Generate and validate SEPA ISO 20022 XML (pain.001, pain.008) and SWIFT MT103 payment messages.
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Generate a SWIFT MT103 (Single Customer Credit Transfer) text message. Included in the business subscription only (monthly quota). Charges use the SWIFT :71A: codes SHA/BEN/OUR verbatim.
Field :71A: SWIFT charge codes — passed through verbatim, never converted to ISO ChargeBearer codes
Field :20: transaction reference (max 16 chars)
Ordering customer name (max 35 chars). Used only when ordering_bic is absent (field :50K:)
Max 35 characters; accents transliterated, SWIFT x-charset enforced
IBAN or account number — spaces and a leading "/" tolerated
IBAN or account number — spaces and a leading "/" tolerated
Field :70: remittance information (max 4x35)
BIC/SWIFT code (8 or 11 characters). When provided, field :50A: (account + BIC) is emitted and ordering_name/ordering_address are NOT included in the message
BIC/SWIFT code (8 or 11 characters, spaces tolerated)
BIC/SWIFT code (8 or 11 characters, spaces tolerated)
Up to 3 lines of 35 chars separated by \n. Used only when ordering_bic is absent (field :50K:)
Up to 3 lines of 35 characters, separated by \n
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Generate a SWIFT MT103 (Single Customer Credit Transfer) text message. Included in the business subscription only (monthly quota). Charges use the SWIFT :71A: codes SHA/BEN/OUR verbatim.
| Argument | Type | Description |
|---|---|---|
| amount* | number | |
| charges* | string | Field :71A: SWIFT charge codes — passed through verbatim, never converted to ISO ChargeBearer codes |
| currency* | string | |
| remittance | string | Field :70: remittance information (max 4x35) |
| sender_ref* | string | Field :20: transaction reference (max 16 chars) |
| value_date* | string | |
| ordering_bic | string | BIC/SWIFT code (8 or 11 characters). When provided, field :50A: (account + BIC) is emitted and ordering_name/ordering_address are NOT included in the message |
| ordering_name* | string | Ordering customer name (max 35 chars). Used only when ordering_bic is absent (field :50K:) |
| beneficiary_bic | string | BIC/SWIFT code (8 or 11 characters, spaces tolerated) |
| beneficiary_name* | string | Max 35 characters; accents transliterated, SWIFT x-charset enforced |
| intermediary_bic | string | BIC/SWIFT code (8 or 11 characters, spaces tolerated) |
| ordering_account* | string | IBAN or account number — spaces and a leading "/" tolerated |
| ordering_address | string | Up to 3 lines of 35 chars separated by \n. Used only when ordering_bic is absent (field :50K:) |
| beneficiary_account* | string | IBAN or account number — spaces and a leading "/" tolerated |
| beneficiary_address | string | Up to 3 lines of 35 characters, separated by \n |
{
"type": "object",
"required": [
"sender_ref",
"value_date",
"currency",
"amount",
"ordering_name",
"ordering_account",
"beneficiary_name",
"beneficiary_account",
"charges"
],
"properties": {
"amount": {
"type": "number",
"exclusiveMinimum": 0
},
"charges": {
"enum": [
"SHA",
"BEN",
"OUR"
],
"type": "string",
"description": "Field :71A: SWIFT charge codes — passed through verbatim, never converted to ISO ChargeBearer codes"
},
"currency": {
"type": "string"
},
"remittance": {
"type": "string",
"maxLength": 140,
"minLength": 1,
"description": "Field :70: remittance information (max 4x35)"
},
"sender_ref": {
"type": "string",
"maxLength": 16,
"minLength": 1,
"description": "Field :20: transaction reference (max 16 chars)"
},
"value_date": {
"type": "string",
"pattern": "^\\d{4}-\\d{2}-\\d{2}$"
