<?xml version="1.0" encoding="UTF-8"?>
<!--Generated by Standards Platform on 2026 Feb 19 15:14:25-->
<xs:schema xmlns="urn:iso:std:iso:20022:tech:xsd:cafr.003.001.04" xmlns:xs="http://www.w3.org/2001/XMLSchema" elementFormDefault="qualified" targetNamespace="urn:iso:std:iso:20022:tech:xsd:cafr.003.001.04">
    <xs:element name="Document" type="Document"/>
    <xs:complexType name="ATICALaxProcessing">
        <xs:sequence>
            <xs:any namespace="##any" processContents="lax"/>
        </xs:sequence>
    </xs:complexType>
    <xs:simpleType name="ATICAPartyType1Code">
        <xs:restriction base="xs:string">
            <xs:enumeration value="ACCP"/>
            <xs:enumeration value="ACQR"/>
            <xs:enumeration value="ICCA"/>
            <xs:enumeration value="CISS"/>
            <xs:enumeration value="DLIS"/>
            <xs:enumeration value="AGNT"/>
            <xs:enumeration value="ACQP"/>
            <xs:enumeration value="CISP"/>
            <xs:enumeration value="WLPR"/>
            <xs:enumeration value="PASP"/>
        </xs:restriction>
    </xs:simpleType>
    <xs:complexType name="AcquirerData1">
        <xs:sequence>
            <xs:element name="Id" type="Max11NumericText"/>
            <xs:element maxOccurs="1" minOccurs="0" name="BizId" type="Max15AlphaNumericText"/>
            <xs:element maxOccurs="1" minOccurs="0" name="Ctry" type="ISO3NumericCountryCode"/>
            <xs:element maxOccurs="1" minOccurs="0" name="BizNm" type="Max35Text"/>
            <xs:element maxOccurs="1" minOccurs="0" name="LglCorpNm" type="Max99Text"/>
            <xs:element maxOccurs="1" minOccurs="0" name="Adr" type="Address4"/>
            <xs:element maxOccurs="unbounded" minOccurs="0" name="PrvtData" type="ATICALaxProcessing"/>
            <xs:element maxOccurs="unbounded" minOccurs="0" name="NtlData" type="ATICALaxProcessing"/>
            <xs:element maxOccurs="unbounded" minOccurs="0" name="LclData" type="LocalData20"/>
        </xs:sequence>
    </xs:complexType>
    <xs:simpleType name="ActionTaken2Code">
        <xs:restriction base="xs:string">
            <xs:enumeration value="ACCP"/>
            <xs:enumeration value="RJCT"/>
            <xs:enumeration value="WARN"/>
        </xs:restriction>
    </xs:simpleType>
    <xs:complexType name="AdditionalFee4">
        <xs:sequence>
            <xs:element name="Tp" type="ISO8583FeeTypeCode"/>
            <xs:element maxOccurs="1" minOccurs="0" name="Prgm" type="Max35Text"/>
            <xs:element maxOccurs="1" minOccurs="0" name="Dscrptr" type="Max35Text"/>
            <xs:element maxOccurs="1" minOccurs="0" name="Rate" type="BaseOneRate"/>
            <xs:element maxOccurs="1" minOccurs="0" name="RateFix" type="ImpliedCurrencyAndAmount"/>
            <xs:element maxOccurs="1" minOccurs="0" name="CdtDbt" type="CreditDebit3Code"/>
            <xs:element name="Amt" type="ImpliedCurrencyAndAmount"/>
            <xs:element maxOccurs="1" minOccurs="0" name="Ccy" type="ISO3NumericCurrencyCode"/>
            <xs:element maxOccurs="1" minOccurs="0" name="RcncltnAmt" type="ImpliedCurrencyAndAmount"/>
            <xs:element maxOccurs="1" minOccurs="0" name="RcncltnCcy" type="ISO3NumericCurrencyCode"/>
            <xs:element maxOccurs="1" minOccurs="0" name="RcncltnFctvXchgRate" type="BaseOne25Rate"/>
            <xs:element maxOccurs="1" minOccurs="0" name="Assgnr" type="ATICAPartyType1Code"/>
            <xs:element maxOccurs="1" minOccurs="0" name="Desc" type="Max140Text"/>
        </xs:sequence>
    </xs:complexType>
    <xs:complexType name="Address4">
        <xs:sequence>
            <xs:element maxOccurs="1" minOccurs="0" name="Line1" type="Max99Text"/>
            <xs:element maxOccurs="1" minOccurs="0" name="Line2" type="Max99Text"/>
            <xs:element maxOccurs="1" minOccurs="0" name="StrtNm" type="Max99Text"/>
            <xs:element maxOccurs="1" minOccurs="0" name="BldgNb" type="Max16Text"/>
            <xs:element maxOccurs="1" minOccurs="0" name="PstlCd" type="Max16Text"/>
            <xs:element maxOccurs="1" minOccurs="0" name="TwnNm" type="Max50Text"/>
            <xs:element maxOccurs="1" minOccurs="0" name="CtrySubDvsnMnr" type="ISOCountrySubDivisionCode"/>
            <xs:element maxOccurs="1" minOccurs="0" name="CtrySubDvsnMjr" type="ISOCountrySubDivisionCode"/>
            <xs:element maxOccurs="1" minOccurs="0" name="CtrySubDvsnMjrNm" type="Max50Text"/>
            <xs:element maxOccurs="1" minOccurs="0" name="CtrySubDvsnMnrNm" type="Max50Text"/>
            <xs:element maxOccurs="1" minOccurs="0" name="Ctry" type="ISOMax3ACountryCode"/>
            <xs:element maxOccurs="1" minOccurs="0" name="GeogcLctn" type="GeographicPointInDecimalDegreesText"/>
        </xs:sequence>
    </xs:complexType>
    <xs:complexType name="Authority1">
        <xs:sequence>
            <xs:element maxOccurs="1" minOccurs="0" name="Ctry" type="ISO3NumericCountryCode"/>
            <xs:element maxOccurs="1" minOccurs="0" name="CtrySubDvsnMjr" type="ISOCountrySubDivisionCode"/>
            <xs:element maxOccurs="1" minOccurs="0" name="CtrySubDvsnMnr" type="ISOCountrySubDivisionCode"/>
            <xs:element maxOccurs="1" minOccurs="0" name="CtrySubDvsnMjrNm" type="Max50Text"/>
            <xs:element maxOccurs="1" minOccurs="0" name="CtrySubDvsnMnrNm" type="Max50Text"/>
            <xs:element maxOccurs="1" minOccurs="0" name="Nm" type="Max50Text"/>
