fds2610 · Oct 6, 2026
diff --git a/Tests/Unit/Integration/DKB/SendSEPARealtimeTransferTest.php b/Tests/Unit/Integration/DKB/SendSEPARealtimeTransferTest.php
@@ -0,0 +1,103 @@
+<?php
+
+namespace Fhp\Tests\Unit\Integration\DKB;
+
+use Fhp\Action\GetSEPARealtimeTransferStatus;
+use Fhp\Action\SendSEPARealtimeTransfer;
+use Fhp\Segment\IPS\HIIPSSv1;
+use Fhp\Syntax\Parser;
+
+class SendSEPARealtimeTransferTest extends DKBIntegrationTestBase
+{
+    // The XML payload. Its content does not matter here, only the namespace has to be supported by the bank.
+    public const PAIN_MESSAGE = '<?xml version="1.0" encoding="UTF-8"?><Document xmlns="urn:iso:std:iso:20022:tech:xsd:pain.001.001.03"><CstmrCdtTrfInitn/></Document>';
+
+    public const SEND_TRANSFER_RESPONSE = "HIRMG:3:2+0010::Nachricht entgegengenommen.'HIRMS:4:2:4+0030::Auftrag empfangen - Bitte die empfangene TAN eingeben.'HITAN:5:6:4+4++2472-12-07-21.27.57.456789+Bitte geben Sie die pushTAN ein.+++SomePhone1'";
+    public const SEND_TAN_REQUEST = "HNHBK:1:3+000000000425+300+FAKEDIALOGIDabcdefghijklmnopqr+3'HNVSK:998:3+PIN:2+998+1+1::FAKEKUNDENSYSTEMIDabcdefghij+1:20190102:030405+2:2:13:@8@00000000:5:1+280:12030000:test?@user:V:0:0+0'HNVSD:999:1+@206@HNSHK:2:4+PIN:2+921+9999999+1+1+1::FAKEKUNDENSYSTEMIDabcdefghij+1+1:20190102:030405+1:999:1+6:10:19+280:12030000:test?@user:S:0:0'HKTAN:3:6+2++++2472-12-07-21.27.57.456789+N'HNSHA:4:2+9999999++12345:666555''HNHBS:5:1+3'";
+    public const SEND_TAN_RESPONSE_EXECUTED = "HIRMG:3:2+0010::Nachricht entgegengenommen.'HIRMS:4:2:3+0020::Auftrag ausgeführt.'HITAN:5:6:3+2++2472-12-07-21.27.57.456789'HIIPZ:6:1:3+C6592DB8C24247C493F1B27377EC63DA++7'";
+    // Real-world response (comdirect, 2026-10-01) when the payee's bank did not answer in time.
+    public const SEND_TAN_RESPONSE_PENDING = "HIRMG:3:2+3060::Bitte beachten Sie die enthaltenen Warnungen/Hinweise.'HIRMS:4:2:3+3045::Wir haben leider noch keine Rückmeldung zum Status ihrer Überweisung.'HITAN:5:6:3+2++2472-12-07-21.27.57.456789'HIIPZ:6:1:3+C6592DB8C24247C493F1B27377EC63DA'";
+
+    public const STATUS_REQUEST = "HKIPS:3:1+DExxABCDEFGH1234567890:BYLADEM1001+urn?:iso?:std?:iso?:20022?:tech?:xsd?:pain.001.001.03+C6592DB8C24247C493F1B27377EC63DA'";
+    public const STATUS_RESPONSE_PENDING = "HIRMG:3:2+3060::Bitte beachten Sie die enthaltenen Warnungen/Hinweise.'HIRMS:4:2:3+3045::SEPA-Instant Payment Statusabfrage HKIPS erneut durchführen'";
+    public const STATUS_RESPONSE_EXECUTED = "HIRMG:3:2+0010::Nachricht entgegengenommen.'HIRMS:4:2:3+0020::Geld für den Empfänger verfügbar'HIIPS:5:1:3+DExxABCDEFGH1234567890:BYLADEM1001+++C6592DB8C24247C493F1B27377EC63DA++7'";
+
+    private static function getSendTransferRequest(): string
+    {
+        return 'HKIPZ:3:1+DExxABCDEFGH1234567890:BYLADEM1001+urn?:iso?:std?:iso?:20022?:tech?:xsd?:pain.001.001.03+@'
