One % is enough.
Use official XSD file
Source: www.iso20022.org/documents/messages/pain/schemas/pain.001.001.03.zip
Use NVB-supplied example.

Source: http://www.betaalvereniging.nl/wp-uploads/2013/01/BvN-pain.001.001.03-example-message.xml
Proper XML declaration, encoding and indentation.
Switch order of Grpg and InitgPty.
is_test is not in the docs.
Grpg is not part of the standard.
Changed name/id order according to spec.
Comments!
No id(ea), please.
Disable optional and incorrect InstrId.
Remittance information is optional.

Also: it should not be empty.
Charge bearer is not allowed here.
The tests, they are passing! (German accent)