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 (↓ To 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 by another channel (formerly by fax)

EBICS TS
File transfer and digital signature of orders

Advantages:
Free, simple, secure, without volume limit

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

Integrated personal digital signature

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

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

V3 only allows exchanges in 4 countries in Europe.

Implementation requires a certain expertise: banking procedures, validation of services, initialization of keys, activation of services, renewal of keys, etc.

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

Tokens

➤ The SWIFT protocol (↓ To find out more)

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

Advantages:
Simple, secure, without volumetric limit

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

Personal digital signature is not mandatory but is sometimes imposed by certain banks.

Almost all banks in the world are connected to the SWIFT network and a good number allow companies to exchange via this network.

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

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

➤ Secure FTP protocol (↓ Learn more)

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

Advantages:
Simple, secure protocol (SSL), without volumetric limit

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

Disadvantages:
Even if the channel is secure, the data transits on the public network (unmonitored) and transfer times are not guaranteed.

Even if it is simple, the implementation is tedious and recurrent 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 exchanges in secure FTP .