digitick/php-sepa-xml — pull request #13 by olivier1980 (2013-09-05 07:50:07+00:00)
Title: SepaCreditTransfer: make BIC optional

The BIC field for the creditor in a transaction is optional according to protocol specifications.
Not passing the BIC value will now produce an empty (invalid) XML element.
This fix has been tested with a live bank credit transfer (Rabobank NL).