README

PHP library to communicate with a bank through EBICS protocol.
PHP EBICS Client - https://ebics-api.github.io/ebics-client-php/
Supported PHP versions - PHP 7.2 and higher
Supported EBICS versions: 2.4, 2.5, 3.0; Encryption versions: E002, X002, A005, A006; Switching EBICS T/TS

💥 (Premium) EBICS API Client

EBICS API Client - https://sites.google.com/view/ebics-api-client
Accelerate your financial connectivity with powerful EBICS API Client, designed for seamless integration into your infrastructure. Whether deployed as a standalone web service or via Docker, it’s the fastest way to connect to banks using the EBICS protocol.

✅ Check the DEMO to see if it meets your needs.
✅ Integrate effortlessly with banks across Europe using the trusted EBICS standard.
✅ Easily integrate with applications written in any programming language — thanks to a clean, well-documented REST API.
✅ Apply fine-grained control over users and connections for compliance and security.
✅ Create, send, and manage EBICS orders directly from your app or backend system.
✅ View and manage all bank connections and monitor access logs in real time.
✅ Automate EBICS operations, fetch files on schedule, and store them securely.
✅ Automatically backs up fetched files and keyring data to ensure reliability and disaster recovery readiness.

Perfect for fintechs, ERPs, payment processors, and enterprises needing a robust, future-proof EBICS integration — without vendor lock-in.

License

ebics-api/ebics-client-php is licensed under the MIT License, see the LICENSE file for details

Installation

$ composer require ebics-api/ebics-client-php

Initialize client

You will need to have this information from your Bank: HostID, HostURL, PartnerID, UserID

<?php
use EbicsApi\Ebics\Factories\KeyringFactory;
use EbicsApi\Ebics\Services\FileKeyringManager;
use EbicsApi\Ebics\Models\Bank;
use EbicsApi\Ebics\Models\User;
use EbicsApi\Ebics\EbicsClient;
use EbicsApi\Ebics\Models\X509\BankX509Generator;

// Prepare `workspace` dir in the __PATH_TO_WORKSPACES_DIR__ manually.
// "__EBICS_VERSION__" should have value "VERSION_30" for EBICS 3.0
$keyringPath = __PATH_TO_WORKSPACES_DIR__ . '/workspace/keyring.json';
$keyringManager = new FileKeyringManager(new KeyringFactory);
if (is_file($keyringPath)) {
    $keyring = $keyringManager->loadKeyring($keyringPath, __PASSWORD__, __EBICS_VERSION__);
} else {
    $keyring = $keyringManager->createKeyring(__EBICS_VERSION__);
    $keyring->setPassword(__PASSWORD__);
}
$bank = new Bank(__HOST_ID__, __HOST_URL__);
// Use __IS_CERTIFIED__ true for EBICS 3.0 and/or French banks, otherwise use false.
if(__IS_CERTIFIED__) {
    $certificateGenerator = (new BankX509Generator());
    $certificateGenerator->setCertificateOptionsByBank($bank);
    $keyring->setCertificateGenerator($certificateGenerator);
}
$user = new User(__PARTNER_ID__, __USER_ID__);
$client = new EbicsClient($bank, $user, $keyring);
if (!is_file($keyringPath)) {
    $client->createUserSignatures();
    $keyringManager->saveKeyring($client->getKeyring(), $keyringPath);
}

Global process and interaction with Bank Department

1. Create and store your 3 keys and send initialization request.

<?php

use EbicsApi\Ebics\Contracts\EbicsResponseExceptionInterface;

/* @var \EbicsApi\Ebics\EbicsClient $client */

try {
    $client->INI();
    /* @var \EbicsApi\Ebics\Services\FileKeyringManager $keyringManager */
    /* @var \EbicsApi\Ebics\Models\Keyring $keyring */
    $keyringManager->saveKeyring($keyring, $keyringRealPath);
} catch (EbicsResponseExceptionInterface $exception) {
    echo sprintf(
        "INI request failed. EBICS Error code : %s\nMessage : %s\nMeaning : %s",
        $exception->getResponseCode(),
        $exception->getMessage(),
        $exception->getMeaning()
    );
}

try {
    $client->HIA();
    $keyringManager->saveKeyring($keyring, $keyringRealPath);
} catch (EbicsResponseExceptionInterface $exception) {
    echo sprintf(
        "HIA request failed. EBICS Error code : %s\nMessage : %s\nMeaning : %s",
        $exception->getResponseCode(),
        $exception->getMessage(),
        $exception->getMeaning()
    );
}

2. Generate a EBICS letter

/* @var \EbicsApi\Ebics\EbicsClient $client */
$ebicsBankLetter = new \EbicsApi\Ebics\EbicsBankLetter();