        </xs:sequence>
    </xs:complexType>
    <xs:simpleType name="BaseOne25Rate">
        <xs:restriction base="xs:decimal">
            <xs:fractionDigits value="13"/>
            <xs:totalDigits value="25"/>
        </xs:restriction>
    </xs:simpleType>
    <xs:simpleType name="BaseOneRate">
        <xs:restriction base="xs:decimal">
            <xs:fractionDigits value="10"/>
            <xs:totalDigits value="11"/>
        </xs:restriction>
    </xs:simpleType>
    <xs:complexType name="CardData17">
        <xs:sequence>
            <xs:element maxOccurs="1" minOccurs="0" name="PAN" type="Max19NumericText"/>
            <xs:element maxOccurs="1" minOccurs="0" name="PrtctdPAN" type="TrueFalseIndicator"/>
            <xs:element maxOccurs="1" minOccurs="0" name="CardSeqNb" type="Min2Max3NumericText"/>
            <xs:element maxOccurs="1" minOccurs="0" name="FctvDt" type="ISOYearMonth"/>
            <xs:element maxOccurs="1" minOccurs="0" name="XpryDt" type="ISOYearMonth"/>
            <xs:element maxOccurs="1" minOccurs="0" name="Trck3" type="Max104Text"/>
            <xs:element maxOccurs="1" minOccurs="0" name="PmtAcctRef" type="Max35Text"/>
            <xs:element maxOccurs="1" minOccurs="0" name="PANAcctRg" type="Max19NumericText"/>
            <xs:element maxOccurs="1" minOccurs="0" name="PANRefIdr" type="Max35Text"/>
            <xs:element maxOccurs="1" minOccurs="0" name="PANFourLastDgts" type="Max4NumericText"/>
            <xs:element maxOccurs="1" minOccurs="0" name="Ctry" type="ISO3NumericCountryCode"/>
            <xs:element maxOccurs="1" minOccurs="0" name="Ccy" type="ISO3NumericCurrencyCode"/>
            <xs:element maxOccurs="1" minOccurs="0" name="PdctTp" type="Max35Text"/>
            <xs:element maxOccurs="1" minOccurs="0" name="PdctSubTp" type="Max35Text"/>
            <xs:element maxOccurs="1" minOccurs="0" name="PrtflIdr" type="Max35Text"/>
            <xs:element maxOccurs="1" minOccurs="0" name="Brnd" type="Max35Text"/>
            <xs:element maxOccurs="1" minOccurs="0" name="AcctFndgSrc" type="Max10Text"/>
            <xs:element maxOccurs="1" minOccurs="0" name="Sgmt" type="Max10Text"/>
            <xs:element maxOccurs="1" minOccurs="0" name="Schme" type="Max35Text"/>
            <xs:element maxOccurs="1" minOccurs="0" name="IsseDt" type="ISOYearMonth"/>
            <xs:element maxOccurs="unbounded" minOccurs="0" name="PrvtData" type="ATICALaxProcessing"/>
            <xs:element maxOccurs="unbounded" minOccurs="0" name="NtlData" type="ATICALaxProcessing"/>
        </xs:sequence>
    </xs:complexType>
    <xs:complexType name="Cardholder23">
        <xs:sequence>
            <xs:element maxOccurs="1" minOccurs="0" name="Nm" type="Max105Text"/>
            <xs:element maxOccurs="1" minOccurs="0" name="GvnNm" type="Max35Text"/>
            <xs:element maxOccurs="1" minOccurs="0" name="LastNm" type="Max35Text"/>
            <xs:element maxOccurs="1" minOccurs="0" name="MddlNm" type="Max35Text"/>
            <xs:element maxOccurs="1" minOccurs="0" name="Dsgnt" type="Max2NumericText"/>
            <xs:element maxOccurs="unbounded" minOccurs="0" name="Id" type="Credentials3"/>
            <xs:element maxOccurs="1" minOccurs="0" name="BllgAdr" type="Address4"/>
            <xs:element maxOccurs="1" minOccurs="0" name="CmprssdAdr" type="Max35Text"/>
            <xs:element maxOccurs="unbounded" minOccurs="0" name="ShppgAdr" type="Address4"/>
            <xs:element maxOccurs="1" minOccurs="0" name="CtctInf" type="ContactPersonal2"/>
            <xs:element maxOccurs="1" minOccurs="0" name="DtOfBirth" type="ISODate"/>
            <xs:element maxOccurs="1" minOccurs="0" name="HghVal" type="TrueFalseIndicator"/>
            <xs:element maxOccurs="1" minOccurs="0" name="AliasNm" type="Max70Text"/>
            <xs:element maxOccurs="1" minOccurs="0" name="Ocptn" type="Max35Text"/>
            <xs:element maxOccurs="unbounded" minOccurs="0" name="PrvtData" type="ATICALaxProcessing"/>
            <xs:element maxOccurs="unbounded" minOccurs="0" name="NtlData" type="ATICALaxProcessing"/>
            <xs:element maxOccurs="1" minOccurs="0" name="LclData" type="LocalData24"/>
        </xs:sequence>
    </xs:complexType>
    <xs:complexType name="CardholderName2">
        <xs:sequence>
            <xs:element maxOccurs="1" minOccurs="0" name="Nm" type="Max140Text"/>
            <xs:element maxOccurs="1" minOccurs="0" name="GvnNm" type="Max70Text"/>
            <xs:element maxOccurs="1" minOccurs="0" name="MddlNm" type="Max70Text"/>
            <xs:element maxOccurs="1" minOccurs="0" name="LastNm" type="Max70Text"/>
        </xs:sequence>
    </xs:complexType>
    <xs:complexType name="ContactPersonal2">
        <xs:sequence>
            <xs:element maxOccurs="1" minOccurs="0" name="HomePhne" type="PhoneNumber"/>
            <xs:element maxOccurs="1" minOccurs="0" name="BizPhne" type="PhoneNumber"/>
            <xs:element maxOccurs="1" minOccurs="0" name="MobPhne" type="PhoneNumber"/>
            <xs:element maxOccurs="1" minOccurs="0" name="OthrPhne" type="PhoneNumber"/>
            <xs:element maxOccurs="1" minOccurs="0" name="PrsnlEmail" type="Max256Text"/>
            <xs:element maxOccurs="1" minOccurs="0" name="BizEmail" type="Max256Text"/>
            <xs:element maxOccurs="1" minOccurs="0" name="OthrEmail" type="Max256Text"/>
