FS FinOps Studio
pain.001.001.09pain.008.001.08IBAN MOD-972026 EPC Address Rule

2026 SEPA XML Generator & IBAN Checksum Validator (pain.001 & pain.008)

Generate bank-ready European bulk payouts & SEPA Direct Debits with mathematical IBAN MOD-97 verification, exact integer-cent CtrlSum, and automatic German/French diacritic sanitization.

Input Payload (JSON / BAI2 / XML — Editable) 100% Client-Side Browser Preview
Generated Bank File / Decoded Output READY

      
Bulk Batch Detected: Free browser preview processes the first 3 rows locally. Run unlimited 500+ row payroll/AP batches via cloud API! Run Unlimited Batch on Apify →
Bulk Cloud API, n8n & MCP →

Frequently Asked Questions

What changed in the 2026 SEPA XML pain.001.001.09 & pain.008.001.08 mandate?

European Payments Council (EPC) rulebooks require structured postal address elements ( and ) instead of legacy unstructured blocks. FinOps Studio generates both 2026 structured schemas and classic pain.001.001.03 / pain.008.001.02.

How do I automate Google Sheets or ERP rows to SEPA XML in n8n or Make?

Call POST https://api.apify.com/v2/acts/finops_studio~sepa-xml-generator/run-sync-get-dataset-items with your JSON or semicolon CSV payload to receive a validated SEPA_PAYMENT_BATCH.xml download link.

Complete 7-Tool Financial File Automation Suite

Zero-LLM deterministic engines with exact integer-cent math—built for CFOs, accounting firms, ERP integrators, and AI agents.