{"id":2261,"date":"2020-02-08T18:10:09","date_gmt":"2020-02-08T18:10:09","guid":{"rendered":"https:\/\/sepaxmlgenerator.com\/blog\/eine-geschichte-von-sepa-xml\/"},"modified":"2026-10-09T07:26:03","modified_gmt":"2026-10-09T07:26:03","slug":"eine-geschichte-von-sepa-xml","status":"publish","type":"post","link":"https:\/\/www.sepaxmlgenerator.com\/pl\/blog\/eine-geschichte-von-sepa-xml\/","title":{"rendered":"Historia formatu XML w ramach SEPA"},"content":{"rendered":"<p>Skr\u00f3t SEPA oznacza Jednolity Obszar P\u0142atno\u015bci w Euro (Single Euro Payments Area) i, jak mo\u017cna si\u0119 domy\u015bli\u0107, standard ten zosta\u0142 ustanowiony przez Uni\u0119 Europejsk\u0105. W praktyce jest to standard, do kt\u00f3rego przestrzegaj\u0105 si\u0119 wszystkie kraje Unii Europejskiej, umo\u017cliwiaj\u0105cy harmonizacj\u0119 w zakresie bezgot\u00f3wkowych przelew\u00f3w mi\u0119dzy bankami a ich klientami korzystaj\u0105cymi z polecenia zap\u0142aty.<\/p>\n<p>SEPA dotyczy nie tylko transakcji w ramach polecenia zap\u0142aty (SDD), ale obejmuje r\u00f3wnie\u017c przelewy finansowe, takie jak:<\/p>\n<ul>\n<li>przelewy (SCT)<\/li>\n<li>natychmiastowe przelewy<\/li>\n<\/ul>\n<p>Ale dlaczego utworzono SEPA, jakie s\u0105 korzy\u015bci i dlaczego w\u0142a\u015bnie format SEPA XML?<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_89 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Prze\u0142\u0105cznik Spisu Tre\u015bci\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.sepaxmlgenerator.com\/pl\/blog\/eine-geschichte-von-sepa-xml\/#Dlaczego_opracowano_SEPA\" >Dlaczego opracowano SEPA<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.sepaxmlgenerator.com\/pl\/blog\/eine-geschichte-von-sepa-xml\/#Historia_SEPA\" >Historia SEPA<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.sepaxmlgenerator.com\/pl\/blog\/eine-geschichte-von-sepa-xml\/#A_zatem_zalety_przelewow_SEPA_w_formacie_XML_to\" >A zatem zalety przelew\u00f3w SEPA w formacie XML to:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.sepaxmlgenerator.com\/pl\/blog\/eine-geschichte-von-sepa-xml\/#Czy_masz_wymagania_dotyczace_plikow_XML_w_standardzie_SEPA\" >Czy masz wymagania dotycz\u0105ce plik\u00f3w XML w standardzie SEPA?<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Dlaczego_opracowano_SEPA\"><\/span>Dlaczego opracowano SEPA<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Ot\u00f3\u017c, 28 kraj\u00f3w UE stosuje standard SEPA, w tym Wielka Brytania (kt\u00f3ra najprawdopodobniej pozostanie w tym standardzie), a tak\u017ce kraje europejskie, ale nienale\u017c\u0105ce do UE, w tym: Andora, Islandia, Watykan, Szwajcaria, Liechtenstein, Monako, Norwegia i San Marino. \u0141\u0105czna liczba kraj\u00f3w generuj\u0105cych pliki SEPA XML wynosi zatem 36.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Historia_SEPA\"><\/span>Historia SEPA<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>W rzeczywisto\u015bci to wprowadzenie euro w 1999 roku spowodowa\u0142o potrzeb\u0119 ujednolicenia transakcji finansowych, co u\u0142atwi\u0142o handel mi\u0119dzy pa\u0144stwami UE. W 2007 roku UE przyj\u0119\u0142a dyrektyw\u0119 w sprawie us\u0142ug p\u0142atniczych. W 2011 roku system SEPA zast\u0105pi\u0142 krajowe systemy p\u0142atno\u015bci.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"A_zatem_zalety_przelewow_SEPA_w_formacie_XML_to\"><\/span>A zatem zalety przelew\u00f3w SEPA w formacie XML to:<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul>\n<li>Szybkie realizacje p\u0142atno\u015bci<\/li>\n<li>Ni\u017csze koszty dokonywania p\u0142atno\u015bci i przelew\u00f3w mi\u0119dzynarodowych<\/li>\n<li>Op\u0142aty za przelewy transgraniczne zosta\u0142y znacznie obni\u017cone<\/li>\n<\/ul>\n<p>Pytanie brzmi zatem: czy Pa\u0144stwa firma chcia\u0142aby zarejestrowa\u0107 si\u0119 w celu przyjmowania polece\u0144 zap\u0142aty, a nast\u0119pnie generowa\u0107 niezb\u0119dny plik XML SEPA w swoim banku internetowym, aby pobiera\u0107 regularne p\u0142atno\u015bci?