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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.

There are two versions of EBICS

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

Access to the EBICS protocol is free, and transmissions are carried out over the internet in a secure form using the following model:
  • 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
Transmissions EBICS

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?

With EBICS, you can:
Send your orders directly
to the bank
Receive your unpaid order notices
so you can update your customer account:
automatically receive failed direct debits (camt.054 via EBICS)

Receive your Payment Status Reports
(PSR)