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pepperbay/sepa-swift-xml
========================

Creates an XML file for a Single Euro Payments Area (SEPA) Credit Transfer.

2.0.4(6y ago)6633LGPL-3.0-or-laterPHPPHP >=5.3.2

Since Jul 12Pushed 6y ago4 watchersCompare

[ Source](https://github.com/pepperbay/php-swift-sepa-xml)[ Packagist](https://packagist.org/packages/pepperbay/sepa-swift-xml)[ RSS](/packages/pepperbay-sepa-swift-xml/feed)WikiDiscussions master Synced 2d ago

READMEChangelog (3)Dependencies (1)Versions (21)Used By (0)

sepa-swift-xml
==============

[](#sepa-swift-xml)

Master: [![Build Status](https://camo.githubusercontent.com/58aea40739e7b17fd3a1415528b822048bea6eeed3f9ecd21db8c116a8c03b78/68747470733a2f2f7472617669732d63692e636f6d2f7065707065726261792f7068702d73776966742d736570612d786d6c2e7376673f6272616e63683d6d6173746572)](http://travis-ci.org/pepperbay/php-swift-sepa-xml)

SEPA and SWIFT file generator for PHP.

Creates XML files for the Single Euro Payments Area (SEPA) or SWIFT Credit Transfer and Direct Debit Payments Initiation messages. These SEPA XML messages are a subset of the "ISO20022 Universal financial industry message scheme".

License: GNU Lesser General Public License v3.0

The versions of the standard followed are:

- *pain.001.002.03* (or *pain.001.001.03*) for credit transfers
- and *pain.008.002.02* (or *pain.008.001.02*) for direct debits (currently only SEPA)

Institutions and associations that should accept this format:

- Deutsche Kreditwirtschaft
- Fédération bancaire française
- ING (tested on direct credit, use *pain.001.001.03*)
- Societé Générale (tested on direct credit, use *pain.001.001.03*)
- Spain: CaixaBank
- Spain: SantanderBank

Always verify generated files with your bank before using in production! If you encounter an institution that does accept this library's generated files please notify us to add it to the list or send a PR!

Installation
------------

[](#installation)

### Composer

[](#composer)

This library is available in packagist.org, you can add it to your project via Composer.

In the "require" section of your composer.json file:

Always up to date (bleeding edge, API *not* guaranteed stable)

```
"pepperbay/php-swift-sepa-xml" : "dev-master"
```

Specific version, API stability

```
"pepperbay/php-swift-sepa-xml" : "2.0.*"
```

Documentation
-------------

[](#documentation)

- [handling Direct Debits](doc/direct_debit.md)
- [handling Credit Transfers](doc/direct_credit.md)

External Resources
------------------

[](#external-resources)

- [Official ISO20022 Website](https://www.iso20022.org/)
- [ISO20022 Message Catalog](https://www.iso20022.org/full_catalogue.page)
- [ISO 20022 in XMLdation's wiki](https://wiki.xmldation.com/General_Information/ISO_20022)
- [InstdAmt vs. EqvtAmt](https://wiki.xmldation.com/General_Information/ISO_20022/Difference_between_InstdAmt_and_EqvtAmt)
- [CreditorIdentifier explanation](http://www.sepaforcorporates.com/sepa-direct-debits/sepa-creditor-identifier/)
- [SEPA Externded Character Set reference](http://www.sepahungary.hu/uploads/files/EPC217-08%20Best%20Practices%20-SEPA%20Requirements%20for%20Character%20Set.pdf)
- [ECB SEPA gateway page](http://www.ecb.europa.eu/paym/retpaym/html/index.en.html)
- [SEPA for Corporates Blog](http://www.sepaforcorporates.com/)

Special Credits
---------------

[](#special-credits)

This package is based on the package [php-sepa-xml](https://github.com/php-sepa-xml/php-sepa-xml)

###  Health Score

31

—

LowBetter than 68% of packages

Maintenance20

Infrequent updates — may be unmaintained

Popularity16

Limited adoption so far

Community7

Small or concentrated contributor base

Maturity67

Established project with proven stability

How is this calculated?**Maintenance (25%)** — Last commit recency, latest release date, and issue-to-star ratio. Uses a 2-year decay window.

**Popularity (30%)** — Total and monthly downloads, GitHub stars, and forks. Logarithmic scaling prevents top-heavy scores.

**Community (15%)** — Contributors, dependents, forks, watchers, and maintainers. Measures real ecosystem engagement.

**Maturity (30%)** — Project age, version count, PHP version support, and release stability.

###  Release Activity

Cadence

Every ~116 days

Recently: every ~48 days

Total

20

Last Release

2478d ago

Major Versions

0.10.1 → 1.0.02014-12-15

1.4.0 → 2.0.02019-01-18

### Community

Maintainers

![](https://www.gravatar.com/avatar/c5bd0e72e7e9fc1fbe70ffa66e3b9d0e5b1decd1f3cf4359a9cb1915bbf9857a?d=identicon)[mhira](/maintainers/mhira)

---

Tags

xmlsepaBanking

###  Code Quality

TestsPHPUnit

### Embed Badge

![Health badge](/badges/pepperbay-sepa-swift-xml/health.svg)

```
[![Health](https://phpackages.com/badges/pepperbay-sepa-swift-xml/health.svg)](https://phpackages.com/packages/pepperbay-sepa-swift-xml)
```

###  Alternatives

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1.8k242.8M229](/packages/masterminds-html5)[abcaeffchen/sephpa

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