<xsd:complexType name="BillerPayInfo_Type"> <xsd:sequence> <xsd:element ref="PmtInst" minOccurs="0" maxOccurs="unbounded" /> <xsd:element ref="DaysToEPost" minOccurs="0" /> <xsd:element ref="PrenoteReqd" minOccurs="0" /> </xsd:sequence> </xsd:complexType>