#983: SEPAXmlBuilder.kt

Architecture

XML Structure

The builder produces a three-level hierarchical XML structure per the pain.001.001.03 schema:

1. Group Header (<GrpHdr>): Message ID, creation datetime, initiator party identification, number of transactions, control sum.
2. Payment Information (<PmtInf>): Payment method (TRF), batch booking flag, requested execution date, debitor account (IBAN/BIC), debitor agent (bank).
3. Transaction Information (<CdtTrfTxInf>): Per-invoice: end-to-end ID, amount, creditor details (name, IBAN, BIC), remittance information (invoice number).

Design Decisions

• Namespace Precision: Uses explicit namespace prefixes to avoid ambiguous XML that some bank systems reject. The header-level xmlns declaration covers all child elements.
• Character Escaping: All text nodes pass through sanitization (via SEPATransferGeneratorUtils) before embedding, ensuring only SEPA-allowed characters appear in the XML.
• Date Formatting: Uses ISO 8601 date format (YYYY-MM-DD) as required by the pain.001 standard.
• Batch vs Single: Supports both single-debitor batches and individual transactions per invoice, controlled by the grouping logic in SEPATransferGenerator.

Git History

868d6abb7 2025 -> 2026
63081666f Source file headers: 2024-> 2025.
b6092df09 Copyright 2023 -> 2024
ab45d51fa Copyright 2001-2022 -> 2001-2023.
51797f22f SEPA-Transfer: fix formatting amount.
5288f771e SEPA generator now creates valid XML without namespace problems and without duplicate xmlns definitions.
dcfccf494 SEPA generator now creates valid XML without duplicate xmlns definitions.
3b4908eb7 SEPA Export for invoices: Using now data from RechnungDO in cooperation with SEPATransferGeneratorUtils.
e4a9008d4 SEPA Export for invoices added.