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Informations about the package ebics-client-php
EBICS-CLIENT-PHP
PHP library to communicate with a bank through EBICS protocol.
PHP EBICS Client - https://ebics-api.github.io/ebics-client-php/
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 is a standalone microservice that wraps this library into a ready-to-deploy banking integration solution. Ideal for fintechs, ERPs, payment processors, and enterprises needing a robust EBICS integration without building and maintaining the client layer yourself.
Premium Features
- 🚀 Instant deployment — Docker-based microservice, deploy in minutes.
- 🔌 REST API — Complete EBICS operations via simple HTTP calls. No PHP expertise needed.
-
🧪 Dummy EBICS Server — Develop and test your integration locally without a real bank.
Key Value URL https://localhost/ebics-server-stubHost ID EBICSSTUBPartner ID P07User ID U07 -
🤖 MCP Server for AI Agents — Connect AI coding assistants directly to your EBICS server.
- 📊 Admin dashboard — Monitor transactions, manage keys, view logs.
- 🛡️ Priority support — Direct access to the development team.
👉 Try the DEMO · Learn more · Watch the video
Already using the open-source library and need more? The Premium microservice is the natural next step — no rewrite, same protocol support, zero configuration debt.
License
ebics-api/ebics-client-php is licensed under the MIT License, see the LICENSE file for details
Installation
Initialize client
You will need to have this information from your Bank: HostID, HostURL, PartnerID, UserID
Global process and interaction with Bank Department
1. Create and store your 3 keys and send initialization request.
2. Generate a EBICS letter
3. Wait for the bank validation and access activation.
4. Fetch the bank keys.
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). |
| HCS | Upload for renewing user certificates. |
| 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 (Plain text). |
| HAC | Download transaction status (XML). |
| FDL | Download the files from the bank. |
| FUL | Upload the files to the bank. |
| BTD | Download request files of any BTF structure. |
| BTU | Upload the files to the bank. |
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
All versions of ebics-client-php with dependencies
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