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Documentation for Creating SEPA xml file for Vendor Payaments

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Posted on by Vassilis Papadolias

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Is there a documentation link for setting up SEPA vendor payments in Standard Business Central?

Looking up Microsoft Learn I find links, which refer to a Dutch version of SEPA setup

https://learn.microsoft.com/en-us/dynamics365/business-central/localfunctionality/netherlands/single-euro-payments-area-sepa-

https://learn.microsoft.com/en-us/dynamics365/business-central/localfunctionality/netherlands/how-to-activate-sepa-payments

https://learn.microsoft.com/en-us/dynamics365/business-central/localfunctionality/netherlands/how-to-submit-vendor-payments-electronically-in-sepa-iso-20022-payment-format

These don't seem applicable to the Greek version in the sense that I don't find entities like Transaction Modes in my application, so I don't seem to be able to follow them.

Is there something out of the box that Business Central supports for SEPA Vendor Payments Export and some kind of instruction links I could refer to?

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YUN ZHU 100,212 Super User 2026 Season 1 on at

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Hi, hope the following helps.

https://learn.microsoft.com/en-us/dynamics365/business-central/finance-collect-payments-with-sepa-direct-debit#creating-sepa-direct-debit-collection-entries-and-export-to-a-bank-file

Thanks.

ZHU

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Vassilis Papadolias 177 on at

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Actually this only helps partly because it refers to collecting payments from customers not paying vendors. Thank you for mentioning it though

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OussamaSabbouh 15,181 Super User 2026 Season 1 on at

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Hello,

SEPA vendor payment export is supported out of the box in standard (W1) Business Central through the generic SEPA Credit Transfer (pain.001) functionality — the Dutch articles you found reference local enhancements like Transaction Modes, which are not required in other localizations such as Greece. For the standard setup, you should follow the generic SEPA documentation: configure the Bank Account (IBAN, SWIFT/BIC, Credit Transfer Msg. Nos., and choose pain.001 format), ensure Vendor Bank Accounts contain IBAN and SWIFT, set up the Payment Journal with a payment method linked to SEPA export, and then use Export Payment File. No Dutch-specific entities are needed if you’re using the Greek or generic version.

Regards,
Oussama Sabbouh

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Vassilis Papadolias 177 on at

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Hi and thanks. Is there a demonstration video I could refer to?

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Gregory Mavrogeorgis 1,204 Super User 2026 Season 1 on at

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Hi

Those Microsoft Learn links you found are for the Netherlands localisation, which includes extra entities like Transaction Modes. That setup does not apply to the Greek localisation, which is much simpler.

For Greece, SEPA vendor payments are supported out of the box in standard Business Central. There is no separate Greek-specific SEPA module required.

All four major Greek banks confirm pain.001.001.03 as their standard C2B format — which is exactly what Business Central's built-in SEPA CT export produces. Alpha Bank is the most advanced, already supporting pain.001.001.09 as well in their latest spec. BC's default format will work fine with all of them.

🏦 Alpha Bank
All use pain.001.001.03 (and newer docs also support pain.001.001.09)

SEPA XML via Alpha Web Banking (simple, single-payment format): https://www.alpha.gr/-/media/AlphaGr/pdf-files/diafora-sunodeutika-pdf/sepa/sepa-xml-payment-file-via-awbcustomers-specifications-v14.pdf

Alpha Mass Payments – full technical specs v5.1 (pain.001.001.03 + pain.001.001.09): https://www.alpha.gr/-/media/AlphaGr/pdf-files/diafora-sunodeutika-pdf/sepa/Mass-Electronic-Payments-SEPA-xml-v51-EN.pdf

Alpha Mass Payments – Technical & Operational Specifications (latest): https://www.alpha.gr/-/media/AlphaGr/pdf-files/diafora-sunodeutika-pdf/sepa/Alpha-Mass-Payments-Technical-and-Operational-Specifications_en.pdf

🏦 Eurobank
Uses pain.001.001.03

ISO 20022 XML Implementation Guide (Greek language, pain.001.001.03 + pain.002.001.03): https://www.eurobank.gr/-/media/eurobank/business/pdf/xmlfileguide_iso20022.pdf

SEPA info page: https://www.eurobank.gr/el/business/corporate-banking/corporate-anagkes/kathimerini-diaxeirisi-kai-sunallages/pliromes/sepa

🏦 Piraeus Bank
Uses pain.001.001.03 — specs available after login to e-banking

Mass Payments (e-PPS / e-PPS SEPA) info page: https://www.piraeusbank.gr/en/business-banking/business-banking-products-services/business-payments-collections/arxeia-plirwmwn/mass-payments-records

e-PPS service overview: https://www.piraeusbank.gr/en/knowledge-hub/e-pps-epps-sepa-mass-payments-services-via-file

Note: Piraeus requires login to download their actual ISO 20022 Implementation Guide — it's under Useful Tools > Mass Payments e-PPS in their business e-banking portal.

🏦 National Bank of Greece (NBG)
Uses ISO 20022 XML, specs require login

Corporate Bulk e-Payments page: https://www.nbg.gr/en/corporate/digital-solutions/bulk-file-management/bulk-e-payments

SEPA Instant Payments page (mentions ISO 20022 XML + file conversion tool): https://www.nbg.gr/en/lp/sepa-instant-payments

Can you please tick on the checkbox and mark it as verified if you found this helpful?

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Dhiren Nagar 2,910 Super User 2026 Season 1 on at

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Hi,

I think this is available in standard business central.

You can refer to following documentation for setting it up and do a test jn Sandbox.

https://learn.microsoft.com/en-us/dynamics365/business-central/finance-make-payments-with-bank-data-conversion-service-or-sepa-credit-transfer

Also if you need to make any changes in the file format, you can edit data exchange definition with the help of this documentation - https://learn.microsoft.com/en-us/dynamics365/business-central/across-how-to-set-up-data-exchange-definitions

✅ Tick the checkbox below to mark the answer as verified, if it helped resolve your question.

Regards,

Dhiren.

LinkedIn - https://www.linkedin.com/in/ca-dhiren-nagar-5079081b2/

Blog - https://dhirennagar.blogspot.com/

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Gregory Mavrogeorgis 1,204 Super User 2026 Season 1 on at

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Hi Vasili,

Just circling back on my reply from February — did that resolve the issue for you?

If it helped, please consider clicking Verify on the answer so it's easier for others hitting the same problem to find. Happy to look further if you're still stuck.

Thanks!

Gregory

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VP-17111303-0 4 on at

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Partly, actually. The out of the box operation of Business Central proved a good basis for linking to greek banks, but further customization proved to be needed. We cannot actually use the internal formats you suggested as plug and play solutions, but we did use them as initial basis, upon we added further information that banks required. In that sense your answer proved indeed to be useful, so thank you very much.

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