SEPA Manager turns Excel/CSV into bank-certified SEPA pain.008/pain.001 XML files, with digital mandate management and IBAN/BIC validation. Plans from €19/mo.
Researched and fact-checked by Bartu Cavusoglu · Updated October 16, 2026
Subscription (7-day free trial), from €19/month (excl. VAT)
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October 16, 2026
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SEPA Manager is a Dutch cloud-based SaaS platform for generating SEPA-compliant payment files and managing recurring collections. Its core feature is a bulk XML generator that converts Excel or CSV exports from accounting or membership-administration systems into bank-certified pain.008 (SEPA Direct Debit) and pain.001 (SEPA Credit Transfer) ISO 20022 XML files, with automatic recognition of FRST/RCUR/FNAL transaction sequences for both Core (consumer) and B2B direct-debit types. Alongside file generation, the platform includes a digital mandate register that validates mandate IDs and signature dates and keeps a historical record per debtor, real-time IBAN/BIC validation to catch malformed account numbers and duplicate transactions before export, and automated invoicing tied to each direct-debit run, including one-off invoices with a QR payment code. Communication features include customizable email templates, a white-label option (own logo/branding) and a bring-your-own-SMTP/IMAP setup for batch pre-notification mailings and invoice delivery. SEPA Manager is operated by a company based in Tiel, Gelderland, Netherlands (KvK 69038309), founded by H. Dabo, and the platform states compatibility with major Dutch bank portals including Rabobank, ING, ABN AMRO, SNS Bank, ASN Bank, RegioBank, Knab, bunq, and Triodos. It is aimed at businesses, foundations, associations, and sports clubs in the Netherlands that collect recurring dues or payments via SEPA direct debit.
Key Features
SEPA XML Generator — Converts Excel or CSV files into bank-certified pain.008 (SEPA Direct Debit) and pain.001 (SEPA Credit Transfer) XML, with automatic FRST/RCUR/FNAL sequence handling for Core and B2B direct debits.
Digital Mandate Register — Validates mandate IDs and signature dates automatically and keeps a historical record of signed mandates per debtor.
Real-Time IBAN/BIC Validation — Checks IBAN structure against SEPA-country standards and auto-matches BIC codes, flagging duplicate transactions and missing required fields before export.
Automated Email & SMTP Notifications — Sends customizable, white-labeled email notifications and batch pre-notification mailings via your own SMTP/IMAP server (SPF/DKIM compliant).
Automatic Invoicing with QR Payment Codes — Generates invoices automatically tied to each direct-debit run, including one-off invoices with a direct QR payment code.
White-Label Branding — Lets organizations apply their own logo and theme color to the platform for a branded customer experience.
REST API & Webhooks — Provides full REST API access and real-time webhooks for automated integrations, available on the Enterprise plan.
Pros & Cons
Pros
Converts Excel/CSV payment data into bank-certified pain.008 (direct debit) and pain.001 (credit transfer) XML files within seconds
Real-time IBAN/BIC validation and duplicate-transaction detection help reduce rejected ('storno') direct debits
Digital mandate register tracks signature dates and validates mandate IDs automatically
White-label branding and custom SMTP/IMAP let organizations send pre-notifications and invoices under their own identity
Enterprise plan includes a full REST API and webhooks for deeper system integration
Cons
Marketing site and account interface are Dutch-only, which may be a barrier for non-Dutch-speaking teams
Entry-level Starter plan caps usage at 100 transactions per month, so growing organizations will need to upgrade quickly
Built specifically around Dutch/SEPA banking workflows, limiting relevance outside SEPA-zone organizations