nemiah/php-fints

PHP Library for the protocols fints and hbci

3.5.0 2024-07-01 14:52 UTC

Requires

• php: >=8.0
• ext-curl: *
• ext-mbstring: *
• psr/log: ^1|^2|^3

Requires (Dev)

• friendsofphp/php-cs-fixer: 3.*
• php-mock/php-mock-phpunit: 2.6.*
• phpunit/phpunit: 9.5.*

Suggests

• abcaeffchen/sephpa: 1.*
• monolog/monolog: Allow sending log messages to a variety of different handlers
• nemiah/php-sepa-xml: dev-master

MIT

README

A PHP library implementing the following functions of the FinTS/HBCI protocol:

• Get accounts
• Get balance
• Get transactions
• Execute direct debit
• Execute transfer
• Note that any other functions mentioned in section C of the specification should be relatively straightfoward to implement.

Forked from mschindler83/fints-hbci-php, but then mostly reimplemented.

Getting Started

Before using this library (or any other FinTS library), you have to register your application with Die Deutsche Kreditwirtschaft in order to get your registration number. Note that this process can take several weeks. First you receive your registration number after a couple days, but then you have to wait anywhere between 0 and 8+ weeks for the registration to reach your bank's server. If you have multiple banks, it probably reaches them at different times.

Then install the library via composer:

composer require nemiah/php-fints

See the examples in the "Samples" folder to get started on your code. Fill out the required configuration in init.php (server details can be obtained at www.hbci-zka.de after registration). Then execute tanModesAndMedia.php and later login.php. Once you are able to login without any issues, you can move on to the other examples.

Banks with special needs

If you are developing an online banking application with this library, please be aware of the following exceptions:

Hypovereinsbank

The BLZ 71120078 will throw an "Unbekanntes Kreditinstitut" exception when used with the URL https://hbci-01.hypovereinsbank.de/bank/hbci. You have to use BLZ 70020270 instead.

if (trim($url) == 'https://hbci-01.hypovereinsbank.de/bank/hbci')
	$blz = '70020270';

ING Diba

This bank does not support PSD2:

if(trim($blz) == "50010517")
	$fints->selectTanMode(new Fhp\Model\NoPsd2TanMode());

Contribute

Contributions are welcome! See the developer guide for some background information.

We use a slightly modified version of the Symfony Coding-Style. Please run

composer update

and

composer cs-fix

before sending a PR.

Bank compatibility

Different banks implement different versions of the HBCI and FinTS specifications, and they also interpret the specification differently sometimes. In addition, banks behave differently (within the boundaries of the specification) when it comes to validation (some may tolerate slightly wrong requests), TANs (some ask for TANs more often than others) and allowed parameters (not all banks support all parameter combinations).

This library aims to be compatible with all banks that support FinTS V3.0 and PIN/TAN-based authentication according to PSD2 regulations, which includes most relevant German banks. Currently, it works with the most popular banks at least, and probably with most others too. Some corner cases (e.g. Mehrfach-TANs or SMS-Abbuchungskonto for mTAN fees) are not and probably will not be supported. Those banks with a dedicated integration test have been tested most extensively.

If you encounter any problems with your particular bank, please check for open GitHub issues or open a new one.