What does the Build a SEPA Direct Debit pain.008 XML skill do?

Convert collection instructions into a pain.008 SEPA direct debit XML — creditor identifier, mandate data, FRST/RCUR/OOFF/FNAL sequence types, pre-notification rules, and a worked example

How do I run the Build a SEPA Direct Debit pain.008 XML skill?

Copy the skill and paste it into your own Claude or ChatGPT, then provide your source data. FinchContext skills run inside your own AI assistant, so your financial data never leaves your control.

Which region does the Build a SEPA Direct Debit pain.008 XML skill cover?

Global. It targets the local tax authority / e-invoicing format described on this page.

Build a SEPA Direct Debit pain.008 XML

Skill: Convert collection instructions into a pain.008 SEPA Direct Debit initiation XML

Region: Global (SEPA / ISO 20022 standard) Category: Payments — ISO 20022 pain.008 Customer Direct Debit Initiation (SEPA SDD Core / B2B) Does: Takes a batch of direct-debit collections (CSV / JSON / pasted rows) and produces an ISO 20022 pain.008.001.08 CustomerDirectDebitInitiation XML for the SEPA SDD Core (or B2B) scheme — creditor identifier, mandate data, FRST/RCUR/OOFF/FNAL sequence types, due dates and pre-notification rules. Schema version: ISO 20022 pain.008.001.08 (SEPA SDD Core & B2B 2023 rulebooks)

The AI assembles the collection file; it does not debit anyone. SEPA SDD requires a valid signed mandate per debtor and lawful pre-notification (default 14 calendar days, can be shortened by agreement). Confirm the schema variant, scheme (Core vs B2B), and your bank's submission deadlines before upload.

When this applies

SEPA SDD Core — recurring/one-off euro collections from consumer or business debtors (8-week no-questions refund right).
SEPA SDD B2B — collections from business debtors only; no refund right; debtor bank verifies the mandate.
Subscription / utility / membership billing uploaded to a corporate banking channel.

Collection procedure

Read the source — CSV/JSON/pasted rows, one per collection: debtor name, debtor IBAN, amount, mandate ID, mandate signature date, and the sequence type.
Extract the creditor once — name, IBAN, BIC, the Creditor Identifier (CI), and the requested collection (due) date for the batch.
Group into Payment Information blocks — one <PmtInf> per (sequence type + due date + scheme). SEPA requires separate <PmtInf> blocks for FRST vs RCUR vs OOFF vs FNAL.
Normalize — IBANs uppercased/de-spaced; amounts 2 decimals; dates YYYY-MM-DD; sequence type uppercase enum.
Compute control sums — group and per-PmtInf NbOfTxs/CtrlSum as for pain.001.
Emit the output — one <CstmrDrctDbtInitn> document from the worked example.
Validate — work through the checklist.

Source → pain.008 field map

From the source	→ Target element
Message ID (you assign)	`GrpHdr/MsgId`
Creation timestamp	`GrpHdr/CreDtTm`
Total count / sum	`GrpHdr/NbOfTxs`, `GrpHdr/CtrlSum`
Batch reference	`PmtInf/PmtInfId`
Payment method (always `DD`)	`PmtInf/PmtMtd`
Scheme (`CORE` / `B2B`)	`PmtInf/PmtTpInf/LclInstrm/Cd`
Sequence type	`PmtInf/PmtTpInf/SeqTp`
Requested collection date	`PmtInf/ReqdColltnDt`
Creditor name / IBAN / BIC	`Cdtr/Nm`, `CdtrAcct/Id/IBAN`, `CdtrAgt/FinInstnId/BICFI`
Creditor Identifier (CI)	`CdtrSchmeId/Id/PrvtId/Othr/Id` (`SchmeNm/Prtry` = `SEPA`)
Per-collection reference	`DrctDbtTxInf/PmtId/EndToEndId`
Amount	`InstdAmt` (`Ccy="EUR"`)
Mandate ID	`MndtRltdInf/MndtId`
Mandate signature date	`MndtRltdInf/DtOfSgntr`
Debtor name / IBAN	`Dbtr/Nm`, `DbtrAcct/Id/IBAN`
Remittance information	`RmtInf/Ustrd`

