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Create Direct Debit SEPA XML files
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Latest commit 74042dd Jelle van der Molen Fixed the following:
- Batch = False, now works better (#21)
- XML Formatting (#23)
- IBAN Validation regex is more simple but better (#22)
- Correct BIC Not Provided handling (#20) using NOTPROVIDED

Added the following:
- IBAN Check Digit calculation
- AddPayment() returns EndToEndId now
- added the getDirectDebitInfo() method to get more info from the current direct debit

README.md

SEPA SDD (Sepa Direct Debit) 2.0

Author:Congressus, The Netherlands
Date:10-01-2016
DescriptionA PHP class to create Sepa Direct Debit XML Files

1. INSTALLATION

SEPA SDD requires PHP 5, no other libraries are required.

To install, copy the SEPASDD.php class to a folder on the webserver and include it as follows:

require_once([path_from_webroot_to_folder]/SEPASDD.php);

2. CONFIGURATION

SEPA SSD requires a config array, which is validated on initiation. The following parameters are required:

  • name: The name of the creditor('s organization).
  • IBAN: The creditor's International Bank Account Number.
  • BIC: The creditor's Bank Identification Code. (optional)
  • batch: Whether to process as batch or as individual transactions . Allowed: true or false (MUST be boolean).
  • creditor_id: The creditor's id, contact your bank if you do not know this.
  • currency: The currency in which the amounts are defined. Allowed: ISO 4217.
  • version: The PAIN.008.001 version. (optional) Allowed: 3
Note:

When setting batch to true, SEPASDD will create a batch for each Direct Debit transaction type ("FRST","RCUR", etc). and required collection date. This means that all "FRST" transactions with collection date 2014-01-30 will be grouped in a batch.

Example:

$config = array("name" => "Test",
                "IBAN" => "NL50BANK1234567890",
                "BIC" => "BANKNL2A",
                "batch" => true,
                "creditor_id" => "00000",
                "currency" => "EUR"
                );

3. USAGE

3.1 Initialization

Create an instance of the class with an configuration as such:

try{
    $SEPASDD = new SEPASDD($config);
}catch(Exception $e){
    echo $e->getMessage();
}

3.2 Create a payment

SEPA SDD uses the addPayment method for creating payments, it requires a payment array. The following parameters are required:

  • name: The debtors name. Allowed: 140 ASCII characters (ISO 20022 MaxText140)
  • IBAN: The debtor's International Bank Account Number. Allowed: /[a-zA-Z]{2}[0-9]{2}[a-zA-Z0-9]{4}[0-9]{7}([a-zA-Z0-9]?){0,16}/ (Note: This class does not perform check digit (index 2 and 3) validation. Please provide this yourself.
  • BIC: The debtor's Bank Identification Code. (optional) Allowed: ([a-zA-Z]{4}[a-zA-Z]{2}[a-zA-Z0-9]{2}([a-zA-Z0-9]{3})?)
  • amount: The amount to transfer from debtor to creditor (IN CENTS). Allowed: int/string (NO SEPARATORS) e.g. EUR 10.00 has to be entered as 1000 or "1000"
  • type: The type of Direct Debit Transaction Allowed: FRST (First), RCUR (Recurring), OOFF (One Off), FNAL (Final)
  • collection_date: The date at which the amount should be collected from the debtor. Allowed: ISO 8601 (YYYY-MM-DD). This date should be in the future, how far in the future is dependent on the type of Direct Debit. See the definition.
  • mandate_id: The ID of the written mandate from the debtor. Allowed: 35 ASCII characters. (ISO 20022 MaxText35)
  • mandate_date: The date the mandate was signed. Allowed: ISO 8601 (YYYY-MM-DD). For mandates before SEPA requirements this is: 2009-11-01.
  • description: The description of the transaction. Allowed: 140 ASCII characters (ISO 20022 MaxText140)

The following parameters are optional:

  • end_to_end_id: The unique (for ALL transactions ever done by creditor) id referencing this payment. Allowed: 35 ASCII characters. (ISO 20022 MaxText35)

The method will return the end_to_end_id.

Example:

$payment = array("name" => "Test von Testenstein",
                 "IBAN" => "NL50BANK1234567890",
                 "BIC" => "BANKNL2A",
                 "amount" => "1000",
                 "type" => "FRST",
                 "collection_date" => "2013-07-12",
                 "mandate_id" => "1234",
                 "mandate_date" => "2009-11-01",
                 "description" => "Test Transaction"
                );                

Then use the addPayment method to add the payment to the file:

Example:

try{
    $endToEndId = $SEPASDD->addPayment($payment);
}catch(Exception $e){
    echo $e->getMessage();
}

You can use this method multiple times to add more payments.

3.3 Save the file

To save the file, use the save method, this will return the XML as a string. If you want to save to file, you have to do this yourself.

