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SEPA XML Validator
x402
SEPA XML Validator is a paid API for AI agents from api.strale.io, paid per call via x402, $0.0216/call, status unknown (last checked 2026-10-09).
Validates SEPA XML payment files (pain.001 credit transfer and pain.008 direct debit) by checking structure, IBANs, BICs, amounts, and transaction counts.
Price / call$0.0216
Success—
StatusUnknown
How this service works
Validate SEPA XML files (pain.001 credit transfer, pain.008 direct debit). Checks structure, IBANs, BICs, amounts, transaction counts.
Output
Returns a validation report indicating whether the SEPA XML is structurally valid, with details on any errors found in IBANs, BICs, amounts, transaction counts, and overall XML structure conformance to pain.001 or pain.008 schemas.
Example use cases
Batch payment file compliance check
“I'm processing a batch of employee payroll transfers in SEPA format and need to validate the pain.001 XML before sending it to our bank — can you check all the IBANs, BICs, and amounts to make sure everything is correct and there are no structural issues?”
Direct debit setup validation
“We're setting up a new pain.008 direct debit XML file for collecting customer subscriptions across Europe, and I want to verify the file is valid and all the transaction counts match what we're expecting before we submit it to our payment processor.”
Failed payment file debugging
“Our bank rejected our SEPA payment XML file yesterday but didn't give us clear feedback on what was wrong — can you validate this pain.001 file and tell me exactly which IBANs, amounts, or structure issues are causing the rejection so we can fix it?”
Technical details
Endpoint
GEThttps://api.strale.io/x402/sepa-xml-validate?utm_source=zero.xyzWhen to prefer
Use this endpoint when you need to validate SEPA payment XML files (pain.001 credit transfers or pain.008 direct debits) before submission to a bank or payment processor, especially when you need granular feedback on IBAN/BIC validity, amounts, and transaction counts rather than just structural XML well-formedness.
Side effects
- Missing or empty xml query parameter — returns error indicating required field
- Malformed XML that cannot be parsed — returns parse error details
- XML that doesn't conform to pain.001 or pain.008 namespace — returns schema mismatch error
- Network timeout if XML payload is very large
- Invalid IBAN format detected and reported in validation output
Input
{
"xml": "<?xml version=\"1.0\" encoding=\"UTF-8\"?><Document xmlns=\"urn:iso:std:iso:20022:tech:xsd:pain.001.003.02\"><CstmrCdtTrfInitn><GrpHdr><MsgId>MSG001</MsgId><CreDtTm>2024-01-15T10:00:00</CreDtTm><NbOfTxns>1</NbOfTxns><CtrlSum>100.00</CtrlSum></GrpHdr><PmtInf><PmtInfId>PMTINF001</PmtInfId><PmtMtd>TRF</PmtMtd><NbOfTxns>1</NbOfTxns><CtrlSum>100.00</CtrlSum><Dbtr><Nm>Test Company</Nm><PstlAdr><Ctry>DE</Ctry></PstlAdr></Dbtr><DbtrAcct><Id><IBAN>DE89370400440532013000</IBAN></Id></DbtrAcct><DbtrAgt><FinInstnId><BIC>COBADEFFXXX</BIC></FinInstnId></DbtrAgt><CdtTrfTxInf><PmtId><InstrId>INSTR001</InstrId><EndToEndId>E2E001</EndToEndId></PmtId><Amt><InstdAmt Ccy=\"EUR\">100.00</InstdAmt></Amt><Cdtr><Nm>Test Recipient</Nm></Cdtr><CdtrAcct><Id><IBAN>DE89370400440532013001</IBAN></Id></CdtrAcct><CdtrAgt><FinInstnId><BIC>COBADEFFXXX</BIC></FinInstnId></CdtrAgt></CdtTrfTxInf></PmtInf></CstmrCdtTrfInitn></Document>"
}Schema · Request body
| Field | Type | Description |
|---|---|---|
| inputrequired | object |
Output
{
"_meta": {
"payment": {
"method": "x402",
"price_usd": 0.0216,
"settlement_id": "0x988bbeefb5cf2b901025af65536819e7887ba70f92cca7b86cb621599c60b3c0"
},
"capability": "sepa-xml-validate",
"latency_ms": 0,
"provenance": {
"source": "algorithmic",
"fetched_at": "2026-06-13T04:24:45.058Z"
}
},
"valid": false,
"debtor": {
"bic": null,
"iban": null,
"name": null
},
"errors": [
{
"path": "Document",
"message": "Cannot determine SEPA message type. Expected pain.001 (credit transfer) or pain.008 (direct debit)."
},
{
"path": "GrpHdr/NbOfTxs",
"message": "Missing NbOfTxs (Number of Transactions)."
},
{
"path": "PmtInf",
"message": "No PmtInf (Payment Information) blocks found."
},
{
"path": "GrpHdr/CtrlSum",
"message": "Control sum mismatch: CtrlSum declares 100, but computed total is 0."
}
],
"schema": "pain.001.003.02",
"currency": "EUR",
"warnings": [],
"message_id": "MSG001",
"message_type": null,
"total_amount": 0,
"creation_date": "2024-01-15T10:00:00",
"payment_count": 0,
"creditor_count": 0
}Tags
x402
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