@lucianpacurar/iso20022.js 0.2.7

package/dist/src/lib/types.d.ts

@@ -0,0 +1,376 @@
+import { Currency } from 'dinero.js';
+import { Alpha2Country } from './countries';
+/**
+ * Represents a payment instruction with essential details.
+ */
+export interface PaymentInstruction {
+    /** Unique identifier for the payment instruction. */
+    id?: string;
+    /** Unique end-to-end identifier for the payment. */
+    endToEndId?: string;
+    /** Indicates whether the payment is a credit or debit. */
+    direction?: 'credit' | 'debit';
+    /** The amount of the payment. Usually in cents. */
+    amount: number;
+    /** The currency of the payment. */
+    currency: Currency;
+    /** The party from which the payment is debited. */
+    debtor?: Party;
+    /** The party to which the payment is credited. */
+    creditor?: Party;
+    /** Additional information about the payment. */
+    remittanceInformation?: string;
+}
+/**
+ * Represents a credit payment instruction, extending the base PaymentInstruction.
+ */
+export interface CreditPaymentInstruction extends PaymentInstruction {
+    direction?: 'credit';
+    creditor: Party;
+}
+/**
+ * Represents a SWIFT credit payment instruction, extending the base PaymentInstruction.
+ */
+export interface SWIFTCreditPaymentInstruction extends CreditPaymentInstruction {
+    /** Specifies that this is a SWIFT payment. */
+    type?: 'swift';
+}
+export interface SEPACreditPaymentInstruction extends CreditPaymentInstruction {
+    type?: 'sepa';
+    currency: 'EUR';
+}
+export interface RTPCreditPaymentInstruction extends CreditPaymentInstruction {
+    type?: 'rtp';
+    currency: 'USD';
+}
+/**
+ * Represents an ACH credit payment instruction, extending the base PaymentInstruction.
+ */
+export interface ACHCreditPaymentInstruction extends CreditPaymentInstruction {
+    /** Specifies that this is an ACH payment. */
+    type?: 'ach';
+    /** ACH payments must use USD as currency. */
+    currency: 'USD';
+}
+/**
+ * Category purpose codes as defined in ISO 20022 ExternalCategoryPurpose1Code.
+ * @see {@link https://www.iso20022.org/catalogue-messages/additional-content-messages/external-code-sets}
+ */
+export declare const ExternalCategoryPurposeCode: {
+    /** Transaction is the payment of a bonus */
+    readonly Bonus: "BONU";
+    /** Transaction is a general cash management instruction */
+    readonly CashManagement: "CASH";
+    /** A service that is settling money for a bulk of card transactions */
+    readonly CardBulk: "CBLK";
+    /** Transaction is related to a payment of credit card */
+    readonly CreditCard: "CCRD";
+    /** Transaction is related to settlement of a trade */
+    readonly TradeSettlement: "CORT";
+    /** Transaction is related to a payment of debit card */
+    readonly DebitCard: "DCRD";
+    /** Transaction is the payment of dividends */
+    readonly Dividends: "DIVI";
+    /** Code used to pre-advise forthcoming deliver against payment instruction */
+    readonly DeliverAgainstPayment: "DVPM";
+    /** Transaction is related to ePayment */
+    readonly EPayment: "EPAY";
+    /** Transaction is related to the payment of a fee and interest */
+    readonly FeeAndInterest: "FCIN";
+    /** A service that is settling card transaction related fees between two parties */
+    readonly CardFeeSettlement: "FCOL";
+    /** General Person-to-Person Payment */
+    readonly GeneralP2P: "GP2P";
+    /** Transaction is a payment to or from a government department */
+    readonly Government: "GOVT";
+    /** Transaction is related to the payment of a hedging operation */
+    readonly Hedging: "HEDG";
+    /** Transaction is reimbursement of credit card payment */
+    readonly CreditCardReimbursement: "ICCP";
+    /** Transaction is reimbursement of debit card payment */
+    readonly DebitCardReimbursement: "IDCP";
+    /** Transaction is an intra-company payment */
+    readonly IntraCompany: "INTC";
+    /** Transaction is the payment of interest */
+    readonly Interest: "INTE";
+    /** Transaction is related to identify cash handling via Night Safe or Lockbox */
+    readonly Lockbox: "LBOX";
+    /** Transaction is related to the transfer of a loan to a borrower */
+    readonly Loan: "LOAN";
+    /** Mobile P2B Payment */
+    readonly MobileP2B: "MP2B";
+    /** Mobile P2P Payment */
+    readonly MobileP2P: "MP2P";
+    /** Other payment purpose */
+    readonly Other: "OTHR";
+    /** Transaction is the payment of pension */
+    readonly Pension: "PENS";
