--- /dev/null	Thu Jan 01 00:00:00 1970 +0000
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+      <tspan x="355.961" y="140.363">Phase 2</tspan>
+      <tspan x="355.961" y="156.363">Payee gets paid</tspan>
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+      <tspan x="599.895" y="132.363">Phase 3</tspan>
+      <tspan x="599.895" y="148.363">Payer receives </tspan>
+      <tspan x="599.895" y="164.363">receipt/goods/service</tspan>
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+      <tspan x="105.327" y="140.363">Phase 1</tspan>
+      <tspan x="105.327" y="156.363">Payer initiates Payment</tspan>
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+      <tspan x="356.074" y="266.702">Exceptions</tspan>
+      <tspan x="356.074" y="282.702">Insufficient funds, Regulatory block, etc.</tspan>
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