EBICS-CLIENT-PHP

PHP library to communicate with a bank through EBICS protocol.
Supported PHP versions - PHP 7.2 - PHP 8.1
Support Ebics server versions: 2.5 (default), 3.0

License

andrew-svirin/ebics-client-php is licensed under the MIT License, see the LICENSE file for details

Development and integration Ebics for your project

👉👍 Contact Andrew Svirin https://www.linkedin.com/in/andriy-svirin-0138a177/

Installation

$ composer require andrew-svirin/ebics-client-php

If you need to parse Cfonb 120, 240, 360 use andrew-svirin/cfonb-php If you need to parse MT942 use andrew-svirin/mt942-php

Initialize client

You will need to have this information from your Bank:

• HostID
• HostURL
• PartnerID
• UserID

<?php

use AndrewSvirin\Ebics\Services\FileKeyRingManager;
use AndrewSvirin\Ebics\Models\Bank;
use AndrewSvirin\Ebics\Models\User;
use AndrewSvirin\Ebics\EbicsClient;

// Prepare `workspace` dir in the __PATH_TO_WORKSPACES_DIR__ manually.
$keyRingRealPath = __PATH_TO_WORKSPACES_DIR__ . '/workspace/keyring.json';
// Use __IS_CERTIFIED__ true for French banks, otherwise use false.
$keyRingManager = new FileKeyRingManager();
$keyRing = $keyRingManager->loadKeyRing($keyRingRealPath, __PASSWORD__);
$bank = new Bank(__HOST_ID__, __HOST_URL__, __EBICS_SERVER_VERSION___);
$bank->setIsCertified(__IS_CERTIFIED__);
$user = new User(__PARTNER_ID__, __USER_ID__);
$client = new EbicsClient($bank, $user, $keyRing);

Make INI, HIA, HPB requests and update key ring.

<?php

use AndrewSvirin\Ebics\Contracts\EbicsResponseExceptionInterface;

try {
    /* @var \AndrewSvirin\Ebics\EbicsClient $client */
    $client->INI();
    /* @var \AndrewSvirin\Ebics\Services\FileKeyRingManager $keyRingManager */
    /* @var \AndrewSvirin\Ebics\Models\KeyRing $keyRing */
    $keyRingManager->saveKeyRing($keyRing, $keyRingRealPath);
} catch (EbicsResponseExceptionInterface $exception) {
    echo sprintf(
        "INI request failed. EBICS Error code : %s\nMessage : %s\nMeaning : %s",
        $exception->getResponseCode(),
        $exception->getMessage(),
        $exception->getMeaning()
    );
}

try {
    $client->HIA();
    $keyRingManager->saveKeyRing($keyRing, $keyRingRealPath);
} catch (EbicsResponseExceptionInterface $exception) {
    echo sprintf(
        "HIA request failed. EBICS Error code : %s\nMessage : %s\nMeaning : %s",
        $exception->getResponseCode(),
        $exception->getMessage(),
        $exception->getMeaning()
    );
}

try {
    $client->HPB();
    $keyRingManager->saveKeyRing($keyRing, $keyRingRealPath);
} catch (EbicsResponseExceptionInterface $exception) {
    echo sprintf(
        "HPB request failed. EBICS Error code : %s\nMessage : %s\nMeaning : %s",
        $exception->getResponseCode(),
        $exception->getMessage(),
        $exception->getMeaning()
    );
}

Note for French Bank

If you are dealing with a french bank, you will need to create a X509 self-signed certificate. You can achieve this by creating a class which extends the AbstractX509Generator (or implements the X509GeneratorInterface if you want a total control about the generation)

<?php

namespace App\Factories\X509;

use AndrewSvirin\Ebics\Models\X509\AbstractX509Generator;

class MyCompanyX509Generator extends AbstractX509Generator
{
    public function getCertificateOptions(array $options = []) : array {
        return [
             'subject' => [
                'DN' => [
                    'id-at-countryName' => 'FR',
                    'id-at-stateOrProvinceName' => 'State',
                    'id-at-localityName' => 'City',
                    'id-at-organizationName' => 'Your company',
                    'id-at-commonName' => 'yourwebsite.tld',
                    ]
                ],
                'extensions' => [
                    'id-ce-subjectAltName' => [
                    'value' => [
                        'dNSName' => '*.yourwebsite.tld',
                    ]
                ],
            ],
        ];
    }
}

You can see more values in the LegacyX509Generator class.

Once your class is created, call the X509GeneratorFactory::setGeneratorClass() method :

<?php

//...
/* @var \AndrewSvirin\Ebics\EbicsClient $client */
$client->INI();
$client->setX509Generator(new MyCompanyX509Generator);

Other examples

FDL (File Download)

<?php

use AndrewSvirin\Ebics\Exceptions\NoDownloadDataAvailableException;
use AndrewSvirin\Ebics\Contracts\EbicsResponseExceptionInterface;

try {
    /* @var \AndrewSvirin\Ebics\EbicsClient $client */
    //Fetch data from your bank
    $fdl = $client->FDL('camt.xxx.cfonb120.stm');

    //Plain format (like CFONB)
    $content = $fdl->getData();
    
    //XML format (Like MT942)
    $xmlContent = $fdl->getDataDocument();
    }
} catch (NoDownloadDataAvailableException $exception) {
    echo "No data to download today !";
} catch (EbicsResponseExceptionInterface $exception) {
    echo sprintf(
        "Download failed. EBICS Error code : %s\nMessage : %s\nMeaning : %s",
        $exception->getResponseCode(),
        $exception->getMessage(),
        $exception->getMeaning()
    );
}

More methods you can find in tests/EbicsTest

EBICS zipped files order types (Z53, Z54).