            <xs:element maxOccurs="1" minOccurs="0" name="HomeFax" type="PhoneNumber"/>
            <xs:element maxOccurs="1" minOccurs="0" name="BizFax" type="PhoneNumber"/>
            <xs:element maxOccurs="1" minOccurs="0" name="URL" type="Max256Text"/>
            <xs:element maxOccurs="1" minOccurs="0" name="Lang" type="ISO2ALanguageCode"/>
        </xs:sequence>
    </xs:complexType>
    <xs:complexType name="ContentInformationType41">
        <xs:sequence>
            <xs:element name="MACData" type="MACData1"/>
            <xs:element name="MAC" type="Max8HexBinaryText"/>
        </xs:sequence>
    </xs:complexType>
    <xs:complexType name="Credentials3">
        <xs:sequence>
            <xs:element name="Tp" type="ExternalAuthenticationMethod1Code"/>
            <xs:element maxOccurs="1" minOccurs="0" name="OthrTp" type="Max35Text"/>
            <xs:element maxOccurs="1" minOccurs="0" name="SubTp" type="Max35Text"/>
            <xs:element name="Val" type="Max70Text"/>
            <xs:element maxOccurs="1" minOccurs="0" name="XpryDt" type="ISOYearMonth"/>
            <xs:element maxOccurs="1" minOccurs="0" name="Assgnr" type="Authority1"/>
        </xs:sequence>
    </xs:complexType>
    <xs:simpleType name="CreditDebit3Code">
        <xs:restriction base="xs:string">
            <xs:enumeration value="CRDT"/>
            <xs:enumeration value="DBIT"/>
        </xs:restriction>
    </xs:simpleType>
    <xs:complexType name="DestinationData1">
        <xs:sequence>
            <xs:element name="Id" type="Max11NumericText"/>
            <xs:element maxOccurs="1" minOccurs="0" name="BizId" type="Max15AlphaNumericText"/>
            <xs:element maxOccurs="1" minOccurs="0" name="Ctry" type="ISO3NumericCountryCode"/>
            <xs:element maxOccurs="1" minOccurs="0" name="BizNm" type="Max35Text"/>
            <xs:element maxOccurs="1" minOccurs="0" name="LglCorpNm" type="Max99Text"/>
            <xs:element maxOccurs="1" minOccurs="0" name="Adr" type="Address4"/>
            <xs:element maxOccurs="unbounded" minOccurs="0" name="PrvtData" type="ATICALaxProcessing"/>
            <xs:element maxOccurs="unbounded" minOccurs="0" name="NtlData" type="ATICALaxProcessing"/>
            <xs:element maxOccurs="unbounded" minOccurs="0" name="LclData" type="LocalData20"/>
        </xs:sequence>
    </xs:complexType>
    <xs:complexType name="Document">
        <xs:sequence>
            <xs:element name="FrdDspstnInitn" type="FraudDispositionInitiationV04"/>
        </xs:sequence>
    </xs:complexType>
    <xs:complexType name="EncryptedData2">
        <xs:sequence>
            <xs:element maxOccurs="1" minOccurs="0" name="Ctrl" type="Exact1HexBinaryText"/>
            <xs:element maxOccurs="1" minOccurs="0" name="KeySetIdr" type="Max8NumericText"/>
            <xs:element maxOccurs="1" minOccurs="0" name="DrvdInf" type="Max32HexBinaryText"/>
            <xs:element maxOccurs="1" minOccurs="0" name="Algo" type="Max2NumericText"/>
            <xs:element maxOccurs="1" minOccurs="0" name="KeyLngth" type="Max4NumericText"/>
            <xs:element maxOccurs="1" minOccurs="0" name="KeyPrtcn" type="Max2NumericText"/>
            <xs:element maxOccurs="1" minOccurs="0" name="KeyIndx" type="Max5NumericText"/>
            <xs:element maxOccurs="1" minOccurs="0" name="PddgMtd" type="Max2NumericText"/>
            <xs:element maxOccurs="1" minOccurs="0" name="NcrptdFrmt" type="Max2NumericText"/>
            <xs:element maxOccurs="unbounded" minOccurs="1" name="NcrptdElmt" type="EncryptedDataElement2"/>
        </xs:sequence>
    </xs:complexType>
    <xs:complexType name="EncryptedData2Choice">
        <xs:choice>
            <xs:element name="Binry" type="Max100KBinary"/>
            <xs:element name="HexBinry" type="Max9999HexBinaryText"/>
        </xs:choice>
    </xs:complexType>
    <xs:complexType name="EncryptedDataElement2">
        <xs:sequence>
            <xs:element maxOccurs="1" minOccurs="0" name="Id" type="Max35Text"/>
            <xs:element name="Data" type="EncryptedData2Choice"/>
            <xs:element maxOccurs="1" minOccurs="0" name="ClearTxtFrmt" type="EncryptedDataFormat1Code"/>
            <xs:element maxOccurs="1" minOccurs="0" name="OthrClearTxtFrmt" type="Max35Text"/>
        </xs:sequence>
    </xs:complexType>
    <xs:simpleType name="EncryptedDataFormat1Code">
        <xs:restriction base="xs:string">
            <xs:enumeration value="ASCI"/>
            <xs:enumeration value="BINF"/>
            <xs:enumeration value="EBCD"/>
            <xs:enumeration value="HEXF"/>
            <xs:enumeration value="OTHN"/>
            <xs:enumeration value="OTHP"/>
        </xs:restriction>
    </xs:simpleType>
    <xs:simpleType name="Exact1HexBinaryText">
        <xs:restriction base="xs:string">
            <xs:pattern value="([0-9A-F][0-9A-F]){1}"/>
        </xs:restriction>
    </xs:simpleType>
    <xs:simpleType name="ExternalAuthenticationMethod1Code">
        <xs:restriction base="xs:string">
            <xs:minLength value="1"/>
            <xs:maxLength value="4"/>
        </xs:restriction>
    </xs:simpleType>
    <xs:simpleType name="ExternalMessageFunction1Code">
        <xs:restriction base="xs:string">
            <xs:minLength value="1"/>
            <xs:maxLength value="4"/>
        </xs:restriction>
    </xs:simpleType>
    <xs:complexType name="FraudDispositionInitiationV04">
