SEPA Generator is a local desktop application for creating and validating ISO 20022 SEPA payment files from CSV and Excel data. It is designed for finance, treasury, accounting and ERP-related workflows where payment data should remain on the user's computer. The free, open-source Community edition supports SEPA Credit Transfer generation with pain.001.001.02, pain.001.001.03 and pain.001.001.09. SEPA Generator Pro adds SEPA Direct Debit for CORE and B2B, official XSD validation, external XML v