In my experience at the frontlines (banks allowing users to submit SEPA XMLs), the situation is a lot messier. I ended up building an exporter from Xero (global

In my experience at the frontlines (banks allowing users to submit SEPA XMLs), the situation is a lot messier. I ended up building an exporter from Xero (globally renowned cloud accounting software) to SEPA for both payments and direct debits, and we have several bespoke export templates for a handful of banks that want it this-not-that way. I wrote a bit about the tool and my experience with SEPA standards at https://evrim.zone/blog/projects/batch2sepa https://evrim.zone/blog/projects/batch2sepa, check it out!