An "XML message for Credit Transfer Initiation" (ISO 20022 XML) file encodes European credit transfers (SEPA) in a standard way. It's often refered to as a "CODA (Coded Statement of Account) file". It requests the movement of funds from the debtor account to a creditor. CODAv is a desktop application that understands these electronic messages and serves as a viewer to verify the contents of these files. CODAv follows the Belgian implementation guidelines as defined by the Belgian sector federation Febelfin.
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