Terms of service
Last updated: 5 October 2026
Acceptance of terms
By using PainXML you agree to these terms. If you do not agree, do not use the service.
The service
PainXML provides browser-based ISO 20022 validation and generation tools. Output files are generated locally and are your responsibility to review before submission to any bank.
Accounts & plans
The Free plan limits batches to 50 transactions. Pro and Team plans remove that limit and add features. We may change pricing with reasonable notice.
Acceptable use
You may not use PainXML for unlawful purposes, attempt to disrupt the service, or misrepresent the origin of payment files you generate.
No financial advice
PainXML is a tool, not a bank and not financial advice. We do not guarantee that a generated or validated file will be accepted by any financial institution.
Limitation of liability
The service is provided 'as is' without warranties. To the maximum extent permitted by law, PainXML is not liable for indirect or consequential damages arising from use of the service.