README

PHP library for parsing, validating and processing financial and banking file formats such as CAMT, MT (SWIFT), PAIN and DATEV-FORMATS.

Scope

This library provides structured building blocks for working with banking and financial file formats, including:

• ISO 20022 CAMT (camt.026-039, camt.052, camt.053, camt.054, camt.055, camt.056, camt.057-059, camt.087)
• SWIFT MT formats (MT940, MT941, MT942, MT101, MT103)
• SEPA PAIN formats (pain.001, pain.002, pain.007, pain.008, pain.009-014, pain.017, pain.018)
• DATEV accounting formats with dynamic version discovery (V700+)
• Strongly typed value objects and domain models
• Parsers, builders, generators and converters with clear responsibilities

Architecture

The library follows a layered architecture with shared abstractions:

src/
├── Builders/           # Fluent document builders (CAMT, MT, Pain, DATEV)
├── Contracts/          # Abstract base classes (Iso20022ParserAbstract, XmlParserAbstract)
├── Converters/         # Format converters (Camt053ToMt940, DATEV↔BankTransaction)
├── Entities/           # Immutable domain models
├── Enums/              # Typed enums with factory methods
├── Generators/         # XML/SWIFT output generators (CAMT, MT, Pain)
├── Helper/             # Validators and file handlers
├── Parsers/            # Document parsers (CamtParser, PainParser, Mt940DocumentParser)
├── Registries/         # DATEV version discovery
└── Traits/             # Reusable traits

Parser Hierarchy

All ISO 20022 parsers share a common base:

XmlParserAbstract (php-common-toolkit)
    └── Iso20022ParserAbstract
            ├── CamtParser
            └── PainParser

Usage Examples

Parsing CAMT.053 (Bank Statement)

use CommonToolkit\FinancialFormats\Parsers\CamtParser;

$document = CamtParser::parseFile('bank-statement.xml');

echo $document->getId();
echo $document->getAccountIdentifier();

foreach ($document->getEntries() as $transaction) {
    echo $transaction->getBookingDate()->format('Y-m-d');
    echo $transaction->getAmount();
    echo $transaction->getCreditDebit()->value;
}

Parsing MT940

use CommonToolkit\FinancialFormats\Parsers\Mt940DocumentParser;

$document = Mt940DocumentParser::fromFile('mt940.sta');

foreach ($document->getTransactions() as $tx) {
    echo $tx->getValutaDate()->format('Y-m-d');
    echo $tx->getAmount();
}

Converting CAMT.053 to MT940

use CommonToolkit\FinancialFormats\Converters\Banking\Camt053ToMt940Converter;

$mt940 = Camt053ToMt940Converter::convert($camt053Document);

Building a Pain.001 Document

use CommonToolkit\FinancialFormats\Builders\Pain\Pain001DocumentBuilder;

$builder = new Pain001DocumentBuilder();
$document = $builder
    ->setMessageId('MSG-001')
    ->setInitiatingPartyName('Company GmbH')
    ->addPayment(...)
    ->build();

Building a Pain.008 Direct Debit

use CommonToolkit\FinancialFormats\Builders\Pain\Pain008DocumentBuilder;
use CommonToolkit\FinancialFormats\Enums\SequenceType;

$document = Pain008DocumentBuilder::createSepaDirectDebit(
    messageId: 'DD-001',
    creditorName: 'Company GmbH',
    creditorIban: 'DE89370400440532013000',
    creditorBic: 'COBADEFFXXX',
    creditorSchemeId: 'DE98ZZZ09999999999',
    debtorName: 'Max Mustermann',
    debtorIban: 'DE91100000000123456789',
    amount: 100.00,
    mandateId: 'MANDATE-001',
    mandateDate: new DateTimeImmutable('2024-01-01'),
    reference: 'Rechnung 2024-001',
    sequenceType: SequenceType::FIRST
);

Building an MT101 Batch Payment

use CommonToolkit\FinancialFormats\Builders\Mt\Mt101DocumentBuilder;
use CommonToolkit\Enums\CurrencyCode;

$document = Mt101DocumentBuilder::create('BATCH-001')
    ->orderingCustomer('DE89370400440532013000', 'Company GmbH')
    ->requestedExecutionDate(new DateTimeImmutable('2025-03-15'))
    ->beginTransaction('TXN-001')
    ->amount(1000.00, CurrencyCode::Euro, new DateTimeImmutable('2025-03-15'))
    ->beneficiary('DE91100000000123456789', 'Max Mustermann')
    ->remittanceInfo('Payment for Invoice 2025-001')
    ->done()
    ->build();

Building an MT103 Single Transfer

use CommonToolkit\FinancialFormats\Builders\Mt\Mt103DocumentBuilder;

$document = Mt103DocumentBuilder::createSimple(
    sendersReference: 'REF-001',
    orderingAccount: 'DE89370400440532013000',
    orderingName: 'Company GmbH',
    beneficiaryAccount: 'DE91100000000123456789',
    beneficiaryName: 'Max Mustermann',
    amount: 1500.00,
    valueDate: new DateTimeImmutable('2025-03-15'),
    remittanceInfo: 'Payment for services'
);

Creating a DATEV Booking Batch

use CommonToolkit\FinancialFormats\Builders\DATEV\V700\BookingDocumentBuilder;
use CommonToolkit\Enums\CurrencyCode;

$builder = new BookingDocumentBuilder();
$document = $builder
    ->setConsultantNumber(12345)
    ->setClientNumber(1)
    ->setFiscalYearBegin(new DateTimeImmutable('2025-01-01'))
    ->setAccountLength(4)
    ->addBooking(
        amount: 1190.00,
        offsetAccount: 8400,
        bookingDate: new DateTimeImmutable('2025-01-15'),
        bookingText: 'Sales',
        account: 1200,
        currency: CurrencyCode::Euro
    )
    ->build();

DATEV Version Discovery

use CommonToolkit\FinancialFormats\Registries\DATEV\VersionDiscovery;
use CommonToolkit\FinancialFormats\Registries\DATEV\HeaderRegistry;
use CommonToolkit\FinancialFormats\Enums\DATEV\MetaFields\Format\Category;

// Get available versions
$versions = VersionDiscovery::getAvailableVersions(); // [700, ...]

// Check format support
if (VersionDiscovery::isFormatSupported(Category::Buchungsstapel, 700)) {
    $definition = HeaderRegistry::getFormatDefinition(Category::Buchungsstapel, 700);
}

Installation

composer require dschuppelius/php-financial-formats

Requirements

• PHP 8.1+
• dschuppelius/php-common-toolkit (installed automatically)

Supported Formats

DATEV Formats (V700+)

The system supports dynamic version detection for all DATEV formats. New versions are automatically detected.

License

This project is licensed under the GNU Affero General Public License v3.0 or later (AGPL-3.0-or-later).

What this means

• You may use, modify and distribute this software freely as long as you comply with the AGPL.
• If you run this software as a service (e.g. API, web application, SaaS) and make it accessible to third parties, you must provide the complete corresponding source code, including your modifications, to those users.
• Pure private or internal use without access by third parties does not trigger any publication obligation.

Commercial use

If you want to use this library in a proprietary, closed-source or commercial environment without fulfilling the AGPL obligations, a commercial license is required.

Please contact the author for commercial licensing terms.

Commercial License

A commercial license allows you to:

• Use this library in proprietary or closed-source software
• Integrate it into commercial products or SaaS platforms
• Avoid AGPL disclosure obligations
• Receive optional support or custom extensions (by agreement)

For commercial licensing inquiries, contact:

Daniel Joerg Schuppelius 📧 info@schuppelius.org