Electronic Banking Internet Communication Standard

coco:EBICS

Proven ready-to-go-Solutions

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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

Make your bank compliant

 

with EBICS! We offer numerous modules for the implementation of various business scenarios.

Be quick! Our turn-key products allow short time-to-market.

Be relaxed! Even now, our user-friendly systems process millions of EBICS transactions every day.

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.

EBICS Server

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.

In addition to the latest EBICS 3.0 standard, the system supports all prior versions of the EBICS standard in all country-specific versions of Germany, France and Switzerland, the countries organising EBICS.

Using various plug-ins contained in a large library of plug-in features and APIs the bank can use to integrate new features, the system can be flexibly expanded.

  • 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

Using EBICS Kernel API, banks can expand existing banking platforms with EBICS features.

The API combines the EBICS standards for Germany, France and Switzerland - from Standard 3.0 upwards.

  • Transfer of payment and non-payment files
  • Retrieval of banking information and cash management data (statement data, status reports etc.)
  • Additional features for key management such as generating EBICS keys, INI letters, HIA letters etc.

EBICS Portal

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.

  • Central dashboard
  • Multi-banking-capable
  • Payment creation and import
  • Payment authorisation using Distributed Digital Signatures (DDS)
  • Cash management
  • Real-time notifications using a WebSocket interface to brief clients on recently arrived report data and general information

EBICS APP

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.

  • Transfer of payment and non-payment files
  • Retrieval of banking information and cash management data (statement data, status reports etc.)
  • Additional features for key management such as generating EBICS keys, INI letters, HIA letters etc.

REGULATORY EXCELLENCE IN BANKING

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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.

Joachim Blank coconet Group

Joachim Blank

Head of Global Product Management

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