+    /** Collection used to re-present previously reversed or returned direct debit transactions */
+    readonly Represent: "RPRE";
+    /** Transaction is related to a reimbursement for commercial reasons */
+    readonly CommercialReimbursement: "RRCT";
+    /** Code used to pre-advise forthcoming receive against payment instruction */
+    readonly ReceiveAgainstPayment: "RVPM";
+    /** Transaction is the payment of salaries */
+    readonly Salary: "SALA";
+    /** Transaction is the payment of securities */
+    readonly Securities: "SECU";
+    /** Transaction is a social security benefit */
+    readonly SocialSecurityBenefit: "SSBE";
+    /** Transaction is related to a payment to a supplier */
+    readonly Supplier: "SUPP";
+    /** Transaction is the payment of taxes */
+    readonly Taxes: "TAXS";
+    /** Transaction is related to the payment of a trade finance transaction */
+    readonly Trade: "TRAD";
+    /** Transaction is related to treasury operations */
+    readonly Treasury: "TREA";
+    /** Transaction is the payment of value added tax */
+    readonly VAT: "VATX";
+    /** Transaction is the payment of withholding tax */
+    readonly WithholdingTax: "WHLD";
+    /** Transaction relates to a cash management sweep instruction */
+    readonly Sweep: "SWEP";
+    /** Transaction relates to a cash management top-up instruction */
+    readonly TopUp: "TOPG";
+    /** Transaction relates to a zero balance account instruction */
+    readonly ZeroBalance: "ZABA";
+    /** Transaction to be processed as a domestic payment instruction from foreign bank */
+    readonly DomesticFromForeign: "VOST";
+    /** Foreign Currency Transaction between domestic financial institutions */
+    readonly ForeignCurrencyDomestic: "FCDT";
+    /** Transaction is a direct debit for a cash order of notes and/or coins */
+    readonly CashOrder: "CIPC";
+    /** Transaction is a direct debit for a cash order of notes and/or coins */
+    readonly CashOrderConsolidated: "CONC";
+    /** Transaction is a payment for cash collection by Cash in Transit company */
+    readonly CashInTransit: "CGWV";
+    /** Transfer to/from savings or retirement account */
+    readonly Savings: "SAVG";
+    /** Cross border transaction subject to Dodd Frank 1073 */
+    readonly CrossBorderDoddFrank: "CTDF";
+};
+/**
+ * Description mapping of ExternalCategoryPurposeCode values to their names.
+ */
+export declare const ExternalCategoryPurposeCodeDescriptionMap: {
+    readonly BONU: "Bonus Payment";
+    readonly CASH: "Cash Management";
+    readonly CBLK: "Card Bulk Settlement";
+    readonly CCRD: "Credit Card Payment";
+    readonly CORT: "Trade Settlement";
+    readonly DCRD: "Debit Card Payment";
+    readonly DIVI: "Dividends";
+    readonly DVPM: "Deliver Against Payment";
+    readonly EPAY: "Electronic Payment";
+    readonly FCIN: "Fee and Interest";
+    readonly FCOL: "Card Fee Settlement";
+    readonly GP2P: "General Person-to-Person";
+    readonly GOVT: "Government Payment";
+    readonly HEDG: "Hedging Operation";
+    readonly ICCP: "Credit Card Reimbursement";
+    readonly IDCP: "Debit Card Reimbursement";
+    readonly INTC: "Intra-Company Payment";
+    readonly INTE: "Interest Payment";
+    readonly LBOX: "Lockbox";
+    readonly LOAN: "Loan Transfer";
+    readonly MP2B: "Mobile Person-to-Business";
+    readonly MP2P: "Mobile Person-to-Person";
+    readonly OTHR: "Other";
+    readonly PENS: "Pension Payment";
+    readonly RPRE: "Re-Present Transaction";
+    readonly RRCT: "Commercial Reimbursement";
+    readonly RVPM: "Receive Against Payment";
+    readonly SALA: "Salary Payment";
+    readonly SECU: "Securities Payment";
+    readonly SSBE: "Social Security Benefit";
+    readonly SUPP: "Supplier Payment";
+    readonly TAXS: "Tax Payment";
+    readonly TRAD: "Trade Finance";
+    readonly TREA: "Treasury Operation";
+    readonly VATX: "Value Added Tax";
+    readonly WHLD: "Withholding Tax";
+    readonly SWEP: "Sweep Instruction";
+    readonly TOPG: "Top-up Instruction";
+    readonly ZABA: "Zero Balance";
+    readonly VOST: "Domestic from Foreign";
+    readonly FCDT: "Foreign Currency Domestic";
+    readonly CIPC: "Cash Order";
+    readonly CONC: "Cash Order Consolidated";
+    readonly CGWV: "Cash in Transit";
+    readonly SAVG: "Savings Transfer";
+    readonly CTDF: "Cross Border Dodd Frank";
+};
+export type ExternalCategoryPurpose = (typeof ExternalCategoryPurposeCode)[keyof typeof ExternalCategoryPurposeCode];
+/**
+ * Represents a structured address format.
