Does GenerateSEPA have an API?

Does GenerateSEPA have an API?

Yes. The GenerateSEPA API lets your ERP, SaaS platform or internal app generate SEPA XML files without going through the web interface.

TL;DR

• JSON in and out.
• HTTP Basic authentication: your API key is the username and the password is left blank. You’ll find the key in your account, in the API menu.
• Endpoints: POST /api/v2/sct (SEPA credit transfers) and POST /api/v2/sdd (SEPA direct debits, CORE or B2B). The API also validates IBANs (POST /api/v2/bank_accounts) and generates PDF mandates (/api/v2/mandates).
• Response: the SEPA XML file encoded in Base64, plus the number of operations and the total amount.
• You need an active or trial subscription; otherwise the API returns 401.
• Overview at /api; full field reference at conversorsepa.readme.io.

Example: a direct debit file

curl -X POST https://api.generatesepa.com/api/v2/sdd \
  -u "YOUR_API_KEY:" \
  -H "Content-Type: application/json" \
  -d '{
    "name": "Acme Services Ltd",
    "iban": "IE29AIBK93115212345678",
    "sepa_identifier": "IE84ZZZ123456",
    "scheme": "CORE",
    "debits": [{
      "name": "John Smith",
      "iban": "IE64IRCE92050112345678",
      "amount": 2599,
      "date": "2026-12-05",
      "description": "December subscription",
      "reference": "INV-2026-120",
      "mandate_reference": "MNDT-000123",
      "mandate_signature": "2026-01-15"
    }]
  }'

Amounts are integers in cents (2599 = €25.99) and dates use the YYYY-MM-DD format. For a credit transfer, send the same structure to /api/v2/sct with a payments array instead of debits (and without the mandate fields).

The response (HTTP 201) carries the file in the file field, Base64-encoded:

{
  "id": 700,
  "format": "SDD",
  "file": "PD94bWwgdmVyc2lvbj0iMS4wIiBlbmNvZGluZz0iVVRGLTgiPz4K...",
  "operations": 1,
  "amount": 2599,
  "name": "Acme Services Ltd",
  "sepa_identifier": "IE84ZZZ123456",
  "created_at": 1764892800
}

Decode file and you have the pain.008 (or the pain.001 for a credit transfer), ready to upload to your bank.

When does it pay off?

• Recurring, automated generation (monthly billing, payroll).
• ERP or CRM integration.
• SaaS platforms collecting from their own customers.
• Data pipelines where the operations already live in an external system.

Conclusion

Grab your API key from your account, read the API page and try a first call with a single direct debit or credit transfer.