pain.008 File Generator
Create SEPA direct debit files in pain.008 format compliant with ISO 20022. Manage your mandates (RUM), configure your creditor ID (ICS) and download a validated XML for your bank.
How to create a pain.008 file
Set up your mandates
Enter the mandate ID (RUM), signature date and sequence type (FRST, RCUR, OOFF, FNAL).
ICS and schema validation
The generator checks your ICS, debtor IBANs and validates the file against the official pain.008 XSD schema.
Download the file
Get a compliant pain.008 ready for bank submission, with the correct collection date and sequence types.
Benefits of the pain.008 generator
Full mandate management
Enter the RUM, signature date and sequence type for each debtor — everything is embedded in the XML file.
Automatic ICS checks
The SEPA Creditor Identifier (ICS) is verified automatically to prevent bank rejections.
Batch import from Excel
Import hundreds of mandates from a CSV or Excel file and generate a single pain.008 in seconds.
pain.008 FAQ
What is the pain.008 format?
pain.008 (Payment Initiation — Customer Direct Debit Initiation) is the ISO 20022 message used to initiate SEPA direct debits. It contains creditor information, debtor details, mandate data and the amounts to collect.
Do I need a creditor identifier (ICS)?
Yes. The SEPA Creditor Identifier (ICS/SCI) is mandatory for issuing SEPA direct debits. It is assigned by your bank or national central bank.
What is the difference between FRST, RCUR, OOFF and FNAL?
These codes indicate the sequence type of the direct debit: FRST for the first in a series, RCUR for subsequent ones, OOFF for a one-off collection and FNAL for the last in a series.
Generate your SEPA direct debits now
Try free with 2 mandates per file, no commitment required.