaymentException"/>
      <element maxOccurs="1" minOccurs="0" type="EncryptedInfo"/>
    </ElementType>

    <ElementType content="eltOnly" name="MonetaryValue" order="seq">
      <element type="MonetaryAmount"/>
      <element maxOccurs="1" minOccurs="0" type="Currency"/>
      <element maxOccurs="1" minOccurs="0" type="RateOfExchangeDetail"/>
    </ElementType>

    <ElementType content="eltOnly" name="Currency" order="seq">
      <element type="CurrencyCoded"/>
      <element maxOccurs="1" minOccurs="0" type="CurrencyCodedOther"/>
    </ElementType>

    <ElementType content="eltOnly" name="RateOfExchangeDetail" order="seq">
      <element type="ReferenceCurrency"/>
      <element type="TargetCurrency"/>
      <element type="RateOfExchange"/>
      <element maxOccurs="1" minOccurs="0" type="InverseRateOfExchange"/>
      <element maxOccurs="1" minOccurs="0" type="DateOfRateOfExchange"/>
      <element maxOccurs="1" minOccurs="0" type="ListOfRateOfExchangeReference"/>
    </ElementType>

    <ElementType content="eltOnly" name="ListOfReference">
      <element maxOccurs="*" minOccurs="1" type="Reference"/>
    </ElementType>

    <ElementType content="eltOnly" name="PaymentParty" order="seq">
      <element type="PayerParty"/>
      <element type="PayeeParty"/>
      <element maxOccurs="1" minOccurs="0" type="BuyerParty"/>
      <element maxOccurs="1" minOccurs="0" type="SupplierParty"/>
      <element maxOccurs="1" minOccurs="0" type="BillToParty"/>
      <element maxOccurs="1" minOccurs="0" type="ListOfPartyCoded"/>
    </ElementType>

    <ElementType content="eltOnly" name="PayerParty" order="seq">
      <element type="PartyID"/>
      <element maxOccurs="1" minOccurs="0" type="ListOfIdentifier"/>
      <element maxOccurs="1" minOccurs="0" type="MDFBusiness"/>
      <element maxOccurs="1" minOccurs="0" type="NameAddress"/>
      <element maxOccurs="1" minOccurs="0" type="OrderContact"/>
      <element maxOccurs="1" minOccurs="0" type="ReceivingContact"/>
      <element maxOccurs="1" minOccurs="0" type="ShippingContact"/>
      <element maxOccurs="1" minOccurs="0" type="OtherContacts"/>
      <element maxOccurs="1" minOccurs="0" type="CorrespondenceLanguage"/>
      <element maxOccurs="1" minOccurs="0" type="CertificateAuthority"/>
    </ElementType>

    <ElementType content="eltOnly" name="Party" order="seq">
      <element type="PartyID"/>
      <element maxOccurs="1" minOccurs="0" type="ListOfIdentifier"/>
      <element maxOccurs="1" minOccurs="0" type="MDFBusiness"/>
      <element maxOccurs="1" minOccurs="0" type="NameAddress"/>
      <element maxOccurs="1" minOccurs="0" type="OrderContact"/>
      <element maxOccurs="1" minOccurs="0" type="ReceivingContact"/>
      <element maxOccurs="1" minOccurs="0" type="ShippingContact"/>
      <element maxOccurs="1" minOccurs="0" type="OtherContacts"/>
      <element maxOccurs="1" minOccurs="0" type="CorrespondenceLanguage"/>
    </ElementType>

    <ElementType content="eltOnly" name="Identifier" order="seq">
      <element type="Agency"/>
      <element type="Ident"/>
    </ElementType>

    <ElementType content="eltOnly" name="Agency" order="seq">
      <element type="AgencyCoded"/>
      <element maxOccurs="1" minOccurs="0" type="AgencyCodedOther"/>
      <element maxOccurs="1" minOccurs="0" type="AgencyDescription"/>
      <element maxOccurs="1" minOccurs="0" type="CodeListIdentifierCoded"/>
      <element maxOccurs="1" minOccurs="0" type="CodeListIdentifierCodedOther"/>
    </ElementType>

    <ElementType content="eltOnly" name="ListOfIdentifier">
      <element maxOccurs="*" minOccurs="1" type="Identifier"/>
    </ElementType>

