Electronic Banking Internet Communication Standard
EBICS has developed into a popular process for secure data transfer between corporate clients and banks. In Germany, France and Switzerland, EBICS is the official standard – but EBICS is also offered by banks in many other European countries. In addition to standardised specifications for data transfer between corporate clients and banks, EBICS also includes standardised specifications for the authorisation of payments using digital signatures. Over the years, EBICS has not only established itself in European client-bank procedures but has now also become a communication standard for inter-bank payment transactions.
The current version is EBICS 3.0 - 22nd November 2022 is the planned end date specified by the German Federal Bank for the change to EBICS 3.0 in Germany. more about EBICS 3.0
EBICS Server to receive payment files and provide banking information (statement data, status reports etc.)
EBICS Portal as a front-end channel/banking platform for sending payment files and retrieving cash management data/banking information
EBICS Kernel API to integrate into existing banking platforms for sending payment files and retrieving cash management data/banking information
EBICS APP as a multi-bank-capable EBICS smartphone solution for corporate clients
Please see below for more detailed information
THE BEST EBICS-BASED MULTI-BANKING SOLUTIONS FOR CORPORATE PAYMENTS
coco:EBICS offers you and your corporate clients a wide portfolio related to the specification. All solutions are continuously adapted to the latest EBICS version and provided as a ready-to-go package.
Actively brief your clients on new report data available for download and general information with real-time notifications using the push-system. In this way, your corporate clients can process the information practically in real-time. As opposed to permanently cyclical data retrieval, targeted retrieval reduces system load significantly.
Our EBICS solutions also provide a WebSocket interface in accordance with Deutsche Kreditwirtschaft (DK) specifications.
RECEIVING AND SENDING TRANSACTIONS
As a central middleware product, EBICS Server is the data hub for receiving and sending all EBICS banking data such as payment and reporting files.
The comprehensive functionality of EBICS Server is based on multi:bank, one of the most successful as well as tried-and-tested software products provided by coconet.
- Format checking
- Signature checking
- Active EBICS transfer to other banks
- Limit checking
- Account credential checking
- Channel rights
- Product permissions (order types/BTF parameters)
- Conversion of payment formats and report data
- Real-time notifications using a WebSocket interface to brief clients on recently arrived report data and general information
EBICS Kernel API
EXPANSION OF EXISTING BANKING PLATFORMS
FRONTEND CHANNEL FOR PAYMENTS AND CASH MANAGEMENT
The EBICS portal provides corporate clients with a central multi-bank-capable banking access channel that includes a convenient dashboard. This solution for transactions and cash management is one of the most user-friendly on the market (Greenwich Institute).
The solution is based on the internationally successful multi:bank which is available in more than 30 country-specific versions and is used by more than a million corporate clients every day.
MOBILE CHANNEL FOR CORPORATE CLIENTS
EBICS App is a comprehensive, multi-bank-capable smartphone solution for corporate clients.
App users can keep an eye on their balances, profits and statements anywhere and at any time. Users can authorise payments wherever they are.
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Throughout Europe, many prominent financial institutions are relying on our EBICS expertise as well as tried-and-tested transaction solutions for corporate clients - become a part of multi:versa.