Works with your system's export
Export payment batches from your accounting software, ERP, payroll run, or an internal database query, arrange the expected columns, and generate the XML. A CSV input template in the app shows the exact layout.
CSV to SEPA XML
From system export to SEPA payment file.
Accounting packages, ERP systems, payroll software, and internal tools all export CSV — but banks want pain.001 XML. SEPA Generator bridges that gap: it reads your CSV export, validates every payment row, and generates standards-based SEPA Credit Transfer XML on your own computer.
Free and open source · Windows, macOS, and Linux · Files processed locally
Built for tabular payment data.
CSV is the lingua franca of business systems: one payment per row, one field per column. That structure is exactly what a SEPA credit transfer batch needs.
Bulk payment rows
A single CSV can carry a whole payment run — supplier batches, salary payments, expense reimbursements — and produce one pain.001 file with all transactions for your bank upload.
Row-by-row validation
System exports are only as good as the data behind them. Each row is checked before generation — IBAN checksums, BIC format, amounts, execution date, remittance length — with clear errors pointing at what to fix. See SEPA XML validation.
Repeatable, scriptable workflow
CSV exports tend to be recurring. SEPA Generator has both a GUI and a CLI, so a monthly export-and-generate routine can be run by hand or scripted into an internal workflow.
Common CSV-to-SEPA use cases.
The same pattern shows up across teams: a system that knows the payments, a bank that needs pain.001 XML, and a CSV file in between.
Where CSV exports come from
Supplier payment batches from accounting tools, monthly salary
runs from payroll software, ERP payment proposals, and ad-hoc
exports from internal databases or reporting tools. If it can
export rows and columns, it can feed SEPA Generator. Output can
be pain.001.001.02, pain.001.001.03 or
pain.001.001.09 —
see which version to choose.
Sensitive by nature — kept local
A payment CSV lists who gets paid and how much. SEPA Generator processes it locally on your computer; the file is never uploaded to this website or any server. Bank acceptance of the generated XML may still depend on your bank, channel, and account configuration — test your first file with your banking portal.
Convert your first CSV export.
The Community Edition is free and includes CSV input, templates, validation, GUI and CLI. Maintaining payment data directly in a spreadsheet instead? See Excel to SEPA XML. Need Direct Debit, XSD validation, or detailed reports? Explore SEPA Generator Pro. Paying the same suppliers every month? See SEPA bulk payments with Pro.