How to Convert JSON to SEPA and SWIFT pain.001 XML via API

As a developer building ERP integrations or financial automation tools, you've likely hit the "Excel wall." Exporting payment data to CSV or Excel only to have a human manually upload it to a bank portal is messy, slow, and prone to mapping errors.

In the modern fintech landscape, JSON is the standard. But banks still live in the world of ISO 20022 XML (pain.001). Bridging this gap usually requires deep knowledge of complex XSD schemas, namespace rules, and bank-specific validation logic.

The Solution: A Unified REST API for ISO 20022

We are excited to introduce our external REST API, designed specifically for software engineers and system admins who need to automate payment file generation.

Our API accepts a simple JSON array and dynamically applies a 1-to-1 identity mapping. This means you don't have to learn the nested structure of a pain.001 file; you simply pass your flat data, and our engine generates a fully bank-compliant XML instantly.

Key Benefits:

• Dynamic Mapping: Pass any field names in your JSON; our engine handles the translation.
• Multi-Currency Support: Seamlessly switch between SEPA (EUR) and SWIFT (USD, CAD, GBP, etc.).
• Instant Validation: Every file is validated against the target bank's XSD schema before being returned.

Code Example: Generating a Multi-Currency Payment

Integrating the API is straightforward. Here is a sample payload showing how to trigger a SWIFT payment with multi-currency data.

{
  "bank": "GENERIC",
  "companyName": "TechFlow Solutions Ltd",
  "paymentScheme": "SWIFT",
  "chargeBearer": "SHAR",
  "data": [
    {
      "creditorName": "Global Vendor Inc",
      "creditorIban": "US12345678901234567890",
      "amount": "1500.00",
      "currency": "USD",
      "remittanceInfo": "Invoice #INV-2026-001",
      "creditorBic": "CHASUS33",
      "creditorCountry": "US"
    }
  ]
}

By setting paymentScheme: "SWIFT" and chargeBearer: "SHAR", our API automatically adjusts the XML structure to include the necessary tags for international transfers.

Under the Hood: Handling the Heavy Lifting

Generating a valid XML is more than just wrapping tags around data. Our API engine manages:

• Strict XSD Schema Validation: We ensure every element follows the ISO 20022 specification.
• Tag Prevention: We prevent common errors like including empty <Grpg> tags.
• Namespace Management: We handle the strict xmlns attributes required by banks.
• Data Sanitization: We automatically clean and truncate fields to meet length restrictions.

Get Started Today

Stop fighting with XML schemas and start automating your financial workflows.