+ */
+export interface StructuredAddress {
+    /** The name of the street. */
+    streetName?: string;
+    /** The building number on the street. */
+    buildingNumber?: string;
+    /** The name of the town or city. */
+    townName?: string;
+    /** The subdivision of the country (e.g., state, province). */
+    countrySubDivision?: string;
+    /** The postal or ZIP code. */
+    postalCode?: string;
+    /** The country, typically represented by a country code. */
+    country?: Alpha2Country;
+}
+/**
+ * Represents a party involved in a payment transaction.
+ */
+export interface Party {
+    /** Unique identifier for the party. */
+    id?: string;
+    /** The name of the party. */
+    name?: string;
+    /** The structured address of the party. */
+    address?: StructuredAddress;
+    /** The account details of the party. */
+    account?: Account;
+    /** The financial agent (e.g., bank) of the party. */
+    agent?: Agent;
+}
+/**
+ * Represents an account identified by IBAN.
+ */
+export interface IBANAccount {
+    /** The International Bank Account Number. */
+    iban: string;
+}
+/**
+ * Represents a basic account with account number and optional type.
+ */
+export interface BaseAccount {
+    /** The account number. */
+    accountNumber: string;
+    /** The type of the account. */
+    accountType?: 'checking' | 'savings';
+    /** The currency of the account. */
+    currency?: Currency;
+    /** The name of the account. */
+    name?: string;
+}
+export type AccountIdentification = AccountIdentificationIBAN | AccountIdentificationOther;
+export interface AccountIdentificationIBAN {
+    iban: string;
+}
+export interface AccountIdentificationOther {
+    id: string;
+    schemeName?: string;
+    issuer?: string;
+}
+/**
+ * Represents either an IBAN account or a basic account.
+ */
+export type Account = IBANAccount | BaseAccount;
+/**
+ * Represents a financial agent identified by BIC.
+ */
+export interface BICAgent {
+    /** The Bank Identifier Code. */
+    bic: string;
+    /** The structured address of the bank. */
+    bankAddress?: StructuredAddress;
+}
+/**
+ * Represents a financial agent identified by ABA routing number.
+ */
+export interface ABAAgent {
+    /** The ABA routing number. */
+    abaRoutingNumber: string;
+}
+/**
+ * Represents either a BIC or ABA identified financial agent.
+ * NOTE: Sometimes an agent can include both a BIC and ABA routing number.
+ * This library does not support that yet, but we will need to.
+ */
+export type Agent = BICAgent | ABAAgent;
+/**
+ * ACH Local Instrument Codes as defined in NACHA standards.
+ * These codes identify the specific type of ACH transaction.
