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SEPA XML GENERATOR, Software and FREE Trial

Generate your SEPA
XML FILES

Manage your direct debit and transfer customers, payments, reports and generate your SEPA XML files — all online in one account.

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Customers
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Countries
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Banks
SEPA XML Dashboard Preview
SEPA XML Dashboard Preview
ALL MAJOR BANKS SUPPORTED
Credit Suisse
CaixaBank
Zurcher Kantonalbank
Sparkasse
KBC
HSBC
AIB
Danske Bank
Bank of Ireland
Permanent TSB
What it does

One Account for Your SEPA Payments

SEPA XML GENERATOR – Manage your direct debit and transfer customers, payments, reports and generate your SEPA XML files, all online in one account.

  • SEPA Direct Debit

    SEPA Direct Debit

    Generate SEPA XML Direct Debit files as often as required each month.

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  • SEPA Credit Transfer

    SEPA Credit Transfer

    Generate SEPA XML Credit Transfer files and quickly switch from Direct Debit.

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  • CSV Convertor

    CSV Convertor

    Convert files from your accounts package into compatible SEPA XML files.

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  • Validator Functionality

    Validator Functionality

    Validate your SEPA XML files with built-in validator functionality.

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  • Merge or Combine SEPA XML Files

    Merge or Combine SEPA XML Files

    Merge or combine multiple SEPA XML files into a single file.

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  • Security Features

    Security Features

    Email One Time Password, hidden bank details, sensitive-data clearing and daily backups.

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How it works

From Customer Data to a Bank-Ready SEPA File

Manage your customers, create payments and generate SEPA XML files ready for your online banking system.

01

Add Your Customers

Add customers or suppliers manually or upload them using CSV.

02

Create Your Payments

Select customers and enter or update the payment amounts.

03

Generate Your SEPA XML

Create your SEPA Direct Debit or Credit Transfer XML file.

04

Upload to Your Bank

Upload the generated SEPA XML file to your online banking system.

CSV Converter

Convert CSV Files Into
SEPA XML

Convert CSV files from your accounting package into compatible SEPA XML files for Direct Debits and Credit Transfers.

  • Upload your CSV file
  • Extract the required SEPA fields
  • Convert and download the SEPA XML file
View Product Tour
Convert CSV Files Into SEPA XML
SEPA API

Automate the Whole Process

Integrate your SEPA XML GENERATOR account with your accountancy package and automate your Direct Debit and Credit Transfer workflow. The API removes manual data entry, helps reduce errors and takes care of the process from your accounting software through to your SEPA XML file.

Explore SEPA API
Product Tour

See How it Works

Explore key features, from company setup to generating SEPA XML files.

  1. Set up your company profile
  2. Add customers or suppliers
  3. Generate your SEPA XML file
View Product Tour
REVIEWS & CLIENTS

Reviews & Some of Our Clients

Google Review

Many Thanks for all your technical support helping us to become a Direct Debit Originator. It has eliminated the hassle of collecting cheques and cash payments from our residents’ families enabling us to stay away from the Bank which has been really important during... Read More

Winfried Bockmann – TBT Global Communication – Managing Director

Winfried Bockmann – TBT Global Communication – Managing Director
Google Review

We are testing the SEPA XML GENERATOR at the moment. The tool is easy to use covers all necessary aspects for issuing Direct Debits payments from our customers. The uploads are easy and do not return any error reports from the BOI (Bank of... Read More

Luca Giraudo – VIA PIEMONTE – Company Founder

Luca Giraudo – VIA PIEMONTE – Company Founder
Google Review

SEPA XML GENERATOR is an exceptional software for small companies like ours. Cost effective, user friendly and efficient support if needed. Definitely a handy tool to streamline the payments process.

Brian O’Neill – Care Monitor Limited – Technical Consultant

Brian O’Neill – Care Monitor Limited – Technical Consultant
Google Review

We were searching for a software application which would help one of our customers to manage direct debits for their nursing home in Ireland. We tried a few applications free to download from the Web, and a few trials, but none of them worked... Read More

Nivesh Gandhi – Ever Fit Austria – Company Founder

Nivesh Gandhi – Ever Fit Austria – Company Founder
Google Review

Your Web based application made my life really easy. I can create an .xml file from almost anywhere (Only internet is needed). Plus, the application has a very user-friendly dashboard. Therefore, anyone can get their head around it in no time. I highly recommended... Read More

