diff --git a/src/libfintx.Sepa/Helper/SepaHelper.cs b/src/libfintx.Sepa/Helper/SepaHelper.cs
new file mode 100644
index 0000000..58754ad
--- /dev/null
+++ b/src/libfintx.Sepa/Helper/SepaHelper.cs
@@ -0,0 +1,50 @@
+using System;
+using System.Collections.Generic;
+using System.Linq;
+using System.Security;
+using System.Text;
+using System.Text.RegularExpressions;
+using System.Xml;
+
+namespace libfintx.Sepa.Helper
+{
+    public static class SepaHelper
+    {
+        public static string Escape(string str)
+        {
+            // Zunächst XML-escapen
+            var escaped = SecurityElement.Escape(str);
+            // Dann sicherstellen, dass nur gemäß SEPA gültige Zeichen verwendet werden
+            return ConvertToValidSepaString(escaped);
+        }
+
+        public static string ConvertToValidSepaString(string str)
+        {
+            return new string(str.Select(c => ConvertToValidSepaString(c)).SelectMany(s => s).ToArray());
+        }
+
+        /// <summary>
+        /// Hier findet kein XML-Escaping statt, sondern es wird sichergestellt, dass nur die in SEPA gültigen Zeichen verwendet werden.
+        /// </summary>
+        /// <param name="c"></param>
+        /// <returns></returns>
+        private static string ConvertToValidSepaString(char c)
+        {
+            switch (c)
+            {
+                case 'Ä': return "Ae";
+                case 'Ö': return "Oe";
+                case 'Ü': return "Ue";
+                case 'ä': return "ae";
+                case 'ö': return "oe";
+                case 'ü': return "ue";
+                case 'ß': return "ss";
+            }
+
+            if (!Regex.Match($"{c}", @"^[\sa-zA-Z0-9/?:\(\)\.,'+-]$").Success)
+                return string.Empty;
+
+            return $"{c}";
+        }
+    }
+}
\ No newline at end of file
diff --git a/src/libfintx.Sepa/Pain/pain00100203.cs b/src/libfintx.Sepa/Pain/pain00100203.cs
index 23a7e3b..f646953 100644
--- a/src/libfintx.Sepa/Pain/pain00100203.cs
+++ b/src/libfintx.Sepa/Pain/pain00100203.cs
@@ -25,6 +25,7 @@
 using System.Collections.Generic;
 using System.Security;
 using libfintx.Globals;
+using libfintx.Sepa.Helper;
 
 namespace libfintx.Sepa
 {
@@ -52,9 +53,9 @@ public static string Create(string Accountholder, string AccountholderIBAN, stri
 
             var Amount_ = Amount.ToString().Replace(",", ".");
 
-            var Accountholder_ = SecurityElement.Escape(Accountholder);
-            var Receiver_ = SecurityElement.Escape(Receiver);
-            var Usage_ = SecurityElement.Escape(Usage);
+            var Accountholder_ = SepaHelper.Escape(Accountholder);
+            var Receiver_ = SepaHelper.Escape(Receiver);
+            var Usage_ = SepaHelper.Escape(Usage);
 
             string Message = "<?xml version=\"1.0\" encoding=\"UTF-8\"?>" +
                 "<Document xmlns=\"urn:iso:std:iso:20022:tech:xsd:pain.001.002.03\" xmlns:xsi=\"http://www.w3.org/2001/XMLSchema-instance\" xsi:schemaLocation=\"urn:iso:std:iso:20022:tech:xsd:pain.001.002.03 pain.001.002.03.xsd\">" +
diff --git a/src/libfintx.Sepa/Pain/pain00100303.cs b/src/libfintx.Sepa/Pain/pain00100303.cs
index 8e70053..ee53c09 100644
--- a/src/libfintx.Sepa/Pain/pain00100303.cs
+++ b/src/libfintx.Sepa/Pain/pain00100303.cs
@@ -25,6 +25,7 @@
 using System.Collections.Generic;
 using System.Security;
 using libfintx.Globals;
+using libfintx.Sepa.Helper;
 
 namespace libfintx.Sepa
 {
@@ -53,9 +54,9 @@ public static string Create(string Accountholder, string AccountholderIBAN, stri
 
             var Amount_ = Amount.ToString().Replace(",", ".");
 
