Step-by-step instructions
1
Generate your compliant ISO 20022 XML file
Before uploading, you need a certified pain.001 XML file. With Stack2Pay, simply drop your vendor PDF invoices and photos into the workspace to generate a certified SEPA XML file instantly.
2
Log in to your corporate online banking platform
Access your business bank account (e.g. Deutsche Bank, BNP Paribas, Commerzbank, ING, Barclays, or Nordic banks) with your business credentials.
3
Navigate to File Upload / File Transfer
Look for 'Payments', 'Bulk Transfers', or 'File Upload' in your online banking menu.
4
Upload the ISO 20022 XML file
Select the pain.001 XML file. The banking engine automatically reads recipient IBANs, invoice references, execution dates, and amounts.
5
Verify batch summary and authorize
Confirm the checksum and payee count. Authorize the batch with your corporate digital signature or authenticator token.
Frequently Asked Questions
What payment file format is required across Europe?
All European corporate banks mandate the ISO 20022 XML standard (specifically pain.001.001.03) under SEPA regulations.
Can future-dated invoices be scheduled in a single file?
Yes, pain.001 allows individual Requested Execution Dates for each invoice. The bank releases payment only when each invoice matures.