+ */
+export declare const ACHLocalInstrumentCode: {
+    /** Corporate Credit or Debit */
+    readonly CorporateCreditDebit: "CCD";
+    /** Prearranged Payment and Deposit */
+    readonly PrearrangedPaymentDeposit: "PPD";
+    /** Internet-Initiated Entry */
+    readonly InternetInitiated: "WEB";
+    /** Telephone-Initiated Entry */
+    readonly TelephoneInitiated: "TEL";
+    /** Point-of-Purchase Entry */
+    readonly PointOfPurchase: "POP";
+    /** Accounts Receivable Entry */
+    readonly AccountsReceivable: "ARC";
+    /** Back Office Conversion */
+    readonly BackOfficeConversion: "BOC";
+    /** Represented Check Entry */
+    readonly RepresentedCheck: "RCK";
+};
+export type ACHLocalInstrument = (typeof ACHLocalInstrumentCode)[keyof typeof ACHLocalInstrumentCode];
+export declare const ACHLocalInstrumentCodeDescriptionMap: {
+    readonly CCD: "Corporate Credit or Debit";
+    readonly PPD: "Prearranged Payment and Deposit";
+    readonly WEB: "Internet-Initiated Entry";
+    readonly TEL: "Telephone-Initiated Entry";
+    readonly POP: "Point-of-Purchase Entry";
+    readonly ARC: "Accounts Receivable Entry";
+    readonly BOC: "Back Office Conversion";
+    readonly RCK: "Represented Check Entry";
+};
+export interface MessageHeader {
+    id: string;
+    creationDateTime?: Date;
+    originalMessageHeader?: Partial<MessageHeader>;
+    requestType?: string;
+    queryName?: string;
+}
+export declare const CashAccountTypeCode: {
+    readonly Current: "CACC";
+    readonly CashPayment: "CASH";
+    readonly Charges: "CHAR";
+    readonly CashIncome: "CISH";
+    readonly Commission: "COMM";
+    readonly ClearingParticipantSettlementAccount: "CPAC";
+    readonly LimitedLiquiditySavingsAccount: "LLSV";
+    readonly Loan: "LOAN";
+    readonly MarginalLending: "MGLD";
+    readonly MoneyMarket: "MOMA";
+    readonly NonResidentExternal: "NREX";
+    readonly Overdraft: "ODFT";
+    readonly OverNightDeposit: "ONDP";
+    readonly OtherAccount: "OTHR";
+    readonly Settlement: "SACC";
+    readonly Salary: "SLRY";
+    readonly Savings: "SVGS";
+    readonly Tax: "TAXE";
+    readonly TransactingAccount: "TRAN";
+    readonly CashTrading: "TRAS";
+};
+export type CashAccountType = (typeof CashAccountTypeCode)[keyof typeof CashAccountTypeCode];
+export declare const CashAccountTypeCodeDescriptionMap: {
+    readonly CACC: "Current";
+    readonly CASH: "Cash Payment";
+    readonly CHAR: "Charges";
+    readonly CISH: "Cash Income";
+    readonly COMM: "Commission";
+    readonly CPAC: "Clearing Participant Settlement Account";
+    readonly LLSV: "Limited Liquidity Savings Account";
+    readonly LOAN: "Loan";
+    readonly MGLD: "Marginal Lending";
+    readonly MOMA: "Money Market";
+    readonly NREX: "Non Resident External";
+    readonly ODFT: "Overdraft";
+    readonly ONDP: "Over Night Deposit";
+    readonly OTHR: "Other Account";
+    readonly SACC: "Settlement";
+    readonly SLRY: "Salary";
+    readonly SVGS: "Savings";
+    readonly TAXE: "Tax";
+    readonly TRAN: "Transacting Account";
+    readonly TRAS: "Cash Trading";
+};

package/dist/src/pain/001/ach-credit-payment-initiation.d.ts

@@ -0,0 +1,159 @@
+import { ACHCreditPaymentInstruction, ACHLocalInstrument, Party } from '../../lib/types';
+import { PaymentInitiation } from './payment-initiation';
+type AtLeastOne<T> = [T, ...T[]];
+/**
+ * Configuration for ACH Credit Payment Initiation.
+ *
+ * @property {Party} initiatingParty - The party initiating the ACH credit transfer.
+ * @property {AtLeastOne<ACHCreditPaymentInstruction>} paymentInstructions - Array containing at least one payment instruction for the ACH credit transfer.
+ * @property {string} [messageId] - Optional unique identifier for the message. If not provided, a UUID will be generated.
+ * @property {Date} [creationDate] - Optional creation date for the message. If not provided, current date will be used.