Some responses are sent as list of files.

/* @var \AndrewSvirin\Ebics\EbicsClient $client */
$z54 = $client->Z54();

$files =$z54->getDataFiles()

Global process and interaction with Bank Department

1. Create and store your 3 keys

<?php

use AndrewSvirin\Ebics\Contracts\EbicsResponseExceptionInterface;

/* @var \AndrewSvirin\Ebics\EbicsClient $client */
// For French bank or for EBICS 3.0.
// MyCompanyX509Generator simple certificate class. Create your own.
$client->setX509Generator(new MyCompanyX509Generator);

try {
    $client->INI();
    /* @var \AndrewSvirin\Ebics\Services\FileKeyRingManager $keyRingManager */
    /* @var \AndrewSvirin\Ebics\Models\KeyRing $keyRing */
    $keyRingManager->saveKeyRing($keyRing, $keyRingRealPath);
} catch (EbicsResponseExceptionInterface $exception) {
    echo sprintf(
        "INI request failed. EBICS Error code : %s\nMessage : %s\nMeaning : %s",
        $exception->getResponseCode(),
        $exception->getMessage(),
        $exception->getMeaning()
    );
}

try {
    $client->HIA();
    $keyRingManager->saveKeyRing($keyRing, $keyRingRealPath);
} catch (EbicsResponseExceptionInterface $exception) {
    echo sprintf(
        "HIA request failed. EBICS Error code : %s\nMessage : %s\nMeaning : %s",
        $exception->getResponseCode(),
        $exception->getMessage(),
        $exception->getMeaning()
    );
}

2. Generate a EBICS letter

/* @var \AndrewSvirin\Ebics\EbicsClient $client */
$ebicsBankLetter = new \AndrewSvirin\Ebics\EbicsBankLetter();

$bankLetter = $ebicsBankLetter->prepareBankLetter(
    $client->getBank(),
    $client->getUser(),
    $client->getKeyRing()
);

$pdf = $ebicsBankLetter->formatBankLetter($bankLetter, $ebicsBankLetter->createPdfBankLetterFormatter());

3. Wait for the bank validation and access activation.

4. Fetch the bank keys.

try {
    /* @var \AndrewSvirin\Ebics\EbicsClient $client */
    $client->HPB();
    /* @var \AndrewSvirin\Ebics\Services\FileKeyRingManager $keyRingManager */
    /* @var \AndrewSvirin\Ebics\Models\KeyRing $keyRing */
    $keyRingManager->saveKeyRing($keyRing, $keyRingRealPath);
} catch (EbicsResponseExceptionInterface $exception) {
    echo sprintf(
        "HPB request failed. EBICS Error code : %s\nMessage : %s\nMeaning : %s",
        $exception->getResponseCode(),
        $exception->getMessage(),
        $exception->getMeaning()
    );
}

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).
HPB	Download the Bank public signatures authentication (X002) and encryption (E002).
HPD	Download the bank server parameters.
HKD	Download customer's customer and subscriber information.
HTD	Download subscriber's customer and subscriber information.
PTK	Download transaction status.
FDL	Download the files from the bank.
FUL	Upload the files to the bank.
HAA	Download Bank available order types.
VMK	Download the interim transaction report in SWIFT format (MT942).
STA	Download the bank account statement.
C52	Download the bank account report in Camt.052 format.
C53	Download the bank account statement in Camt.053 format.
C54	Download Debit Credit Notification (DTI).
Z52	Download the bank account report in Camt.052 format (i.e Switzerland financial services).
Z53	Download the bank account statement in Camt.053 format (i.e Switzerland financial services).
Z54	Download the bank account statement in Camt.054 format (i.e available in Switzerland).
ZSR	Download Order/Payment Status report.
CCT	Upload initiation of the credit transfer per Single Euro Payments Area.
CIP	Upload initiation of the instant credit transfer per Single Euro Payments Area.
XE2	Upload initiation of the Swiss credit transfer (i.e available in Switzerland).
YCT	Upload Credit transfer CGI (SEPA & non SEPA).
CDD	Upload initiation of the direct debit transaction.
BTD	Download request files of any BTF structure.
BTU	Upload the files to the bank.
HVU	Download List the orders for which the user is authorized as a signatory.
HVZ	Download VEU overview with additional information.
HVE	Upload VEU signature for order.
HVD	Download the state of a VEU order.
HVT	Download detailed information about an order from VEU processing for which the user is authorized as a signatory.

6. Make HKD request to see what order types allowed.