does anyone have experience generating check files to send to their bank in ISO PAIN XML format? does this template have to be created manually?

Hey Jason - not directly answering your question 🙈 but if you’re looking for more automation with bank connectivity for payments, FISPAN partners with many banks to provide official embedded solutions, which includes check outsourcing payments for some of our partners! If you have any questions or need more info, send me a message :)

there are xml native formats you can crib off e.g. SEPA Credit Transfer (France)

thanks! the one thing I’m a little confused on is the reference fields and entity reference fields. how do you know what’s required there for the US file template?