        <xs:sequence>
            <xs:element name="Hdr" type="Header72"/>
            <xs:element name="RptdFrd" type="ReportedFraud7"/>
            <xs:element name="FrdDspstnSts" type="FraudDispositionStatus3"/>
            <xs:element maxOccurs="1" minOccurs="0" name="Orgtr" type="OriginatorData2"/>
            <xs:element name="Acqrr" type="AcquirerData1"/>
            <xs:element maxOccurs="1" minOccurs="0" name="Sndr" type="SenderData1"/>
            <xs:element maxOccurs="1" minOccurs="0" name="Card" type="CardData17"/>
            <xs:element name="FrdTxId" type="Max70Text"/>
            <xs:element maxOccurs="1" minOccurs="0" name="Rcvr" type="ReceiverData1"/>
            <xs:element maxOccurs="1" minOccurs="0" name="Issr" type="IssuerData1"/>
            <xs:element maxOccurs="1" minOccurs="0" name="Dstn" type="DestinationData1"/>
            <xs:element maxOccurs="1" minOccurs="0" name="Prgrmm" type="ProgrammeMode6"/>
            <xs:element maxOccurs="unbounded" minOccurs="0" name="AddtlInf" type="ATICALaxProcessing"/>
            <xs:element maxOccurs="1" minOccurs="0" name="Tkn" type="Token5"/>
            <xs:element maxOccurs="unbounded" minOccurs="0" name="Crdhldr" type="Cardholder23"/>
            <xs:element maxOccurs="1" minOccurs="0" name="Jursdctn" type="Jurisdiction2"/>
            <xs:element maxOccurs="1" minOccurs="0" name="SttlmSvc" type="SettlementService7"/>
            <xs:element maxOccurs="unbounded" minOccurs="0" name="AddtlFee" type="AdditionalFee4"/>
            <xs:element maxOccurs="1" minOccurs="0" name="Rcncltn" type="Reconciliation5"/>
            <xs:element maxOccurs="unbounded" minOccurs="0" name="PrtctdData" type="EncryptedData2"/>
            <xs:element maxOccurs="unbounded" minOccurs="0" name="PrvtData" type="ATICALaxProcessing"/>
            <xs:element maxOccurs="unbounded" minOccurs="0" name="NtlData" type="ATICALaxProcessing"/>
            <xs:element maxOccurs="1" minOccurs="0" name="SctyTrlr" type="ContentInformationType41"/>
        </xs:sequence>
    </xs:complexType>
    <xs:complexType name="FraudDispositionStatus3">
        <xs:sequence>
            <xs:element name="ActnTaken" type="ActionTaken2Code"/>
            <xs:element maxOccurs="unbounded" minOccurs="0" name="ErrData" type="Max256Text"/>
            <xs:element maxOccurs="unbounded" minOccurs="0" name="WrngData" type="Max256Text"/>
        </xs:sequence>
    </xs:complexType>
    <xs:simpleType name="FraudReportingAction2Code">
        <xs:restriction base="xs:string">
            <xs:enumeration value="DUPL"/>
            <xs:enumeration value="CLSE"/>
            <xs:enumeration value="NEWF"/>
            <xs:enumeration value="REOP"/>
            <xs:enumeration value="UPDT"/>
        </xs:restriction>
    </xs:simpleType>
    <xs:simpleType name="FraudType2Code">
        <xs:restriction base="xs:string">
            <xs:enumeration value="ACTO"/>
            <xs:enumeration value="CWUI"/>
            <xs:enumeration value="CRNT"/>
            <xs:enumeration value="FRAC"/>
            <xs:enumeration value="FRAP"/>
            <xs:enumeration value="CWKA"/>
            <xs:enumeration value="CRDL"/>
            <xs:enumeration value="MISC"/>
            <xs:enumeration value="CRDS"/>
            <xs:enumeration value="CNPA"/>
            <xs:enumeration value="MUFD"/>
            <xs:enumeration value="COSN"/>
        </xs:restriction>
    </xs:simpleType>
    <xs:simpleType name="GeographicPointInDecimalDegreesText">
        <xs:restriction base="xs:string">
            <xs:pattern value="(\+|-)?[\d]{1,3}(\.[\d]{1,8})?/(\+|-)?[\d]{1,3}(\.[\d]{1,8})?"/>
            <xs:maxLength value="27"/>
        </xs:restriction>
    </xs:simpleType>
    <xs:complexType name="Header72">
        <xs:sequence>
            <xs:element name="MsgFctn" type="ExternalMessageFunction1Code"/>
            <xs:element maxOccurs="1" minOccurs="0" name="PrtcolVrsn" type="Max2048Text"/>
            <xs:element maxOccurs="1" minOccurs="0" name="XchgId" type="Max35Text"/>
            <xs:element maxOccurs="1" minOccurs="0" name="ReTrnsmssnCntr" type="Max3NumericText"/>
            <xs:element maxOccurs="1" minOccurs="0" name="CreDtTm" type="ISODateTime"/>
            <xs:element maxOccurs="1" minOccurs="0" name="ColltnId" type="Max35Text"/>
            <xs:element maxOccurs="1" minOccurs="0" name="BtchId" type="Max35Text"/>
            <xs:element maxOccurs="1" minOccurs="0" name="MsgSeqNb" type="Max15NumericText"/>
            <xs:element maxOccurs="1" minOccurs="0" name="MsgChcksmInptVal" type="Max140Binary"/>
            <xs:element maxOccurs="1" minOccurs="0" name="InitgPtyId" type="Max35Text"/>
            <xs:element maxOccurs="1" minOccurs="0" name="RcptPtyId" type="Max35Text"/>
            <xs:element maxOccurs="1" minOccurs="0" name="TracData" type="Max70Text"/>
        </xs:sequence>
    </xs:complexType>
    <xs:simpleType name="ISO2ALanguageCode">
        <xs:restriction base="xs:string">
            <xs:pattern value="[a-z]{2,2}"/>
        </xs:restriction>
    </xs:simpleType>
    <xs:simpleType name="ISO3NumericCountryCode">
        <xs:restriction base="xs:string">
            <xs:pattern value="[0-9]{3,3}"/>
        </xs:restriction>
    </xs:simpleType>
    <xs:simpleType name="ISO3NumericCurrencyCode">
        <xs:restriction base="xs:string">
            <xs:pattern value="[0-9]{3,3}"/>
