Payment QA · ISO 20022

pain.002 & camt.054 generator: simulate the bank's answer

Paste a SEPA pain.001.001.09 credit transfer file and get the status report (pain.002.001.10) and debit notification (camt.054.001.08) a bank could send back. Test accepted files, rejected files and partial rejections in your ERP or payment integration without waiting for a bank. Every output passes the official ISO 20022 XSD.

1. Your pain.001

Files are processed in memory and not stored. Use synthetic test data, not real payment files.

2. Bank response

Paste a pain.001 file or press Try with a sample file. You will get the pain.002 status report and, for booked payments, the camt.054 notification.

Need this in your CI or test environment?

We are building an API that answers your test payments like a bank: per-bank profiles, returns and reversals, camt.053 statements and US ACH returns. Tell us what you integrate with and get early access.

FAQ

What does the bank response generator do?

It reads a SEPA pain.001.001.09 credit transfer file and builds the pain.002.001.10 status report and camt.054.001.08 debit notification a bank could send back, so you can test how your ERP or payment integration handles acceptances, rejections and partial rejections.

Are the responses what my bank will send?

No. They are synthetic, schema-valid test messages. Real banks add their own fields, codes and timing; use your bank's test environment before going live.

Which status reason codes are available?

Common ISO external status reason codes for SEPA credit transfers, such as AC01 incorrect account number, AC04 closed account, AM04 insufficient funds, AM05 duplicate and FF01 invalid file format.

Is my file stored?

No. The file is processed in memory to build the response and is not saved. Use synthetic test data, not real payment files.

Related: test IBAN numbers · IBAN validator · API docs

IBANgen provides synthetic QA data. Simulated responses do not reflect how any real bank processes a file.