How to automate SEPA with Zapier

How to automate SEPA with Zapier

Wire GenerateSEPA with your apps (Stripe, HubSpot, Airtable) using Zapier and generate SEPA files automatically.

TL;DR

• Estimated time: 5–15 minutes depending on file size.
• Tool: GenerateSEPA.
• Result: a SEPA XML file ready for your bank.

Before you start

You need:

• A source file (Norma, CSV, Excel or JSON).
• Your Creditor Identifier (CID). If you don’t have one yet, compute it at SEPA Creditor Identifier.
• Access to your bank’s online portal.

Steps

1. Create a GenerateSEPA account — You need a plan with API/connector enabled.
2. Connect the data source — Use Stripe, HubSpot, Airtable, Sheets triggers or the generic HTTP module.
3. Map the fields — Make sure iban, name, amount, mandate_id, concept are mapped correctly.
4. Call the GenerateSEPA API — POST the payload and get the SEPA XML back.
5. Store or forward the XML — Save to Drive/S3 or email it to your finance team to upload to the bank.

Mandatory validation

Before sending the file, always validate with our SEPA XML Validator. 80% of returns are caught here.

Common errors

• Wrong check digit in debtor IBAN → AC01.
• Unsigned mandate or wrong date → MD01.
• Concept with non-ASCII characters → some banks reject it.

Conclusion

Follow these steps and your batch will be sent in under 10 minutes. If you get stuck, ping us from the site.