pain.001 Generator | SEPA Credit Transfer XML - Bank-Statement-Conversion
Bank payment file generator

pain.001 Generator | SEPA Credit Transfer XML

Generate ISO 20022 pain.001 SEPA credit transfer XML from spreadsheet payment data.

CSV or Excel
Upload payment rows from spreadsheets your team already uses.
Mapped columns
Auto-detect common headers or override each field manually.
Bank format
Download ACH, CPA005, SEPA, BACS, ABA, or NZ payment files.
Structure validationMasked bank detailsCSV/XLS/XLSX input
SEPA pain.001 XML · Structure validation

Upload CSV or Excel

Map your recipient columns, enter originator details, validate, and download through the existing conversion flow.

Account
Guest
Output
SEPA pain.001 XML
Upload CSV or ExcelCSV, XLS, and XLSX files are supported.
CSV XLS XLSX
Leave mapping fields blank to let us infer columns from your headers.
SEPA pain.001 XML setup
Enter the originator fields your bank assigned to you.
Column mapping
Auto-detect normal headers, or map custom spreadsheets manually.
Auto-detect is on
We will infer payee, amount, date, reference, and bank account columns from your headers.
Review confirmation
I confirm the originator details are accurate and this file will be reviewed with the bank before production upload.
Standard-format payment files

From spreadsheet to bank review file

Upload payment rows, confirm the bank setup fields, validate the structure, then download through the same conversion and credit flow.

Masked previewExisting pricingToken downloads
1

Upload a payment spreadsheet

Start with a CSV or Excel file containing payee names, payment amounts, dates, references, and bank account details.

2

Map fields and validate

Confirm originator details, map recipient columns, and let the generator check account identifiers, dates, totals, and required fields.

3

Download for bank review

Generate a standard-format payment file and review it with your bank before sending live payroll, vendor, rent, or payout batches.

SEPA pain.001 XML

SEPA pain.001 XML from CSV or Excel

Generate ISO 20022 SEPA credit transfer XML for European bank upload workflows. The generator checks IBANs, payment information IDs, transaction counts, control sums, payment dates, and XML structure.

Required input columns
Payee name columnAmount columnPayment date columnReference columnIBAN columnBIC column
Bank-readiness checks

Validation before download

Before download
IBAN checksum validation
pain.001 XML structure
Message and payment information IDs
Transaction count and control sum
EUR credit transfer fields
Payment date checks

Validation before download

We check source rows and generated files for required columns, identifiers, dates, totals, record lengths, and common structural issues before creating the download.

Qualified bank-ready output

Nacha, Payments Canada, EPC/SEPA, Bacs/Pay.UK, QuickBooks, and bank names are trademarks of their owners. This tool is not affiliated with those organizations. Always confirm file requirements with your bank.

Run a test file first

For first-time setups, submit a small test file to your bank or confirm the generated layout with your bank implementation team before sending production payments.

Common questions

Payment file generator FAQ

What SEPA XML format does this create?

The generator creates SEPA pain.001 credit transfer XML for bank upload review, with IBAN, control sum, transaction count, and XML structure checks.

Does this support SEPA direct debit?

SEPA direct debit pain.008 is a follow-up. This page focuses on pain.001 credit transfer files.

Can I upload Excel for SEPA XML?

Yes. CSV, XLS, and XLSX files are supported as input for SEPA XML generation.

Related payment file tools

Bank Payment File ValidatorFree validator for generated payment filesNACHA / ACHUS ACH payment filesCanadian EFT / CPA005Canadian EFT filesSEPA pain.001 XMLEurope pain.001 XMLUK BACSUK payment filesAustralia ABAAustralia Direct EntryNew Zealand payment fileNZ bank templates