# SEPA pain.001 Generátor: hromadné príkazy pre slovenské banky

> Free, client-side tool that builds a SEPA pain.001 XML batch payment file (hromadný príkaz na úhradu) directly from payments pasted or uploaded from Excel or CSV, ready for import into Tatra banka, Slovenská sporiteľňa (SLSP), VÚB, or ČSOB internet banking.

Paste rows copied from Excel (tab-separated) or a CSV/TSV file, fill in the payer's IBAN once, and download a `pain.001.001.03` file: no account, no backend, nothing you enter leaves your browser except an optional email if you join the mailing list.

## What it does

- Parses a pasted TSV/CSV block or an uploaded `.csv`/`.txt`/`.tsv` file (read client-side with `FileReader`) into a payment list.
- Auto-detects columns by header name: IBAN, amount (`suma`/`amount`/`čiastka`), recipient name (`názov`/`meno`/`príjemca`/`name`), variabilný/špecifický/konštantný symbol, message (`správa`/`poznámka`/`message`/`info`), date, and BIC, with manual dropdowns to fix any column the auto-detection gets wrong.
- Derives the payer's BIC from the bank code in their IBAN (Tatra banka `TATRSKBX`, SLSP `GIBASKBX`, VÚB `SUBASKBX`, ČSOB `CEKOSKBX`, and others), with a manual field for unrecognized codes.
- Writes the fixed values every Slovak bank requires for a SEPA batch credit transfer: `PmtMtd = TRF`, `PmtTpInf/SvcLvl/Cd = SEPA`, `ChrgBr = SLEV`, currency `EUR`.
- Packs variabilný/špecifický/konštantný symbol into the end-to-end reference as `/VS.../SS.../KS...`, the National Bank of Slovakia convention, since `pain.001.001.03` has no dedicated fields for them.
- Generates `MsgId` automatically as `ARL-YYYYMMDD-HHMMSS` and defaults the requested execution date to tomorrow.
- Lets you pick a target-bank profile (Tatra banka, SLSP, VÚB, ČSOB, or a generic SEPA profile) and downloads the finished XML.

## Who it's for

Slovak accountants, company directors, and e-shop owners who keep a list of payments (payroll, supplier invoices, refunds) in a spreadsheet rather than accounting software with a built-in SEPA export, and need a `pain.001` file a bank's internet banking will accept.

## How it works

Static HTML plus one dependency-free JavaScript engine. All parsing and XML generation happens in your browser against the rows you paste or upload; the tool has no backend and makes no request that carries your payment data anywhere.

## Before importing

Each bank layers its own extra rules on top of the shared schema (execution-date window, transaction cap, diacritics handling). The sibling tool, SEPA pain.001 Doctor, checks a finished file against those bank-specific rules: https://arling.sk/sepa-pain001-doctor/

## Pro (39 EUR / 12 months, optional)

Everything above (generating and checking a `pain.001` file) stays free with no limits: no cap on payments, files, or downloads. A paid Pro tier is optional convenience for an accountant who runs this every month, not a requirement to use the tool. Pro adds: saved payer profiles (name, IBAN, BIC, bank, stored in the browser), building several payment batches in one session and downloading (or merging) more than one file at a time, preset column-mapping templates for exports from Pohoda, Omega (KROS), and Money S3, a local history of the last 50 generated commands with re-download, and priority email support.

Pricing: 39 EUR, one-time, covers 12 months, VAT included, invoice emailed by Stripe. Purchase via Stripe Checkout; ARLing s. r. o. sells under Stripe Managed Payments, so Stripe is the merchant of record and handles VAT and the invoice. 14-day money-back guarantee, no questions asked (andrej@arling.sk).

Licence delivery: a signed licence key (Ed25519, verified client-side with WebCrypto, no server call on every use) is issued right after payment and stored in the browser via localStorage; the same key can be pasted manually to activate Pro on a different computer. No account and no login are required.

## Privacy

No account, no login, no cookies for the tool itself, no server-side processing of your payment data. The only analytics are anonymous usage counts (event name + count, never IBANs/names/amounts) sent to a self-hosted Umami instance.

## Links

- Tool: https://arling.sk/sepa-pain001-generator/
- Full reference (input format, BIC table, worked example, FAQ): https://arling.sk/sepa-pain001-generator/llms-full.txt
- Source code: https://github.com/AndryRoby/sepa-pain001-generator
- Sibling tool (checks a finished pain.001 file against bank rules): https://arling.sk/sepa-pain001-doctor/
- Sibling tool (Supabase Auth redirects, web): https://arling.sk/supabase-redirect-doctor/
- Sibling tool (Supabase Auth redirects, Flutter): https://arling.sk/flutter-supabase-doctor/
- Hub (more ARLing tools): https://arling.sk/

## Contact

Built by ARLing s. r. o. (Bratislava, Slovakia). andrej@arling.sk