About ValidateFin

The free platform for validating financial files: e-invoicing (Peppol, XRechnung, Factur-X, KSeF, FatturaPA, e-Factura, Verifactu, Facturae), payments (SEPA, ACH, Fedwire, CPA-005) and bank statements (camt.053, MT940, BAI2, CODA, CFONB). Everything runs in your browser — nothing is ever uploaded.

ValidateFin in numbers

32Free tools

20+Standards supported

8Languages

36SEPA countries covered

0Cost - forever free

0 bytesData transmitted to servers

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

E-invoicing

UBL / Peppol Validator

Validate UBL 2.1 invoices and Peppol BIS 3.0 rules. No file uploaded - 100% client-side.

XRechnung Validator

Validate a German XRechnung (UBL) invoice against EN 16931 + KoSIT BR-DE rules. 100% client-side.

KSeF FA(3) Validator

Validate a Polish KSeF FA(3) invoice against the official Ministry of Finance XSD. 100% client-side.

FatturaPA Validator (Italy)

Check an Italian e-invoice against the official Agenzia delle Entrate XSD AND the Sistema di Interscambio controls, returning the exact rejection code (00421, 00422, 00427, 00445, 00471…). Signed .p7m envelopes included. 100% in your browser.

RO e-Factura Validator (Romania)

Check a Romanian e-invoice against the OFFICIAL CIUS-RO Schematron of the Ministry of Finance (ro16931-ubl-1.0.9), the OASIS UBL 2.1 XSD, and the CUI/CNP check ANAF runs outside the Schematron (ERRIdentif) — the one most tools miss. 100% in your browser.

Verifactu Validator (Spain)

Validate a Spanish Verifactu billing record (SIF) against the official AEAT XSD AND its rejection controls, with the exact code (1142, 1177, 1189/1190, 1223…). Recomputes the huella: chained SHA-256. 100% in your browser.

Facturae Validator (Spain)

Validate a Spanish Facturae invoice (the B2G format used with FACe) against the OFFICIAL facturae.gob.es XSD — versions 3.2, 3.2.1 and 3.2.2 — plus coherence controls from the schema's own formulas, the NIF form and the XAdES signature. 100% in your browser.

NAV Online Számla Validator

Validate a Hungarian NAV Online Számla 3.0 invoice against the official XSD, with the tax authority's own rejection codes. 100% client-side.

JPK_V7M(3) Validator

Validate a Polish JPK_V7M(3) VAT control file against the official Ministry of Finance XSD, and check that the registers feed the declaration. 100% client-side.

Factur-X / ZUGFeRD Validator

Read hybrid PDF/A-3 invoices. Extract embedded XML (EN 16931) and visualize billing data. 100% local.

Payments & transfers

SEPA Viewer & Validator

Validate pain.001 and pain.008 files instantly. No file uploaded - 100% client-side processing.

pain.002 Status Report Reader

Read a SEPA payment status report (pain.002) and get every rejection reason code (AC04, AM04, MD01…) explained in plain language. 100% in your browser.

ACH / NACHA Validator (US)

Validate a US ACH file in the Nacha format: 94-character records, control totals, entry hash and ABA routing check digits. 100% client-side.

SEPA QR Code Generator & Validator

Generate an EPC QR code for a SEPA credit transfer, or decode and validate any payment QR code — EPC or Swiss QR-bill, from an image or a payload. 100% in your browser.

CPA-005 Validator (Canada)

Validate a Canadian CPA-005 / AFT payment file (1,464-character records, EFT 1464): record sequence, origination control data, the four pairs of trailer totals and the 900-series return reason codes. 100% in your browser.

Fedwire ISO 20022 Validator

Check a Fedwire pacs.008/pacs.009 message against the official ISO 20022 schemas, including the hybrid address rule effective 16 Nov 2026. 100% in your browser.

MT103 Viewer

Decode a SWIFT MT103 credit transfer field by field — headers, parties, charges and UETR. 100% in your browser.

CSV → SEPA Converter

Generate pain.001 (credit transfer) or pain.008 (direct debit) files from any CSV. Visual column mapping, 100% local.

SEPA Date Calculator & TARGET Calendar

Work out the settlement date, the D-1 presentation deadline and the refund window of a SEPA direct debit, and check whether TARGET is open on any date. Sourced from the ECB calendar and the 2025 EPC rulebooks.

Bank statements

Camt.053 Validator

Visualize your ISO 20022 bank statements. View opening/closing balances, all entries, and export to CSV.

camt.053 to MT940 & CSV Converter

Convert an ISO 20022 camt.053 bank statement back to SWIFT MT940 or to CSV. For the ERP and accounting systems that cannot read XML yet. Says out loud what MT940 cannot carry. 100% in your browser.

MT940 Viewer & Converter

Read a SWIFT MT940 statement and convert it to ISO 20022 camt.053. 100% in your browser.

BAI2 Viewer & Converter

Read a BAI2 (US/Canada) bank statement and convert it to ISO 20022 camt.053. 100% in your browser.

CODA Validator & Converter

Validate a Belgian CODA statement (Febelfin) and convert it to ISO 20022 camt.053. Checks the trailer totals and the structured communication. 100% in your browser.

CFONB 120 Validator & Converter

Validate a French CFONB 120 (AFB120) bank statement and convert it to ISO 20022 camt.053. Decodes the overpunched sign. 100% in your browser.

SEPA Test File Generator

Generate a camt.053 test bank statement from a pain.008 or pain.001 file - instantly, in your browser.

Identifiers & utilities

IBAN Validator

Instantly verify any IBAN checksum. Detect the country, bank code, and formatting errors - no data sent to our servers.

ABA Routing Number Validator (US)

Validate a US ABA routing number: 3-7-1 check digit, Federal Reserve routing symbol and structure. 100% client-side, no upload.

LEI Validator (ISO 17442)

Validate a Legal Entity Identifier: 20-character structure and ISO 17442 check digits (ISO/IEC 7064 MOD 97-10). 100% client-side, no upload.

Universal Viewer

Drop any SEPA, camt, UBL/Peppol or Factur-X file — it is auto-detected and its key facts shown, read-only in your browser.

XML Comparator

Compare two XML files line by line. Instantly detect differences between two versions. 100% local.

Elni Consulting

BCE BE1002.511.925

Ramillies, Belgique

Visit elniconsulting.be

Behind ValidateFin

ValidateFin is a project by Elni Consulting (BCE BE1002.511.925), a Belgian digital agency founded in 2023 and based in Ramillies (Brabant Wallon). Elni Consulting supports small businesses, independents, and SMEs in their digital transformation, from custom web development to software solutions tailored to their needs.

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 run the official EPC, ISO 20022 XSD and EN 16931 / Peppol BIS 3.0 Schematron rule sets - the same ones used by the official European validators - checking both 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)
Rules: official ISO 20022 XSD schemas + EN 16931 / Peppol BIS 3.0 Schematron
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.

Explore tools Contact us