+            . strlen(self::PAIN_MESSAGE) . '@' . self::PAIN_MESSAGE . "'HKTAN:4:6+4+HKIPZ+++++++++SomePhone1'";
+    }
+
+    private function sendTransfer(string $tanResponse): SendSEPARealtimeTransfer
+    {
+        $this->expectMessage(self::getSendTransferRequest(), static::SEND_TRANSFER_RESPONSE);
+        $transfer = SendSEPARealtimeTransfer::create($this->getTestAccount(), static::PAIN_MESSAGE, false);
+        $this->fints->execute($transfer);
+        $this->assertTrue($transfer->needsTan());
+
+        $this->expectMessage(static::SEND_TAN_REQUEST, $tanResponse);
+        $this->fints->submitTan($transfer, '666555');
+        $this->assertTrue($transfer->isDone());
+        return $transfer;
+    }
+
+    /**
+     * @throws \Throwable
+     */
+    public function testExecuted(): void
+    {
+        $this->initDialog();
+        $transfer = $this->sendTransfer(static::SEND_TAN_RESPONSE_EXECUTED);
+
+        $this->assertFalse($transfer->isStatusPending());
+        $this->assertSame('C6592DB8C24247C493F1B27377EC63DA', $transfer->getOrderId());
+        $this->assertSame(7, $transfer->getStatus());
+    }
+
+    /**
+     * @throws \Throwable
+     */
+    public function testStatusPendingThenExecuted(): void
+    {
+        $this->initDialog();
+        $transfer = $this->sendTransfer(static::SEND_TAN_RESPONSE_PENDING);
+
+        $this->assertTrue($transfer->isStatusPending());
+        $this->assertSame('C6592DB8C24247C493F1B27377EC63DA', $transfer->getOrderId());
+        $this->assertNull($transfer->getStatus());
+        $this->assertSame(10, GetSEPARealtimeTransferStatus::getMinimumWaitingTime($this->fints->getBpd()));
+
+        // First status request: still no answer from the payee's bank.
+        $this->expectMessage(static::STATUS_REQUEST, static::STATUS_RESPONSE_PENDING);
+        $status = GetSEPARealtimeTransferStatus::create($this->getTestAccount(), $transfer->getOrderId(), 'urn:iso:std:iso:20022:tech:xsd:pain.001.001.03');
+        $this->fints->execute($status);
+        $this->assertFalse($status->needsTan());
+        $this->assertTrue($status->isStatusPending());
+        $this->assertNull($status->getStatus());
+        $this->assertFalse($status->isExecuted());
+
+        // Second status request: executed. The supported formats now come from the BPD.
+        $this->expectMessage(static::STATUS_REQUEST, static::STATUS_RESPONSE_EXECUTED);
+        $status = GetSEPARealtimeTransferStatus::create($this->getTestAccount(), $transfer->getOrderId());
+        $this->fints->execute($status);
+        $this->assertFalse($status->isStatusPending());
+        $this->assertSame(7, $status->getStatus());
+        $this->assertTrue($status->isExecuted());
+        $this->assertFalse($status->isFailed());
+    }
+
+    public function testParseBankParameters(): void
+    {
+        // Real-world BPD segments (comdirect and DKB, 2026-10).
