Cat-15 · E-Invoicing / VAT / ViDA

Invoice-to-ISO 20022 Bridge (pain.001 Generator)

Transform structured e-invoice payment data into ISO 20022 pain.001.001.09 payment initiation XML. Maps payee IBAN/BIC, amount, due date, and generates an ISO 11649 structured creditor reference (RF). Outputs downloadable pain.001 XML and Policy Mandate JSON payment instruction stub. Client-side. Zero PII.

Zero PII · Client-side
Last Reviewed · 2026-05-12
ISO 20022 pain.001 E-Invoice Export Policy Mandate Client-Side
Invoice Payment Details
🔒 All inputs are processed locally in your browser. No data is transmitted. Do not enter real personal data — use synthetic or anonymised inputs only.
Invoice Reference
Creditor (Payee)
IBAN validated on-device only. Not transmitted.
Debtor (Payer)
Debtor account is optional in pain.001 — may be pre-filled by debtor's bank.
Generated Output
📄
Fill in the invoice details and click Generate.
Sources & References
  1. ISO 20022 — pain.001.001.09 Customer Credit Transfer Initiation (SEPA SCT and CBPR+). Published by ISO TC68/SC9. Schema: urn:iso:std:iso:20022:tech:xsd:pain.001.001.09.
  2. European Payments Council (EPC), SEPA Credit Transfer (SCT) Rulebook v1.1, November 2023. Defines pain.001 usage for SEPA Credit Transfers including SvcLvl=SEPA.
  3. ISO 11649:2009 — Financial services — Core banking — Structured creditor reference to remittance information. Defines the RF reference format and MOD 97 check digit algorithm.
  4. Swift CBPR+ — pain.001 Cross-Border Payments and Reporting Plus usage guidelines for cross-currency payments.
  5. EN 16931-1:2017 — Electronic invoicing — Part 1: Semantic data model. BT-84 (payment account identifier / IBAN) and BT-89 (payment reference) map to pain.001 creditor account and end-to-end reference.