What is EBICS?
EBICS is short for "Electronic Banking Internet Communication Standard", a standard for the transmission of payment files in Electronic Banking that has been recognized in Germany since 2008.
This multi-bank compatible standard offers numerous advantages in contrast to the previous BCS-FTAM standard, e.g., utilisation of modern technologies and international standards and, in addition to Germany, is successively introduced in other European countries, such as France.
The most important EBICS advantages at a glance
- Uniform standard
With EBICS you can reach all banks in Germany and soon across Europe..
- Modern technology and international standards
Use of the Internet for communication, as well as international standards such as XML, https, TLS, ZIP.
- Transport means for numerous business processes
Credit transfers, direct debit, bank statements, security orders and many more can be transferred.
- Multi-level signature concept
Significantly increased flexibility based on alternatives for approval processes: Payment requests can be sent to the bank already completely signed, or they can be approved with a delay and regardless of location using the distributed electronic signature (VEU) (also see tab VEU).
- Internet as transport channel
Cost benefit in contrast to old FTAM procedure, that incurred additional telecommunication costs for the required ISDN main connection.
- Highest security standard
Communication with banks is encrypted (on transport level and end-to-end).
- High degree of freedom for definition payment processes
You can freely define the processes for your payment management, e.g., create and authorise payment requests with a delay and across all sites or access current account information regardless of location.
Our Electronic Banking/Cash Management solution EBsec® is based on the EBICS standard and allows you to fully utilise its many advantages. We would be happy to make an appointment to introduce our solution.
Weitere Informationen, die Spezifikation sowie aktuelle FAQs finden Sie auf der offiziellen Website www.ebics.de