# ISO 20022 Generator

> Online tool that creates and validates the payment files businesses submit to their bank, in ISO 20022 XML: SEPA credit transfers (pain.001), SEPA direct debits (pain.008), COPS files in CFP francs (XPF) and multi-currency international transfers, plus SWIFT MT103 messages. Nothing to install; payment files are validated in memory and not saved.

Website: https://iso20022generator.com, in French, English, German, Spanish, Italian, Dutch and Polish. Every page URL starts with its language code (/fr/, /en/, /de/, /es/, /it/, /nl/, /pl/); French is the default and the links below point to the English pages.

ISO20022generator is operated by La Conciergerie Cassidaine, a simplified joint-stock company (SASU) with a share capital of €5,000.

## What it does

- Generates SEPA credit transfers in pain.001.001.09 (the default) or pain.001.001.03, and SEPA direct debits in pain.008.001.08 (the default) or pain.008.001.02.
- Generates COPS transfers and direct debits in CFP francs (XPF) for New Caledonia, French Polynesia and Wallis and Futuna, multi-currency international transfers in pain.001 (every ISO 4217 currency in force, SHA/BEN/OUR charges) and SWIFT MT103 messages (text format).
- Validates existing files against the official XSD schemas and common bank rules. Supported versions: pain.001.001.03, pain.001.001.09, pain.008.001.02, pain.008.001.08.
- Data is typed into a table, or imported from CSV or Excel and pasted from a spreadsheet on paid plans.
- Demo mode produces SEPA and COPS transfers and direct debits of up to two lines; multi-currency transfers and MT103 messages need the International & SWIFT plan.
- Privacy: a file is sent to the server only to be validated, in memory, and is not saved; no IBAN, BIC, name or amount is kept in the database. Saved originator profiles stay in the user's browser. The FAQ lists exactly what is kept (account, subscription status, usage statistics, messages, API key hashes).
- The tool checks the format; whether a bank accepts a file is up to that bank, which also chooses its own cut-off dates for older versions.

## Pricing

Plans as listed on the pricing page, in euros per month, VAT included.

- Demo mode: €0. Two lines per file, no card required.
- Single emitter: €5 / month incl. VAT. Free 2-day trial — cancel in one click.
- Multi-emitter: €15 / month incl. VAT. Free 2-day trial — cancel in one click.
- International & SWIFT: €30 / month incl. VAT. Free 2-day trial — cancel in one click.

- [Pricing](https://iso20022generator.com/en/pricing)

## MCP server for AI assistants

- Endpoint: https://mcp.iso20022generator.com/mcp (streamable HTTP). Authentication: an `Authorization: Bearer <API key>` header; keys are created from the account page.
- Included in the multi (200 generations/month) and business (1,000 generations/month) plans.
- Generation covers SEPA credit transfers and direct debits in euros (pain.001, pain.008) and MT103 messages; COPS (XPF) and multi-currency files are made on the website only.
- Tools:
  - `generate_sepa_xml`: Generates SEPA pain.001 (credit transfer) or pain.008 (direct debit) XML, validated against XSD + banking rules (IBAN, EndToEndId, charset).
  - `validate_sepa_xml`: Validates an existing XML against the official schema and blocking business rules. Open to all plans.
  - `generate_mt103`: Generates a SWIFT MT103 message (international wire, text format). Business plan only.
  - `list_supported_versions`: Lists supported formats and versions (pain.001.001.03/.09, pain.008.001.02/.08).
- [MCP setup guide](https://iso20022generator.com/en/mcp): configuration for Claude Code, Cursor and ChatGPT

## Main pages

- [Home](https://iso20022generator.com/en)
- [FAQ](https://iso20022generator.com/en/faq): what the tool does, prices, what is stored, the German deadline
- [SEPA credit transfer generator (pain.001)](https://iso20022generator.com/en/virements/sepa)
- [SEPA direct debit generator (pain.008)](https://iso20022generator.com/en/prelevements/sepa)
- [Multi-currency international transfers (pain.001)](https://iso20022generator.com/en/virements/multi-devise)
- [SWIFT MT103 generator](https://iso20022generator.com/en/virements/swift-mt103)
- [COPS transfers in CFP francs (XPF)](https://iso20022generator.com/fr/virements/cops): indexed in French only
- [COPS direct debits in CFP francs (XPF)](https://iso20022generator.com/fr/prelevements/cops): indexed in French only
- [ISO 20022 XML validator](https://iso20022generator.com/en/validator)
- [Video demo](https://iso20022generator.com/en/video-demo)

## Guides

- [SEPA XML generator](https://iso20022generator.com/en/sepa-xml-generator)
- [pain.001 generator](https://iso20022generator.com/en/pain-001-generator)
- [pain.008 generator](https://iso20022generator.com/en/pain-008-generator)
- [SDD XML generator](https://iso20022generator.com/en/sdd-xml-generator)
- [ISO 20022 validator](https://iso20022generator.com/en/iso-20022-validator)
- [SWIFT MT103 generator](https://iso20022generator.com/en/swift-mt103-generator)
- [DTAZV replacement: foreign payments in pain.001.001.09](https://iso20022generator.com/en/blog/dtazv-nachfolger-pain-001-001-09)
- [How to Create a SEPA XML File: The Complete Guide](https://iso20022generator.com/en/blog/sepa-xml-file-guide)
- [pain.001 vs pain.002: Understanding ISO 20022 Message Types](https://iso20022generator.com/en/blog/pain-001-vs-pain-002)
- [ISO 20022 Migration Guide: Timeline, Impact and Steps](https://iso20022generator.com/en/blog/iso-20022-migration-guide)

## Optional

- [llms-full.txt](https://iso20022generator.com/llms-full.txt): this file plus plan details and every FAQ answer
- [Legal notice](https://iso20022generator.com/en/legal)
- [Privacy policy](https://iso20022generator.com/en/privacy)
- [Terms](https://iso20022generator.com/en/terms)
- [Contact](https://iso20022generator.com/en/contact)