    <ElementType content="eltOnly" name="NameAddress" order="seq">
      <element maxOccurs="1" minOccurs="0" type="ExternalAddressID"/>
      <element type="Name1"/>
      <element maxOccurs="1" minOccurs="0" type="Name2"/>
      <element maxOccurs="1" minOccurs="0" type="Name3"/>
      <element maxOccurs="1" minOccurs="0" type="Identifier"/>
      <element maxOccurs="1" minOccurs="0" type="POBox"/>
      <element maxOccurs="1" minOccurs="0" type="Street"/>
      <element maxOccurs="1" minOccurs="0" type="HouseNumber"/>
      <element maxOccurs="1" minOccurs="0" type="StreetSupplement1"/>
      <element maxOccurs="1" minOccurs="0" type="StreetSupplement2"/>
      <element maxOccurs="1" minOccurs="0" type="Building"/>
      <element maxOccurs="1" minOccurs="0" type="Floor"/>
      <element maxOccurs="1" minOccurs="0" type="RoomNumber"/>
      <element maxOccurs="1" minOccurs="0" type="InhouseMail"/>
      <element maxOccurs="1" minOccurs="0" type="Department"/>
      <element maxOccurs="1" minOccurs="0" type="PostalCode"/>
      <element maxOccurs="1" minOccurs="0" type="City"/>
      <element maxOccurs="1" minOccurs="0" type="County"/>
      <element maxOccurs="1" minOccurs="0" type="Region"/>
      <element maxOccurs="1" minOccurs="0" type="District"/>
      <element maxOccurs="1" minOccurs="0" type="Country"/>
      <element maxOccurs="1" minOccurs="0" type="Timezone"/>
      <attribute type="AddressTypeCoded" required="no" default="NotApplicable"/>
      <attribute type="AddressTypeCodedOther" required="no"/>
    </ElementType>

    <ElementType content="textOnly" name="POBox">
      <attribute type="POBoxPostalCode" required="no"/>
    </ElementType>

    <ElementType content="eltOnly" name="Region" order="seq">
      <element type="RegionCoded"/>
      <element maxOccurs="1" minOccurs="0" type="RegionCodedOther"/>
    </ElementType>

    <ElementType content="eltOnly" name="Country" order="seq">
      <element type="CountryCoded"/>
      <element maxOccurs="1" minOccurs="0" type="CountryCodedOther"/>
    </ElementType>

    <ElementType content="eltOnly" name="Timezone" order="seq">
      <element type="TimezoneCoded"/>
      <element maxOccurs="1" minOccurs="0" type="TimezoneCodedOther"/>
    </ElementType>

    <ElementType content="eltOnly" name="Contact" order="seq">
      <element maxOccurs="1" minOccurs="0" type="ContactID"/>
      <element type="ContactName"/>
      <element maxOccurs="1" minOccurs="0" type="ContactFunction"/>
      <element maxOccurs="1" minOccurs="0" type="ContactDescription"/>
      <element maxOccurs="1" minOccurs="0" type="ListOfContactNumber"/>
    </ElementType>

    <ElementType content="eltOnly" name="ContactFunction" order="seq">
      <element type="ContactFunctionCoded"/>
      <element maxOccurs="1" minOccurs="0" type="ContactFunctionCodedOther"/>
    </ElementType>

    <ElementType content="eltOnly" name="ListOfContactNumber">
      <element maxOccurs="*" minOccurs="1" type="ContactNumber"/>
    </ElementType>

    <ElementType content="eltOnly" name="ContactNumber" order="seq">
      <element type="ContactNumberValue"/>
      <element type="ContactNumberTypeCoded"/>
      <element maxOccurs="1" minOccurs="0" type="ContactNumberTypeCodedOther"/>
    </ElementType>

    <ElementType content="eltOnly" name="ListOfContact">
      <element maxOccurs="*" minOccurs="1" type="Contact"/>
    </ElementType>

    <ElementType content="eltOnly" name="ListOfPartyCoded">
      <element maxOccurs="*" minOccurs="1" type="PartyCoded"/>
    </ElementType>

    <ElementType content="eltOnly" name="PartyCoded" order="seq">
      <element type="PartyID"/>
      <element maxOccurs="1" minOccurs="0" type="ListOfIdentifier"/>
      <element maxOccurs="1" minOccurs="0" type="MDFBusiness"/>
      <element maxOccurs="1" minOccurs="0" type="NameAddress"/>
      <element maxOccurs="1" minOccurs="0" type="OrderContact"/>
      <element maxOccurs="1" minOccurs="0" type="ReceivingContact"/>
      <element maxOccurs="1" minOccurs="0" type="ShippingContact"/>
      <element maxOccurs="1" minOccurs="0" type="OtherContacts"/>
      <element maxOccurs="1" minOccurs="0" type="CorrespondenceLanguage"/>
      <element type="PartyRoleCoded"/>
      <element maxOccurs="1" minOccurs="0" type="PartyRoleCodedOther"/>
    </ElementType>

    <ElementType content="eltOnly" name="FinancialInstitutionDetail" order="seq">
      <element type="OriginatingFinancialInstitution"/>
      <element type="ReceivingFinancialInstitution"/>
      <element maxOccurs="1" minOccurs="0" type="ListOfFinancialInstitutions"/>
    </ElementType>

    <ElementType content="eltOnly" name="FIAccountDetail" order="seq">
      <element type="AccountDetail"/>
      <element type="FinancialInstitution"/>
    </ElementType>

