Easily generate XML Credit Transfers based on ISO 20022 Payments Initiation pain.001.001.03.
Provides IBAN, BIC and Character set (for reference elements) validation with annotations.
Written in Java 8 using JAXB and iban4j.
Tested with Qonto bulk SEPA transfers.
<dependency>
<groupId>io.inisos.bank4j</groupId>
<artifactId>bank4j</artifactId>
<version>2.5.0</version>
</dependency>class MyRecord {
@IBAN
private String iban;
@BIC
private String bic;
@Iso20022CharacterSet
private String reference;
}Only accepts valid IBAN, BIC8/BIC11 and valid ISO 20022 patterns.
Simply provide bank account details and transactions:
import io.inisos.bank4j.Bank;
class MyApp {
public static void main(String... args) {
// Optional debtor identification
Party debtor = Bank.simpleParty()
.name("Debtor Name") // Optional name
.build();
// Debtor account
BankAccount debtorAccount = Bank.simpleBankAccount()
.iban("FR7610011000201234567890188") // IBAN
.bic("PSSTFRPP") // Optional BIC
.build();
// Transactions
Transaction transaction1 = Bank.simpleTransaction()
.party(Bank.simpleParty() // Optional creditor identification
.name("BANQUE DE FRANCE") // Optional name
.postalAddress(Bank.simplePostalAddress() // Optional postal address
.addressLine("1, rue de La Vrillière")
.addressLine("75001 PARIS")
.country("FR")
.build())
.build())
.account(Bank.simpleBankAccount() // Creditor account
.iban("FR7630001007941234567890185") // IBAN
.bic("BDFEFRPP") // Optional BIC
.build())
.amount("12.34") // Amount, converted to BigDecimal
.currency("EUR") // Currency code
.endToEndId("Transfer reference 1") // End to end identifier
.id("Optional identifier 1") // Optional Transaction identifier
.chargeBearerCode(ChargeBearerType1Code.CRED) // Optional charge bearer code defines who is bearing the charges of the transfer
.remittanceInformationUnstructured("Your remittance information") // Unstructured Remittance Information
.build();
Transaction transaction2 = Bank.simpleTransaction()
.party(Bank.simpleParty() // Optional creditor identification
.name("Creditor Name") // Optional name
.build())
.account(Bank.simpleBankAccount() // Creditor account
.otherId("1234567890") // Other identification
.bic("BDFEFRPP") // BIC
.build()) // Creditor account
.amount(new BigDecimal("56.78")) // Amount as BigDecimal
.currency("EUR") // Currency code
.endToEndId("Transfer reference 2") // End to end identifier
.id("Optional identifier 2") // Optional transaction identifier
.chargeBearerCode(ChargeBearerType1Code.DEBT) // Optional charge bearer code defines who is bearing the charges of the transfer
.intermediaryAgent(Bank.simpleBankAccount() // Optional intermediary agent 1
.name("BNP PARIBAS") // Optional name
.otherId("12345") // Optional other identification
.bic("BNPAFRPP") // Optional BIC
.build())
.intermediaryAgent(Bank.simpleBankAccount() // Optional intermediary agent 2
.name("BNP PARIBAS") // Optional name
.otherId("67890") // Optional other identification
.bic("BNPAFRPP") // Optional BIC
.build())
.intermediaryAgent(Bank.simpleBankAccount() // Optional intermediary agent 3
.name("BNP PARIBAS") // Optional name
.otherId("00000") // Optional other identification
.bic("BNPAFRPP") // Optional BIC
.build())
.build();
// Transfer
CreditTransferOperation creditTransfer = Bank.jaxbCreditTransferSepa()
.debtor(debtor) // Optional debtor
.debtorAccount(debtorAccount) // Mandatory debtor account
.transaction(transaction1) // At least 1 transaction
.transaction(transaction2) // Optional additional transaction
.creationDateTime(LocalDateTime.now()) // Optional message creation date and time, defaults to now
.requestedExecutionDate(LocalDate.now().plusDays(1)) // Optional requested execution date, defaults to tomorrow