        </xs:restriction>
    </xs:simpleType>
    <xs:simpleType name="ISO8583FeeTypeCode">
        <xs:restriction base="xs:string">
            <xs:pattern value="[0-9]{2,2}"/>
        </xs:restriction>
    </xs:simpleType>
    <xs:simpleType name="ISOCountrySubDivisionCode">
        <xs:restriction base="xs:string">
            <xs:pattern value="[A-Z]{2,3}"/>
        </xs:restriction>
    </xs:simpleType>
    <xs:simpleType name="ISODate">
        <xs:restriction base="xs:date"/>
    </xs:simpleType>
    <xs:simpleType name="ISODateTime">
        <xs:restriction base="xs:dateTime"/>
    </xs:simpleType>
    <xs:simpleType name="ISOMax3ACountryCode">
        <xs:restriction base="xs:string">
            <xs:pattern value="[A-Z]{2,3}"/>
        </xs:restriction>
    </xs:simpleType>
    <xs:simpleType name="ISOMax3ALanguageCode">
        <xs:restriction base="xs:string">
            <xs:pattern value="[a-z]{2,3}"/>
        </xs:restriction>
    </xs:simpleType>
    <xs:simpleType name="ISOTime">
        <xs:restriction base="xs:time"/>
    </xs:simpleType>
    <xs:simpleType name="ISOYearMonth">
        <xs:restriction base="xs:gYearMonth"/>
    </xs:simpleType>
    <xs:simpleType name="ImpliedCurrencyAndAmount">
        <xs:restriction base="xs:decimal">
            <xs:fractionDigits value="5"/>
            <xs:totalDigits value="18"/>
            <xs:minInclusive value="0"/>
        </xs:restriction>
    </xs:simpleType>
    <xs:complexType name="IssuerData1">
        <xs:sequence>
            <xs:element name="Id" type="Max11NumericText"/>
            <xs:element maxOccurs="1" minOccurs="0" name="BizId" type="Max15AlphaNumericText"/>
            <xs:element maxOccurs="1" minOccurs="0" name="Ctry" type="ISO3NumericCountryCode"/>
            <xs:element maxOccurs="1" minOccurs="0" name="BizNm" type="Max35Text"/>
            <xs:element maxOccurs="1" minOccurs="0" name="LglCorpNm" type="Max99Text"/>
            <xs:element maxOccurs="1" minOccurs="0" name="Adr" type="Address4"/>
            <xs:element maxOccurs="unbounded" minOccurs="0" name="PrvtData" type="ATICALaxProcessing"/>
            <xs:element maxOccurs="unbounded" minOccurs="0" name="NtlData" type="ATICALaxProcessing"/>
            <xs:element maxOccurs="unbounded" minOccurs="0" name="LclData" type="LocalData20"/>
        </xs:sequence>
    </xs:complexType>
    <xs:complexType name="Jurisdiction2">
        <xs:sequence>
            <xs:element maxOccurs="1" minOccurs="0" name="DmstInd" type="TrueFalseIndicator"/>
            <xs:element maxOccurs="1" minOccurs="0" name="DmstQlfctn" type="Max35Text"/>
        </xs:sequence>
    </xs:complexType>
    <xs:complexType name="LocalAddress1">
        <xs:sequence>
            <xs:element maxOccurs="1" minOccurs="0" name="AdrLine1" type="Max200Text"/>
            <xs:element maxOccurs="1" minOccurs="0" name="AdrLine2" type="Max200Text"/>
            <xs:element maxOccurs="1" minOccurs="0" name="StrtNm" type="Max200Text"/>
            <xs:element maxOccurs="1" minOccurs="0" name="BldgNb" type="Max35Text"/>
            <xs:element maxOccurs="1" minOccurs="0" name="PstlCd" type="Max35Text"/>
            <xs:element maxOccurs="1" minOccurs="0" name="TwnNm" type="Max100Text"/>
            <xs:element maxOccurs="1" minOccurs="0" name="CtrySubDvsnMnrNm" type="Max100Text"/>
            <xs:element maxOccurs="1" minOccurs="0" name="CtrySubDvsnMjrNm" type="Max100Text"/>
        </xs:sequence>
    </xs:complexType>
    <xs:complexType name="LocalAddress2">
        <xs:sequence>
            <xs:element maxOccurs="1" minOccurs="0" name="Line1" type="Max200Text"/>
            <xs:element maxOccurs="1" minOccurs="0" name="Line2" type="Max200Text"/>
            <xs:element maxOccurs="1" minOccurs="0" name="StrtNm" type="Max200Text"/>
            <xs:element maxOccurs="1" minOccurs="0" name="BldgNb" type="Max35Text"/>
            <xs:element maxOccurs="1" minOccurs="0" name="PstlCd" type="Max35Text"/>
            <xs:element maxOccurs="1" minOccurs="0" name="TwnNm" type="Max100Text"/>
            <xs:element maxOccurs="1" minOccurs="0" name="CtrySubDvsnMnrNm" type="Max100Text"/>
            <xs:element maxOccurs="1" minOccurs="0" name="CtrySubDvsnMjrNm" type="Max100Text"/>
        </xs:sequence>
    </xs:complexType>
    <xs:complexType name="LocalData20">
        <xs:sequence>
            <xs:element name="Lang" type="ISOMax3ALanguageCode"/>
            <xs:element maxOccurs="1" minOccurs="0" name="NcodgFrmt" type="Max35Text"/>
            <xs:element maxOccurs="1" minOccurs="0" name="BizNm" type="Max70Text"/>
            <xs:element maxOccurs="1" minOccurs="0" name="LglCorpNm" type="Max210Text"/>
            <xs:element maxOccurs="1" minOccurs="0" name="Adr" type="LocalAddress2"/>
            <xs:element maxOccurs="unbounded" minOccurs="0" name="PrvtData" type="ATICALaxProcessing"/>
            <xs:element maxOccurs="unbounded" minOccurs="0" name="NtlData" type="ATICALaxProcessing"/>
        </xs:sequence>
    </xs:complexType>
    <xs:complexType name="LocalData24">
        <xs:sequence>
            <xs:element name="Lang" type="ISOMax3ALanguageCode"/>
            <xs:element maxOccurs="1" minOccurs="0" name="NcodgFrmt" type="Max35Text"/>
            <xs:element maxOccurs="1" minOccurs="0" name="Nm" type="CardholderName2"/>
            <xs:element maxOccurs="1" minOccurs="0" name="AliasNm" type="Max140Text"/>