-            var Accountholder_ = SecurityElement.Escape(Accountholder);
-            var Receiver_ = SecurityElement.Escape(Receiver);
-            var Usage_ = SecurityElement.Escape(Usage);
+            var Accountholder_ = SepaHelper.Escape(Accountholder);
+            var Receiver_ = SepaHelper.Escape(Receiver);
+            var Usage_ = SepaHelper.Escape(Usage);
 
             string Message = "<?xml version=\"1.0\" encoding=\"UTF-8\" standalone=\"yes\"?>" +
                 "<Document xmlns=\"urn:iso:std:iso:20022:tech:xsd:pain.001.003.03\" xmlns:xsi=\"http://www.w3.org/2001/XMLSchema-instance\" xsi:schemaLocation=\"urn:iso:std:iso:20022:tech:xsd:pain.001.003.03 pain.001.003.03.xsd\">" +
diff --git a/src/libfintx.Sepa/Pain/pain00800202.cs b/src/libfintx.Sepa/Pain/pain00800202.cs
index b39032b..fdfb2ef 100644
--- a/src/libfintx.Sepa/Pain/pain00800202.cs
+++ b/src/libfintx.Sepa/Pain/pain00800202.cs
@@ -25,6 +25,7 @@
 using System.Collections.Generic;
 using System.Security;
 using libfintx.Globals;
+using libfintx.Sepa.Helper;
 
 namespace libfintx.Sepa
 {
@@ -63,9 +64,9 @@ public static string Create(string Accountholder, string AccountholderIBAN, stri
 
             var Amount_ = Amount.ToString().Replace(",", ".");
 
-            var Accountholder_ = SecurityElement.Escape(Accountholder);
-            var Payer_ = SecurityElement.Escape(Payer);
-            var Usage_ = SecurityElement.Escape(Usage);
+            var Accountholder_ = SepaHelper.Escape(Accountholder);
+            var Payer_ = SepaHelper.Escape(Payer);
+            var Usage_ = SepaHelper.Escape(Usage);
 
             string Message = "<?xml version=\"1.0\" encoding=\"UTF-8\"?>" +
                 "<Document xmlns=\"urn:iso:std:iso:20022:tech:xsd:pain.008.002.02\" xmlns:xsi=\"http://www.w3.org/2001/XMLSchema-instance\" xsi:schemaLocation=\"urn:iso:std:iso:20022:tech:xsd:pain.008.002.02 pain.008.002.02.xsd\">" +
diff --git a/src/libfintx.Sepa/libfintx.Sepa.csproj b/src/libfintx.Sepa/libfintx.Sepa.csproj
index 7bcb7d8..48e2b92 100644
--- a/src/libfintx.Sepa/libfintx.Sepa.csproj
+++ b/src/libfintx.Sepa/libfintx.Sepa.csproj
@@ -8,10 +8,16 @@
     <ProjectReference Include="..\libfintx.Globals\libfintx.Globals.csproj" />
   </ItemGroup>
 
+  <ItemGroup>
+    <None Remove="Helper\" />
+  </ItemGroup>
   <ItemGroup>
     <None Update="Pain\pain_001_001_03\pain.001.001.03.xsd">
       <SubType>Designer</SubType>
     </None>
   </ItemGroup>
 
+  <ItemGroup>
+    <Folder Include="Helper\" />
+  </ItemGroup>
 </Project>
diff --git a/src/libfintx.Tests/Pain/pain00100103Tests.cs b/src/libfintx.Tests/Pain/pain00100103Tests.cs
index 0b1b1f9..08472a8 100644
--- a/src/libfintx.Tests/Pain/pain00100103Tests.cs
+++ b/src/libfintx.Tests/Pain/pain00100103Tests.cs
@@ -3,11 +3,26 @@
 using libfintx.FinTS;
 using System.Collections.Generic;
 using libfintx.Sepa;
+using System.Reflection;
+using System.IO;
+using System.Text.RegularExpressions;
+using libfintx.Sepa.Helper;
+
 
 namespace libfintx.Tests.Pain
 {
     public class pain00100103Tests
     {
+        [Fact]
+        public void Test_Escape()
+        {
+            string str = SepaHelper.Escape(@"Hübner;;;\\\");
+            Assert.Equal("Huebner", str);
+
+            str = SepaHelper.Escape(@"Der Verwendungszweck der Überweisung ####ist die Mietzahlung.");
+            Assert.Equal("Der Verwendungszweck der Ueberweisung ist die Mietzahlung.", str);
+        }
+
         [Fact(Skip = "You have to set the Arrange variables for this test")]
         public void Create_StateUnderTest_ExpectedBehavior()
         {