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
andrew-svirin/ebics-client-php is licensed under the MIT License, see the LICENSE file for details
$ 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
You will need to have this information from your Bank:
- HostID
- HostURL
- PartnerID
- UserID
<?php
use AndrewSvirin\Ebics\Services\KeyRingManager;
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.
$keyRingManager = new KeyRingManager($keyRingRealPath, __PASSWORD__);
$keyRing = $keyRingManager->loadKeyRing();
$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);
<?php
use AndrewSvirin\Ebics\Contracts\EbicsResponseExceptionInterface;
try {
/* @var \AndrewSvirin\Ebics\EbicsClient $client */
$client->INI();
/* @var \AndrewSvirin\Ebics\Services\KeyRingManager $keyRingManager */
/* @var \AndrewSvirin\Ebics\Models\KeyRing $keyRing */
$keyRingManager->saveKeyRing($keyRing);
} 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);
} 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);
} catch (EbicsResponseExceptionInterface $exception) {
echo sprintf(
"HPB request failed. EBICS Error code : %s\nMessage : %s\nMeaning : %s",
$exception->getResponseCode(),
$exception->getMessage(),
$exception->getMeaning()
);
}
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);
<?php
use AndrewSvirin\Ebics\Exceptions\NoDownloadDataAvailableException;
use AndrewSvirin\Ebics\Contracts\EbicsResponseExceptionInterface;
try {
/* @var \AndrewSvirin\Ebics\EbicsClient $client */
//Fetch datas from your bank
$response = $client->FDL('camt.xxx.cfonb120.stm');
foreach($response->getTransactions() as $transaction) {
//Plain format (like CFONB)
$content = $transaction->getPlainOrderData();
//XML format (Like MT942)
$xmlContent = $transaction->getOrderData();
//Do your work with the transactions content
//...
}
//Once your work finished, tell your Bank that those files are received.
//By doing this, you will not be able to download this documents anymore
$client->transferReceipt($response);
} 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
<?php
use AndrewSvirin\Ebics\Contracts\EbicsResponseExceptionInterface;
/* @var \AndrewSvirin\Ebics\EbicsClient $client */
// For French bank.
$client->setX509Generator(new MyCompanyX509Generator);
try {
$client->INI();
/* @var \AndrewSvirin\Ebics\Services\KeyRingManager $keyRingManager */
/* @var \AndrewSvirin\Ebics\Models\KeyRing $keyRing */
$keyRingManager->saveKeyRing($keyRing);
} 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);
} catch (EbicsResponseExceptionInterface $exception) {
echo sprintf(
"HIA request failed. EBICS Error code : %s\nMessage : %s\nMeaning : %s",
$exception->getResponseCode(),
$exception->getMessage(),
$exception->getMeaning()
);
}
/* @var \AndrewSvirin\Ebics\EbicsClient $client */
$ebicsBankLetter = new \AndrewSvirin\Ebics\EbicsBankLetter();
$bankLetter = $ebicsBankLetter->prepareBankLetter(
$client->getBank(),
$client->getUser(),
$client->getKeyRing()
);
$txt = $ebicsBankLetter->formatBankLetter($bankLetter, $ebicsBankLetter->createPdfBankLetterFormatter());
try {
/* @var \AndrewSvirin\Ebics\EbicsClient $client */
$client->HPB();
/* @var \AndrewSvirin\Ebics\Services\KeyRingManager $keyRingManager */
/* @var \AndrewSvirin\Ebics\Models\KeyRing $keyRing */
$keyRingManager->saveKeyRing($keyRing);
} catch (EbicsResponseExceptionInterface $exception) {
echo sprintf(
"HPB request failed. EBICS Error code : %s\nMessage : %s\nMeaning : %s",
$exception->getResponseCode(),
$exception->getMessage(),
$exception->getMeaning()
);
}
Transaction | Description |
---|---|
HEV | Supported protocol version 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 | Retrieve the Bank public signatures authentication (X002) and encryption (E002). |
HPD | Retrieve the bank server parameters. |
HKD | Retrieve customer's customer and subscriber information. |
HTD | Retrieve subscriber's customer and subscriber information. |
PTK | Downloads transaction status. |
FDL | Retrieve subscriber's customer and subscriber information. |
HAA | Downloads the interim transaction report in SWIFT format (MT942). |
VMK | Downloads the interim transaction report in SWIFT format (MT942). |
STA | Retrieve the bank account statement. |
C52 | Retrieve the bank account report in Camt.052 format. |
C53 | Retrieve the bank account statement in Camt.053 format. |
Z53 | Another way to retrieve the bank account statement in Camt.053 format (i.e Switzerland financial services). |
Z54 | Retrieve a bank account statement in Camt.054 format (i.e available in Switzerland). |
CCT | Initiate the credit transfer per Single Euro Payments Area. |
CIP | Initiate the instant credit transfer per Single Euro Payments Area. |
XE2 | Initiate the Swiss credit transfer (i.e available in Switzerland). |
CDD | Initiate a direct debit transaction. |
BTD | Download request (FETCH request). |
Some responses are sent as zipped list of files and therefore require unzipping them first to access the XML files
content. In this example, we use PHP's ZipArchive which requires ext-zip
extension to unzip a camt.054 response.
$zip = new \ZipArchive();
/* @var \AndrewSvirin\Ebics\EbicsClient $client */
$z54 = $client->Z54();
// ... write $z54 content into a file (zip)
$inputPath = 'zip-file-path';
$outputDir = 'your-output-directory';
$zip->extractTo($outputDir, $inputPath);
You'll find one or many XML files in your output directory.
- Wise.com https://wise.com/send/#/enterpayment?recipient=189936743
- Bitcoin: bc1qhahtnhcrpg8u93pndjglaeuy0nc0tjau9rnst5
ππ Contact Andrew Svirin https://www.linkedin.com/in/andriy-svirin-0138a177/