Your payment flows, managed directly from your software

An EBICS server is a solution that complies with the European banking standard and that companies use to exchange secure banking files automatically with their banks. It receives and processes requests (transfers, direct debits, statements) coming from companies' information systems, with no need to use bank portals manually.

If your company sends hundreds or thousands of payments a month, EBICS TS lets you automate them from your software, with electronically signed orders. It also suits companies with several banks: a single software tool can connect to each of their EBICS-compatible banks. And unlike Open Banking connections, EBICS does not require frequent reconnection once configured.

EBICS began as a Franco-German initiative. The German banking community, led by the Deutsche Kreditwirtschaft (DK), developed the protocol in 2006, and France adopted it from 2008 at the instigation of the CFONB. Since 2010, the protocol has been managed by EBICS SC (EBICS Company), a body founded jointly by the CFONB and its German counterpart. Switzerland joined EBICS SC in 2015, followed by Austria in 2020.

Several banks use third-party software to deploy an EBICS server. This speeds up implementation but creates a dependence on the software vendor.

We built our own EBICS server to keep full control of our banking infrastructure. It spares us dependence on a software vendor, lets us fix any incident quickly without waiting for an external provider, and lets us evolve our server in line with your needs and regulatory changes.

Yes. This is one of the great advantages of EBICS: it acts as a universal language. Your current ERP or treasury software can open simultaneous connections to Memo Bank's EBICS server and to those of your other banks (each has its own server). Your software then retrieves all this data and gives you a unified view of your cash.

EBICS T transports files securely to the bank, but orders then have to be confirmed with a separate signature. EBICS TS adds an electronic signature at source, which validates payment and collection orders as soon as they are sent. Memo Bank offers EBICS TS across all its subscriptions.

You can send transfers (SEPA, SEPA Instant, RTGS/T2 and Swift, in pain.001 format) and SEPA direct debit collections (pain.008 format), and automatically retrieve your account statements (CFONB 120, camt.053), unpaid direct debit notifications (camt.054) and order statuses (pain.002) directly in your software. The detailed list of supported formats is available in our help centre.

Nearly 30 software tools are EBICS-compatible with Memo Bank, including Sage, Cegid, Kyriba, Odoo, Regate, CPI Software, Mata IO, Netcash, Iziago and Fizen. See the list of our integrations.

Memo Bank offers both connection modes. EBICS suits you if your ERP or accounting software already supports the protocol: you keep sending your transfer and direct debit files and retrieving your statements, including in high volumes, without changing your architecture. The Premium API suits a tailor-made integration with your own information system: you monitor your payment flows and trigger your payments in real time, and you automate entire processes to scale up. EBICS and the Premium API can be used together.

These are cryptographic security standards widely used in banking. RSA (an asymmetric key system) handles authentication: it works like a digital seal that proves your software's identity to our server. AES (symmetric encryption) handles confidentiality: it scrambles the content of your payment files while they travel over the internet. Together, they protect your files against being read or altered by a third party.

We support certificates from the vast majority of the certification authorities approved in France: CertEurope eID User, CDC-LEGALIA, InfoCert Qualified Electronic Signature CA 3, InfoCert Qualified Electronic Signature CA 4, EIDUCIO, PROBATIO, AUDACIO, Certigna ID PRIS, Business Certificate Swift Secure Signature Key (3SKey), etc.