},
"ordering_bic": {
"type": "string",
"minLength": 1,
"description": "BIC/SWIFT code (8 or 11 characters). When provided, field :50A: (account + BIC) is emitted and ordering_name/ordering_address are NOT included in the message"
},
"ordering_name": {
"type": "string",
"maxLength": 35,
"minLength": 1,
"description": "Ordering customer name (max 35 chars). Used only when ordering_bic is absent (field :50K:)"
},
"beneficiary_bic": {
"type": "string",
"minLength": 1,
"description": "BIC/SWIFT code (8 or 11 characters, spaces tolerated)"
},
"beneficiary_name": {
"type": "string",
"maxLength": 35,
"minLength": 1,
"description": "Max 35 characters; accents transliterated, SWIFT x-charset enforced"
},
"intermediary_bic": {
"type": "string",
"minLength": 1,
"description": "BIC/SWIFT code (8 or 11 characters, spaces tolerated)"
},
"ordering_account": {
"type": "string",
"description": "IBAN or account number — spaces and a leading \"/\" tolerated"
},
"ordering_address": {
"type": "string",
"minLength": 1,
"description": "Up to 3 lines of 35 chars separated by \\n. Used only when ordering_bic is absent (field :50K:)"
},
"beneficiary_account": {
"type": "string",
"description": "IBAN or account number — spaces and a leading \"/\" tolerated"
},
"beneficiary_address": {
"type": "string",
"minLength": 1,
"description": "Up to 3 lines of 35 characters, separated by \\n"
}
},
"additionalProperties": false
}Generate SEPA XML (pain.001 or pain.008) with XSD + business validation. Included in the multi and business subscriptions (monthly quota); demo callers are limited to 2 transactions per file. Party addresses are optional and structured only: street_name, building_number, post_code, town_name, country — town_name and country are required as soon as any address field is given (SEPA banks refuse unstructured addresses from November 2026). A party accepts no other key: address_lines, a nested address object, postal_code, city and the like are refused rather than ignored. In the 2009 versions (pain.001 001.03, pain.008 001.02) a structured address passes the ISO XSD but not the German DK profile GBIC_3, which admits only Ctry and AdrLine: for a German bank, omit the address there or use the format's 2019 version (see list_supported_versions).
No arguments.
{
"type": "object",
"anyOf": [
{
"type": "object",
"required": [
"format",
"version",
"initiating_party",
"debtor",
"requested_execution_date",
"transactions"
],
"properties": {
"debtor": {
"type": "object",
"required": [
"name",
"iban"
],
"properties": {
"bic": {
"type": "string",
"minLength": 1,
"description": "BIC/SWIFT code (8 or 11 characters, spaces tolerated)"
},
"iban": {
"type": "string",
"minLength": 1,
"description": "IBAN — spaces tolerated, checksum enforced"
},
"name": {
"type": "string",
"maxLength": 70,
"minLength": 1
},
"country": {
"type": "string",
"pattern": "^[A-Za-z]{2}$",
"description": "ISO 3166 two-letter country code — REQUIRED as soon as any address field is given"
},
"post_code": {
"type": "string",
"maxLength": 16,
"minLength": 1,
"description": "Post code (max 16 characters) — optional part of the address"
},
"town_name": {
"type": "string",
"maxLength": 35,
"minLength": 1,
"description": "Town name (max 35 characters) — REQUIRED as soon as any address field is given"
},
"street_name": {
"type": "string",
"maxLength": 70,
"minLength": 1,
"description": "Street name (max 70 characters) — optional part of the address"
},
"building_number": {
"type": "string",
"maxLength": 16,
"minLength": 1,
"description": "Building number (max 16 characters) — optional part of the address"
}
},
