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Accounting Software

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SEPA Generator is a local-first desktop application for generating, validating and migrating SEPA XML payment files from CSV or Excel.

The free, open-source Community Edition supports SEPA Credit Transfer generation with built-in validation. SEPA Generator Pro adds Direct Debit CORE and B2B, detailed diagnostic reports, official XSD validation, validation and migration of existing XML files, reusable payment profiles and custom column mappings.

All payment-file processing takes place locally on the user’s computer. Payment data is never uploaded to a cloud service. The application is available for Windows, macOS and Linux.

SEPA Generator can be found in Accounting Software, Invoicing & Payment Processing, Core Banking Software categories.

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SEPA Generator Main Features

• XML migration
  Migrate supported older pain.001 and pain.008 message versions to newer formats.
• Direct Debit generation
  Pro supports pain.008 CORE and B2B collections with mandate and sequence information.
• Existing XML validation
  Validate SEPA XML created by an ERP, accounting tool or another application.
• Official XSD validation
  Generated files are automatically checked against the relevant bundled ISO 20022 schema.
• Professional validation
  Detect invalid IBANs, amounts, dates, identifiers, addresses and other payment-data issues.
• Credit Transfer generation
  Generate pain.001 SEPA Credit Transfer XML from CSV, XLS or XLSX files.
• Local and private processing
  Payment files remain on the computer and are not uploaded to a cloud service.
• Profiles and column mappings
  Pro supports reusable payment profiles and custom spreadsheet-column mappings.
• Actionable diagnostic reports
  Pro produces detailed HTML reports with row-level findings and correction guidance.
• Cross-platform desktop application
  Native packages are available for Windows, macOS and Debian/Ubuntu Linux.

SEPA Generator Benefits

• Reduce bank rejections
  Catch structural and business-data problems before uploading files to a bank.
• Understand errors quickly
  Clear diagnostics identify the affected row, field and suggested correction.
• Keep financial data private
  Payment information stays on the local computer.
• Reuse existing spreadsheets
  Import CSV, XLS and XLSX files without rebuilding payment data manually.
• Support modern SEPA formats
  Generate and migrate supported ISO 20022 pain message versions.
• Maintain deterministic control
  Warnings do not silently delete suspected duplicates or rewrite imported values.

Who should use SEPA Generator?

• Accountants
  Prepare and validate payment or collection batches from accounting exports.
• Associations
  Prepare recurring membership or contribution collections using SEPA Direct Debit.
• Finance teams
  Generate bank-ready SEPA XML and diagnose input errors before upload.
• Software and ERP teams
  Validate or migrate SEPA XML generated by internal systems.
• Treasury professionals
  Prepare Credit Transfer and Direct Debit files for banking workflows.

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