Client-Abo

• ✓ 1 bank, 1 user
• ✓ EBICS 3.0 (H005)
• ✓ ionCube binary + license token
• ✓ Rolling updates included
• ✓ Cancel monthly

API-Abo

• ✓ EBICS 3.0 via REST API
• ✓ No own installation needed
• ✓ API token, HTTPS/TLS
• ✓ Usage-based: € 0.08 / call
• ✓ Cancel monthly

Integrator

• ✓ Unlimited banks & users
• ✓ Full source code
• ✓ Git access, rolling updates
• ✓ EBICS 3.0 (H005)
• ✓ Annual term

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

	
$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");
	
	

	
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

- PHP 5.6 or greater

- 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 receive 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.


	
	

	
$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;

	
	

	
$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;

	
	

	
$Auftrag = "STA"; // STA, PTK, C53, C54
if (isset($_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;