Introduction

We currently support batch payments submitted in the SEPA Credit Transfer XML format (ISO 20022 pain.001.001.03). This is a widely accepted standard for payments in Europe.

Requirements and Restrictions

• File Extension: Files must have the .xml extension.
• Maximum File Size: The maximum file size is 20 MB.
• Character set: The file must use UTF-8 encoding.
  • The field values must be limited to latin characters, digits, and some special symbols:
    • a b c d e f g h i j k l m n o p q r s t u v w x y z
    • A B C D E F G H I J K L M N O P Q R S T U V W X Y Z
    • 0 1 2 3 4 5 6 7 8 9
    • / - ? : ( ) . , ' +
    • Space
  • References, identifications and identifiers must respect the following:
    • Content is restricted to the Latin character set as defined above
    • Content must not start or end with a ‘/’
    • Content must not contain ‘//’s

Instructions for Manual SEPA XML File Creation

Please refer to the official ISO 20022 repository (see pain, specifically pain.001.001.*) for download materials or use their online Data Dictionary Explorer.

Please note that the generated file must always adhere to the xsd schema (see direct download below). Feel free to use any online validator against your generated xml file.

pain.001.001.03.xsd

File Example with Comments

<?xml version="1.0" encoding="UTF-8"?>
<Document xmlns="urn:iso:std:iso:20022:tech:xsd:pain.001.001.03" xmlns:xsi="<http://www.w3.org/2001/XMLSchema-instance>">
	<CstmrCdtTrfInitn>
		<GrpHdr>
			<MsgId>PP2022091219A145</MsgId> <!-- **Unique** -->
			<CreDtTm>2025-03-15T09:42:36</CreDtTm> <!-- **Date** -->
			<NbOfTxs>2</NbOfTxs> <!-- **Number of transactions** -->
			<CtrlSum>2022.94</CtrlSum> <!-- **Control sum** -->
			<InitgPty>
			  <!-- **Initiating party name (your company title)** -->
				<Nm>Three Pigs Limited</Nm>
			</InitgPty>
		</GrpHdr>
		
		<!-- **Each payment in its own tag below:** -->
		<PmtInf>
			<PmtInfId>PP2022091219A145Tr1</PmtInfId> <!-- **Unique** -->
			<PmtMtd>TRF</PmtMtd> <!-- **TRF = CreditTransfer** -->
			<ReqdExctnDt>2025-03-15</ReqdExctnDt>
			<Dbtr>
			  <!-- **Initiating party name (your company title)** /-->
				<Nm>Three Pigs Limited</Nm>
			</Dbtr>
			<DbtrAcct>
				<Id>
					<!-- **Initiating party (your) IBAN** /-->
					<IBAN>LT383570020000002493</IBAN>
				</Id>
			</DbtrAcct>
			<DbtrAgt>
				<FinInstnId>
				  <!-- **Initiating Party BIC – always VIALET. Required** /-->
					<BIC>VIPULT22XXX</BIC>
				</FinInstnId>
			</DbtrAgt>
			<CdtTrfTxInf>
				<PmtId>
				  <!-- **Unique for every payment (in your account):** -->
					<InstrId>ident046</InstrId>
					<!-- **End to end identification, will be passed to the recipient:** -->
					<EndToEndId>ident046</EndToEndId>
				</PmtId>
				<Amt>
					<InstdAmt Ccy="EUR">10.12</InstdAmt>
				</Amt>
				<Cdtr>
				  <!-- **Name of the recipient:** -->
					<Nm>Wolf and Co</Nm>
				</Cdtr>
				<CdtrAcct>
					<Id>
				    <!-- **Recipient's account number:** -->
						<IBAN>LT153570020000002519</IBAN>
					</Id>
				</CdtrAcct>
				<RmtInf>
				  <!-- **Payment details:** -->
					<Ustrd>Invoice No. H-123</Ustrd>
				</RmtInf>
			</CdtTrfTxInf>
		</PmtInf>
		
		<!-- **Another payment** -->
		<PmtInf>
			<PmtInfId>PP2022091219A145Tr2</PmtInfId> <!-- **Unique** -->
			<PmtMtd>TRF</PmtMtd> <!-- **TRF = CreditTransfer** -->
			<ReqdExctnDt>2025-03-15</ReqdExctnDt>
			<Dbtr>
			  <!-- **Initiating party name (your company title)** /-->
				<Nm>Three Pigs Limited</Nm>
			</Dbtr>
			<DbtrAcct>
				<Id>
					<!-- **Initiating party (your) IBAN** /-->
					<IBAN>LT383570020000002493</IBAN>
				</Id>
			</DbtrAcct>
			<DbtrAgt>
				<FinInstnId>
				  <!-- **Initiating Party BIC – always VIALET. Required** /-->
					<BIC>VIPULT22XXX</BIC>
				</FinInstnId>
			</DbtrAgt>
			<CdtTrfTxInf>
				<PmtId>
				  <!-- **Unique for every payment (in your account):** -->
					<InstrId>ident047</InstrId>
					<!-- **End to end identification, will be passed to the recipient:** -->
					<EndToEndId>ident047</EndToEndId>
				</PmtId>
				<Amt>
					<InstdAmt Ccy="EUR">2012.82</InstdAmt>
				</Amt>
				<Cdtr>
				  <!-- **Name of the recipient:** -->
					<Nm>Johnny Squirel</Nm>
				</Cdtr>
				<CdtrAcct>
					<Id>
				    <!-- **Recipient's account number:** -->
						<IBAN>LT133570020000002555</IBAN>
					</Id>
				</CdtrAcct>
				<RmtInf>
				  <!-- **Payment details:** -->
					<Ustrd>Salary for March</Ustrd>
				</RmtInf>
			</CdtTrfTxInf>
		</PmtInf>
	</CstmrCdtTrfInitn>
</Document>

Uniqueness Requirements

Make sure that MsgId for each file is unique. In case you’d use the same, the whole file would be rejected – this is done to avoid errors regarding duplicate file uploads.

Similarly, please ensure that PmtInfId and InstrId are unique (throughout all the payments, not limited to that single file).

Other References

If you prefer to use our Helper Excel Spreadsheet to create this file, please refer to a separate instruction manual.

Also see instructions on how to import and sign payments in our systems.