Schema changes don't derail your PSD2 submissions
Fynrex monitors NCA schema registries in real time and auto-regenerates compliant XML report packages before your quarterly deadline — without manual intervention.
FCA_PAIN001_v3.1.3_2026Q2.xml
PAIN.001 v3.1.2 → v3.1.3
XBRL taxonomy v4.2 → v4.3
PAIN.002 v2.0.4 → v2.0.5
PAIN.001 v3.1.2 → v3.1.3
XBRL taxonomy v4.2 → v4.3
PAIN.002 v2.0.4 → v2.0.5
PSD2 reporting fails at the schema layer
NCAs update schema versions on irregular schedules with no proactive notification to regulated entities. Most compliance teams find out after a failed submission.
Schema versions change without notice
NCAs push schema updates to their registries on irregular schedules. Most compliance teams find out when a submission is rejected.
Manual re-validation takes days
Rebuilding a compliant XML report package for a new schema version requires specialist XML knowledge, NCA documentation, and days of testing.
Quarterly deadlines don't move
A rejected submission at deadline means penalty exposure. Most NCAs impose fixed submission windows with no grace period for technical failures.
Automated from registry watch to compliant package
Monitor
Fynrex continuously watches official NCA schema registries — FCA, BaFin, ACPR, DNB, and more — for version updates and amendment notices.
Detect
When a schema version change is published, Fynrex parses the diff, maps the changes against your institution's transaction data model, and flags impacts.
Regenerate
Fynrex automatically regenerates your compliant XML report package — PAIN.001/PAIN.002 and NCA-specific variants — against the new schema version.
Validate & Archive
The generated package is schema-validated, timestamped, and stored with full provenance for audit trail purposes.
The compliance automation layer for PSD2 reporting
Schema Version Tracking
Real-time diff between current and previous NCA schema versions, with impact analysis against your data model.
Submission Calendar
NCA-synchronized deadline calendar with automated reminders and pre-deadline status checks.
XML Package Generator
Produces submission-ready PAIN.001, PAIN.002 and NCA-specific XML packages validated against the active schema.
Audit Trail
Immutable submission history with schema version provenance, timestamps, and correction filing records.
Rejection Analysis
When a submission fails NCA validation, Fynrex identifies the schema field that caused the rejection and generates a corrected package.
Access Controls
Role-based access for compliance officers, external advisors, and auditors. Full SSO and audit log support.
Coverage across Europe's principal NCAs
Fynrex is actively maintained for the regulators that matter to European payment institutions and e-money license holders.
Trusted by compliance teams at European payment institutions
"Before Fynrex, we discovered schema changes the same week as the quarterly deadline. Twice we filed corrections. Now we have at least three weeks' warning before any submission window."
"The BaFin schema updates in Q4 2025 would have cost us two weeks of manual rework. Fynrex had a regenerated package ready within 48 hours of the registry update."