.id("MYID") // Optional identifier, defaults to creation date and time as yyyyMMddhhmmss
.chargeBearerCode(ChargeBearerType1Code.DEBT) // Optional charge bearer code defines who is bearing the charges of the transfer
.build();
// export to string
String formattedOutput = creditTransfer.marshal(true); // true: enables formatting
// or export to file
creditTransfer.marshal(new FileWriter("myFile.xml")); // default: disables formatting
}
}Output with formatting:
<?xml version="1.0" encoding="UTF-8" standalone="yes"?>
<Document xmlns="urn:iso:std:iso:20022:tech:xsd:pain.001.001.03">
<CstmrCdtTrfInitn>
<GrpHdr>
<MsgId>MYID</MsgId>
<CreDtTm>2023-10-31T11:09:49.921</CreDtTm>
<NbOfTxs>2</NbOfTxs>
<CtrlSum>69.12</CtrlSum>
<InitgPty>
<Nm>Debtor Name</Nm>
</InitgPty>
</GrpHdr>
<PmtInf>
<PmtInfId>MYID</PmtInfId>
<PmtMtd>TRF</PmtMtd>
<BtchBookg>false</BtchBookg>
<NbOfTxs>2</NbOfTxs>
<CtrlSum>69.12</CtrlSum>
<PmtTpInf>
<SvcLvl>
<Cd>SEPA</Cd>
</SvcLvl>
</PmtTpInf>
<ReqdExctnDt>2023-11-01</ReqdExctnDt>
<Dbtr>
<Nm>Debtor Name</Nm>
</Dbtr>
<DbtrAcct>
<Id>
<IBAN>FR7610011000201234567890188</IBAN>
</Id>
</DbtrAcct>
<DbtrAgt>
<FinInstnId>
<BIC>PSSTFRPP</BIC>
</FinInstnId>
</DbtrAgt>
<ChrgBr>SLEV</ChrgBr>
<CdtTrfTxInf>
<PmtId>
<InstrId>Optional identifier 1</InstrId>
<EndToEndId>Transfer reference 1</EndToEndId>
</PmtId>
<Amt>
<InstdAmt Ccy="EUR">12.34</InstdAmt>
</Amt>
<CdtrAgt>
<FinInstnId>
<BIC>BDFEFRPP</BIC>
</FinInstnId>
</CdtrAgt>
<Cdtr>
<Nm>BANQUE DE FRANCE</Nm>
<PstlAdr>
<Ctry>FR</Ctry>
<AdrLine>1, rue de La Vrillière</AdrLine>
<AdrLine>75001 PARIS</AdrLine>
</PstlAdr>
</Cdtr>
<CdtrAcct>
<Id>
<IBAN>FR7630001007941234567890185</IBAN>
</Id>
</CdtrAcct>
</CdtTrfTxInf>
<CdtTrfTxInf>
<PmtId>
<InstrId>Optional identifier 2</InstrId>
<EndToEndId>Transfer reference 2</EndToEndId>
</PmtId>
<Amt>
<InstdAmt Ccy="EUR">56.78</InstdAmt>
</Amt>
<IntrmyAgt1>
<FinInstnId>
<BIC>BNPAFRPP</BIC>
</FinInstnId>
</IntrmyAgt1>
<IntrmyAgt1Acct>
<Id>
<Othr>
<Id>12345</Id>
</Othr>
</Id>
<Nm>BNP PARIBAS</Nm>
</IntrmyAgt1Acct>
<IntrmyAgt2>
<FinInstnId>
<BIC>BNPAFRPP</BIC>
</FinInstnId>
</IntrmyAgt2>
<IntrmyAgt2Acct>
<Id>
<Othr>
<Id>67890</Id>
</Othr>
</Id>
<Nm>BNP PARIBAS</Nm>
</IntrmyAgt2Acct>
<IntrmyAgt3>
<FinInstnId>
<BIC>BNPAFRPP</BIC>
</FinInstnId>
</IntrmyAgt3>
<IntrmyAgt3Acct>
<Id>
<Othr>
<Id>00000</Id>
</Othr>
</Id>
<Nm>BNP PARIBAS</Nm>
</IntrmyAgt3Acct>
<CdtrAgt>
<FinInstnId>
<BIC>BDFEFRPP</BIC>
</FinInstnId>
</CdtrAgt>
<Cdtr>
<Nm>Creditor Name</Nm>
</Cdtr>
<CdtrAcct>
<Id>
<Othr>
<Id>1234567890</Id>
</Othr>
</Id>
</CdtrAcct>
<RmtInf>
<Ustrd>Your remittance information</Ustrd>
</RmtInf>
</CdtTrfTxInf>
</PmtInf>
</CstmrCdtTrfInitn>
</Document>The Iso20022ReferenceElementValidator class provides methods for validating and processing reference elements according to ISO 20022 standards.
By default, these reference fields are validated with an annotation.
If you can't anticipate the value for these reference fields and the validation doesn't pass, you can use this class we provide to automatically sanitize your fields using the sanitizeToCharacterSet method :
String input = "/endTo#EndId";
Map<Character, Character> customReplacements = new HashMap<>();
customReplacements.put('#', '-'); // will replace all "#" chars with "-"
Iso20022ReferenceElementValidator.sanitizeToCharacterSet(input, customReplacements);
// Display "endTo-EndId"Note: the mapping for replacements (customRemplacements) is optional, we offer a default replacement (.) by default.
The isValidCharacterSet method checks whether a string respects the valid characters defined by the ISO 20022 standard. It returns a boolean. Here's an example:
Iso20022ReferenceElementValidator.isValidCharacterSet("ABCDEF1234"); // trueYou can use your own implementations of Transaction and BankAccount but simple defaults are provided.