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Creating and submitting a payment run with a SEPA XML file

Updated

In this article, you will learn how to create and submit a payment run with a SEPA XML file.

Contents

Quick Guide

  1. Create a payment run in the system
  2. Download the SEPA XML file and select the file format
  3. Upload the SEPA XML file to your online banking system

Detailed Instructions

Create Payment Run

To create a payment run, follow these steps:

  1. Open the software dashboard.
  2. Go to Finance / Payment runs and click Create Payment run.
  3. Enter the required information.
  4. Click Create Preview to generate the payment run.

Download SEPA XML File

After creating the payment run, you can download the SEPA XML file:

  1. Go to Finance / Payment runs.
  2. In the list, find the payment run you just created.
  3. Open the menu at the end of the payment run's row and click Download bank file (XML).
  4. In the dialog, select the file in the field File format:
    • SEPA direct debit file (new format)
    • SEPA direct debit file (previous format)
  5. Click Download.
  6. Save the file to your computer.

Download bank file (XML) dialog with the new format selected and its hint.

Download bank file (XML) dialog with the previous format selected and its hint.

If you do not see the dialog, the file is downloaded directly in the previous format. This is the case for payment runs created before 1 October 2026 and for creditor accounts with an Italian IBAN.

For help on choosing the file format, see Check Bank Support.

Upload SEPA XML File

To upload the SEPA XML file to your online banking system, follow these steps:

  1. Log in to your online banking system.
  2. Go to Batch Processing / Upload File.
  3. Upload the saved SEPA XML file.
  4. Confirm the transaction according to your bank's instructions.

Check Bank Support

The Software offers two file formats in parallel for a transition period. Ensure that your bank supports the format you select:

  • SEPA direct debit file (new format) uses the message version pain.008.001.08 and follows the current EPC rules.
  • SEPA direct debit file (previous format) uses the message version pain.008.001.02.

Test the file in the new format with your bank early. If your bank does not process the new format yet, submit the file in the previous format. The previous format remains available at least until the end of 2026. When it will be switched off will be announced separately.

If you collect via Finion, you do not need to do anything. No SEPA file is created for Finion direct debit runs.

For more information on the SEPA XML formats, see this article: SEPA XML file formats for direct debit files

Note: This article was created with the help of artificial intelligence and editorially reviewed.