"additionalProperties": false
},
"format": {
"type": "string",
"const": "pain.001"
},
"version": {
"enum": [
"001.03",
"001.09"
],
"type": "string"
},
"currency": {
"enum": [
"EUR"
],
"type": "string"
},
"transactions": {
"type": "array",
"items": {
"type": "object",
"required": [
"creditor",
"amount"
],
"properties": {
"amount": {
"type": "number",
"exclusiveMinimum": 0
},
"creditor": {
"type": "object",
"required": [
"name",
"iban"
],
"properties": {
"bic": {
"type": "string",
"minLength": 1,
"description": "BIC/SWIFT code (8 or 11 characters, spaces tolerated)"
},
"iban": {
"type": "string",
"minLength": 1,
"description": "IBAN — spaces tolerated, checksum enforced"
},
"name": {
"type": "string",
"maxLength": 70,
"minLength": 1
},
"country": {
"type": "string",
"pattern": "^[A-Za-z]{2}$",
"description": "ISO 3166 two-letter country code — REQUIRED as soon as any address field is given"
},
"post_code": {
"type": "string",
"maxLength": 16,
"minLength": 1,
"description": "Post code (max 16 characters) — optional part of the address"
},
"town_name": {
"type": "string",
"maxLength": 35,
"minLength": 1,
"description": "Town name (max 35 characters) — REQUIRED as soon as any address field is given"
},
"street_name": {
"type": "string",
"maxLength": 70,
"minLength": 1,
"description": "Street name (max 70 characters) — optional part of the address"
},
"building_number": {
"type": "string",
"maxLength": 16,
"minLength": 1,
"description": "Building number (max 16 characters) — optional part of the address"
}
},
"additionalProperties": false
},
"end_to_end_id": {
"type": "string",
"maxLength": 35,
"minLength": 1
},
"category_purpose_code": {
"type": "string"
},
"remittance_information": {
"type": "string",
"maxLength": 140,
"minLength": 1
}
},
"additionalProperties": false
},
"minItems": 1
},
"batch_booking": {
"type": "boolean"
},
"initiating_party": {
"type": "object",
"required": [
"name"
],
"properties": {
"name": {
"type": "string",
"maxLength": 70,
"minLength": 1
},
"org_id": {
"type": "object",
"properties": {
"id": {
"type": "string",
"maxLength": 35
},
"scheme_name": {
"type": "string",
"maxLength": 35
}
},
"additionalProperties": false
}
},
"additionalProperties": false
},
"requested_execution_date": {
"type": "string",
"pattern": "^\\d{4}-\\d{2}-\\d{2}$"
}
},
"additionalProperties": false
},
{
"type": "object",
"required": [
"format",
"version",
"initiating_party",
"creditor",
"creditor_scheme_id",
"requested_collection_date",
"transactions"
],
"properties": {
"format": {
"type": "string",
"const": "pain.008"
},
"version": {
"enum": [
"001.02",
"001.08"
],
"type": "string"
},
"creditor": {
"type": "object",
"required": [
"name",
"iban"
],
"properties": {
"bic": {
"type": "string",
"minLength": 1,
"description": "BIC/SWIFT code (8 or 11 characters, spaces tolerated)"
},
"iban": {
"type": "string",
"minLength": 1,
"description": "IBAN — spaces tolerated, checksum enforced"
},
"name": {
"type": "string",
"maxLength": 70,
"minLength": 1
},
"country": {
"type": "string",
"pattern": "^[A-Za-z]{2}$",
"description": "ISO 3166 two-letter country code — REQUIRED as soon as any address field is given"
},
"post_code": {
"type": "string",
"maxLength": 16,
"minLength": 1,
"description": "Post code (max 16 characters) — optional part of the address"
},
"town_name": {
"type": "string",
"maxLength": 35,
"minLength": 1,
"description": "Town name (max 35 characters) — REQUIRED as soon as any address field is given"
},
"street_name": {
"type": "string",
"maxLength": 70,
"minLength": 1,
"description": "Street name (max 70 characters) — optional part of the address"
},
"building_number": {
