===== VERIFICATION FAILED 2026-07-15 16:10:45 =====
===== HMAC SOURCE (00 + 55) =====
00|20260703|UAT12345
55|MYR|20216215347357|2026-07-20|200.00|Direct Debit for Acc No. 8172828381111|8172828381111|JOHN TERRY|182797686938323412
55|MYRS|20216215347154|2026-07-20|20.00|Direct Debit for Acc No. 8172828383333|8172828383333|JANE DOE|1827976869383123948

===== EXPECTED HMAC (99) =====
585a2d7238c63387e9fb494bf330391381ea554853ad8263f96e20fadb2a32f4
===== CALCULATED HMAC =====
3a2259fd4d1536de1beeb840919ef9359fb96ed2fe68f934ea7587d8619202ef