Example:

try{
    $SEPASDD->save();
}catch(Exception $e){
    echo $e->getMessage();
}

After this, please reinitialize the class if you want to create another file.

3.4 Get the summary from the direct debit

If you want to have some feedback on the direct debit (either before or after saving), you can use the getDirectDebitInfo() method. This will return an array in the following format:

Batch mode:
Array
(
    [MessageId] => "100120165539-15a2054e7b05"
    [TotalTransactions] => 3
    [TotalAmount] => "3000"
    [FirstCollectionDate] => "2016-01-10"
    [Batches] => Array
        (
            [0] => Array
                (
                    [CollectionDate] => "2016-01-10"
                    [Type] => "FRST"
                    [BatchId] => "Test-d1837e0f72cb"
                    [BatchTransactions] => 2
                    [BatchAmount] => "2000"
                )

            [1] => Array
                (
                    [CollectionDate] => "2016-01-10"
                    [Type] => "RCUR"
                    [BatchId] => "Test-145750c3b3a8"
                    [BatchTransactions] => 1
                    [BatchAmount] => "1000"
                )

        )

)

Non Batch mode:
Array
(
    [MessageId] => "100120161833-fbba1f5fc10a"
    [TotalTransactions] => 3
    [TotalAmount] => "3000"
    [FirstCollectionDate] => "2016-01-10"
)




Example:

try{
    $SEPASDD->save();
}catch(Exception $e){
    echo $e->getMessage();
}

After this, please reinitialize the class if you want to create another file.

3.4 Adding custom fields

SEPA SDD has a special method for adding custom fields. This method is called addCustomNode. It is important to know that you will have to save the direct debit before and after calling this. The required arguments are:

  • parent_XPATH: The XPATH selector of the parent.
  • name: The node/tag name.
  • value: Its value, default "".
  • attr: An array containing key => value pairs defining the attributes.

Example:

Add the postal address for the last inserted Debtor.

Caution, you should know what you are doing here. Refer to the SEPA Direct Debit Core Rulebook and the XSD before using this.

$payment = array("name" => "Test von Testenstein",
                 "IBAN" => "NL50BANK1234567890",
                 "BIC" => "BANKNL2A",
                 "amount" => "1000",
                 "type" => "FRST",
                 "collection_date" => "2013-07-12",
                 "mandate_id" => "1234",
                 "mandate_date" => "2009-11-01",
                 "description" => "Test Transaction"
                );

try{
    $SEPASDD->addPayment($payment);
    $SEPASDD->save();
    $SEPASDD->addCustomNode("//Document/CstmrDrctDbtInitn/PmtInf[last()]/DrctDbtTxInf[last()]/Dbtr","PstlAdr");
    $SEPASDD->addCustomNode("//Document/CstmrDrctDbtInitn/PmtInf[last()]/DrctDbtTxInf[last()]/Dbtr/PstlAdr","AdrLine","Rode Weeshuisstraat 25");
    $SEPASDD->addCustomNode("//Document/CstmrDrctDbtInitn/PmtInf[last()]/DrctDbtTxInf[last()]/Dbtr/PstlAdr","AdrLine","9712 ET Groningen");
    $SEPASDD->save();
}catch(Exception $e){
    echo $e->getMessage();
}

Will create

<PstlAdr>
    <AdrLine>Rode Weeshuisstraat 25</AdrLine>
    <AdrLine>9712 ET Groningen</AdrLine>
</PstlAdr>

3.5 Validation

To validate against the pain.008.001.02 or pain.008.001.03 schema definition, you can use the validate() method. This requires the XML as string as argument.

Note:

Some banks allow not specifying a BIC, and so does SEPASDD.

Example

try{
    $xml = $SEPASDD->save();
    $validation = $SEPASDD->validate($xml);
    print_r($validation);
}catch(Exception $e){
    echo $e->getMessage();
}

4 LICENSE

MIT LICENSE

Copyright (c) 2016 Congressus, The Netherlands

Permission is hereby granted, free of charge, to any person obtaining a copy of this software and associated documentation files (the "Software"), to deal in the Software without restriction, including without limitation the rights to use, copy, modify, merge, publish, distribute, sublicense, and/or sell copies of the Software, and to permit persons to whom the Software is furnished to do so, subject to the following conditions:

The above copyright notice and this permission notice shall be included in all copies or substantial portions of the Software.

THE SOFTWARE IS PROVIDED "AS IS", WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO THE WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NONINFRINGEMENT. IN NO EVENT SHALL THE AUTHORS OR COPYRIGHT HOLDERS BE LIABLE FOR ANY CLAIM, DAMAGES OR OTHER LIABILITY, WHETHER IN AN ACTION OF CONTRACT, TORT OR OTHERWISE, ARISING FROM, OUT OF OR IN CONNECTION WITH THE SOFTWARE OR THE USE OR OTHER DEALINGS IN THE SOFTWARE.

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