Document structure

Document
└── CstmrDrctDbtInitn
    ├── GrpHdr            (MsgId, CreDtTm, NbOfTxs, CtrlSum, InitgPty)
    └── PmtInf ...        (one per sequence type + due date)
        ├── PmtInfId, PmtMtd (DD), NbOfTxs, CtrlSum
        ├── PmtTpInf/SvcLvl/Cd (SEPA), LclInstrm/Cd (CORE|B2B), SeqTp
        ├── ReqdColltnDt
        ├── Cdtr / CdtrAcct / CdtrAgt
        ├── ChrgBr (SLEV)
        ├── CdtrSchmeId  (Creditor Identifier)
        └── DrctDbtTxInf ...
            ├── PmtId/EndToEndId
            ├── InstdAmt
            ├── DrctDbtTx/MndtRltdInf (MndtId, DtOfSgntr)
            ├── DbtrAgt
            ├── Dbtr / DbtrAcct
            └── RmtInf/Ustrd

Code tables

Sequence type (`SeqTp`)

Code	Meaning
`FRST`	First collection of a recurring series
`RCUR`	Subsequent recurring collection
`OOFF`	One-off (single) collection
`FNAL`	Final collection of a series

Note: under the 2017+ rulebook FRST and RCUR may be merged operationally, but generating distinct values remains valid; keep them in separate <PmtInf> blocks.

Local instrument (`LclInstrm/Cd`)

Code	Scheme
`CORE`	SEPA Direct Debit Core
`B2B`	SEPA Direct Debit Business-to-Business

Calculation rules

CtrlSum (group and per-PmtInf) = Σ InstdAmt, 2 decimals; NbOfTxs exact counts.
All amounts in EUR.
ReqdColltnDt must respect scheme lead times from the submission date (Core D-1 for FRST/OOFF and recurring under the unified timeline; B2B D-1 business day — confirm current rulebook).
Pre-notification to the debtor at least 14 calendar days before ReqdColltnDt unless a shorter period was agreed.

Worked example (end-to-end)

Input — collection batch (JSON)

[
  {"debtor": "Jane Doe", "iban": "DE75512108001245126199", "amount": 29.99, "mandate": "MND-1001", "signed": "2025-01-10", "seq": "RCUR", "ref": "SUB-2026-06-0001"},
  {"debtor": "John Roe", "iban": "NL02ABNA0123456789", "amount": 29.99, "mandate": "MND-1002", "signed": "2026-05-02", "seq": "RCUR", "ref": "SUB-2026-06-0002"}
]

Creditor: StreamCo GmbH, IBAN DE21500500009876543210, BIC MARKDEF1100, CI DE98ZZZ09999999999, collect 2026-06-20.

