Prepare SEPA payments and collections — and catch issues before submission.
Pro includes everything in the free Community Edition and adds SEPA
Direct Debit, validation against supported official schemas with
detailed reports, reusable profiles and mappings, and migration from
supported older message versions — all processed locally on your
computer.
Prepare customer collections with the mandate and sequence information
the scheme requires. SEPA Generator prepares the file — you upload it
through your normal banking channel; it does not send or execute the
collection.
pain.008.001.08
Generate SEPA Direct Debit XML using the pain.008.001.08 message,
alongside the pain.001 Credit Transfer versions from Community.
pain.008.001.02 is also available for banks and upload channels
that still require it.
CORE and B2B
Both direct debit schemes are supported, so you can collect from
consumers (CORE) or from businesses (B2B).
Sequence types
Handle FRST, RCUR, OOFF, and FNAL for first, recurring, one-off,
and final collections.
Mandate details
Creditor identifier, mandate reference (RUM), and mandate-signature
date, with guidance when Credit Transfer and Direct Debit inputs
are mismatched.
Catch structural and data issues before you upload the file.
Pro combines generation checks, schema validation, and detailed
reports, and can also validate SEPA XML created by another system.
Input & generation checks
Identifier checks, amount and control-total consistency, field
limits, XML-character legality, and duplicate and character
warnings as the file is built.
XSD validation
The finished file is validated against the bundled supported
official SEPA XSD schemas, so structural errors are caught against
the standard itself.
Detailed HTML reports
Exportable HTML reports break warnings and failures down by row,
field, and message — ready to review, share, or archive.
See an example report.
External XML validation
Validate a SEPA XML file created outside SEPA Generator, not just
the files Pro generates itself.
Application checks and official schema validation are not the same as
bank acceptance. Final acceptance can still depend on your bank, upload
channel, account configuration, enabled services, message-version
requirements, mandates, and bank-specific rules — test your first
production file with your bank. See
common SEPA XML rejection errors.
Repeatable workflows
Reuse recurring setups instead of rebuilding them each time.
For monthly payroll, supplier runs, or recurring collections, Pro
remembers how your files are put together.
Payment profiles
Save reusable payment details so debtor, creditor, and message
information don't have to be re-entered every run. Credit
Transfer and Direct Debit setups stay separate.
Saved and custom mappings
Save how your CSV and Excel columns map to SEPA fields, so
repeat imports from the same export are quick and consistent.
GUI and CLI reuse
Reuse the same profiles and mappings interactively or from the
command line for scripted, repeatable runs.
Existing files
Validate or migrate SEPA XML you already have.
Review files created by another system, or bring supported older
message versions up to the current formats.
Validate existing XML
Run XSD validation and the detailed report against a SEPA XML file
produced by another application, to understand its problems before
you send it.
Credit Transfer migration
Migrate pain.001.001.02 and pain.001.001.03 to pain.001.001.09.
Direct Debit migration
Migrate supported pain.008.001.02 files to pain.008.001.08, with
COR1-to-CORE guidance and normalization where implemented.
Address Readiness
Check whether your address data is ready.
Newer SEPA message versions expect structured or hybrid postal
addresses. Address Readiness helps you find missing or incomplete
address information and prepare it before you generate or migrate a
file, rather than discovering the gap at the bank. It highlights
issues for you to fix; it does not silently rewrite your address
data.
What changes on 15 November 2026
Your payment data stays on your computer.
Pro is a desktop application. Your payment files are processed
locally and are not uploaded to this website, to Niryosys, or to
Lemon Squeezy to generate or validate them. Pro does not access
your bank credentials, connect to your bank, or send payments.
License activation and update checks use the internet, but that is
separate from payment-file processing.
Read the privacy note.
Community or Pro?
Only sending Credit Transfers? Community covers that — free and open
source. Choose Pro when you also need:
Direct Debit
Collect payments with pain.008 CORE and B2B.
Validation & reports
Official XSD validation and detailed HTML reports.
Existing XML
Validate files from other systems and migrate older versions.
Everything in Community is also in Pro. The rows below show what Pro
adds on top for Direct Debit, validation, existing files, and recurring
workflows.
Feature comparison between SEPA Generator Community and Pro editions
Feature
Community
Pro
SEPA Credit Transfer (pain.001.001.02 / .03 / .09)
Yes
Yes
CSV / XLS / XLSX input
Yes
Yes
GUI and CLI
Yes
Yes
Fully structured address generation (.09)
Yes
Yes
IBAN / BIC normalization & validation
Yes
Yes
Exact decimals, control totals, EPC ceiling, field limits
Yes
Yes
Templates and samples
Yes
Yes
Local processing, no telemetry
Yes
Yes
SEPA Direct Debit (pain.008.001.02 & .08, CORE & B2B)
Founding subscribers keep €119/year for as long as they stay
continuously subscribed; the price will rise after the founding
period. Every Pro charge — the initial purchase and each annual
renewal — comes with a 14-day money-back guarantee:
email [email protected]
from the purchase email address within 14 calendar days
for a full refund, no reason required. Checkout and invoicing are
handled by Lemon Squeezy as our Merchant of Record. See
terms, licensing & refunds.
How licensing works
Pro uses a license key that can be activated on up to 3
devices. Activating and validating a license is separate from
payment-file processing — your SEPA files stay local and are not
uploaded for licensing. Subscription and billing management use
Lemon Squeezy. See
Pro support for
activation, billing, cancellation, and refund help.
Platforms
Pro runs on Windows, macOS, and Linux as packaged desktop
downloads that bundle their own Java runtime, so no separate Java
installation is required. See the
Pro download page.
Pro questions
What does Pro add over the free Community Edition?
Pro includes everything in Community and adds SEPA Direct Debit (pain.008.001.08 and pain.008.001.02, CORE and B2B), XSD validation against the bundled supported official schemas, detailed HTML validation and rejection reports, validation of existing SEPA XML files, message-version migration, Address Readiness, payment profiles, and saved import mappings.
Does Pro support SEPA Direct Debit?
Yes. Pro generates SEPA Direct Debit files using pain.008.001.08, the recommended modern format, and pain.008.001.02 for banks and upload channels that still require it, with the CORE and B2B schemes, FRST, RCUR, OOFF, and FNAL sequence types, and the creditor identifier, mandate reference, and mandate-signature date each collection requires.
Will Pro guarantee my bank accepts the file?
No. Pro validates your input data during generation and validates the finished XML against the supported official SEPA schemas, and it can validate existing XML files, which helps you catch avoidable problems. Bank acceptance is a separate decision that can still depend on your bank, upload channel, account configuration, the required message version, mandates, and bank-specific rules, so test your first file with your banking portal before production use.
Are my payment files uploaded anywhere?
No. Pro is a desktop application that processes your payment files locally on your computer. Files are not uploaded to this website, to Niryosys, or to Lemon Squeezy. Licensing and update checks use the internet, but that is separate from payment-file processing.
How much does Pro cost and how many devices can I use?
SEPA Generator Pro is €119/year at the founding price. It is an annual subscription with three device activations. Checkout, billing, and invoicing are handled by Lemon Squeezy as Merchant of Record, and no separate SEPA Generator account is required.
Which platforms does Pro run on?
Pro runs on Windows, macOS, and Linux as packaged desktop downloads that bundle their own Java runtime, so no separate Java installation is required.
