SEPA (Single Euro Payment Area) WebSphere Transformation Extender Pack for SEPA helps banks and financial institutions meet their compliance obligations to the European Union initiative to have a pan-European electronic payments infrastructure. It includes templates for SEPA credit transfers and direct debits, mapping between SEPA and SWIFT message type103 as well as validation for European Payment Councils SEPA implementation guidelines. Additional converter examples for mapping MT101, 102, 102+, 103+ SWIFT message types to SEPA credit transfer messages are included, and additional validation updates implemented from the European Payment Council guidelines.