$bankLetter = $ebicsBankLetter->prepareBankLetter(
    $client->getBank(),
    $client->getUser(),
    $client->getKeyring()
);

$pdf = $ebicsBankLetter->formatBankLetter($bankLetter, $ebicsBankLetter->createPdfBankLetterFormatter());

3. Wait for the bank validation and access activation.

4. Fetch the bank keys.

try {
    /* @var \EbicsApi\Ebics\EbicsClient $client */
    $client->HPB();
    /* @var \EbicsApi\Ebics\Services\FileKeyringManager $keyringManager */
    /* @var \EbicsApi\Ebics\Models\Keyring $keyring */
    $keyringManager->saveKeyring($keyring, $keyringRealPath);
} catch (EbicsResponseExceptionInterface $exception) {
    echo sprintf(
        "HPB request failed. EBICS Error code : %s\nMessage : %s\nMeaning : %s",
        $exception->getResponseCode(),
        $exception->getMessage(),
        $exception->getMeaning()
    );
}

5. Play with other transactions!

Transaction	Description
HEV	Download supported protocol versions for the Bank.
INI	Send to the bank public signature of signature A005.
HIA	Send to the bank public signatures of authentication (X002) and encryption (E002).
H3K	Send to the bank public signatures of signature (A005), authentication (X002) and encryption (E002).
HPB	Download the Bank public signatures authentication (X002) and encryption (E002).
SPR	Suspend activated keyring.
HPD	Download the bank server parameters.
HKD	Download customer's customer and subscriber information.
HTD	Download subscriber's customer and subscriber information.
HAA	Download Bank available order types.
PTK	Download transaction status.
FDL	Download the files from the bank.
FUL	Upload the files to the bank.
VMK	Download the interim transaction report in SWIFT format (MT942).
STA	Download the bank account statement.
BKA	Download electronic account statement in pdf format.
C52	Download the bank account report in Camt.052 format.
C53	Download the bank account statement in Camt.053 format.
C54	Download Debit Credit Notification (DTI).
Z52	Download the bank account report in Camt.052 format (i.e Switzerland financial services).
Z53	Download the bank account statement in Camt.053 format (i.e Switzerland financial services).
Z54	Download the bank account statement in Camt.054 format (i.e available in Switzerland).
ZSR	Download Order/Payment Status report.
XEK	Download account information as PDF-file.
CCT	Upload initiation of the credit transfer per Single Euro Payments Area.
CIP	Upload initiation of the instant credit transfer per Single Euro Payments Area.
XE2	Upload initiation of the Swiss credit transfer (i.e available in Switzerland).
XE3	Upload SEPA Direct Debit Initiation, CH definitions, CORE (i.e available in Switzerland).
YCT	Upload Credit transfer CGI (SEPA & non SEPA).
CDD	Upload initiation of the direct debit transaction.
CDB	Upload initiation of the direct debit transaction for business.
BTD	Download request files of any BTF structure.
BTU	Upload the files to the bank.
HVU	Download List the orders for which the user is authorized as a signatory.
HVZ	Download VEU overview with additional information.
HVE	Upload VEU signature for order.
HVD	Download the state of a VEU order.
HVT	Download detailed information about an order from VEU processing for which the user is authorized as a signatory.

If you need to parse Cfonb 120, 240, 360 use ebics-api/cfonb-php
If you need to parse MT942 use ebics-api/mt942-php

Keyring schema

{
    "VERSION": "VERSION_24|VERSION_25|VERSION_30",
    "USER": {
        "A": {
            "VERSION": "A005|A006",
            "CERTIFICATE": "null|string",
            "PUBLIC_KEY": "string",
            "PRIVATE_KEY": "string"
        },
        "E": {
            "CERTIFICATE": "null|string",
            "PUBLIC_KEY": "string",
            "PRIVATE_KEY": "string"
        },
        "X": {
            "CERTIFICATE": "null|string",
            "PUBLIC_KEY": "string",
            "PRIVATE_KEY": "string"
        }
    },
    "BANK": {
        "E": {
            "CERTIFICATE": "null|string",
            "PUBLIC_KEY": "null|string",
            "PRIVATE_KEY": null
        },
        "X": {
            "CERTIFICATE": null,
            "PUBLIC_KEY": "null|string",
            "PRIVATE_KEY": null
        }
    }
}

Backlog

Format validators for all available ISO 20022 formats:
- upload: PAIN.001, PAIN.008, MT101, TA875, CFONB320, CFONB160 with different versions.
- download: PAIN.002, CAMT.052, CAMT.053, CAMT.054, MT199, MT900, MT910, MT940, MT942, CFONB240,CFONB245, CFONB120
Country's Bank specific order types
Refactor by abstraction Download and Upload Order types

andrew-svirin / ebics-client-php

Maintainers

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