+        /** @var HIIPSSv1 $comdirect */
+        $comdirect = Parser::detectAndParseSegment("HIIPSS:21:1:3+999+1+0+99:urn?:iso?:std?:iso?:20022?:tech?:xsd?:pain.001.001.09:urn?:iso?:std?:iso?:20022?:tech?:xsd?:pain.001.001.09.xsd'");
+        $this->assertInstanceOf(HIIPSSv1::class, $comdirect);
+        $this->assertSame(99, $comdirect->parameter->mindestwartezeit);
+        $this->assertSame(['urn:iso:std:iso:20022:tech:xsd:pain.001.001.09', 'urn:iso:std:iso:20022:tech:xsd:pain.001.001.09'], $comdirect->parameter->getUnterstuetzteSEPADatenformate());
+
+        /** @var HIIPSSv1 $dkb */
+        $dkb = Parser::detectAndParseSegment("HIIPSS:43:1:3+1+1+0+5'");
+        $this->assertSame(5, $dkb->parameter->mindestwartezeit);
+        $this->assertSame([], $dkb->parameter->getUnterstuetzteSEPADatenformate());
+    }
+}
diff --git a/src/Action/GetSEPARealtimeTransferStatus.php b/src/Action/GetSEPARealtimeTransferStatus.php
@@ -0,0 +1,179 @@
+<?php
+
+declare(strict_types=1);
+
+namespace Fhp\Action;
+
+use Fhp\BaseAction;
+use Fhp\Model\SEPAAccount;
+use Fhp\Protocol\BPD;
+use Fhp\Protocol\Message;
+use Fhp\Protocol\UPD;
+use Fhp\Segment\BaseSegment;
+use Fhp\Segment\Common\Kti;
+use Fhp\Segment\IPS\HIIPSSv1;
+use Fhp\Segment\IPS\HIIPSv1;
+use Fhp\Segment\IPS\HKIPSv1;
+use Fhp\Segment\IPS\UnterstuetzteSEPAPainMessages;
+use Fhp\Segment\SPA\HISPAS;
+
+/**
+ * Requests the status of a previously submitted SEPA instant payment (HKIPS).
+ *
+ * When the bank answers an instant payment ({@link SendSEPARealtimeTransfer}) with code 3045, the payee's bank has not
+ * confirmed the payment yet. This action asks for the final status. The bank may answer with 3045 again, in which case
+ * the status is still pending and the action can be executed again later. The bank announces how long a client should
+ * wait before asking, see {@link getMinimumWaitingTime()}.
+ */
+class GetSEPARealtimeTransferStatus extends BaseAction
+{
+    /** Status SEPA-Auftrag: Auftrag ausgeführt; Geld für den Zahlungsempfänger verfügbar. */
+    public const STATUS_EXECUTED = 7;
+    /** Status SEPA-Auftrag codes that mean the payment was rejected or failed. */
+    public const STATUS_FAILED = [2, 6, 8, 9];
+
+    // Request (if you add a field here, update __serialize() and __unserialize() as well).
+    private SEPAAccount $account;
+    private string $orderId;
+    private ?string $xmlSchema;
+
+    // Response
+    private bool $statusPending = false;
+    private ?int $status = null;
+    private ?int $sepaCCode = null;
+    private ?string $painMessage = null;
+
+    /**
+     * @param SEPAAccount $account The account from which the instant payment was sent.
+     * @param string $orderId The Auftragsidentifikation that the bank returned for the instant payment, see
+     *     {@link SendSEPARealtimeTransfer::getOrderId()}.
+     * @param string|null $xmlSchema The PAIN schema (XML namespace) of the original payment. If omitted, all formats
+     *     announced by the bank are listed as supported.
+     */
+    public static function create(SEPAAccount $account, string $orderId, ?string $xmlSchema = null): GetSEPARealtimeTransferStatus
+    {
+        $result = new GetSEPARealtimeTransferStatus();
+        $result->account = $account;
+        $result->orderId = $orderId;
+        $result->xmlSchema = $xmlSchema;
+        return $result;
+    }
+
+    /**
+     * @return int|null The minimum number of seconds the bank wants a client to wait before requesting the status,
+     *     or null if the bank does not support the status request at all.
+     */
+    public static function getMinimumWaitingTime(BPD $bpd): ?int
+    {
+        $hiipss = $bpd->getLatestSupportedParameters('HIIPSS');
+        return $hiipss instanceof HIIPSSv1 ? $hiipss->parameter->mindestwartezeit : null;
+    }
+
+    /** @return mixed[] */
+    public function __serialize(): array
+    {
+        return [
+            parent::__serialize(),
+            $this->account, $this->orderId, $this->xmlSchema,
+        ];
+    }
+
+    /** @param mixed[] $serialized */
+    public function __unserialize(array $serialized): void
+    {
+        list(
+            $parentSerialized,
+            $this->account, $this->orderId, $this->xmlSchema,
+        ) = $serialized;
+
+        is_array($parentSerialized) ?
