Payment Validator

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The Payment Validator enables customers, software providers, and integration partners to validate pain.001 payment initiation files against the applicable ISO 20022 XML schema standards.

The tool verifies the technical structure and format of the uploaded XML file and helps identify errors before the file is submitted through Erste Bank channels The tool does not simulate business validations (e.g. account authorizations or available balance checks) and, thus, does not represent End 2 End validation. For any questions regarding the file checker results, please contact your vendor, responsible for generating the payment file.

How to use the Validation Tool

Before uploading a file, please note the following:

  1. Only pain.001 XML payment initiation files (.xml) are supported.
  2. The maximum supported file size is 100 KB.
  3. Please use test, sample, or anonymized data whenever possible. Do not use personal data!
  4. If personal data is included, you are responsible for ensuring an appropriate legal basis for processing and sharing such data.
  5. Successful validation confirms compliance with the validation rules implemented in this tool, but does not guarantee successful execution or acceptance of payments in Erste Bank production systems.
  6. Customers must ensure that payment files comply not only with the ISO 20022 standard but also with applicable Erste Bank implementation guidelines and channel-specific requirements.

Disclaimer

The Validation Tool is provided by Erste Bank ("the Bank") to support customers, software vendors, and integration partners in validating payment initiation files in supported formats.

The Validation Tool is intended solely for testing, educational, and informational purposes and should not be considered a substitute for the validation processes performed by the Bank's production systems.

Users remain fully responsible for the content, accuracy, completeness, and legality of all files uploaded to the Validation Tool. The Bank reserves the right to restrict, suspend, or terminate access if the use of the Validation Tool, connected software, systems, interfaces, or uploaded content may adversely affect the Bank, its customers, or its IT infrastructure.

Where uploaded files contain personal data, the user is solely responsible for ensuring compliance with all applicable data protection laws and regulations, including maintaining an appropriate legal basis for the processing and disclosure of such data.

The Bank does not guarantee that the Validation Tool will be available without interruption, free from defects, or suitable for any specific purpose. Validation results are provided on a best-effort basis and should not be interpreted as confirmation that a payment file will be accepted, processed, booked, or executed within the Bank's production environment.

To the maximum extent permitted by applicable law, Erste Bank shall not be liable for any direct, indirect, incidental, special, consequential, or other damages arising from or related to the use of, inability to use, or reliance upon the Validation Tool or its validation results.

All intellectual property rights related to the Validation Tool, including software, documentation, validation rules, designs, and content, remain the exclusive property of Erste Bank or its licensors.

The Validation Tool and all associated materials are protected by copyright and other intellectual property laws. No part of the Validation Tool or its documentation may be copied, reproduced, modified, distributed, published, transmitted, or made available to any third party without the prior written consent of Erste Bank.