pain.008.001.02 — valid CORE direct debit

Name: pain.008.001.02 — valid CORE direct debit — pain.008.001.02 sample file
Creator: ValidateFin
License: https://creativecommons.org/licenses/by/4.0/

A valid SEPA Direct Debit under the CORE scheme: two recurrent collections totalling 175.00 EUR, a Creditor Scheme Identifier (ICS) that passes the ISO 7064 MOD 97-10 check, and a signed mandate behind each debtor.

pain.008.001.02 — Valid

SEPA Direct Debit (pain.008) pain.008.001.02 ISO 20022 / SDD COREExpected result: Valid

What this file shows

Transactions	2
Total	€175.00
Scheme	CORE
Date in the file	2026-03-05

Last verified: 2026-07-11License: CC-BY-4.0

Download the file Open the matching validator

Every party, IBAN and amount below is fictitious. The IBANs are structurally valid — they pass the mod-97 check — but they belong to no real account.

File content

<?xml version="1.0" encoding="UTF-8"?>
<!--
  ValidateFin sample file — SEPA Direct Debit, pain.008.001.02, CORE scheme.
  Expected validation result: VALID — 2 collections, 175.00 EUR.
  All parties are fictitious. The IBANs pass the mod-97 check and the Creditor
  Scheme Identifier (ICS) passes the ISO 7064 MOD 97-10 check.
  Reference page: https://validatefin.com/en/resources/samples/sepa-pain008-v02-valid
  License: CC-BY-4.0
-->
<Document xmlns="urn:iso:std:iso:20022:tech:xsd:pain.008.001.02"
          xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
  <CstmrDrctDbtInitn>
    <GrpHdr>
      <MsgId>SDD-CORE-20260302-001</MsgId>
      <CreDtTm>2026-03-02T09:15:00</CreDtTm>
      <NbOfTxs>2</NbOfTxs>
      <CtrlSum>175.00</CtrlSum>
      <InitgPty>
        <Nm>Editions Lumiere SARL</Nm>
      </InitgPty>
    </GrpHdr>
    <PmtInf>
      <PmtInfId>PMT-SDD-20260302-A</PmtInfId>
      <PmtMtd>DD</PmtMtd>
      <NbOfTxs>2</NbOfTxs>
      <CtrlSum>175.00</CtrlSum>
      <PmtTpInf>
        <SvcLvl>
          <Cd>SEPA</Cd>
        </SvcLvl>
        <LclInstrm>
          <Cd>CORE</Cd>
        </LclInstrm>
        <SeqTp>RCUR</SeqTp>
      </PmtTpInf>
      <ReqdColltnDt>2026-03-05</ReqdColltnDt>
      <Cdtr>
        <Nm>Editions Lumiere SARL</Nm>
        <PstlAdr>
          <TwnNm>Paris</TwnNm>
          <Ctry>FR</Ctry>
        </PstlAdr>
      </Cdtr>
      <CdtrAcct>
        <Id>
          <IBAN>FR7610107001011234567890129</IBAN>
        </Id>
        <Ccy>EUR</Ccy>
      </CdtrAcct>
      <CdtrAgt>
        <FinInstnId>
          <BIC>CCBPFRPP</BIC>
        </FinInstnId>
      </CdtrAgt>
      <ChrgBr>SLEV</ChrgBr>
      <CdtrSchmeId>
        <Id>
          <PrvtId>
            <Othr>
              <Id>FR72ZZZ123456</Id>
              <SchmeNm>
                <Prtry>SEPA</Prtry>
              </SchmeNm>
            </Othr>
          </PrvtId>
        </Id>
      </CdtrSchmeId>
      <DrctDbtTxInf>
        <PmtId>
          <EndToEndId>E2E-SDD-2026-0301</EndToEndId>
        </PmtId>
        <InstdAmt Ccy="EUR">120.00</InstdAmt>
        <DrctDbtTx>
          <MndtRltdInf>
            <MndtId>MNDT-2024-000731</MndtId>
            <DtOfSgntr>2024-09-12</DtOfSgntr>
            <AmdmntInd>false</AmdmntInd>
          </MndtRltdInf>
        </DrctDbtTx>
        <DbtrAgt>
          <FinInstnId>
            <BIC>PSSTFRPP</BIC>
          </FinInstnId>
        </DbtrAgt>
        <Dbtr>
          <Nm>Camille Rousseau</Nm>
          <PstlAdr>
            <TwnNm>Lyon</TwnNm>
            <Ctry>FR</Ctry>
          </PstlAdr>
        </Dbtr>
        <DbtrAcct>
          <Id>
            <IBAN>FR1420041010050500013M02606</IBAN>
          </Id>
        </DbtrAcct>
        <RmtInf>
          <Ustrd>Abonnement annuel 2026 - facture AB-2026-0731</Ustrd>
        </RmtInf>
      </DrctDbtTxInf>
      <DrctDbtTxInf>
        <PmtId>
          <EndToEndId>E2E-SDD-2026-0302</EndToEndId>
        </PmtId>
        <InstdAmt Ccy="EUR">55.00</InstdAmt>
        <DrctDbtTx>
          <MndtRltdInf>
            <MndtId>MNDT-2025-001188</MndtId>
            <DtOfSgntr>2025-01-20</DtOfSgntr>
            <AmdmntInd>false</AmdmntInd>
          </MndtRltdInf>
        </DrctDbtTx>
        <DbtrAgt>
          <FinInstnId>
            <BIC>GEBABEBB</BIC>
          </FinInstnId>
        </DbtrAgt>
        <Dbtr>
          <Nm>Bureau Verhoeven BVBA</Nm>
          <PstlAdr>
            <TwnNm>Gent</TwnNm>
            <Ctry>BE</Ctry>
          </PstlAdr>
        </Dbtr>
        <DbtrAcct>
          <Id>
            <IBAN>BE68539007547034</IBAN>
          </Id>
        </DbtrAcct>
        <RmtInf>
          <Ustrd>Abonnement annuel 2026 - facture AB-2026-0788</Ustrd>
        </RmtInf>
      </DrctDbtTxInf>
    </PmtInf>
  </CstmrDrctDbtInitn>
</Document>

How we know these results hold

Every file in this library is run through the site's own validator on each build. The expected result stated above is asserted by an automated test — if a file stopped matching what this page claims, the build would fail. Two inherited fixtures were repaired this way before publication: three IBANs failed the mod-97 check and several names used characters outside the basic SEPA character set.

SEPA Direct Debit (pain.008)

All sample files https://validatefin.com/samples/sepa-pain008-v02-valid.xml