README

SEPA / ISO20022 file generator for PHP.

Creates XML files for the Single Euro Payments Area (SEPA) Credit Transfer and Direct Debit Payments Initiation messages. These SEPA XML messages are a subset of the "ISO20022 Universal financial industry message scheme".

License: GNU Lesser General Public License v3.0

The versions of the ISO20022 standard supported are:

• For Credit Transfers:
  • pain.001.001.03
  • pain.001.001.04
  • pain.001.001.05
  • pain.001.001.06
  • pain.001.001.07
  • pain.001.001.08
  • pain.001.001.09 (The minimum version recommended)
  • pain.001.001.11
  • pain.001.001.12
  • Credit Transfer Variants:
    • pain.001.002.03 (STPCreditTransferInitiationV03)
    • pain.001.003.03 (EUSTPCreditTransferInitiationV03)
• For Direct Debits:
  • pain.008.001.02
  • pain.008.001.03
  • pain.008.001.04
  • pain.008.001.05
  • pain.008.001.06
  • pain.008.001.07
  • pain.008.001.08 (The minimum version recommended)
  • pain.008.001.10
  • pain.008.001.11
  • Direct Debit Variants:
    • pain.008.002.02
    • pain.008.003.02

We do not claim 100% support of those formats but the files produced by this library are validated against the official XSDs and they pass the validation. I you're missing a field or two please submit a PR. The library accepts a custom ISO20022 format so in theory you can use any of the versions in between the ones on the officially supported list.

Institutions that should accept these formats:

• Any bank that is part of the SEPA network and works with the ISO20022 standard

Institutions that are confirmed to accept these formats:

• Deutsche Kreditwirtschaft
• Fédération bancaire française
• ING (tested on direct credit, use pain.001.001.03)
• Commerzbank (tested on Credit Transfer, use pain.001.001.03)
• Spain: CaixaBank
• Spain: SantanderBank
• Netherlands: direct-debit (pain.008.001.02) at RABO-bank (thanks @rodekker)
• Austria: Raiffeisenbank direct-debit (pain.008.001.08) 2025-10-29
• Austria: Volksbank direct-debit (pain.008.001.08) 2025-10-29

Always verify generated files with your bank before using in production! If you encounter an institution that does accept this library's generated files please notify us to add it to the list or send a PR!

Installation

Composer

This library is available in packagist.org as digitick/sepa-xml, you can add it to your project via Composer:

composer require digitick/sepa-xml

Please note that the library still carries it's original name (namely digitick/sepa-xml) as we don't want to confuse people. The latest versions are developed by the php-sepa-xml community and the packagist alias (digitick/sepa-xml) points here. In the near future we may switch to php-sepa-xml/php-sepa-xml as that is already the official package name.

Documentation

Check out our docs at:

• handling Direct Debits
• handling Credit Transfers
• handling string sanitization

ISO20022 Message Names

ISO20022 messages follow a specific naming convention which can be denoted to the following pattern: MessageType.MessageSubType.MessageVariant.MessageVersion

For e.g. pain.001.001.12 should be decoded as:

• MessageType: 'PAIN' - Payments Initiation
• MessageSubType: '001' - CustomerCreditTransferInitiation
• MessageVariant: '001'
• MessageVersion: '12'

Development

Want to contribute? Please check out our Dev docs

Any Questions?

Feel free to open an issue. We will try to reply to the best of our knowledge.

External Resources

• Official ISO20022 Website
• ISO20022 Message Catalog
• ISO 20022 in XMLdation's wiki
• InstdAmt vs. EqvtAmt
• CreditorIdentifier explanation
• SEPA Externded Character Set reference
• ECB SEPA gateway page
• SEPA for Corporates Blog