SEPA XML Generator & IBAN Validator (pain.001 & pain.008)

SEPA XML Generator & IBAN Validator (pain.001 & pain.008 ISO 20022)

Instantly convert CSV spreadsheets, Excel pastes, or JSON arrays into bank-compliant ISO 20022 SEPA XML files for Bulk Credit Transfers (Payroll & Supplier Payouts) and SEPA Direct Debits (Recurring Subscriptions, Memberships & Invoices).

Built for 2026 European Payments Council (EPC) structured address rules (pain.001.001.09 & pain.008.001.08) while maintaining full backward compatibility with classic bank portals (pain.001.001.03 & pain.008.001.02).

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Why Businesses, Accountants & Automation Builders Use This Tool

1. 4 Official ISO 20022 Schemas Included:
   • pain.001.001.09 — SEPA Credit Transfer (2026 EPC Structured Postal Address Standard)
   • pain.001.001.03 — SEPA Credit Transfer (Classic Universal Bank Format)
   • pain.008.001.08 — SEPA Direct Debit (2026 EPC Structured Postal Address Standard)
   • pain.008.001.02 — SEPA Direct Debit (Classic CORE & B2B Direct Debit)
2. Mathematical IBAN & BIC Verification Before Bank Upload:
   • Verifies every IBAN across 40+ SEPA / EEA / UK / Swiss countries using ISO 13616 MOD-97 checksum arithmetic and country length rules.
   • Verifies ISO 9362 BIC/SWIFT codes (8 or 11 characters) or automatically emits <Othr><Id>NOTPROVIDED</Id></Othr> for IBAN-only EEA transfers.
3. Zero Floating-Point Rounding Errors:
   • Calculates header and batch <CtrlSum> totals in exact integer cents and supports both standard (1250.50) and European (1.250,50) number formats.
4. Automatic SEPA Character Transliteration:
   • Prevents #1 bank batch rejections by automatically converting accented/special characters (Müller & Söhne → Mueller + Soehne, Élodie → Elodie) into strict EPC-allowed Latin characters, with full audit warnings.
5. Ready for n8n, Make.com, Zapier, REST API & MCP AI Agents:
   • Outputs both a direct downloadable .xml file URL (SEPA_PAYMENT_BATCH.xml) and inline XML + JSON validation summaries.

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Quick Example Input (JSON)

{
  "schema": "pain.001.001.09",
  "initiatingPartyName": "Acme Europe GmbH",
  "initiatingPartyIban": "DE89370400440532013000",
  "initiatingPartyBic": "COBADEFFXXX",
  "initiatingPartyCountry": "DE",
  "initiatingPartyCity": "Berlin",
  "executionDate": "2026-11-15",
  "transactions": [
    {
      "name": "Müller & Söhne KG",
      "iban": "DE89370400440532013000",
      "amount": "1250.50",
      "remittanceInfo": "Invoice INV-2026-001",
      "country": "DE",
      "city": "Munich"
    }
  ]
}

Quick Example Input (CSV / Semicolon Excel Export)

name;iban;bic;amount;reference;country;city
Müller & Söhne KG;DE89370400440532013000;COBADEFFXXX;1.250,50;Invoice INV-2026-001;DE;Munich
Élodie Lefèvre SARL;FR7630006000011234567890189;BNPAFRPPXXX;849,95;Facture 2026-104;FR;Paris

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Supported European & SEPA Banks

Compatible with standard SEPA XML bulk upload portals across Deutsche Bank, Commerzbank, Sparkasse, BNP Paribas, Société Générale, ING, Rabobank, ABN AMRO, Santander, BBVA, UniCredit, Intesa Sanpaolo, Revolut Business, Wise Business, Qonto, N26 Business, PostFinance, UBS, and ZKB.

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Companion Financial Automation Tools by FinOps Studio

• Interactive Web Hub & Free 3-Row Preview — Browser-local preview & ready-to-import n8n workflows
• ISO 20022 pain.002 Bank Status & Rejection Decoder — Translate Bank Rejection Codes (AC04, AM04, BE04) to Plain English
• EU E-Invoice XML Generator (Peppol, XRechnung & Factur-X) — Mandatory 2026 EN 16931 European E-Invoices
• German DATEV Buchungsstapel CSV Generator — DATEV EXTF v700 Export (SKR03 / SKR04) for Steuerberater
• US NACHA ACH File Generator & Parser — 94-Char US Direct Deposit & Vendor ACH Batches
• Corporate BAI2 Bank Statement Parser — US Treasury Cash-Management Statements to JSON/CSV
• Australian ABA Direct Entry File Generator — 120-Char Australian BECS .aba Bank Files

Disclaimer: This software is a technical file-formatting and mathematical checksum validation utility provided "as-is", not financial, accounting, or legal advice. Always verify recipient IBANs, control sums, and execution dates inside your banking portal before authorizing any payment batch.