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SEPA payment files

Select unpaid invoices, generate a SEPA XML file, import it to your bank and mark them paid.

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SEPA payment files are live. Once invoices are registered, the accountant selects the ones to pay, clicks Transfer, and Invoreg generates a SEPA Credit Transfer file that the bank imports in one step. Invoreg tracks which invoices are paid and which are still open, so the follow-up list is always current. Vendor bank accounts must be configured first.

How it works

  1. Add the IBAN (and BIC where required) to each vendor record in the organisation.
  2. Filter the invoice list to unpaid invoices, using labels or due dates if useful, and select the ones to pay.
  3. Click Transfer. Invoreg builds one file containing a transfer for each selected invoice: amount, currency, vendor IBAN, and a remittance reference taken from the invoice number so the supplier can reconcile it.
  4. Import the file into your online banking's bulk payment function, check the batch and authorise it there.
  5. The selected invoices are marked paid in Invoreg, and the analytics view shows paid and outstanding amounts per organisation.

Good to know

  • Format: ISO 20022 pain.001 XML (SEPA Credit Transfer), the standard bulk-transfer format accepted by banks across the SEPA area.
  • One file per organisation per run. A firm paying on behalf of several clients runs a transfer in each organisation, so files never mix bank accounts.
  • Euro payments only, as SEPA requires. Invoices in other currencies stay in the open list for manual payment.
  • Approvals happen before registration, so anything reaching the payment file has already been through the organisation's approval levels.
  • Paid status is set by Invoreg when the file is generated. If the bank rejects a transfer, mark the invoice unpaid again and it returns to the open list.

Questions

Can I pay part of an invoice? The transfer uses the invoice total. For partial payments, pay through your bank directly and mark the invoice accordingly.

Does the file include the due date? The batch is dated on generation; you choose the execution date in your online banking when authorising.

Where is the bank data stored? With the rest of the organisation's data, on Invoreg infrastructure in the EU.

See it working

Ask for the payment step in your demo and we will generate a file from your test invoices. Book a demo.

Updated 2026-09-25

Questions accountants ask

Any bank in the SEPA area that accepts a SEPA Credit Transfer file in the ISO 20022 pain.001 XML format, which is the standard for bulk transfers in the eurozone. Import it through your online banking's bulk payment or file upload function, review the batch there, and authorise it as usual.

No. Invoreg only creates the payment file. The transfer is executed by your bank after you upload the file and authorise the batch with your normal banking credentials. Invoreg never holds bank access, and no payment leaves without the authorisation step in your online banking.

The invoice cannot be included in the file until the vendor's IBAN is added. Invoreg tells you which selected invoices are missing bank details so you can complete the vendor record and run the transfer again. Bank accounts are stored per vendor, per organisation.