Banking protocols
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To communicate with your banks, the NEOFI Payment offers you the possibility of choosing from a panel of proven banking communication protocols which allow you to exchange files in different formats: XML (SEPA or international), Swift (MTxxx) or national (CFONB, AEB, DTA, etc.).

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➤ The EBICS protocol (↓ Find out more )

EBICS (Electronic Banking Internet Communication Standard) is a standardized and secure banking communication protocol available in France, Germany, Austria and Switzerland.

EBICS
File transfer with confirmation via another channel (usually by fax)

EBICS TS
File transfer and digital signature of orders

The advantages:
Free, simple, secure, without volumetric limits

Transports all international, local and SEPA formats: SCT , SDD, PSR, acmt, etc...

Integrated personal digital signature

In version 3.0, this protocol is the same in France, Germany, Austria and Switzerland

Disadvantages:
Version 2.4 does not allow exchanges with banks German speakers;

V3 only allows trading in 4 countries in Europe.

The implementation requires a certain expertise: banking procedures, validation of services, initialization of keys, activation of services, renewal of keys, etc. This is some text inside of a div block.

Comments:
The electronic signature is done using an external physical medium containing a signature token such as Swift 3SKey, Certeurope, Keynectis, ClicNTrust, etc…

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➤ The SWIFT protocol (↓ Find out more )

SWIFT (Society for Worldwide Interbank Financial Telecommunication) is a cooperative company under Belgian law owned by financial institutions, whose role is to offer its users a FIN secure messaging service and a FileAct file transfer service on its private network SWIFTNet.

The advantages:
Simple, secure, without volumetric limits

Transports all international, local and SEPA formats: SCT, SDD, PSR, acmt, etc...

The personal digital signature is not obligatory but is sometimes imposed by certain banks.

Almost all banks in the world are connected to the SWIFT network and many allow businesses to trade through this network.

Disadvantages:
Paying for membership and usage (by volume or number of files);
Implementation requires good expertise.

Comments:
Access to the SWIFT network requires payment and requires following a fairly demanding administrative procedure: in addition to registering for Swift, the company must sign a contract called SCORE (Standardised CORporate Environment) with each of its banks.

➤ The SFTP protocol (↓ To find out more )

FTPS (FTP with SSL) or SFTP (SSH FTP) are 2 secure data exchange protocols allowing direct communication between the client and the server.

The advantages:
Simple, secure protocol (SSL), without volumetric limits

Transports all international, local and SEPA formats: SCT, SDD, PSR, acmt, etc.

The disadvantages:
Even if the channel is secure, the data passes through the public network (unmonitored) and transfer times are not guaranteed.

Even if it is simple, the implementation is tedious and recurring because the connection must be made point-to-point with each bank

Comments:
This is the oldest, best-known and most proven protocol. However, some banks refuse to carry out secure FTP exchanges.


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