EBICS Banking Communication Protocol | Direct-debits
Sending and receiving SEPA Direct Debit files with EBICS
You can use the EBICS protocol to send your SEPA direct debit files from Direct-debits automatically and receive unpaid order notices and Payment Status Reports (PSR).
EBICS is an interbank protocol: it can be used to exchange information with any bank in France, Germany, Austria, and Switzerland. In addition to banks in these three countries, other European banks are integrating this protocol. In addition to banks in these three countries, other European banks are integrating this protocol.
EBICS T
(for transport)
enables files to be exchanged easily
EBICS TS
(for transport and signature)
enables users to exchange files and to sign orders digitally
EBICS access and transmissions
- The banks provide an EBICS server so their customers can receive their statements (account statements…) and send their banking orders (within the framework of a service contract)
- The banking management and cash management software have an EBICS module to enable communication with the banks’ servers

The advantages of EBICS
A single system across France, Germany, Austria, and Switzerland
Compatible with the SEPA direct debit and transfer formats
Integrated personal digital signature
Free access
(quick and very secure, enables large volumes of files to be sent)
To find out more about the creation of the EBICS protocol, visit the European Payments Council website (www.europeanpaymentscouncil.eu).
Why choose EBICS in Direct-debits?
to the bank
so you can update your customer account:
automatically receive failed direct debits (camt.054 via EBICS)
Receive your Payment Status Reports
(PSR)