            <xs:element maxOccurs="1" minOccurs="0" name="Ocptn" type="Max70Text"/>
            <xs:element maxOccurs="1" minOccurs="0" name="Adr" type="LocalAddress2"/>
            <xs:element maxOccurs="unbounded" minOccurs="0" name="ShppgAdr" type="LocalAddress1"/>
            <xs:element maxOccurs="unbounded" minOccurs="0" name="PrvtData" type="ATICALaxProcessing"/>
            <xs:element maxOccurs="unbounded" minOccurs="0" name="NtlData" type="ATICALaxProcessing"/>
        </xs:sequence>
    </xs:complexType>
    <xs:complexType name="MACData1">
        <xs:sequence>
            <xs:element name="Ctrl" type="Exact1HexBinaryText"/>
            <xs:element name="KeySetIdr" type="Max8NumericText"/>
            <xs:element maxOccurs="1" minOccurs="0" name="DrvdInf" type="Max32HexBinaryText"/>
            <xs:element name="Algo" type="Max2NumericText"/>
            <xs:element maxOccurs="1" minOccurs="0" name="KeyLngth" type="Max4NumericText"/>
            <xs:element maxOccurs="1" minOccurs="0" name="KeyPrtcn" type="Max2NumericText"/>
            <xs:element maxOccurs="1" minOccurs="0" name="KeyIndx" type="Max5NumericText"/>
            <xs:element maxOccurs="1" minOccurs="0" name="PddgMtd" type="Max2NumericText"/>
            <xs:element maxOccurs="1" minOccurs="0" name="InitlstnVctr" type="Max32HexBinaryText"/>
        </xs:sequence>
    </xs:complexType>
    <xs:simpleType name="Max100KBinary">
        <xs:restriction base="xs:base64Binary">
            <xs:minLength value="1"/>
            <xs:maxLength value="102400"/>
        </xs:restriction>
    </xs:simpleType>
    <xs:simpleType name="Max100Text">
        <xs:restriction base="xs:string">
            <xs:minLength value="1"/>
            <xs:maxLength value="100"/>
        </xs:restriction>
    </xs:simpleType>
    <xs:simpleType name="Max104Text">
        <xs:restriction base="xs:string">
            <xs:minLength value="1"/>
            <xs:maxLength value="104"/>
        </xs:restriction>
    </xs:simpleType>
    <xs:simpleType name="Max105Text">
        <xs:restriction base="xs:string">
            <xs:minLength value="1"/>
            <xs:maxLength value="105"/>
        </xs:restriction>
    </xs:simpleType>
    <xs:simpleType name="Max10Text">
        <xs:restriction base="xs:string">
            <xs:minLength value="1"/>
            <xs:maxLength value="10"/>
        </xs:restriction>
    </xs:simpleType>
    <xs:simpleType name="Max11NumericText">
        <xs:restriction base="xs:string">
            <xs:pattern value="[0-9]{1,11}"/>
        </xs:restriction>
    </xs:simpleType>
    <xs:simpleType name="Max140Binary">
        <xs:restriction base="xs:base64Binary">
            <xs:minLength value="1"/>
            <xs:maxLength value="140"/>
        </xs:restriction>
    </xs:simpleType>
    <xs:simpleType name="Max140Text">
        <xs:restriction base="xs:string">
            <xs:minLength value="1"/>
            <xs:maxLength value="140"/>
        </xs:restriction>
    </xs:simpleType>
    <xs:simpleType name="Max15AlphaNumericText">
        <xs:restriction base="xs:string">
            <xs:pattern value="[a-zA-Z0-9]{1,15}"/>
            <xs:minLength value="1"/>
            <xs:maxLength value="15"/>
        </xs:restriction>
    </xs:simpleType>
    <xs:simpleType name="Max15NumericText">
        <xs:restriction base="xs:string">
            <xs:pattern value="[0-9]{1,15}"/>
        </xs:restriction>
    </xs:simpleType>
    <xs:simpleType name="Max16Text">
        <xs:restriction base="xs:string">
            <xs:minLength value="1"/>
            <xs:maxLength value="16"/>
        </xs:restriction>
    </xs:simpleType>
    <xs:simpleType name="Max19NumericText">
        <xs:restriction base="xs:string">
            <xs:pattern value="[0-9]{1,19}"/>
        </xs:restriction>
    </xs:simpleType>
    <xs:simpleType name="Max200Text">
        <xs:restriction base="xs:string">
            <xs:minLength value="1"/>
            <xs:maxLength value="200"/>
        </xs:restriction>
    </xs:simpleType>
    <xs:simpleType name="Max2048Text">
        <xs:restriction base="xs:string">
            <xs:minLength value="1"/>
            <xs:maxLength value="2048"/>
        </xs:restriction>
    </xs:simpleType>
    <xs:simpleType name="Max210Text">
        <xs:restriction base="xs:string">
            <xs:minLength value="1"/>
            <xs:maxLength value="210"/>
        </xs:restriction>
    </xs:simpleType>
    <xs:simpleType name="Max256Text">
        <xs:restriction base="xs:string">
            <xs:minLength value="1"/>
            <xs:maxLength value="256"/>
        </xs:restriction>
    </xs:simpleType>
    <xs:simpleType name="Max2NumericText">
        <xs:restriction base="xs:string">
            <xs:pattern value="[0-9]{1,2}"/>
        </xs:restriction>
    </xs:simpleType>
    <xs:simpleType name="Max32HexBinaryText">
        <xs:restriction base="xs:string">
            <xs:pattern value="([0-9A-F][0-9A-F]){1,32}"/>
        </xs:restriction>
    </xs:simpleType>
    <xs:simpleType name="Max35Text">
        <xs:restriction base="xs:string">
            <xs:minLength value="1"/>
            <xs:maxLength value="35"/>
        </xs:restriction>
    </xs:simpleType>
    <xs:simpleType name="Max3NumericText">
        <xs:restriction base="xs:string">
            <xs:pattern value="[0-9]{1,3}"/>
