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Re: Address format in SEPA XML files

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Re: Address format in SEPA XML files

by
Therp, Gijs-Jan Otten
- 30/10/2025 14:44:13

FWIW manually stripping <PstCd> and <AdrLine> from the XML solved this, probably forcing hybrid mode acceptance from Triodos Bank.

Looking at our own address information versus the specs provided, as being parsed in a v14 XML:

        <Nm>Therp BV</Nm>
        <PstlAdr>
          <PstCd>3812 NR</PstCd>
          <TwnNm>Amersfoort</TwnNm>
          <Ctry>NL</Ctry>
          <AdrLine>Oude Fabriekstraat 1 2/2.14</AdrLine>
        </PstlAdr>

3) Under the unstructured address format, PSUs and scheme participants provide the address
of the payer and/or of the payee with a maximum of 2 occurrences of the unstructured
address element “Address Line” <AdrLine>, possibly in combination with the structured
address element “Country” <Ctry>1. [...]

Meaning we were good before...


4) The provision of a structured address about the payer and/or the payee for EPC payments
must comply with following requirements:
• Data element “Address Line” <AdrLine> cannot be used [...]

5) The hybrid address is a mix of structured and unstructured address details. It allows the
combination of structured ISO 20022 address elements and up to two occurrences of 70
characters of unstructured “Address Line” <AdrLine>. [...] The structured
elements “Country” <Ctry> and “Town Name” <TwnNm> are mandatory.

Emphasis mine, and I'd say the bank is out of order for rejecting our address per 5) but I suppose standards could be giving them some leeway.


On 10/30/25 12:22, Tom Blauwendraat wrote:

We have the same issue with bank-payment 14.0 modules generating files that are now not accepted by the Dutch Triodos bank.

On 10/30/25 10:27, Victor Champonnois wrote:
Hello OCA Contributors,

There is an ongoing change in the european regulation regarding the format of address in Sepa direct debit and Sepa credit transfer XML files. See here for the presentation of the regulation and here for the full spec.

Banks in Belgium are already rejecting some XML files generated from the version 12 and 16 of account_banking_sepa_credit_transfer.

There are two possible formats : structured and hybrid. Using the structured format doesn't seem possible because it requires the street name and number to be separated. In Odoo both pieces of information are in the same field. The hybrid format should therefore be used, but from what I see, the XML files already seem to be consistent with this format.

Have you encountered the same problems ? Or do you have more information about this issue ?

Thank you and have a nice day,

-- 
Victor Champonnois - Coop IT Easy

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--
Met vriendelijke groet, Sincerely,

Gijs-Jan Otten
Therp BV | gjotten@therp.nl | +31 20 309 30 93


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