you want to speak with your bank?

with smart ebics client you can!

EBICS 2.5 PHP Client

SEPA Direct Debit

SEPA Credit Transfer

Balance and Bankstatements

PHP Class Features

tested with PHP 5.3, 5.4, 5.6, 7.1, 7.2, 7.3

licensed limited Version with ION Cube Binary

unlimited sourcecode Version for Integrators

EBICS API Features

HTTP API TLS secured

low monthly fee

unlimited Version for professionall use

Software

PHP class, easy to integrate


SEPA debitnote/transfer


Bankstatements / CAMT / MT940


EDS (electronic distributed signature)



Lizenzen

Limited max. 1 Bank and User


unlimited developer Version


API Limited max. 1 Bank and User


API unlimited Version


Support

Ticket System


Live Chat


E-Mail Support





Include Class:

	
$data_path = getcwd(). "/.ebics_client_data/";
$work_dir = getcwd();


error_reporting(E_ALL);
ini_set('display_errors', 1);
set_include_path(get_include_path().PATH_SEPARATOR .$work_dir."/phpseclib");

include_once("Crypt/RSA.php");
include_once('Crypt/Rijndael.php');
include_once('mt940/autoload.php');		
		

define('CLASSES_ROOT',$work_dir);

include("ebics_client.class.php");
include("sepa.class.php");
	
	
Examples - EBICS Initialization:

	
1. What this software does

This software is intended to be used as a class for programming EBICS clients written in
PHP. With this software you can upload or download data from EBICS servers (normally hosted
at a datacenter owned or managed by a bank).

2. Requirements

php5.3/php5.4

- php5-curl php5-gmp php5-mcrypt openssl php5-xmlrpc php-pear

- run in isolated vm and connect your app via vpn tunnel


3. Tested bank institutes

This client has been tested with.

- Sparkasse 

- Volks + Raiffeisenbank

- Commerzbank

- Postbank

- Deutsche Bank

- UBS Schweiz

- procredit Bank

- Banken mit ebics.multivia-suite.de
 
- St. Galler Kantonalbank sgkb.ch !!! crippled EBICS implementation 
  -> https://www.sgkb.ch/download/online/EBICS_Verbindungsparameter.pdf

3. Setup a user

How EBICS Initialization works:

1. The customer (you) requests an EBICS account from your bank and recieve User ID, Partner ID, EBICS Host ID,
EBICS URL and the fingerprints of the public keys of the bank.

2. with this code you create your encryption keys and submit them to the bank:


$ebics = new ebics_client($user_id,$partner_id,$host_id,$host_url,$data_dir);
$ebics->initUser(); // creates a005,x002 and e002 keys...
$ebics->loadUser();

$request = $ebics->INI_request();
$result = $ebics->send_request($request);

$request = $ebics->HIA_request();
$result = $ebics->send_request($request);

$letter = $ebics->getINIHIA_letter();

echo $letter;

3. INI + HIA Letter must be printed and signed and sent back to the bank to activate the EBICS account. After the
bank has activated the account continue with step 4.

4. Get the banks public keys with this call:

$ebics = new ebics_client($user_id,$partner_id,$host_id,$host_url,$data_dir);
$ebics->loadUser();

$result = $ebics->HPB_request();
$result = $ebics->send_request($result);
$parsed = $ebics->parse_response($result,"HPB");


5. EBICS successfully initialized.


	
	
SEPA Lastschrift:

	
$creditor = array("initiator_name" => "Smart Weblications GmbH",
					"id" => "DE52ZZZ00000012516",
					"bic" => "BYLADEM1HOF",
					"iban" => "DE44780500000220626666",
);

$debitor = array("debitor_name" => "Florian Wiessner",
				"id" => "00001337",
				"bic" => "BYLADEM1HOF",
				"iban" => "DE95780500000220696666",
				"verwendungszweck" => "Test SEPA Lastschrift",
				"refnum" => date("YmdHis"),
				"amount" => 23.42,
				"mandate_date_of_sig" => "2011-10-01",
				"payment_id" => "00001337"

);



$sepa = new sepa;
$sepa->loadXML("debitnote");
$sepa->add_debitnote($debitor, $creditor,true);
$sepa_cdd = $sepa->getXML("debitnote",$creditor);


$dom = new DOMDocument('1.0','UTF-8');
$dom->loadXML($sepa_cdd);
$sepa_cdd = preg_replace("/\r|\n/"," ",$dom->C14N());
$sepa_cdd = preg_replace("/\s+/", " ", $sepa_cdd);


$result = $ebics->Upload_init_request("CDD",$sepa_cdd);

print $result;

	
	
SEPA Transfer:

	
$from = array("initiator_name" => "Smart Weblications GmbH",
					"id" => "DE52ZZZ00000012516",
					"bic" => "BYLADEM1HOF",
					"iban" => "DE44780500000220626666",
);

$to = array("name" => "Max Mustermann",
				"bic" => "BYLADEM1HOF",
				"iban" => "DE26244444334444833333",
				"verwendungszweck" => "SEPA Ueberweisung",
				"ref-nummer" => date("YmdHis"),
				"amount" => "23.42"

);

$sepa = new sepa;
$sepa->loadXML("transfer");
$sepa->addPosition($to);
$sepa_transfer = $sepa->getXML("transfer",$from);



$dom = new DOMDocument('1.0','UTF-8');
$dom->loadXML($sepa_transfer);
$sepa_transfer = preg_replace("/\r\n/"," ",$dom->C14N());
$sepa_transfer = preg_replace("/\s+/", " ", $sepa_transfer);


$result = $ebics->Upload_init_request("CCT",$sepa_transfer);

print $result;

	
	
Bankstatements / Balance:

	
$Auftrag = "STA"; // STA, PTK, C53, C54
if (isset($_GET["start"])) { $start = $_GET["start"]; } else { $start = date("Y-m-d",mktime(0,0,0,date("m"),date("d")-7,date("Y"))); } 
if (isset($_GET["end"])) { $end = $_GET["end"]; } else { $end = date("Y-m-d"); } 

$result = $ebics->ebics_request($Auftrag, $start, $end );
$result = $ebics->send_request($result);
$result = $ebics->parse_response($result,$Auftrag);
print $result;

	
	

News

news and updates

29.06.2020 - Florian Wiessner

New PHP EBICS Client released 1.2.13

New PHP EBICS Client released 1.2.13

we added support for the St. Galler Kantonalbank. This bank uses Swiss EBICS method XE2 for upload. The banks implementation of EBICS is incomplete, so not all ordertypes will work.

12.05.2020 - Florian Wiessner

New PHP EBICS Client released 1.2.12

New PHP EBICS Client released 1.2.12

we dropped php mycrypt requirement to be more compatbile with php 7.2 and 7.3, please upgrade to the new version.

26.04.2020 - Florian Wiessner

New PHP EBICS Client released 1.2.11

New PHP EBICS Client released 1.2.11

we fixed some small bugs, please upgrade to the new version.

26.01.2016 - Florian Wiessner

smart ebics online!

Hello User,

on these pages you will find everything related to our PHP EBICS client. If you have any further questions, wirte us an email or contact us through our livechat.

We will keep you updated on this page for any further updates or news regarding EBICS.

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