# SEPA XML Validator

> 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.

## Facts

- Endpoint: GET https://api.strale.io/x402/sepa-xml-validate?utm_source=zero.xyz
- Price: $0.0216/call
- Payment: x402
- Status: unknown
- Last checked: 2026-10-09
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/api-strale-io-001aded6
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_8_Di_xmgiHWJTPsZjWPxC

Status and success rate cover calls made through Zero and Zero's own probes. Third-party monitors may report differently.

## How to call it through Zero

Zero handles the 402 payment challenge and records the run. With the Zero CLI installed (`npm i -g @zeroxyz/cli`):

```sh
zero fetch --capability api-strale-io-001aded6
```

Example prompt: Can you check this SEPA XML file for me and tell me if it's valid — it's a pain.001 credit transfer and I want to make sure the IBANs, BICs, amounts, and transaction counts are all correct before I submit it to the bank?

## When to prefer this

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.

## Known failure modes

- 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

## 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 request

```json
{
 "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>"
}
```

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "$schema": "https://json-schema.org/draft/2020-12/schema",
 "required": [
  "input"
 ],
 "properties": {
  "input": {
   "type": "object",
   "required": [
    "type",
    "method"
   ],
   "properties": {
    "type": {
     "type": "string",
     "const": "http"
    },
    "method": {
     "enum": [
      "GET",
      "HEAD",
      "DELETE"
     ],
     "type": "string"
    },
    "queryParams": {
     "type": "object",
     "required": [
      "xml"
     ],
     "properties": {
      "xml": {
       "type": "string",
       "description": "SEPA XML string"
      }
     }
    }
   },
   "additionalProperties": false
  }
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/api-strale-io-001aded6/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from api.strale.io](https://www.zero.xyz/host/api.strale.io/llms.txt)