Resources

Sephpa project is not meant to teach you SEPA. If you want to learn more about SEPA or SEPA files, you should ask your bank for help. You use this library at your own risk and I assume no liability if anything goes wrong. You are supposed to check the files before handing them to your bank.

Below are some useful links to still get some insight on Payment initiation XML scheme generation process, file versions in use and the standards covering them.

ISO 20022

ISO 20022 is a multi part International Standard prepared by ISO Technical Committee TC68 Financial Services. It describes a common platform for the development of messages. It covers the standards behind XML schemas.

The standard defines Credit Transfer and Direct Debit Payment Initiation XML message structure and parameters – like pain.001.001.03 and pain.008.001.02 – currently the most used message versions.

• ISO 20022
• Catalogue of messages
• ISO 20022 Message Definitions
• Payments Initiation
• ISO 20022 Messages Archive
• Payments Initiation Archive

XMLdation Wiki

A lot of useful information and knowledge about financial XML messages.

• ISO 20022 financial standard
• Credit Transfer XML message format
• Direct Debit XML message format

EU Payment Council

The European Payments Council (EPC) is one voice for payment service providers (PSPs) on all European payment issues. Here you can find all the Rulebooks and Implementation guidelines.

• SEPA Credit Transfer
• SEPA Credit Transfer rulebook and implementation guidelines
• SEPA Direct Debit
• SEPA Direct Debit Core rulebook and implementation guidelines

Current file versions as of 5/2020

• 2019 SEPA Credit Transfer rulebook version 1.1
• SEPA Credit Transfer Scheme Customer-to-Bank Implementation Guidelines 2019 Version 1.0
• 2019 SEPA Direct Debit Core rulebook version 1.1
• SEPA Direct Debit Core Scheme Customer-to-Bank Implementation Guidelines 2019 Version 1.0