+            parent::__unserialize($parentSerialized) :
+            parent::unserialize($parentSerialized);
+    }
+
+    protected function createRequest(BPD $bpd, ?UPD $upd)
+    {
+        /** @var BaseSegment&HISPAS $hispas */
+        $hispas = $bpd->requireLatestSupportedParameters('HISPAS');
+        /** @var HIIPSSv1 $hiipss */
+        $hiipss = $bpd->requireLatestSupportedParameters('HIIPSS');
+
+        if ($this->xmlSchema !== null) {
+            $schemas = [$this->xmlSchema];
+        } else {
+            $schemas = $hiipss->parameter->getUnterstuetzteSEPADatenformate();
+            if (count($schemas) === 0) {
+                $schemas = array_filter($hispas->getParameter()->getUnterstuetzteSEPADatenformate(), function ($schema) {
+                    return str_contains($schema, 'pain.001.');
+                });
+            }
+            $schemas = array_unique($schemas);
+        }
+
+        /** @var HKIPSv1 $hkips */
+        $hkips = $hiipss->createRequestSegment();
+        $hkips->kontoverbindungInternational = Kti::fromAccount(
+            $this->account,
+            $hispas->getParameter()->getNationaleKontoverbindungErlaubt()
+        );
+        $hkips->unterstuetzteSEPAPainMessages = UnterstuetzteSEPAPainMessages::create($schemas);
+        $hkips->auftragsidentifikation = $this->orderId;
+        return $hkips;
+    }
+
+    public function processResponse(Message $response): void
+    {
+        parent::processResponse($response);
+
+        // 3045: The bank has no final status yet, the request can be repeated later.
+        $this->statusPending = count($response->findRueckmeldungen(SendSEPARealtimeTransfer::CODE_STATUS_PENDING)) > 0;
+
+        /** @var HIIPSv1|null $hiips */
+        $hiips = $response->findSegment(HIIPSv1::class);
+        if ($hiips !== null) {
+            $this->status = $hiips->statusSepaAuftrag;
+            $this->sepaCCode = $hiips->sepaCCode;
+            $this->painMessage = $hiips->sepaPainMessage?->getData();
+        }
+    }
+
+    /** @return bool True if the bank still has no final status (code 3045); the request may be repeated later. */
+    public function isStatusPending(): bool
+    {
+        $this->ensureDone();
+        return $this->statusPending;
+    }
+
+    /** @return int|null The Status SEPA-Auftrag (1-9) as reported by the bank, see {@link \Fhp\Segment\IPZ\HIIPZv1}. */
+    public function getStatus(): ?int
+    {
+        $this->ensureDone();
+        return $this->status;
+    }
+
+    /** @return int|null The SEPA C-Code, if the payment was deleted (3) or recalled (4). */
+    public function getSepaCCode(): ?int
+    {
+        $this->ensureDone();
+        return $this->sepaCCode;
+    }
+
+    /** @return string|null The PAIN message of the payment, if the bank returned it. */
+    public function getPainMessage(): ?string
+    {
+        $this->ensureDone();
+        return $this->painMessage;
+    }
+
+    /** @return bool True if the bank reports the money as available to the payee. */
+    public function isExecuted(): bool
+    {
+        return $this->getStatus() === self::STATUS_EXECUTED;
+    }
+
+    /** @return bool True if the bank reports the payment as rejected or failed. */
+    public function isFailed(): bool
+    {
+        return in_array($this->getStatus(), self::STATUS_FAILED, true);
+    }
+}
diff --git a/src/Action/SendSEPARealtimeTransfer.php b/src/Action/SendSEPARealtimeTransfer.php
@@ -15,6 +15,7 @@
 use Fhp\Segment\HIRMS\Rueckmeldungscode;
 use Fhp\Segment\IPZ\HIIPZSv1;
 use Fhp\Segment\IPZ\HIIPZSv2;
+use Fhp\Segment\IPZ\HIIPZv1;
 use Fhp\Segment\IPZ\HKIPZv1;
 use Fhp\Segment\IPZ\HKIPZv2;
 use Fhp\Segment\SPA\HISPAS;
@@ -26,13 +27,19 @@
  */
 class SendSEPARealtimeTransfer extends BaseAction
 {
+    /** The payee's bank has not confirmed the payment yet; its status can be requested with HKIPS. */
+    public const CODE_STATUS_PENDING = 3045;
+
     // Request (if you add a field here, update __serialize() and __unserialize() as well).
