SEPA pain.001 validator — check your payment file online

Lints SEPA Credit Transfer pain.001 XML against the 2019 ISO 20022 message version and EPC scheme rules: retired namespace, IBAN mod-97, CtrlSum/NbOfTxs, SEPA character set. Runs entirely in your browser — nothing is uploaded.

<?xml version="1.0" encoding="ISO-8859-1"?>
<Document xmlns="urn:iso:std:iso:20022:tech:xsd:pain.001.001.03">
  <CstmrCdtTrfInitn>
    <GrpHdr>
      <MsgId>MSG-BATCH-SEPTEMBER-2026-WEEK-38-RUN-002</MsgId>
      <CreDtTm>2026-09-15</CreDtTm>
      <NbOfTxs>2</NbOfTxs>
      <CtrlSum>101430.51</CtrlSum>
      <InitgPty>
        <Nm>Halden Logistics BV</Nm>
      </InitgPty>
    </GrpHdr>
    <PmtInf>
      <PmtInfId>PMT-SEPTEMBER-2026-WEEK-38-SUPPLIER-RUN</PmtInfId>
      <PmtMtd>TRF</PmtMtd>
      <PmtTpInf>
        <SvcLvl>
          <Cd>INST</Cd>
        </SvcLvl>
      </PmtTpInf>
      <ReqdExctnDt>2026-09-01</ReqdExctnDt>
      <Dbtr>
        <Nm>Halden Logistics BV</Nm>
      </Dbtr>
      <DbtrAcct>
        <Id>
          <IBAN>NL91ABNA0417164300</IBAN>
        </Id>
      </DbtrAcct>
      <DbtrAgt>
        <FinInstnId>
          <BIC>DEUTDEFF5</BIC>
        </FinInstnId>
      </DbtrAgt>
      <ChrgBr>SHAR</ChrgBr>
      <CdtTrfTxInf>
        <PmtId>
          <EndToEndId>INVOICE-2026-4471-SUPPLIER-PAYMENT-RUN-38</EndToEndId>
        </PmtId>
        <Amt>
          <InstdAmt Ccy="EUR">99500.00</InstdAmt>
        </Amt>
        <Cdtr>
          <Nm>Weber Verpackung und Industrieverpackungssysteme Gesellschaft mit beschraenkter Haftung</Nm>
        </Cdtr>
        <CdtrAcct>
          <Id>
            <IBAN>DE89370400440532013001</IBAN>
          </Id>
        </CdtrAcct>
        <RmtInf>
          <Strd>
            <CdtrRefInf>
              <Ref>RF18539007547035</Ref>
            </CdtrRefInf>
          </Strd>
        </RmtInf>
      </CdtTrfTxInf>
      <CdtTrfTxInf>
        <PmtId>
          <EndToEndId>INV-1</EndToEndId>
        </PmtId>
        <Amt>
          <InstdAmt Ccy="GBP">1250.005</InstdAmt>
        </Amt>
        <Cdtr>
          <Nm>Bridgewater Packaging Ltd</Nm>
        </Cdtr>
        <CdtrAcct>
          <Id>
            <IBAN>US64SVBKUS6S3300958879</IBAN>
          </Id>
        </CdtrAcct>
        <RmtInf>
          <Ustrd>Payment for invoices 2026-4472, 2026-4473, 2026-4474 and 2026-4475 covering pallets, shrink wrap, edge protectors and the September surcharge agreed on the call with accounts payable</Ustrd>
        </RmtInf>
      </CdtTrfTxInf>
      <CdtTrfTxInf>
        <Amt>
          <InstdAmt Ccy="EUR">480.50</InstdAmt>
        </Amt>
        <Cdtr>
          <Nm>Müller u. Söhne KG</Nm>
        </Cdtr>
        <CdtrAcct>
          <Id>
            <IBAN>DE89370400440532013000</IBAN>
          </Id>
        </CdtrAcct>
        <RmtInf>
          <Ustrd>Rechnung 2026-4480</Ustrd>
        </RmtInf>
      </CdtTrfTxInf>
      <CdtTrfTxInf>
        <PmtId>
          <EndToEndId>INV-1</EndToEndId>
        </PmtId>
        <Amt>
          <InstdAmt Ccy="EUR">200.00</InstdAmt>
        </Amt>
        <Cdtr>
          <Nm>Atelier Rousseau SARL</Nm>
        </Cdtr>
        <CdtrAcct>
          <Id>
            <IBAN>FR1420041010050500013M02606</IBAN>
          </Id>
        </CdtrAcct>
        <RmtInf>
          <Ustrd>Invoice 2026-4481</Ustrd>
        </RmtInf>
      </CdtTrfTxInf>
    </PmtInf>
  </CstmrCdtTrfInitn>
</Document>

as of

Free here: Check one open pain.001 XML file against all 25 scheme rules and get every rejection reason with its line number.. In the editor: Scan every payment file in the workspace at once and export the findings as JSON, CSV or Markdown you keep for the bank and the audit trail. — that part asks for a licence key.

Same engine as the VS Code extension, byte for byte.