    <ElementType content="eltOnly" name="AccountDetail" order="seq">
      <element type="AccountID"/>
      <element maxOccurs="1" minOccurs="0" type="SecondaryAccountID"/>
      <element maxOccurs="1" minOccurs="0" type="IBAN"/>
      <element maxOccurs="1" minOccurs="0" type="AccountControlKey"/>
      <element type="AccountTypeCoded"/>
      <element maxOccurs="1" minOccurs="0" type="AccountTypeCodedOther"/>
      <element type="AccountName1"/>
      <element maxOccurs="1" minOccurs="0" type="AccountName2"/>
      <element maxOccurs="1" minOccurs="0" type="Currency"/>
      <element maxOccurs="1" minOccurs="0" type="AccountReferences"/>
    </ElementType>

    <ElementType content="eltOnly" name="ListOfReferenceCoded">
      <element maxOccurs="*" minOccurs="1" type="ReferenceCoded"/>
    </ElementType>

    <ElementType content="eltOnly" name="ReferenceCoded" order="seq">
      <element type="ReferenceTypeCoded"/>
      <element maxOccurs="1" minOccurs="0" type="ReferenceTypeCodedOther"/>
      <element type="PrimaryReference"/>
      <element maxOccurs="1" minOccurs="0" type="SupportingReference"/>
      <element maxOccurs="1" minOccurs="0" type="SupportingSubReference"/>
      <element maxOccurs="1" minOccurs="0" type="ReferenceDescription"/>
    </ElementType>

    <ElementType content="eltOnly" name="FinancialInstitution" order="seq">
      <element type="FinancialInstitutionID"/>
      <element type="FinancialInstitutionName"/>
      <element maxOccurs="1" minOccurs="0" type="FIBranchID"/>
      <element maxOccurs="1" minOccurs="0" type="FIBranchName"/>
      <element maxOccurs="1" minOccurs="0" type="FIBranchCity"/>
      <element maxOccurs="1" minOccurs="0" type="FIBranchCountry"/>
    </ElementType>

    <ElementType content="eltOnly" name="ListOfFIAccount">
      <element maxOccurs="*" minOccurs="1" type="FIAccountData"/>
    </ElementType>

    <ElementType content="eltOnly" name="FIAccountData" order="seq">
      <element maxOccurs="1" minOccurs="0" type="AccountDetail"/>
      <element type="FinancialInstitution"/>
      <element maxOccurs="1" minOccurs="0" type="Sequence"/>
      <element maxOccurs="1" minOccurs="0" type="FINote"/>
    </ElementType>

    <ElementType content="eltOnly" name="FIAccount" order="seq">
      <element maxOccurs="1" minOccurs="0" type="AccountDetail"/>
      <element type="FinancialInstitution"/>
    </ElementType>

    <ElementType content="eltOnly" name="ListOfRateOfExchangeDetail">
      <element maxOccurs="*" minOccurs="1" type="RateOfExchangeDetail"/>
    </ElementType>

    <ElementType content="eltOnly" name="ListOfPaymentException">
      <element maxOccurs="*" minOccurs="1" type="PaymentException"/>
    </ElementType>

    <ElementType content="eltOnly" name="PaymentException" order="seq">
      <element type="PaymentExceptionCoded"/>
      <element maxOccurs="1" minOccurs="0" type="PaymentExceptionCodedOther"/>
      <element maxOccurs="1" minOccurs="0" type="PaymentExceptionNote"/>
      <element maxOccurs="1" minOccurs="0" type="OffendingPaymentElement"/>
    </ElementType>

    <ElementType content="eltOnly" name="NameValuePair" order="seq">
      <element type="Name"/>
      <element type="Value"/>
    </ElementType>

    <ElementType content="eltOnly" name="EncryptedInfo" order="seq">
      <element maxOccurs="1" minOccurs="0" type="CertificateAuthority"/>
      <element type="ListOfEncryptedField"/>
    </ElementType>

    <ElementType content="eltOnly" name="ListOfEncryptedField">
      <element maxOccurs="*" minOccurs="1" type="EncryptedField"/>
    </ElementType>

    <ElementType content="eltOnly" name="EncryptedField" order="seq">
      <element maxOccurs="1" minOccurs="0" type="Sequence"/>
      <element type="EncryptedData"/>
    </ElementType>

    <ElementType content="eltOnly" name="PaymentRequestSummary" order="seq">
      <element maxOccurs="1" minOccurs="0" type="TotalPaymentDocuments"/>
      <element maxOccurs="1" minOccurs="0" type="TotalLineItem"/>
      <element maxOccurs="1" minOccurs="0" type="TotalSettlementAmount"/>
      <element maxOccurs="1" minOccurs="0" type="EncryptedInfo"/>
      <element maxOccurs="1" minOccurs="0" type="SummaryNote"/>
    </ElementType>

  </Schema>

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