Output — pain.008.001.08 XML

<?xml version="1.0" encoding="UTF-8"?>
<Document xmlns="urn:iso:std:iso:20022:tech:xsd:pain.008.001.08">
  <CstmrDrctDbtInitn>
    <GrpHdr>
      <MsgId>STRM-20260612-0001</MsgId>
      <CreDtTm>2026-06-12T10:00:00</CreDtTm>
      <NbOfTxs>2</NbOfTxs>
      <CtrlSum>59.98</CtrlSum>
      <InitgPty>
        <Nm>StreamCo GmbH</Nm>
      </InitgPty>
    </GrpHdr>
    <PmtInf>
      <PmtInfId>STRM-RCUR-20260620</PmtInfId>
      <PmtMtd>DD</PmtMtd>
      <NbOfTxs>2</NbOfTxs>
      <CtrlSum>59.98</CtrlSum>
      <PmtTpInf>
        <SvcLvl>
          <Cd>SEPA</Cd>
        </SvcLvl>
        <LclInstrm>
          <Cd>CORE</Cd>
        </LclInstrm>
        <SeqTp>RCUR</SeqTp>
      </PmtTpInf>
      <ReqdColltnDt>2026-06-20</ReqdColltnDt>
      <Cdtr>
        <Nm>StreamCo GmbH</Nm>
      </Cdtr>
      <CdtrAcct>
        <Id>
          <IBAN>DE21500500009876543210</IBAN>
        </Id>
      </CdtrAcct>
      <CdtrAgt>
        <FinInstnId>
          <BICFI>MARKDEF1100</BICFI>
        </FinInstnId>
      </CdtrAgt>
      <ChrgBr>SLEV</ChrgBr>
      <CdtrSchmeId>
        <Id>
          <PrvtId>
            <Othr>
              <Id>DE98ZZZ09999999999</Id>
              <SchmeNm>
                <Prtry>SEPA</Prtry>
              </SchmeNm>
            </Othr>
          </PrvtId>
        </Id>
      </CdtrSchmeId>
      <DrctDbtTxInf>
        <PmtId>
          <EndToEndId>SUB-2026-06-0001</EndToEndId>
        </PmtId>
        <InstdAmt Ccy="EUR">29.99</InstdAmt>
        <DrctDbtTx>
          <MndtRltdInf>
            <MndtId>MND-1001</MndtId>
            <DtOfSgntr>2025-01-10</DtOfSgntr>
          </MndtRltdInf>
        </DrctDbtTx>
        <DbtrAgt>
          <FinInstnId/>
        </DbtrAgt>
        <Dbtr>
          <Nm>Jane Doe</Nm>
        </Dbtr>
        <DbtrAcct>
          <Id>
            <IBAN>DE75512108001245126199</IBAN>
          </Id>
        </DbtrAcct>
        <RmtInf>
          <Ustrd>Subscription June 2026</Ustrd>
        </RmtInf>
      </DrctDbtTxInf>
      <DrctDbtTxInf>
        <PmtId>
          <EndToEndId>SUB-2026-06-0002</EndToEndId>
        </PmtId>
        <InstdAmt Ccy="EUR">29.99</InstdAmt>
        <DrctDbtTx>
          <MndtRltdInf>
            <MndtId>MND-1002</MndtId>
            <DtOfSgntr>2026-05-02</DtOfSgntr>
          </MndtRltdInf>
        </DrctDbtTx>
        <DbtrAgt>
          <FinInstnId/>
        </DbtrAgt>
        <Dbtr>
          <Nm>John Roe</Nm>
        </Dbtr>
        <DbtrAcct>
          <Id>
            <IBAN>NL02ABNA0123456789</IBAN>
          </Id>
        </DbtrAcct>
        <RmtInf>
          <Ustrd>Subscription June 2026</Ustrd>
        </RmtInf>
      </DrctDbtTxInf>
    </PmtInf>
  </CstmrDrctDbtInitn>
</Document>

Normalization notes: amounts 29.99 kept to 2 decimals; CtrlSum 29.99 + 29.99 = 59.98; sequence type forced to a separate RCUR <PmtInf>.

Validation checklist

xmlns matches the exact pain.008 version your bank accepts
One <PmtInf> per sequence type (FRST/RCUR/OOFF/FNAL)
LclInstrm/Cd matches the scheme (CORE vs B2B) on every mandate
Creditor Identifier present, well-formed, SchmeNm/Prtry = SEPA
Each collection carries MndtId + DtOfSgntr from a valid signed mandate
NbOfTxs/CtrlSum reconcile at group and PmtInf level
ReqdColltnDt respects scheme lead time; debtor pre-notified
Validated against the official ISO 20022 XSD and bank guidelines

Last updated: 2026-06-12 — confirm the active pain.008 version, SEPA SDD Core/B2B rulebook lead times, and your bank's submission cut-offs before use.