Michael O’Callaghan, CourseCo, Company Founder

Michael O’Callaghan, CourseCo, Company Founder
Google Review

Diarmuid and the team created this clever solution that is now saving us over 6hrs per month on headaches and development time. We used to code the xml our self each month but found that the task could only be done by a select... Read More

Liam Brown – Limerick Post Newspaper – Finance Director

Liam Brown – Limerick Post Newspaper – Finance Director
Google Review

We have recently moved from our old complex direct debit software to SEPA XML GENERATOR. The transition was very smooth and seemed too simple to be believed. We are in our fourth month now and the hours this has saved has been significant. Thank... Read More

Ronan Farrell – JV Hutton – Managing Director

Ronan Farrell – JV Hutton – Managing Director
Google Review

We at Sound Insurance used SEPA XML GENERATOR when we switched bank to provide us with the tools we needed for bulk transfers. Diarmuid and the team were extremely helpful throughout and sorted out all of our technical problems. Would highly recommend using them.

Aileen Hannan – SortMyBooks – Company Founder & CTO

Aileen Hannan – SortMyBooks – Company Founder & CTO
Google Review

This is a great utility for creating XML files for uploading to the bank for Credit Transfers or Direct Debits. The SortMyBooks customers availing of this facility have found it useful. Diarmuid and his team are very helpful and responsive.

Dave and Diana Milestone – Andarl Farm – Company Founder

Dave and Diana Milestone – Andarl Farm – Company Founder
Google Review

Great service, and fast communication. The first time we have had to deal with setting up Direct Debits, and this system made it all straight forward for us on Bank of Ireland.

Emma Thompson – Community Finance Ireland – Finance Executive

Emma Thompson – Community Finance Ireland – Finance Executive
Our customers

Companies That Run on SEPA XML GENERATOR

  • BYD
  • Toymaster
  • Limerick Post
  • UPMC
  • Thorntons Recycling
  • Clare Local Development Company
  • Sona
  • UpCo
  • payac
  • Fonez
  • Sky Business Centres
  • Copado
Pricing

Simple, Transparent
Annual Pricing

Start free for 45 days with no obligation. When you’re ready, choose an annual license with discounts available for lower-volume customers.

  • 50% discount for customers processing 20 or fewer Direct Debits or Credit Transfers per month.
  • 20% discount for customers processing 50 or fewer Direct Debits or Credit Transfers per month.
View Full Pricing
Annual license
€250 / year + VAT*

*VAT at 23% for Irish customers. Non-Irish and international customers with a valid VAT number are VAT exempt.

  • Generate SEPA Direct Debit & Credit Transfer XML files
  • CSV Convertor for both payment types
  • Multiple Master Bank Accounts
  • Built-in Validator & Merge functionality
  • Archived XML files & Reporting
Start Your Free Trial

What's Happening

View All SEPA News
22 Apr 2020

Understanding a SEPA Transfer and It’s Benefits for Your Business

SEPA simply stands for the Single Euro Payments Area. The goal of SEPA is to ensure an easy way of moving electronic payments between businesses and nations within the system. SEPA was designed to make a borderless & smooth payment system within the Eurozone. With the Single Euro Payments Area system, it’s as simple to ... Understanding a SEPA Transfer and It’s Benefits for Your Business

Read more
6 Apr 2020

How the Irish Banks Such as BOI (Bank of Ireland), AIB, Ulster and Permanent TSB Manage Your SEPA Direct Debits

Irish Banks and SEPA Direct Debits – the misconception out there is that a consumer must sign a direct debit mandate form in order to give permission for a business to take a debit from someone’s bank account.  Not so!  No, all a business needs is a person’s BIC and IBAN number and you can ... How the Irish Banks Such as BOI (Bank of Ireland), AIB, Ulster and Permanent TSB Manage Your SEPA Direct Debits

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22 Mar 2020

SEPA Payment – International Business and What It Can Do for You

There are several benefits that both businesses and individuals can get from engaging in international payments. The ability to harmonise both domestic and international payments is something both businesses and individuals have sought for a long time and that is why the EU introduced the Single Euro Payment Area (SEPA). It was once a daunting ... SEPA Payment – International Business and What It Can Do for You

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Generate Your First SEPA
XML File Today

Start a free SEPA XML GENERATOR trial — no obligation. Create Direct Debit or Credit Transfer files and submit them straight to your online bank.