     private SEPAAccount $account;
     private string $painMessage;
     private string $xmlSchema;
     private bool $allowConversionToSEPATransfer = true;
 
-    // There are no result fields. This action is simply marked as done to indicate that the transfer was executed.
+    // Response
+    private ?string $orderId = null;
+    private ?int $status = null;
+    private bool $statusPending = false;
 
     /**
      * @param SEPAAccount $account The account from which the transfer will be sent.
@@ -139,6 +146,20 @@ public function processResponse(Message $response)
     {
         parent::processResponse($response);
 
+        /** @var HIIPZv1|null $hiipz */
+        $hiipz = $response->findSegment(HIIPZv1::class);
+        if ($hiipz !== null) {
+            $this->orderId = $hiipz->auftragsidentifikation;
+            $this->status = $hiipz->statusSepaAuftrag;
+        }
+
+        // The bank accepted the order, but the payee's bank has not answered in time. The final status can be
+        // requested with GetSEPARealtimeTransferStatus.
+        if (count($response->findRueckmeldungen(self::CODE_STATUS_PENDING)) > 0) {
+            $this->statusPending = true;
+            return;
+        }
+
         // Was the instant payment converted to a regular transfer?
         $info = $response->findRueckmeldungen(3270);
         if (count($info) > 0) {
@@ -153,4 +174,28 @@ public function processResponse(Message $response)
             throw new UnexpectedResponseException('Bank did not confirm SEPATransfer execution');
         }
     }
+
+    /** @return string|null The Auftragsidentifikation assigned by the bank, needed to request the status later. */
+    public function getOrderId(): ?string
+    {
+        $this->ensureDone();
+        return $this->orderId;
+    }
+
+    /** @return int|null The Status SEPA-Auftrag (1-9) if the bank reported one, see {@link HIIPZv1}. */
+    public function getStatus(): ?int
+    {
+        $this->ensureDone();
+        return $this->status;
+    }
+
+    /**
+     * @return bool True if the bank accepted the order but could not report its final status yet (code 3045). Use
+     *     {@link GetSEPARealtimeTransferStatus} with {@link getOrderId()} to request it.
+     */
+    public function isStatusPending(): bool
+    {
+        $this->ensureDone();
+        return $this->statusPending;
+    }
 }
diff --git a/src/Segment/IPS/HIIPSSv1.php b/src/Segment/IPS/HIIPSSv1.php
@@ -0,0 +1,22 @@
+<?php
+
+namespace Fhp\Segment\IPS;
+
+use Fhp\Segment\BaseGeschaeftsvorfallparameter;
+use Fhp\Segment\BaseSegment;
+
+/**
+ * Segment: SEPA-Instant Payment Status Parameter (Version 1)
+ *
+ * @link https://www.hbci-zka.de/dokumente/spezifikation_deutsch/fintsv3/FinTS_3.0_Messages_Geschaeftsvorfaelle_2022-04-15_final_version.pdf
+ * Section: C.10.2.9.2 c)
+ */
+class HIIPSSv1 extends BaseGeschaeftsvorfallparameter
+{
+    public ParameterSEPAInstantPaymentStatusV1 $parameter;
+
+    public function createRequestSegment(): BaseSegment
+    {
+        return HKIPSv1::createEmpty();
+    }
+}