        </xs:restriction>
    </xs:simpleType>
    <xs:simpleType name="Max3Text">
        <xs:restriction base="xs:string">
            <xs:minLength value="1"/>
            <xs:maxLength value="3"/>
        </xs:restriction>
    </xs:simpleType>
    <xs:simpleType name="Max4NumericText">
        <xs:restriction base="xs:string">
            <xs:pattern value="[0-9]{1,4}"/>
        </xs:restriction>
    </xs:simpleType>
    <xs:simpleType name="Max50Text">
        <xs:restriction base="xs:string">
            <xs:minLength value="1"/>
            <xs:maxLength value="50"/>
        </xs:restriction>
    </xs:simpleType>
    <xs:simpleType name="Max5NumericText">
        <xs:restriction base="xs:string">
            <xs:pattern value="[0-9]{1,5}"/>
        </xs:restriction>
    </xs:simpleType>
    <xs:simpleType name="Max70Text">
        <xs:restriction base="xs:string">
            <xs:minLength value="1"/>
            <xs:maxLength value="70"/>
        </xs:restriction>
    </xs:simpleType>
    <xs:simpleType name="Max8HexBinaryText">
        <xs:restriction base="xs:string">
            <xs:pattern value="([0-9A-F][0-9A-F]){1,8}"/>
        </xs:restriction>
    </xs:simpleType>
    <xs:simpleType name="Max8NumericText">
        <xs:restriction base="xs:string">
            <xs:pattern value="[0-9]{1,8}"/>
        </xs:restriction>
    </xs:simpleType>
    <xs:simpleType name="Max9999HexBinaryText">
        <xs:restriction base="xs:string">
            <xs:pattern value="([0-9A-F][0-9A-F]){1,9999}"/>
        </xs:restriction>
    </xs:simpleType>
    <xs:simpleType name="Max99Text">
        <xs:restriction base="xs:string">
            <xs:minLength value="1"/>
            <xs:maxLength value="99"/>
        </xs:restriction>
    </xs:simpleType>
    <xs:simpleType name="Min2Max3NumericText">
        <xs:restriction base="xs:string">
            <xs:pattern value="[0-9]{2,3}"/>
        </xs:restriction>
    </xs:simpleType>
    <xs:complexType name="OriginatorData2">
        <xs:sequence>
            <xs:element name="Id" type="Max11NumericText"/>
            <xs:element maxOccurs="1" minOccurs="0" name="BizId" type="Max15AlphaNumericText"/>
            <xs:element maxOccurs="1" minOccurs="0" name="Ctry" type="ISO3NumericCountryCode"/>
            <xs:element maxOccurs="1" minOccurs="0" name="BizNm" type="Max35Text"/>
            <xs:element maxOccurs="1" minOccurs="0" name="LglCorpNm" type="Max99Text"/>
            <xs:element maxOccurs="1" minOccurs="0" name="Adr" type="Address4"/>
            <xs:element maxOccurs="unbounded" minOccurs="0" name="PrvtData" type="ATICALaxProcessing"/>
            <xs:element maxOccurs="unbounded" minOccurs="0" name="NtlData" type="ATICALaxProcessing"/>
            <xs:element maxOccurs="unbounded" minOccurs="0" name="LclData" type="LocalData20"/>
        </xs:sequence>
    </xs:complexType>
    <xs:simpleType name="PhoneNumber">
        <xs:restriction base="xs:string">
            <xs:pattern value="\+[0-9]{1,3}-[0-9()+\-]{1,30}"/>
        </xs:restriction>
    </xs:simpleType>
    <xs:complexType name="ProgrammeMode6">
        <xs:sequence>
            <xs:element maxOccurs="unbounded" minOccurs="0" name="PropsdId" type="Max35Text"/>
            <xs:element name="ApldId" type="Max35Text"/>
            <xs:element maxOccurs="unbounded" minOccurs="0" name="PrvtData" type="ATICALaxProcessing"/>
            <xs:element maxOccurs="unbounded" minOccurs="0" name="NtlData" type="ATICALaxProcessing"/>
        </xs:sequence>
    </xs:complexType>
    <xs:simpleType name="ProtectionMethod2Code">
        <xs:restriction base="xs:string">
            <xs:enumeration value="SELM"/>
            <xs:enumeration value="SNCL"/>
            <xs:enumeration value="SOFT"/>
            <xs:enumeration value="TEEN"/>
            <xs:enumeration value="TPMD"/>
            <xs:enumeration value="VTEE"/>
        </xs:restriction>
    </xs:simpleType>
    <xs:complexType name="ReceiverData1">
        <xs:sequence>
            <xs:element name="Id" type="Max11NumericText"/>
            <xs:element maxOccurs="1" minOccurs="0" name="BizId" type="Max15AlphaNumericText"/>
            <xs:element maxOccurs="1" minOccurs="0" name="Ctry" type="ISO3NumericCountryCode"/>
            <xs:element maxOccurs="1" minOccurs="0" name="BizNm" type="Max35Text"/>
            <xs:element maxOccurs="1" minOccurs="0" name="LglCorpNm" type="Max99Text"/>
            <xs:element maxOccurs="1" minOccurs="0" name="Adr" type="Address4"/>
            <xs:element maxOccurs="unbounded" minOccurs="0" name="PrvtData" type="ATICALaxProcessing"/>
            <xs:element maxOccurs="unbounded" minOccurs="0" name="NtlData" type="ATICALaxProcessing"/>
            <xs:element maxOccurs="unbounded" minOccurs="0" name="LclData" type="LocalData20"/>
        </xs:sequence>
    </xs:complexType>
    <xs:complexType name="Reconciliation5">
        <xs:sequence>
            <xs:element maxOccurs="1" minOccurs="0" name="Id" type="Max50Text"/>
            <xs:element maxOccurs="1" minOccurs="0" name="Dt" type="ISODate"/>
            <xs:element maxOccurs="1" minOccurs="0" name="ChckptRef" type="Max35Text"/>
        </xs:sequence>
    </xs:complexType>
    <xs:complexType name="ReportedFraud7">
        <xs:sequence>
            <xs:element name="Tp" type="FraudType2Code"/>
            <xs:element name="Actn" type="FraudReportingAction2Code"/>
