Free online SEPA XML validation
This service validates SEPA XML documents against specified XSD schemas.
All SEPA transactions must be done in XML ISO 20022 format and the European Payment Council has developed guidelines for implementing this format.
Here below you can find payments initiation (pain) XML message examples and its accompanied XML schemas (XSD). These files were downloaded from http://www.iso20022.org/message_archive.page. All SEPA countries use the same standard (XML ISO 20022) but there are still some small differences between banks. For example, a field that the European Payment Council does not regard as compulsory, may still be compulsory at a national level. Similarly, a field with six available options, may only have four options at a national level.
European credit transfer XSD schemas
European credit transfer XML examples
European direct debit XSD schemas
European direct debit XML examples
The SEPA XML validator first checks whether the XML document is a well-formed one and only then does it validate the SEPA XML document against the XML schema. The validator will report fatal errors, non-fatal errors and warnings.
If no XSD schema is selected or specified the validator only checks if the SEPA XML document is well-formed.
This online tool also allows you to upload your own XSD schema.
If you want to create SEPA XML documents for business payments orders and direct debits orders, use the service:
Online SEPA XML message generator for business payments orders and direct debits orders
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