Required headers, accounts, amounts, dates, and version-specific ReqdExctnDt.
SEPA pain.001 · 14-day market test
Upload a rejected SEPA file. See the exact errors.
Instant checks for ISO 20022 structure and basic EPC rules — IBAN, control sum, transaction count, charge bearer. Built for people who just got a bank reject and need a location, not a lecture.
We do not store payment files. Validate, read the report, discard.
Layer A · free
Upload & validate
In memory only. Nothing is written to disk.
Try a fixture:valid .03invalid .03valid .09
What the free checker looks at
Debtor and creditor IBANs, including official length by country.
Group and payment-info totals must match the transactions.
EPC SCT rejects DEBT, CRED, and SHAR on a SEPA batch.
Layer B · paid intent
€79 bank-reject diagnostic
The free tool stops at the ISO / EPC baseline. When your bank cites a proprietary reason — a missing address line, a local purpose code, a MIG field they invented — join the waitlist. No file upload on this form.