GenerateSEPA
Turns an Excel or CSV file of payments into valid SEPA XML files for European bank transfers and direct debits — the file format banks require but that's painful to build by hand.
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Description
European bank transfers and direct debits run on a specific XML standard called SEPA (pain.001, pain.008), and most accounting software either doesn't generate it correctly or charges enterprise prices for the privilege. GenerateSEPA solves one narrow problem well: upload an Excel, CSV or JSON file of payments, and it converts it into a valid, bank-ready SEPA XML file with IBAN validation built in.
Beyond the core conversion, it handles direct debit mandate generation with PDF storage, supports multiple company profiles for accountants managing several clients, and offers a REST API (with Python, PHP and Node.js samples) plus Zapier/Make/n8n integrations for automating the whole pipeline. It also supports legacy Spanish banking formats (Norma 34, 19, 58), which suggests its core user base is Spanish/European accounting firms. Pricing is €20/month for unlimited conversions, with optional add-ons: +€10/month for the API (with JSON support and a 99.9% uptime SLA) and +€10/month for the mandates feature. There's a 7-day free trial with no card required, and the company states data is auto-deleted within 10 minutes of conversion.
💬 Our review
The short version: GenerateSEPA does one unglamorous but genuinely painful task — building compliant SEPA XML files — well and cheaply, and the fast data-deletion policy is a real plus for anyone nervous about uploading payment data to a third party.
The realistic alternative for most businesses is their existing accounting/ERP software (Sage, QuickBooks, or a bank's own portal), which may already generate SEPA files as part of a broader suite — but often clumsily, or not at all for direct debit mandates. GenerateSEPA is worth it specifically when your existing tools can't produce clean SEPA XML and you don't want to pay for a full ERP module just to get one file format right. At €20-40/month depending on add-ons, it's cheap insurance against rejected bank files, though it's a single-purpose tool you'll be running alongside whatever handles the rest of your accounting.
💰 Pricing
📊 Global score
🤖 AI-enriched data
Base : 20 €/mois (conversions illimitées). +10 €/mois option API (JSON, SLA 99,9%). +10 €/mois option Mandats (génération PDF). Essai gratuit 7 jours sans carte.
Pros
Conversion Excel/CSV/JSON → XML SEPA valide en quelques clics
Validation IBAN et génération de mandats de prélèvement
API REST + intégrations Zapier/Make/n8n
Suppression des données sous 10 minutes après conversion
Cons
Outil mono-tâche, ne remplace pas un ERP complet
Fonctions clés (API, mandats) payantes en supplément
Support spécifique aux formats espagnols hérités, moins pertinent hors zone
Pas d'essai des fonctionnalités payantes détaillé au-delà de 7 jours