PHP class to create German SEPA files (XML) for credit transfer and direct debit
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Updated
Mar 4, 2026 - PHP
PHP class to create German SEPA files (XML) for credit transfer and direct debit
A very simple web tool which takes a SEPA XML and prints out the relevant values (amount, IBAN, purpose and reference)
Annotated ISO 20022 XML examples: SEPA Credit Transfer (pain.001), Direct Debit (pain.008), SWIFT MT103. Free validation tool at https://iso20022generator.com
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