ebics-client-php

PHP library to make requests by EBICS protocol for financial establishments. Support EBICS versions: 2.4, 2.5, 3.0; Encryption versions: E002, X002, A005, A006; Switching EBICS T/TS.

View the Project on GitHub ebics-api/ebics-client-php

EBICS-CLIENT-PHP

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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.

:white_check_mark: Check the DEMO to see if it meets your needs.
:white_check_mark: Integrate effortlessly with banks across Europe using the trusted EBICS standard.
:white_check_mark: Easily integrate with applications written in any programming language — thanks to a clean, well-documented REST API.
:white_check_mark: Apply fine-grained control over users and connections for compliance and security.
:white_check_mark: Create, send, and manage EBICS orders directly from your app or backend system.
:white_check_mark: View and manage all bank connections and monitor access logs in real time.
:white_check_mark: Automate EBICS operations, fetch files on schedule, and store them securely.
:white_check_mark: 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';
$keyringManager = new FileKeyringManager();
if (is_file($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
        }
    }
}

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