cvc-elt.1: Cannot find the declaration of element 'Document'

[PauloPhagula]

Hi,

I work for a company which been using the library to generate CreditTransfer SEPA files for some years now (so thanks 🙇🏾 a lot library ), but recently we hit a snag with an Italian bank, which fails to process the SEPA file with the error cvc-elt.1: Cannot find the declaration of element 'Document'.

The SEPA file in question does have the Document element, and validates against the XSD schema (pain.001.001.03.xsd) for it. But in searching for the error in the internet it seems to be a common error. In fact, I was able to see a similar error by simply opening the file with a VSCode while having installed the XML extension from Red Hat

In trying to troubleshoot the issue I found this article https://knowledge.xmldation.com/support/validator/cvc-elt-1 which aludes to the fact that schemas might play a role. So removing the xsi:schemaLocation attribute from Document element seems to stop the error from showing, at least in VS Code.

Questions:

1. Have you seen such an error and how did you fix it?
2. I've looked at the sample SEPA files from Oracle, Goldman Sachs, and the php-sepa-xml library, and none of them specify the xsi:schemaLocation. So is this property really needed?
3. The generated SEPA file and the sample file in this repo have a Document element whose schema location property reads: xsi:schemaLocation="urn:iso:std:iso:20022:tech:xsd:pain.001.001.03 pain.001.001.03.xsd". Should that space be there? Doesn't it contribute to an error during validation?

Thanks