See index.php for an example how to create a SEPA message.

• Set the namespace according to your requirements. By default, the EPC message scheme urn:iso:std:iso:20022:tech:xsd:pain.008.001.02 is set.
  
• Note that the SEPAGroupHeader must exist only once per message.
• Per message you can include multiple SEPAPaymentInfo blocks (e.g. one per debit sequence type).
• Per SEPAPaymentInfo block multiple transactions SEPADirectDebitTransaction may be added.
• It is possible to validate a message against an XSD scheme prior to generating an XML file. Therefore, have a look at the commented statement near the end of index.php. Currently, we include out-of-the-box support for the following schemes:
  • EPC: pain.008.001.02
  • Austria:
    • pain.008.001.02.austrian.004.Korrigendum
    • pain.008.001.02.austrian.003
  • Germany:
    • pain.008.001.02_GBIC_3 (valid from 17.11.2019)
    • pain.008.001.02_GBIC_2 (valid from 18.11.2018)
    • pain.008.001.02_GBIC_1 (valid from 20.11.2016)
    • pain.008.003.02

The Single Euro Payments Area (SEPA) is a payment-integration initiative of the European Union for simplification of bank transfers denominated in euro. Based on your input data, this script facilitates the process of generating a SEPA-compliant XML file for direct debit.

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