Pain001: ISO 20022-Compliant Payment Files#

Welcome to Pain001 — a powerful Python library for automating ISO 20022-compliant payment file creation.

Pain001 simplifies payment processing by generating standardized payment initiation files (pain.001) from CSV files, SQLite databases, or Python data structures, with mandatory validation and enterprise-grade reliability.

🚀 Quick Start

Get up and running in minutes with pip install and a simple example.

Installation

📚 User Guide

Learn how to use Pain001 with CSV data, databases, and custom configurations.

Usage Guide

⚙️ API Reference

Complete API documentation with all classes, functions, and methods.

pain001

🔧 Configuration

Configure Pain001 for your specific payment processing needs.

Configuration

Key Features#

🏦 ISO 20022 Compliance — Generate files compliant with pain.001.001.03 through pain.001.001.11
📊 Multiple Data Sources — Support for CSV files, SQLite databases, and Python data structures
✅ Automatic Validation — Built-in XSD schema validation for generated XML files
🔒 Secure by Design — Uses defusedxml to prevent XXE attacks and SQL injection protection
🧪 Fully Tested — 98.55% test coverage with 568 comprehensive tests
📦 Type-Safe — Full type hints for better IDE support and mypy compatibility
🚀 Production-Ready — Used in production for SEPA and international payments
💼 Enterprise Grade — Robust error handling, comprehensive logging, and detailed reporting

Supported ISO 20022 Versions#

Version	Status	CSV Fields	Primary Use Case
pain.001.001.03	✅ Stable	42	SEPA credit transfers
pain.001.001.04	✅ Stable	47	Non-SEPA international payments
pain.001.001.05	✅ Stable	47	Enhanced global payments
pain.001.001.06	✅ Stable	44	Instant SEPA payments
pain.001.001.07	✅ Stable	44	Extended optional elements for regional requirements
pain.001.001.08	✅ Stable	44	Enhanced validation and optional elements
pain.001.001.09	✅ Stable	23	Modern simplified structure
pain.001.001.10	✅ Stable	23	Enhanced compliance & validation
pain.001.001.11	✅ Latest	23	Advanced features & future-proof

Why Pain001?#

Reduce Complexity: Payment processing involves complex ISO 20022 standards and multiple validation steps. Pain001 handles all of this automatically.
Ensure Compliance: Every generated file is validated against official XSD schemas, ensuring 100% compliance with payment networks.
Save Time: Automated generation eliminates manual file creation and validation, reducing processing time from hours to minutes.
Improve Reliability: With enterprise-grade error handling and comprehensive testing, Pain001 ensures consistent, reliable payment processing.
Scale with Confidence: Process thousands of payments with the same confidence and reliability as a single payment.

Getting Started in 3 Steps#

Install
```
pip install pain001
```

Load Your Data

from pain001 import main

main(
    xml_message_type='pain.001.001.03',
    xml_template_file_path='template.xml',
    xsd_schema_file_path='schema.xsd',
    data_file_path='payments.csv'
)

Get Validated Payment Files

Your ISO 20022-compliant XML payment file is generated and validated automatically.

Contents#

Documentation

Additional Resources