Bank-ready SEPA files
Generate compliant pain.008.001.02 SEPA Core Direct Debit files that every SEPA bank accepts. One click, ready to upload — no spreadsheets, no XML by hand.
ISO 20022 · pain.008.001.02
Collect SEPA direct debits, without the hassle
EasySepa turns your customers and mandates into bank-ready SEPA direct debit files in seconds. Manage recurring collections, validate IBANs, and get paid — all from one clean dashboard.
Bank-grade encryption · Accepted by every SEPA bank · Built for European businesses
Everything you need to get paid by direct debit
From mandate to money in the bank — EasySepa handles the SEPA details so you don't have to.
Customers & mandates
Keep debtors, IBANs, mandate IDs and signature dates organized in one place, with IBAN and creditor-ID validation built in.
Recurring packages
Define your products and prices once, assign them to customers with quantities, and collect on a recurring schedule.
Bank-grade security
IBANs and creditor identifiers are encrypted at rest. Access is scoped per organization, so your customers' financial data stays protected.
VAT & net/gross
Configure your VAT rate and switch table totals between net and gross at any time. The amount collected is always exactly what you intend.
Multi-organization
Run several creditor entities from a single account, each with its own IBAN, creditor identifier and customer base.
From sign-up to SEPA file in three steps
No accountant, no developer, no manual XML.
- 1
Add your customers & mandates
Import or enter your debtors with their IBAN, mandate reference and signature date. EasySepa validates everything as you go.
- 2
Assign packages & amounts
Pick from your catalogue or create a custom package, set the quantity, and EasySepa keeps your recurring totals up to date.
- 3
Export & upload to your bank
Generate a SEPA direct debit file for all active customers and upload it to your bank's portal. That's it — you get paid.
Compliant XML, generated for you
EasySepa builds a standards-compliant SEPA Core Direct Debit file in the ISO 20022 pain.008.001.02 format — the same format your bank expects. Creditor scheme identifiers, mandate details and control sums are all calculated automatically.
- One transaction per package line or per unit — your choice
- Automatic control sum and transaction counts
- Remittance text with per-customer variables
- FRST, RCUR, OOFF and FNAL sequence types
<Document xmlns="urn:iso:std:iso:20022:tech:xsd:pain.008.001.02">
<CstmrDrctDbtInitn>
<GrpHdr>
<MsgId>EASYSEPA-2026-0001</MsgId>
<NbOfTxs>42</NbOfTxs>
<CtrlSum>1289.00</CtrlSum>
</GrpHdr>
<PmtInf>
<PmtMtd>DD</PmtMtd>
<SeqTp>RCUR</SeqTp>
<Cdtr><Nm>Your Company</Nm></Cdtr>
...
</PmtInf>
</CstmrDrctDbtInitn>
</Document>Frequently asked questions
What is a SEPA direct debit?
A SEPA direct debit lets a business (the creditor) collect funds directly from a customer's bank account across the Single Euro Payments Area, based on a signed mandate. It's the standard way to automate recurring euro payments such as subscriptions, memberships and service fees.
What file format does EasySepa generate?
EasySepa produces a SEPA Core Direct Debit file in the ISO 20022 pain.008.001.02 format. This is the standard XML format accepted by banks across the SEPA area, so you can upload it directly to your online banking portal.
Is my data secure?
Yes. Sensitive financial data such as IBANs and creditor identifiers are encrypted at rest, all traffic runs over HTTPS, and every record is scoped to your organization so only your team can see your customers.
Which countries are covered by SEPA?
SEPA covers 36 European countries, including the entire euro area plus several non-euro countries. If your customer holds an account at a SEPA bank, you can collect from them with EasySepa.
Do I need technical knowledge to use it?
No. EasySepa hides the XML complexity behind a clean dashboard. You manage customers and packages in plain language, and the compliant SEPA file is generated for you.
Can I handle recurring collections?
Absolutely. Define reusable packages with prices and intervals, assign them to customers with quantities, and generate a fresh direct debit file whenever it's time to collect.
Ready to simplify your collections?
Set up your organization, add your customers, and export your first SEPA file today.