            <xs:element name="RptgNtty" type="ATICAPartyType1Code"/>
            <xs:element maxOccurs="1" minOccurs="0" name="SubmitrCaseRef" type="Max35Text"/>
            <xs:element maxOccurs="1" minOccurs="0" name="CaseRef" type="Max35Text"/>
        </xs:sequence>
    </xs:complexType>
    <xs:complexType name="SenderData1">
        <xs:sequence>
            <xs:element name="Id" type="Max11NumericText"/>
            <xs:element maxOccurs="1" minOccurs="0" name="BizId" type="Max15AlphaNumericText"/>
            <xs:element maxOccurs="1" minOccurs="0" name="Ctry" type="ISO3NumericCountryCode"/>
            <xs:element maxOccurs="1" minOccurs="0" name="BizNm" type="Max35Text"/>
            <xs:element maxOccurs="1" minOccurs="0" name="LglCorpNm" type="Max99Text"/>
            <xs:element maxOccurs="1" minOccurs="0" name="Adr" type="Address4"/>
            <xs:element maxOccurs="unbounded" minOccurs="0" name="PrvtData" type="ATICALaxProcessing"/>
            <xs:element maxOccurs="unbounded" minOccurs="0" name="NtlData" type="ATICALaxProcessing"/>
            <xs:element maxOccurs="unbounded" minOccurs="0" name="LclData" type="LocalData20"/>
        </xs:sequence>
    </xs:complexType>
    <xs:complexType name="SettlementService7">
        <xs:sequence>
            <xs:element maxOccurs="1" minOccurs="0" name="PropsdTp" type="Max35Text"/>
            <xs:element maxOccurs="1" minOccurs="0" name="PropsdId" type="Max35Text"/>
            <xs:element maxOccurs="1" minOccurs="0" name="Tp" type="Max35Text"/>
            <xs:element maxOccurs="1" minOccurs="0" name="Id" type="Max35Text"/>
            <xs:element maxOccurs="1" minOccurs="0" name="DfrrdDt" type="ISODate"/>
            <xs:element maxOccurs="1" minOccurs="0" name="Dt" type="ISODate"/>
            <xs:element maxOccurs="1" minOccurs="0" name="Tm" type="ISOTime"/>
            <xs:element maxOccurs="1" minOccurs="0" name="Prd" type="Max35Text"/>
            <xs:element maxOccurs="1" minOccurs="0" name="CutOffTm" type="ISODateTime"/>
            <xs:element maxOccurs="1" minOccurs="0" name="RptgNttyTp" type="Max35Text"/>
            <xs:element maxOccurs="1" minOccurs="0" name="RptgNttyId" type="Max35Text"/>
            <xs:element maxOccurs="unbounded" minOccurs="0" name="PrvtData" type="ATICALaxProcessing"/>
            <xs:element maxOccurs="unbounded" minOccurs="0" name="NtlData" type="ATICALaxProcessing"/>
        </xs:sequence>
    </xs:complexType>
    <xs:simpleType name="StorageLocation2Code">
        <xs:restriction base="xs:string">
            <xs:enumeration value="CAWL"/>
            <xs:enumeration value="DVCE"/>
            <xs:enumeration value="ISWL"/>
            <xs:enumeration value="ONFL"/>
            <xs:enumeration value="TPWL"/>
        </xs:restriction>
    </xs:simpleType>
    <xs:complexType name="Token4">
        <xs:sequence>
            <xs:element maxOccurs="1" minOccurs="0" name="PmtTkn" type="Max19NumericText"/>
            <xs:element maxOccurs="1" minOccurs="0" name="TknXpryDt" type="ISOYearMonth"/>
            <xs:element maxOccurs="1" minOccurs="0" name="TknRqstrId" type="Max11NumericText"/>
            <xs:element maxOccurs="1" minOccurs="0" name="TknAssrncData" type="Max140Text"/>
            <xs:element maxOccurs="1" minOccurs="0" name="TknAssrncMtd" type="Max2NumericText"/>
            <xs:element maxOccurs="1" minOccurs="0" name="TknRefId" type="Max35Text"/>
        </xs:sequence>
    </xs:complexType>
    <xs:complexType name="Token5">
        <xs:sequence>
            <xs:element maxOccurs="1" minOccurs="0" name="PmtTkn" type="Max19NumericText"/>
            <xs:element maxOccurs="1" minOccurs="0" name="TknTp" type="Max3Text"/>
            <xs:element maxOccurs="1" minOccurs="0" name="TknXpryDt" type="ISOYearMonth"/>
            <xs:element maxOccurs="1" minOccurs="0" name="TknRqstrId" type="Max11NumericText"/>
            <xs:element maxOccurs="1" minOccurs="0" name="TknAssrncData" type="Max140Text"/>
            <xs:element maxOccurs="1" minOccurs="0" name="TknAssrncMtd" type="Max2NumericText"/>
            <xs:element maxOccurs="1" minOccurs="0" name="TknRefId" type="Max35Text"/>
            <xs:element maxOccurs="1" minOccurs="0" name="TknInittdInd" type="TrueFalseIndicator"/>
            <xs:element maxOccurs="1" minOccurs="0" name="StorgLctn" type="StorageLocation2Code"/>
            <xs:element maxOccurs="1" minOccurs="0" name="PrtcnMtd" type="ProtectionMethod2Code"/>
            <xs:element maxOccurs="1" minOccurs="0" name="NonPmt" type="TrueFalseIndicator"/>
            <xs:element maxOccurs="1" minOccurs="0" name="TknRqstrNm" type="Max70Text"/>
            <xs:element maxOccurs="1" minOccurs="0" name="UpdtdChanl" type="Max35Text"/>
            <xs:element maxOccurs="1" minOccurs="0" name="Sts" type="Max35Text"/>
            <xs:element maxOccurs="1" minOccurs="0" name="TknActvtnDtTm" type="ISODateTime"/>
            <xs:element maxOccurs="1" minOccurs="0" name="OrgnlTkn" type="Token4"/>
            <xs:element maxOccurs="unbounded" minOccurs="0" name="PrvtData" type="ATICALaxProcessing"/>
            <xs:element maxOccurs="unbounded" minOccurs="0" name="NtlData" type="ATICALaxProcessing"/>
        </xs:sequence>
    </xs:complexType>
    <xs:simpleType name="TrueFalseIndicator">
        <xs:restriction base="xs:boolean"/>
    </xs:simpleType>
</xs:schema>
