PHP class to create German SEPA files (XML) for credit transfer and direct debit
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Updated
May 8, 2026 - PHP
PHP class to create German SEPA files (XML) for credit transfer and direct debit
A very simple web tool which takes a SEPA XML and prints out the relevant values (amount, IBAN, purpose and reference)
Validate SEPA XML files (pain.001, pain.008) against ISO 20022 standard. Python, zero dependencies.
Annotated ISO 20022 XML examples: SEPA Credit Transfer (pain.001), Direct Debit (pain.008), SWIFT MT103. Free validation tool at https://iso20022generator.com
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