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Ruby gem for creating SEPA XML files

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Instead of whitelisting certain characters, we map according to [EPC SEPA conversion guidelines](http://www.europeanpaymentscouncil.eu/index.cfm/knowledge-bank/epc-documents/sepa-requirements-for-an-extended-character-set-unicode-subset-best-practices/). Resolves #92

Hello, we're using this gem to initiate credit transfers for Greek banks. The problem is that names of initiating parties and account beneficiaries can be in Greek. As we see...

With `pain.001.001.03` a BIC is required for neither the debtor nor creditor. > [DbtrAgt.BIC] Die Belegung des Elements ist nicht erforderlich. Source: [pain.001.001.03 spec](https://www.bundesbank.de/resource/blob/848450/c45442007a753501af5086dd8b46df89/mL/technische-spezifikationen-sepa-ueberweisungen-2020-11-data.pdf), page 25 > [DbtrAgt] Debtor Agent...

_This is a reformulation of #101 - with fewer changes in the same Pull Request._ This PR adds support for credit transfer transactions to BBAN accounts. This improves support for...

_This PR is a reformulation of #101 but with fewer changes in this PR._ This allows you to specify a Debtor account per-transaction. ## Details `CreditorAccount` and `DebtorAccount` both get...

Nokogiri has no encoding explicitly set on the XML builder. This means that it will encode all non-ascii-chars as character entities (e.g. ö). Some software really dislikes this. The same...

Hi all, I am not a big expert in Sepa so maybe the following is a stupid question. Our contract with the bank has a limited amount of money that...

First, thanks for putting this software out on Github. It's super helpful and I use it to manage the finances of a small students association in Germany. For the future...

Not as much of an issue as being curious. Why only providing unstructured message for CT's?

Hey, I'm interested, if you would find it useful to remove the ActiveModel dependency? This would be a feature for non rails users. Best regards