Blog - Page 11

Desk with monitor, smartphone and finance documents. The screen shows 'Money route'.

What types of bank transfers exist, and which should your SME use?

A practical guide to transfer types: SEPA (standard and instant) and SWIFT. Learn the differences in speed, cost and intermediaries, and how to choose the right option for each payment.

Infographic showing the BIC code hierarchy from world to bank to code.

What is the BIC/SWIFT code? A quick 2026 guide for transfers

Learn what a BIC/SWIFT code is, when you need it, how it is structured (8 or 11 characters), and how it differs from IBAN so you avoid mistakes, delays and return fees.

Person holding a tablet showing a digital SEPA document in an office.

What is the SEPA document? Meaning and impact on payments

A SEPA document is a standardised XML file (ISO 20022) used by banks to process payments (pain.001) and collections (pain.008). Learn the types, structure and common rejection errors.

SEPA conversion flow from Excel through validation to bank submission.

The definitive SEPA XML converter guide for remittances in 2026

What a SEPA XML converter is, why manual remittances get rejected, and how to turn Excel/CSV or legacy AEB formats into valid ISO 20022 SEPA XML files—with validation and API automation.

Flow diagram showing three key Excel preparation steps: format, clean, and structure.

Caja Rural SEPA converter: how to convert Excel to XML without errors

A practical guide to preparing Excel/CSV data, mapping fields and validating IBANs to generate a Caja Rural-compatible SEPA XML file—reducing rejections, returns and fees.

Woman at a desk reviewing documents and using a laptop for efficient payments.

The definitive IBAN account converter guide for automating SEPA files

What an account-to-IBAN converter is, why it reduces returns, and how to automate bulk conversions (Excel/CSV or API) to generate SEPA files without errors.

Diagram illustrating the banking failure process: old CCC, conversion error and returned direct debit.

IBAN CCC conversion without errors for your business

Convert CCC to IBAN reliably: current challenges, manual Modulo 97 calculation, data cleaning, automation and real-time validation.

Man relaxed at his desk with laptop and papers, next to a Recurring Payment sign.

What is recurring payment: how it can transform your SME

Discover what recurring payment is, how SEPA direct debit works, the mandate and how to implement recurring collections in your business.

Person checking financial documents on laptop and paper, focusing on an IBAN.

How to convert your bank accounts to IBAN and avoid errors in 2026

Convert old accounts to IBAN: why it matters, Modulo 97 algorithm, Excel formula, bulk conversion, API, and how to choose a secure tool.

Practical guide to converting CCC to IBAN without errors

Convert Client Account Code (CCC) to IBAN: Modulo 97 algorithm, Excel formulas, bulk conversion and errors to avoid. Includes API and online generator.

The definitive guide to SEPA Norm 19 for businesses

SEPA Norm 19 is the XML format your company needs to collect direct debits across the SEPA area. Full guide: required data, common errors, Excel to XML conversion and API.

Person explaining bank remittance with documents and laptop

What is a bank remittance and how does SEPA management work

A bank remittance groups multiple payments or collections in a single file you send to the bank. Types, step-by-step process, SEPA vs AEB formats and how to avoid errors.