"type": "string",
"maxLength": 16,
"minLength": 1,
"description": "Building number (max 16 characters) — optional part of the address"
}
},
"additionalProperties": false
},
"currency": {
"enum": [
"EUR"
],
"type": "string"
},
"transactions": {
"type": "array",
"items": {
"type": "object",
"required": [
"debtor",
"amount",
"sequence_type",
"mandate"
],
"properties": {
"amount": {
"type": "number",
"exclusiveMinimum": 0
},
"debtor": {
"type": "object",
"required": [
"name",
"iban"
],
"properties": {
"bic": {
"type": "string",
"minLength": 1,
"description": "BIC/SWIFT code (8 or 11 characters, spaces tolerated)"
},
"iban": {
"type": "string",
"minLength": 1,
"description": "IBAN — spaces tolerated, checksum enforced"
},
"name": {
"type": "string",
"maxLength": 70,
"minLength": 1
},
"country": {
"type": "string",
"pattern": "^[A-Za-z]{2}$",
"description": "ISO 3166 two-letter country code — REQUIRED as soon as any address field is given"
},
"post_code": {
"type": "string",
"maxLength": 16,
"minLength": 1,
"description": "Post code (max 16 characters) — optional part of the address"
},
"town_name": {
"type": "string",
"maxLength": 35,
"minLength": 1,
"description": "Town name (max 35 characters) — REQUIRED as soon as any address field is given"
},
"street_name": {
"type": "string",
"maxLength": 70,
"minLength": 1,
"description": "Street name (max 70 characters) — optional part of the address"
},
"building_number": {
"type": "string",
"maxLength": 16,
"minLength": 1,
"description": "Building number (max 16 characters) — optional part of the address"
}
},
"additionalProperties": false
},
"mandate": {
"type": "object",
"required": [
"id",
"signature_date"
],
"properties": {
"id": {
"type": "string",
"maxLength": 35,
"minLength": 1
},
"signature_date": {
"type": "string",
"pattern": "^\\d{4}-\\d{2}-\\d{2}$"
}
},
"additionalProperties": false
},
"end_to_end_id": {
"type": "string",
"maxLength": 35,
"minLength": 1
},
"sequence_type": {
"enum": [
"FRST",
"RCUR",
"OOFF",
"FNAL"
],
"type": "string"
},
"remittance_information": {
"type": "string",
"maxLength": 140,
"minLength": 1
}
},
"additionalProperties": false
},
"minItems": 1
},
"batch_booking": {
"type": "boolean"
},
"initiating_party": {
"type": "object",
"required": [
"name"
],
"properties": {
"name": {
"type": "string",
"maxLength": 70,
"minLength": 1
},
"org_id": {
"type": "object",
"properties": {
"id": {
"type": "string",
"maxLength": 35
},
"scheme_name": {
"type": "string",
"maxLength": 35
}
},
"additionalProperties": false
}
},
"additionalProperties": false
},
"creditor_scheme_id": {
"type": "string",
"description": "SEPA creditor identifier (ICS / Identifiant Créancier SEPA) — mandatory for direct debits"
},
"requested_collection_date": {
"type": "string",
"pattern": "^\\d{4}-\\d{2}-\\d{2}$"
}
},
"additionalProperties": false
}
]
}List supported ISO 20022 formats and versions.
No arguments.
{
"type": "object",
"properties": {}
}Validate a SEPA XML payload against XSD and business rules.
No arguments.
{
"type": "object",
"anyOf": [
{
"type": "object",
"required": [
"xml_base64",
"format",
"version"
],
"properties": {
"format": {
"type": "string",
"const": "pain.001"
},
"version": {
"enum": [
"001.03",
"001.09"
],
"type": "string"
},
"xml_base64": {
"type": "string",
"minLength": 1
}
},
"additionalProperties": false
},
{
"type": "object",
"required": [
"xml_base64",
"format",
"version"
],
"properties": {
"format": {
"type": "string",
"const": "pain.008"
},
"version": {
"enum": [
"001.02",
"001.08"
],
"type": "string"
},
"xml_base64": {
"type": "string",
"minLength": 1
}
},
"additionalProperties": false
}
]
}