README

PHP class to creating SEPA files (XML) for credit transfers and direct debits in accordance with version 3.9 of the specification for remote data transmission between customer and bank according to the DFÜ agreement for the German banking industry.

The versions of the standard followed are:

• pain.001.001.09_GBIC_5.xsd for credit transfers
• pain.008.001.08_GBIC_5.xsd for direct debits

Always verify the generated files at your bank before using them in production!

License: BSD 2-Clause License

Installing

The recommended way to install php-sepa is through Composer.

composer require ufozone/php-sepa

Example of using SEPA Credit Transfer

$validatorFactory = new \ufozone\phpsepa\Sepa\Validator\Factory();
$executionDate = new \DateTimeImmutable('+2 day');

$sepa = new \ufozone\phpsepa\Sepa\CreditTransfer($validatorFactory);
$sepa->setInitiator('Max Mustermann');                   // Einreicher
$sepa->setId('MSG-20240224-1');                          // Nachrichtenreferenz

$payment = new \ufozone\phpsepa\Sepa\Payment($validatorFactory);
//$payment->setPriority('HIGH');                           // Prioritaet: NORM oder HIGH
$payment->setAccountName('Max Mustermann');              // Auftraggeber (Debitor)
$payment->setAccountIban('DE02370502990000684712');      // Auftraggeber IBAN
$payment->setAccountBic('COKSDE33');                     // Auftraggeber BIC
//$payment->setAccountCurrency('EUR');                     // Kontowaehrung
//$payment->disableBatchBooking();                         // Sammelbuchung deaktivieren
$payment->setExecutionDate($executionDate);              // Gewuenschter Ausfuehrungstermin

$transactionPostalAddress = new \ufozone\phpsepa\Sepa\PostalAddress($validatorFactory);
$transactionPostalAddress->setStreetName('Musterstraße 12a')
    ->setPostBox('12345')
    ->setTownName('Musterstadt')
    ->setPostCode('12345')
    ->setCountry('DE');

$transaction = new \ufozone\phpsepa\Sepa\Transaction($validatorFactory);
$transaction->setEndToEndId('R2017742-1')                // Transaktions-ID (eindeutig)
    ->setName('Karl Kümmel')                             // Name des Zahlungsempfaengers (Creditor)
    ->setPostalAddress($transactionPostalAddress)        // Adresse des Zahlungsempfaengers
    ->setIban('DE02300209000106531065')                  // IBAN des Zahlungsempfaengers
    ->setBic('CMCIDEDD')                                 // BIC des Zahlungsempfaengers
    ->setAmount(123.45)                                  // Betrag
    ->setPurpose('SALA')                                 // (optional) Zahlungstyp
    ->setReference('Lohn/Gehalt Januar 2026');           // Verwendungszweck (eine Zeile, max. 140 Zeichen)

$payment->addTransaction($transaction);

$transaction = new \ufozone\phpsepa\Sepa\Transaction($validatorFactory);
$transaction->setEndToEndId('R2017742-2')
    ->setName('Doris Dose')
    ->setIban('DE02500105170137075030')
    ->setBic('INGDDEFFXXX')
    ->setAmount(234.56)
    ->setReference('Kleinanzeigen Kinderfahrrad');

$payment->addTransaction($transaction);

$sepa->addPayment($payment);

$xml = new \ufozone\phpsepa\Sepa\Xml($sepa);
$xml->download('sepa.xml');

Example of using SEPA Direct Debit

$validatorFactory = new \ufozone\phpsepa\Sepa\Validator\Factory();
$executionDate = new \DateTimeImmutable('+5 day');

$sepa = new \ufozone\phpsepa\Sepa\DirectDebit($validatorFactory);
$sepa->setInitiator('Max Mustermann');                   // Einreicher
$sepa->setId('MSG-20240224-1');                          // Nachrichtenreferenz

$payment = new \ufozone\phpsepa\Sepa\Payment($validatorFactory);
//$payment->setScope('CORE');                              // Lastschriftart (CORE oder B2B)
$payment->setSequence('OOFF');                           // Sequenztyp (FRST, RCUR, OOFF, FNAL)
$payment->setAccountName('Max Mustermann');              // Auftraggeber (Creditor)
$payment->setAccountIban('DE02200505501015871393');      // Auftraggeber IBAN
$payment->setAccountBic('HASPDEHHXXX');                  // Auftraggeber BIC
$payment->setCreditorId('DE98ZZZ09999999999');           // Glaeubigeridentifikationsnummer
//$payment->setAccountCurrency('EUR');                     // Kontowaehrung
//$payment->disableBatchBooking();                         // Sammelbuchung deaktivieren
$payment->setExecutionDate($executionDate);              // Gewuenschter Ausfuehrungstermin

$transactionPostalAddress = new \ufozone\phpsepa\Sepa\PostalAddress($validatorFactory);
$transactionPostalAddress->setStreetName('Musterstraße 12a')
    ->setPostBox('12345')
    ->setTownName('Musterstadt')
    ->setPostCode('12345')
    ->setCountry('DE');

$transaction = new \ufozone\phpsepa\Sepa\Transaction($validatorFactory);
$transaction->setEndToEndId('R2017742-1')                // Transaktions-ID (eindeutig)
    ->setName('Karl Kümmel')                             // Name des Zahlungspflichtigen (Debitor)
    ->setPostalAddress($transactionPostalAddress)        // Adresse des Zahlungspflichtigen
    ->setIban('DE02700100800030876808')                  // IBAN des Zahlungspflichtigen
    ->setBic('PBNKDEFFXXX')                              // BIC des Zahlungspflichtigen
    ->setAmount(123.45)                                  // Abzubuchender Betrag
    ->setPurpose('SCVE')                                 // (optional) Zahlungstyp
    ->setMandateId('M20170704-200')                      // Mandatsreferenz
    ->setMandateDate('2017-07-04')                       // Datum Mandatserteilung (YYYY-MM-DD)
    ->setReference('Rechnung R2017742 vom 17.06.2017');  // Verwendungszweck (eine Zeile, max. 140 Zeichen)

$payment->addTransaction($transaction);

$sepa->addPayment($payment);

$xml = new \ufozone\phpsepa\Sepa\Xml($sepa);
$xml->download('sepa.xml');

Running tests

vendor/bin/phpunit

External Resources

• German specification for remote data transfer between customer and bank according to the DFÜ agreement "Specification of Data Formats"
• ECB SEPA gateway page
• ISO20022 Message Catalog