The SEPA Direct Debit via XML Export feature allows you to manage direct debit payments independently of Stripe, giving you full control over how and when payments are collected—without incurring Stripe’s processing fees.
This feature is ideal for operators who prefer to handle payments directly through their own bank. By exporting SEPA-compliant XML files from Kinnovis and uploading them to your bank, you can significantly reduce transaction costs and gain greater control over cash flow.
What You Can Do
Securely store your customers’ SEPA mandate details within Kinnovis
Assign "SEPA Direct Debit via XML Export" as the payment method on bookings and invoices
Export unpaid invoices into a standard SEPA XML file (PAIN.008.001.02)
Upload the XML file to your bank to initiate direct debit payments
Manually update invoice statuses in Kinnovis after the bank has processed the transactions
Why Use It
Lower costs: Avoid Stripe's processing fees
Faster settlements & improved cashflow: Your customers' payments go directly into your account
End-to-end control: Manage SEPA mandates within Kinnovis and collect payments in bulk through your bank
Compliant and secure: XML files meet ISO 20022 standards; sensitive data is encrypted