SEPA API: integrate European payments into your product in minutes
Generate SEPA SCT and SDD files, validate IBANs and issue mandate PDFs from your own system. JSON over HTTPS with API key authentication.
Everything your development team needs
Documented REST endpoints, JSON responses and Base64-encoded files ready to process.
IBAN Validation
Check the format and get the bank name, BIC and country of any SEPA-zone IBAN with a single call.
SEPA SCT Files
Generate SEPA Credit Transfer files in XML pain.001 format, ready to upload to your bank portal.
SEPA SDD Files
Create direct debit batches with CORE and B2B schemes in XML pain.008 format.
SEPA Mandates in PDF
Issue and retrieve valid SEPA mandates as PDFs, returned as Base64 inside the JSON response for seamless integration with your signing flow.
Security & availability
HTTPS required, basic authentication with a revocable API key from your dashboard, and high availability backed by our infrastructure.
How to integrate in 4 steps
We designed the API so that a developer can make their first call in under 5 minutes.
- Create a free account and activate the API addon on your subscription.
- Copy your API key from the developer panel in your account.
- Call our endpoints with basic authentication (API key as username, password left empty or any value).
- Process the JSON response. When an endpoint returns a file (SEPA XML or mandate PDF), it arrives Base64-encoded.
Example: validate an IBAN in a single call
A POST request to /api/v2/bank_accounts returns all IBAN information in JSON format.
curl -X POST https://www.conversorsepa.es/api/v2/bank_accounts \
-u YOUR_API_KEY: \
-H "Content-Type: application/json" \
-d '{"bank_account":{"iban":"ES9121000418450200051332"}}'Expected response:
{
"status": "ok",
"iban": "ES9121000418450200051332",
"bic": "CAIXESBBXXX",
"bank": "CaixaBank",
"country": "ES"
}Typical use cases
The API fits any system that handles collections or transfers within the SEPA zone.
ERPs & management software
Automate weekly batch generation without your user having to download an Excel file and upload it to another tool.
Billing platforms
Collect recurring subscriptions via direct debit and issue valid mandates at the point of customer sign-up.
SaaS & marketplaces
Pay your suppliers or vendors with scheduled SEPA transfers from your back-office.
Available endpoints
These are the REST endpoints you can use from day one:
- POST /api/v2/bank_accounts — IBAN validation returning BIC, bank name and country.
- POST /api/v2/sct — SEPA Credit Transfer file generation (transfers).
- POST /api/v2/sdd — SEPA Direct Debit file generation (CORE and B2B).
- POST /api/v2/mandates — issue a new SEPA mandate as a PDF.
- GET /api/v2/mandates/:id — retrieve an existing mandate by its identifier.
How does API authentication work?
We use basic authentication (Basic Auth). Your API key acts as the username; the password can be left empty or set to any value — it is not used. You can obtain and regenerate your API key from the developer panel in your account.
What data format is used to send and receive data?
All communication is JSON over HTTPS. When a response includes a file (SEPA XML or mandate PDF), it is delivered as a Base64 string inside the JSON, ready to decode in your preferred language.
What endpoints are available?
IBAN validation, SEPA SCT file generation (credit transfers), SEPA SDD file generation (CORE and B2B direct debits), and SEPA mandate creation and retrieval as PDFs. You can find the full reference in our official documentation.
How much does the API cost?
API access is an addon at +10 €/month on top of any plan, with unlimited conversions. You can try it free during the trial period with no commitment.
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One addon, no surprises
Activate the API on top of any SEPA Generator plan. No lock-in, no lengthy contracts.
API Addon
+10€
per month (plus VAT)- Unlimited conversions via API
- Code samples & technical support
- High availability