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https://en.wikipedia.org/wiki/Single_Euro_Payments_Area https://www.ecb.europa.eu/paym/integration/retail/sepa/html/index.en.html https://www.europeanpaymentscouncil.eu/about-sepa Spec for credit transfer: https://docs.oracle.com/cd/E39124_01/doc.91/e60210/fields_sepa_pay_file_appx.htm#EOAEL00515 To validate a SEPA file: xmllint --schema pain.001.001.03.xsd T200801.xml --noout To test a SEPA file: https://www.mesfluxdepaiement.fr/testez-vos-fichiers-sepa