Why we recommend using API or CSV first

We generally recommend using our API or CSV import instead of uploading a PAIN.008 XML file. This is easier and safer because it automatically takes care of important details that can cause errors in the XML file.

Using API or CSV ensures:

• Mandates are updated and validated automatically
• Complex XML formatting issues are avoided
• Files are correctly generated according to SEPA rules and Febelfin updates
• Limits set by your bank or creditor contract like maximum batch amount, number of transactions, or transaction amounts are respected automatically
• The status of each mandate is checked, reducing the risk of failed payments
• All transaction identifiers are guaranteed to be unique from start to finish

Supported versions

Twikey supports pain.008.001 and pain.008.002 files. These files must follow the ISO 20022 XML standard.

How to import a PAIN Direct Debit file

1. Navigate to the orange 'NEW' button
2. Select 'import'
3. Select 'type = transactions'
4. Select 'source = XMl Sepa (pain.008)
5. Select the profile you want to use, make sure the selected profile has the correct bank gateway assigned so that the IBAN from your XML file matches the IBAN of the configured bank gateway.
6. Select the correct options :

• If you enable “Allow importing all mandates ignoring any bank references”:
  • Twikey ignores bank references and generates them automatically
  • The requested collection date in the file is ignored
  • Transactions with amount 0 are skipped
  • New mandates are created automatically
  • Imported transactions are placed in a batch “To be sent” instead of being sent immediately

• If you enable "Allow transactions for uncollectable mandates":
  *When selected, the file will be imported regardless of the mandate status. Transactions linked to the cancelled and/or suspended mandates will still be processed and sent to the bank.

Important to know

Payment provider as gateway

If you use a payment service provider instead of a traditional bank:

• Direct Debit files can still be imported
• Some providers ignore the requested collection date, collecting transactions immediately. Consult your payment service provider for more information.

Supported XML fields