<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Czy_masz_wymagania_dotyczace_plikow_XML_w_standardzie_SEPA\"><\/span>Czy masz wymagania dotycz\u0105ce plik\u00f3w XML w standardzie SEPA?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Skontaktuj si\u0119 z <strong><a href=\"https:\/\/www.sepaxmlgenerator.com\/pl\/zarejestruj-sie-aby-otrzymac-darmowy-sepa-xml-generator-test-heute\/\" rel=\"noopener noreferrer\">z zespo\u0142em SEPA XML GENERATOR ju\u017c dzi\u015b<\/a><\/strong>, a my udost\u0119pnimy Ci bezp\u0142atne konto w SEPA XML Generator. Bezp\u0142atne konto SEPA XML, kt\u00f3re mo\u017cesz przetestowa\u0107 w swoim banku i osobi\u015bcie zapozna\u0107 si\u0119 z oprogramowaniem, zanim podejmiesz decyzj\u0119 o zakupie licencji.<br \/>\n<img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-371 size-full\" src=\"https:\/\/www.sepaxmlgenerator.com\/wp-content\/uploads\/2020\/04\/SEPA-XML-GENERATOR-User-Process-Flow-scaled.jpg\" alt=\"XML SEPA\" width=\"2560\" height=\"946\" srcset=\"https:\/\/www.sepaxmlgenerator.com\/wp-content\/uploads\/2020\/04\/SEPA-XML-GENERATOR-User-Process-Flow-scaled.jpg 2560w, https:\/\/www.sepaxmlgenerator.com\/wp-content\/uploads\/2020\/04\/SEPA-XML-GENERATOR-User-Process-Flow-300x111.jpg 300w, https:\/\/www.sepaxmlgenerator.com\/wp-content\/uploads\/2020\/04\/SEPA-XML-GENERATOR-User-Process-Flow-1024x379.jpg 1024w, https:\/\/www.sepaxmlgenerator.com\/wp-content\/uploads\/2020\/04\/SEPA-XML-GENERATOR-User-Process-Flow-768x284.jpg 768w, https:\/\/www.sepaxmlgenerator.com\/wp-content\/uploads\/2020\/04\/SEPA-XML-GENERATOR-User-Process-Flow-1536x568.jpg 1536w, https:\/\/www.sepaxmlgenerator.com\/wp-content\/uploads\/2020\/04\/SEPA-XML-GENERATOR-User-Process-Flow-2048x757.jpg 2048w, https:\/\/www.sepaxmlgenerator.com\/wp-content\/uploads\/2020\/04\/SEPA-XML-GENERATOR-User-Process-Flow-1200x444.jpg 1200w, https:\/\/www.sepaxmlgenerator.com\/wp-content\/uploads\/2020\/04\/SEPA-XML-GENERATOR-User-Process-Flow-1980x732.jpg 1980w\" sizes=\"auto, (max-width: 2560px) 100vw, 2560px\" \/><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-283 size-full\" src=\"https:\/\/www.sepaxmlgenerator.com\/wp-content\/uploads\/2020\/02\/SEPA-XML.jpg\" alt=\"SEPA XML\" width=\"321\" height=\"157\" srcset=\"https:\/\/www.sepaxmlgenerator.com\/wp-content\/uploads\/2020\/02\/SEPA-XML.jpg 321w, https:\/\/www.sepaxmlgenerator.com\/wp-content\/uploads\/2020\/02\/SEPA-XML-300x147.jpg 300w\" sizes=\"auto, (max-width: 321px) 100vw, 321px\" \/><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Skr\u00f3t SEPA oznacza Jednolity Obszar P\u0142atno\u015bci w Euro (Single Euro Payments Area) i, jak mo\u017cna si\u0119 domy\u015bli\u0107, standard ten zosta\u0142 ustanowiony przez Uni\u0119 Europejsk\u0105. W praktyce jest to standard, do kt\u00f3rego przestrzegaj\u0105 si\u0119 wszystkie kraje Unii Europejskiej, umo\u017cliwiaj\u0105cy harmonizacj\u0119 w zakresie bezgot\u00f3wkowych przelew\u00f3w mi\u0119dzy bankami a ich klientami korzystaj\u0105cymi z polecenia zap\u0142aty. SEPA dotyczy nie <a href=\"https:\/\/www.sepaxmlgenerator.com\/pl\/blog\/eine-geschichte-von-sepa-xml\/\" class=\"more-link\">&#8230;<span class=\"screen-reader-text\">  Historia formatu XML w ramach SEPA<\/span><\/a><\/p>\n","protected":false},"author":2,"featured_media":1524,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[233],"tags":[377],"class_list":["post-2261","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-sepa-xml-pl","tag-sepa-xml-pl"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Generowanie plik\u00f3w SEPA XML i oprogramowanie XML SEPA \u2013 Historia formatu SEPA XML<\/title>\n<meta name=\"description\" content=\"Historia SEPA (Jednolitego Obszaru P\u0142atno\u015bci w Euro), przyczyny powstania SEPA oraz korzy\u015bci, 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