README

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
{
    protected function getCertificateOptions() : 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!

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