SEPA Generator is a local desktop app for creating ISO 20022 SEPA XML files from CSV or Excel. The free open-source Community edition handles pain.001 credit transfers, while Pro adds pain.008 Direct Debit, XSD validation, detailed reports, XML migration, reusable profiles and Address Readiness. Payment data stays on your computer.
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I built SEPA Generator because creating compliant SEPA XML from everyday CSV/Excel exports is still more awkward than it should be, and many available tools require uploading payment data to a web service.
Community is free and open source and focuses on pain.001 credit transfers. Pro adds Direct Debit, validation, migration and reusable workflows, while keeping payment-file processing local.
I’d especially love feedback from people working with treasury, accounting, ERP exports or ISO 20022 files — including what formats or workflows are still painful today.