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Online SEPA direct debit software —
Creditor ID, mandates and XML file in 2 minutes
Import your list of direct debits from a CSV or Excel, enter your SEPA creditor identifier and the mandate references (UMR): EasyBankFlow instantly generates an ISO 20022 compliant pain.008 XML file, ready to import into your bank.
How does the SEPA direct debit software work?
Three steps are all it takes to create your SEPA pain.008 XML file.
Prepare your file
List your direct debits in a CSV or Excel: debtor IBAN, amount, mandate reference (UMR), signature date. Download our Excel template if needed.
Import and enter your creditor identifier
Drag and drop your file, select "SEPA Direct Debit" (pain.008) and enter your IBAN, BIC and SEPA creditor identifier.
Download and import
Download your SEPA XML file and import it directly into your bank's business portal.
The SEPA creditor identifier: how to get one?
The SEPA creditor identifier is a unique code that identifies your company as an issuer of SEPA direct debits. It is assigned by the central bank, but the application always goes through your bank: it submits the file and gives you the code once validated. Without a valid creditor identifier, your pain.008 files will be rejected by your bank.
EasyBankFlow lets you enter your creditor identifier manually, or save several creditor identifier profiles (Pro plan) if you manage several entities, activities or brands — handy to avoid re-entering it for each conversion.
SEPA mandate and unique mandate reference
Before any direct debit, your customer must sign a SEPA mandate authorising you to debit them. This mandate carries a unique reference, the UMR (Unique Mandate Reference), as well as a signature date. Both pieces of information must appear in the pain.008 file for each direct debit.
Our direct debit Excel template directly includes the UMR and signature date columns, to generate a compliant file without input errors.
Compatible with all European banks
The generated pain.008 files comply with the ISO 20022 standard and are accepted by all institutions in the SEPA zone.
Why online SEPA software rather than installed?
Traditional SEPA software (Sage, EBP, CEGID) requires an expensive licence and a complex installation. EasyBankFlow runs in the browser, with nothing to install.
| Criterion | EasyBankFlow | Installed software (Sage, EBP…) |
|---|---|---|
| Installation | ✓ None | ✗ Required |
| Entry price | ✓ Free (3 files/month) | ✗ Licence + subscription |
| Creditor identifier management | ✓ Saved creditor identifier profiles (Pro) | Varies by vendor |
| Mandate / UMR | ✓ Dedicated columns in the template | Varies by vendor |
| Supported formats | ✓ CSV, Excel (.xlsx, .xls, .xlsm) | Varies by vendor |
| Direct debit (pain.008) | ✓ Yes | Depending on licence |
Frequently asked questions
What is SEPA direct debit software?
SEPA direct debit software lets you create pain.008 XML files to debit your customers in the SEPA zone. EasyBankFlow works directly in the browser, without installation, from your CSV or Excel files.
What is the SEPA creditor identifier?
The SEPA creditor identifier is a unique code assigned by the central bank to any company issuing SEPA direct debits. The application is made via your bank, which submits the file. Without a valid creditor identifier, your direct debit files will be rejected.
What are a SEPA mandate and a unique mandate reference?
A SEPA mandate is the authorisation signed by your customer allowing you to debit them. Each mandate has a unique reference (UMR) and a signature date, to be entered in the pain.008 file.
How to create a SEPA direct debit file with EasyBankFlow?
Prepare your CSV or Excel file with the debtor IBAN, amount, UMR and mandate signature date columns. Import it into EasyBankFlow, select "SEPA Direct Debit", enter your IBAN, BIC and creditor identifier, then download the generated pain.008 XML file.
Is the software free?
EasyBankFlow is free for up to 3 files per month. For unlimited conversions and saving several creditor identifier profiles, the Pro plan is available from €9/month.
What is the difference between pain.001 and pain.008?
The pain.001 format is used for SEPA credit transfers (you send money to another account). The pain.008 format is used for SEPA direct debits (you debit your customers with their consent). EasyBankFlow generates both formats.
Ready to create your first SEPA direct debit file?
Free, no installation, compatible with all banks.
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