SepaCheck Validator MCP server

SEPA pain.001 and camt validator — free API, CLI, and MCP server

Client tools for the free, keyless API at checksepa.com. Send one SEPA credit-transfer XML file (ISO 20022 pain.001.001.03 or pain.001.001.09), or a camt.053 / camt.054 bank statement (.02 or .08).

This repository is only the public client: CLI, MCP server, OpenAPI copy, samples, and examples. It does not contain the validator engine.

The file is uploaded to POST https://checksepa.com/v1/validate for that request. The service does not store it.

Free limits

Higher limits and API keys: waitlist (joining is free; planned from EUR 79/month, charged only after confirmation). Docs: https://checksepa.com/docs. Machine-readable contract: openapi.json (copy in openapi/openapi.json).

A file can pass here and still be rejected by a bank. Bank implementation guidelines are out of scope. This is not a bank login, EBICS client, Verification of Payee check, or payment initiation.

pain.008 is recognised (format and version) on POST /v1/validate and returned with valid: false. camt.053 and camt.054 versions .02 and .08 are checked on POST /v1/camt/validate and converted on POST /v1/camt/convert. A camt file sent to POST /v1/validate is still only recognised.

curl

Using the published valid sample:

curl -F "file=@samples/valid-pain001-001-03.xml" https://checksepa.com/v1/validate

Raw XML body:

curl -X POST https://checksepa.com/v1/validate \
  -H "Content-Type: application/xml" \
  --data-binary @samples/valid-pain001-001-09.xml

examples/curl.sh wraps the multipart request.

Sample request and response

curl -F "file=@samples/invalid-pain001-001-03.xml" https://checksepa.com/v1/validate

The invalid sample is published as failing. The report has seven errors. The first one:

{
  "valid": false,
  "format": "pain.001",
  "version": "pain.001.001.03",
  "errors": [
    {
      "code": "EPC-CTRLSUM",
      "message": "CtrlSum is 999.00 but the transactions sum to 175.50.",
      "path": "/Document/CstmrCdtTrfInitn/GrpHdr/CtrlSum",
      "line": 8
    }
  ],
  "warnings": []
}

valid: true means the file passed the free baseline. errors and warnings use code, message, path, and line. line is 1-based, or null when the parser cannot place the finding.

Samples

Copied from the checksepa.com sample set. Synthetic data and dummy IBANs, not real payments.

CLI

Shortened. The full README is on GitHub.