About ValidateFin
The free European platform for validating SEPA, UBL, IBAN, and camt.053 financial files — trusted by finance teams and developers across 36 SEPA countries.
ValidateFin in numbers
Our mission
ValidateFin was born from a simple observation: validating SEPA, UBL, and camt.053 files is a complex and time-consuming task for finance and IT teams. Error messages from banks are cryptic, schema documentation is scattered across multiple standards bodies, and there was no free, privacy-respecting tool to check files before submission.
We built ValidateFin to solve this. All processing happens client-side, directly in your browser. Your sensitive financial data never leaves your machine — no server stores your XML files, no account is required, and no data is transmitted. This is privacy by design, not just a policy.
Standards we support
SEPA pain.001 / pain.008
ISO 20022 credit transfer and direct debit initiation — versions .003, .009, .011
UBL 2.1 / Peppol BIS 3.0
Electronic invoices and credit notes validated against EN 16931 business rules
camt.053 bank statements
ISO 20022 end-of-day statements — versions .002, .006, .008, .010, .011
IBAN validation
mod-97 checksum, country format, and SEPA zone verification for 36 countries
Factur-X / ZUGFeRD
Hybrid PDF/A-3 + XML invoice extraction and viewing — all profiles supported
XML comparator
Line-by-line diff of any two XML files — ideal for debugging validation failures
Elni Consulting
BCE BE1002.511.925
Ramillies, Belgique
Behind ValidateFin
ValidateFin is a project by Elni Consulting (BCE BE1002.511.925), a Belgian digital agency founded in 2024 and based in Ramillies (Brabant Wallon). Elni Consulting supports small businesses, independents, and SMEs in their digital transformation — from custom web development to professional IT equipment.
ValidateFin was created to fill a real gap: finance and IT teams in Belgium and Europe spend too much time validating SEPA and UBL files manually. Our goal is to make these technical standards accessible to everyone, for free.
As European e-invoicing mandates expand (France B2B in 2026, Belgium via Peppol from January 2026, Germany B2B from 2025), ValidateFin is evolving to become the go-to validation platform for the entire EU financial XML ecosystem.
Our values
Privacy first
Zero data transmitted. All processing is local in your browser, fully GDPR compliant. No tracking, no account needed.
Instant results
Client-side validation means zero latency. No server queue, no upload time — results appear as fast as your browser can parse XML.
Standards compliance
We strictly follow EPC, ISO 20022, EN 16931, and Peppol BIS Billing 3.0 standards. Our validators check both XSD schema and business rules.
Transparency
Our approach is open and documented. Every validation rule is based on published standards — you know exactly what the tool checks and why.
Technology
ValidateFin is built on modern, proven technologies:
- Frontend: Next.js 16 + React 19 + TypeScript
- Validation: 100% client-side in the browser (no backend API)
- Schemas: official EPC, ISO 20022, and Peppol XSD schemas
- i18n: 8 languages via next-intl (EN, FR, DE, NL, ES, IT, PT, PL)
Ready to validate your files?
Explore our free SEPA, UBL, IBAN, and camt.053 validation tools — no sign-up, no upload, 100% private.