PainXML
Validate ISO 20022 SEPA XML and turn CSV payment files into valid pain.001 / pain.008 — 100% in your browser.
Why PainXML
SEPA XML is strict, fiddly, and full of sensitive data.
SEPA XML gets rejected
One malformed element and the bank rejects the whole batch. PainXML catches schema errors before you file.
CSV → SEPA is manual
Building pain.001 by hand is slow and error-prone. Map your CSV columns and generate valid XML in minutes.
Payment files are sensitive
Uploading payment data to a third-party server is a privacy risk. PainXML never sends your files anywhere.
What PainXML does
Validate, convert, and check — entirely client-side.
XSD validation
Validate against the official ISO 20022 schemas for pain.001.001.03/09 and pain.008.001.08/02.
CSV → SEPA conversion
Map CSV columns to the SEPA fields and export valid pain.001 / pain.008 XML.
IBAN & BIC checking
Every account is validated with IBAN and BIC checks before export.
Clear error reports
Schema and data errors are translated into plain-English messages pointing to the exact element.
100% client-side
Validation and generation run in the browser via WebAssembly — your files never leave your device.
Built for teams
Accounts and saved conversions, with Pro and Team plans for higher volumes.
How it works
Three steps to a file your bank accepts.
Add your file
Drop a SEPA XML file to validate, or a CSV to convert — right in the browser.
Resolve and map
See plain-English errors, or map your CSV columns to the SEPA fields.
Download valid XML
Export schema-valid pain.001 / pain.008 XML, ready to submit to your bank.
Help & FAQ
Common questions, answered.
Do my files leave my device?
No. Validation and XML generation run entirely client-side via WebAssembly. Only account and billing data touch the server.
Which schemas are supported?
pain.001.001.03 and .09, pain.008.001.08 and legacy .02, validated against the official XSDs.
Can it convert CSV to SEPA XML?
Yes — map your CSV columns to the SEPA fields and export valid pain.001 / pain.008 files.
Is there a free tier?
Yes. Basic validation is free, with Pro and Team plans for larger volumes.
Make every SEPA file valid
Validate ISO 20022 XML and convert CSV to SEPA at PainXML — without your files leaving the browser.