+ */
+export interface ACHCreditPaymentInitiationConfig {
+    /** The party initiating the ACH credit transfer. */
+    initiatingParty: Party;
+    /** Array containing at least one payment instruction for the ACH credit transfer. */
+    paymentInstructions: AtLeastOne<ACHCreditPaymentInstruction>;
+    /** Optional unique identifier for the message. If not provided, a UUID will be generated. */
+    messageId?: string;
+    /** Optional creation date for the message. If not provided, current date will be used. */
+    creationDate?: Date;
+    /** Optional local instrument code for the ACH credit transfer. If not provided, 'CCD' (Corporate Credit or Debit) will be used. */
+    localInstrument?: ACHLocalInstrument;
+}
+/**
+ * Represents an ACH Credit Payment Initiation.
+ * This class handles the creation and serialization of ACH credit transfer messages
+ * according to the ISO20022 standard.
+ * @class
+ * @extends PaymentInitiation
+ * @param {ACHCreditPaymentInitiationConfig} config - The configuration for the ACH Credit Payment Initiation message.
+ * @example
+ * ```typescript
+ * // Creating a payment message
+ * const payment = new ACHCreditPaymentInitiation({
+ *   initiatingParty: {
+ *     name: 'John Doe Corporation',
+ *     id: 'JOHNDOE99',
+ *     account: {
+ *       accountNumber: '0123456789'
+ *     },
+ *     agent: {
+ *       abaRoutingNumber: '123456789',
+ *     }
+ *   },
+ *   paymentInstructions: [{
+ *     type: 'ach',
+ *     direction: 'credit',
+ *     amount: 1000,
+ *     currency: 'USD',
+ *     creditor: {
+ *       name: 'John Doe Funding LLC',
+ *       account: {
+ *         accountNumber: '0123456789'
+ *       },
+ *       agent: {
+ *         abaRoutingNumber: '0123456789'
+ *       }
+ *     }
+ *   }]
+ * });
+ *
+ * // Serializing to XML
+ * const xml = payment.serialize();
+ *
+ * // Parsing from XML
+ * const parsedPayment = ACHCreditPaymentInitiation.fromXML(xml);
+ * ```
+ */
+export declare class ACHCreditPaymentInitiation extends PaymentInitiation {
+    initiatingParty: Party;
+    paymentInstructions: AtLeastOne<ACHCreditPaymentInstruction>;
+    messageId: string;
+    creationDate: Date;
+    paymentInformationId: string;
+    localInstrument: string;
+    serviceLevel: string;
+    instructionPriority: string;
+    private formattedPaymentSum;
+    constructor(config: ACHCreditPaymentInitiationConfig);
+    /**
+     * Calculates the sum of all payment instructions.
+     * @private
+     * @param {AtLeastOne<ACHCreditPaymentInstruction>} instructions - Array of payment instructions.
+     * @returns {string} The total sum formatted as a string with 2 decimal places.
+     * @throws {Error} If payment instructions have different currencies.
+     */
+    private sumPaymentInstructions;
+    /**
+     * Validates the payment initiation data according to ACH requirements.
+     * @private
+     * @throws {Error} If messageId exceeds 35 characters.
+     * @throws {Error} If payment instructions have different currencies.
+     * @throws {Error} If any creditor has incomplete information.
+     */
+    private validate;
+    /**
+     * Generates payment information for a single ACH credit transfer instruction.
+     * @param {ACHCreditPaymentInstruction} instruction - The payment instruction.
+     * @returns {Object} The payment information object formatted according to ACH specifications.
+     */
+    creditTransfer(instruction: ACHCreditPaymentInstruction): {
+        PmtId: {
+            InstrId: string;
+            EndToEndId: string;
+        };
+        Amt: {
+            InstdAmt: {
+                '#': string;
+                '@Ccy': "USD";
+            };
+        };
+        CdtrAgt: {
+            FinInstnId: {
+                BIC: string;
+                ClrSysMmbId?: undefined;
+            };
+        } | {
+            FinInstnId: {
+                ClrSysMmbId: {
+                    ClrSysId: {
+                        Cd: string;
+                    };
+                    MmbId: string;
+                };
+                BIC?: undefined;
+            };
+        };
+        Cdtr: any;
+        CdtrAcct: {
+            Id: {
+                Othr: {
+                    Id: string;
+                };
+            };
+            Tp: {
+                Cd: string;
+            };
+            Ccy: "USD";
+        };
+        RmtInf: {
+            Ustrd: string;
+        } | undefined;
+    };
+    /**
+     * Serializes the ACH credit transfer initiation to an XML string.
+     * @returns {string} The XML representation of the ACH credit transfer initiation.
