Can I see requests and responses in various cases?
Yes. The API reference includes a request and response example for every endpoint. Here are the most common cases.
SEPA credit transfer (SCT)
curl -X POST https://api.generatesepa.com/api/v2/sct \
-u "YOUR_API_KEY:" \
-H "Content-Type: application/json" \
-d '{
"name": "Acme Services Ltd",
"iban": "IE29AIBK93115212345678",
"payments": [{
"name": "Murphy Supplies Ltd",
"iban": "IE64IRCE92050112345678",
"amount": 125000,
"date": "2026-12-05",
"description": "Invoice F-2026-311",
"reference": "PAY-311"
}]
}'
amount is in cents (125000 = €1,250.00). Optional field: reason, with salary (payroll, code SALA) or pension (code PENS); without it, the file uses the code OTHR.
SEPA direct debit, CORE or B2B (SDD)
Same structure on /api/v2/sdd, with sepa_identifier (your Creditor Identifier) at the top level and a debits array. Each debit adds mandate_reference (the UMR) and mandate_signature (the date the mandate was signed, YYYY-MM-DD). The scheme field defaults to CORE; send B2B for a business-to-business direct debit.
The generated file always uses the sequence type RCUR, including the first collection on a mandate: EPC rules have allowed this since November 2016.
Several dates in one call
If your operations have different dates, the API groups them by date: one file, with one payment block (PmtInf) per date.
Successful response (201)
{
"id": 701,
"format": "SCT",
"file": "PD94bWwgdmVyc2lvbj0iMS4wIiBlbmNvZGluZz0iVVRGLTgiPz4K...",
"operations": 1,
"amount": 125000,
"name": "Acme Services Ltd",
"sepa_identifier": null,
"created_at": 1764892800
}
file holds the Base64-encoded XML and created_at is a Unix timestamp.
Errors
- 401: missing or wrong API key (HTTP Basic authentication rejected), or an account without an active subscription. In the latter case, the body is
{"error": "..."}. - 422: invalid data. The body contains
errors, with one message per problem found (invalid IBAN, missing description, mandate date in the future, and so on).
{
"errors": ["El adeudo para John Smith tiene un IBAN inválido"]
}
Validation messages are currently written in Spanish.
Conclusion
Start from the example closest to your case, test it with a single operation, then send the full batch.