+     */
+    serialize(): string;
+    /**
+     * Creates an ACHCreditPaymentInitiation instance from an XML string.
+     * @param {string} rawXml - The XML string to parse.
+     * @returns {ACHCreditPaymentInitiation} A new ACHCreditPaymentInitiation instance.
+     * @throws {InvalidXmlError} If the XML format is invalid.
+     * @throws {InvalidXmlNamespaceError} If the XML namespace is invalid.
+     * @throws {Error} If multiple payment information blocks are found.
+     */
+    static fromXML(rawXml: string): ACHCreditPaymentInitiation;
+}
+export {};

package/dist/src/pain/001/payment-initiation.d.ts

@@ -0,0 +1,105 @@
+import { XMLBuilder } from 'fast-xml-parser';
+import { Party, IBANAccount, Account, Agent } from '../../lib/types';
+/**
+ * Abstract base class for ISO20022 payment initiation (PAIN) messages.
+ * @abstract
+ */
+export declare abstract class PaymentInitiation {
+    type: "swift" | "rtp" | "sepa" | "ach";
+    constructor({ type }: {
+        type: "swift" | "rtp" | "sepa" | "ach";
+    });
+    /**
+     * Serializes the payment initiation to a string format.
+     * @abstract
+     * @returns {string} The serialized payment initiation.
+     */
+    abstract serialize(): string;
+    /**
+     * Formats a party's information according to ISO20022 standards.
+     * @param {Party} party - The party's information.
+     * @returns {Object} Formatted XML party information.
+     */
+    party(party: Party): any;
+    /**
+     * Formats an account according to ISO20022 standards.
+     * This method handles both IBAN and non-IBAN accounts.
+     *
+     * @param {Account} account - The account to be formatted. Can be either an IBANAccount or a BaseAccount.
+     * @returns {Object} An object representing the formatted account information.
+     *                   For IBAN accounts, it returns an object with an IBAN identifier.
+     *                   For non-IBAN accounts, it returns an object with an 'Other' identifier.
+     *
+     * @example
+     * // For an IBAN account
+     * account({ iban: 'DE89370400440532013000' })
+     * // Returns: { Id: { IBAN: 'DE89370400440532013000' } }
+     *
+     * @example
+     * // For a non-IBAN account
+     * account({ accountNumber: '1234567890' })
+     * // Returns: { Id: { Othr: { Id: '1234567890' } } }
+     */
+    account(account: Account): {
+        Id: {
+            IBAN: string;
+        };
+    } | {
+        Id: {
+            Othr: {
+                Id: string;
+            };
+        };
+    };
+    /**
+     * Formats an IBAN account according to ISO20022 standards.
+     * @param {IBANAccount} account - The IBAN account information.
+     * @returns {Object} Formatted XML IBAN account information.
+     */
+    internationalAccount(account: IBANAccount): {
+        Id: {
+            IBAN: string;
+        };
+    };
+    /**
+     * Formats an agent according to ISO20022 standards.
+     * This method handles both BIC and ABA agents.
+     *
+     * @param {Agent} agent - The agent to be formatted. Can be either a BICAgent or an ABAAgent.
+     * @returns {Object} An object representing the formatted agent information.
+     *                   For BIC agents, it returns an object with a BIC identifier.
+     *                   For ABA agents, it returns an object with clearing system member identification.
+     *
+     * @example
+     * // For a BIC agent
+     * agent({ bic: 'BOFAUS3NXXX' })
+     * // Returns: { FinInstnId: { BIC: 'BOFAUS3NXXX' } }
+     *
+     * @example
+     * // For an ABA agent
+     * agent({ abaRoutingNumber: '026009593' })
+     * // Returns: { FinInstnId: { ClrSysMmbId: { MmbId: '026009593' } } }
+     */
+    agent(agent: Agent): {
+        FinInstnId: {
+            BIC: string;
+            ClrSysMmbId?: undefined;
+        };
+    } | {
+        FinInstnId: {
+            ClrSysMmbId: {
+                ClrSysId: {
+                    Cd: string;
+                };
+                MmbId: string;
+            };
+            BIC?: undefined;
+        };
+    };
+    /**
+     * Returns the string representation of the payment initiation.
+     * @returns {string} The serialized payment initiation.
+     */
+    toString(): string;
+    static getBuilder(): XMLBuilder;
+}