Order Data Formats
Structure of payment files and bank statements transmitted via EBICS.
This document covers the structure of order data transmitted via EBICS, including payment files and bank statements.
Order Data Processing
Order data undergoes several transformations:
┌──────────────────────────────────────────────────────────────┐
│ Order Data Processing │
├──────────────────────────────────────────────────────────────┤
│ │
│ Upload (Client → Bank): │
│ ┌──────────┐ ┌──────────┐ ┌──────────┐ ┌──────────┐ │
│ │ Original │ → │ Sign │ → │ Compress │ → │ Encrypt │ │
│ │ XML │ │ (EU) │ │ (ZIP) │ │ (AES) │ │
│ └──────────┘ └──────────┘ └──────────┘ └──────────┘ │
│ │
│ Download (Bank → Client): │
│ ┌──────────┐ ┌──────────┐ ┌──────────┐ ┌──────────┐ │
│ │ Decrypt │ → │Decompress│ → │ Verify │ → │ Original │ │
│ │ (AES) │ │ (ZIP) │ │ (Sig) │ │ XML │ │
│ └──────────┘ └──────────┘ └──────────┘ └──────────┘ │
│ │
└──────────────────────────────────────────────────────────────┘
Electronic Signature (EU)
The Electronic Signature (Elektronische Unterschrift) authorizes order data:
<?xml version="1.0" encoding="UTF-8"?>
<UserSignatureData xmlns="http://www.ebics.org/S002">
<OrderSignatureData>
<SignatureVersion>A006</SignatureVersion>
<SignatureValue>
<!-- RSA-SHA256 signature of order data hash -->
</SignatureValue>
<PartnerID>PARTNER01</PartnerID>
<UserID>USER001</UserID>
</OrderSignatureData>
</UserSignatureData>
Signature Algorithms
| Version | Algorithm | Hash |
|---|---|---|
| A005 | RSA-SHA256 | SHA-256 |
| A006 | RSA-SHA256 | SHA-256 |
Payment Formats (pain.*)
Credit Transfer (pain.001)
SEPA Credit Transfer Initiation:
<?xml version="1.0" encoding="UTF-8"?>
<Document xmlns="urn:iso:std:iso:20022:tech:xsd:pain.001.001.09">
<CstmrCdtTrfInitn>
<GrpHdr>
<MsgId>MSG-2024-001</MsgId>
<CreDtTm>2024-01-15T10:30:00</CreDtTm>
<NbOfTxs>1</NbOfTxs>
<CtrlSum>1000.00</CtrlSum>
<InitgPty>
<Nm>Acme Corp</Nm>
</InitgPty>
</GrpHdr>
<PmtInf>
<PmtInfId>PMT-001</PmtInfId>
<PmtMtd>TRF</PmtMtd>
<NbOfTxs>1</NbOfTxs>
<CtrlSum>1000.00</CtrlSum>
<ReqdExctnDt>
<Dt>2024-01-16</Dt>
</ReqdExctnDt>
<Dbtr>
<Nm>Acme Corp GmbH</Nm>
</Dbtr>
<DbtrAcct>
<Id>
<IBAN>DE89370400440532013000</IBAN>
</Id>
</DbtrAcct>
<DbtrAgt>
<FinInstnId>
<BICFI>COBADEFFXXX</BICFI>
</FinInstnId>
</DbtrAgt>
<CdtTrfTxInf>
<PmtId>
<EndToEndId>E2E-001</EndToEndId>
</PmtId>
<Amt>
<InstdAmt Ccy="EUR">1000.00</InstdAmt>
</Amt>
<CdtrAgt>
<FinInstnId>
<BICFI>DEUTDEFFXXX</BICFI>
</FinInstnId>
</CdtrAgt>
<Cdtr>
<Nm>Supplier GmbH</Nm>
</Cdtr>
<CdtrAcct>
<Id>
<IBAN>DE75512108001245126199</IBAN>
</Id>
</CdtrAcct>
<RmtInf>
<Ustrd>Invoice 12345</Ustrd>
</RmtInf>
</CdtTrfTxInf>
</PmtInf>
</CstmrCdtTrfInitn>
</Document>
Direct Debit (pain.008)
SEPA Direct Debit Initiation:
<?xml version="1.0" encoding="UTF-8"?>
<Document xmlns="urn:iso:std:iso:20022:tech:xsd:pain.008.001.08">
<CstmrDrctDbtInitn>
<GrpHdr>
<MsgId>DD-2024-001</MsgId>
<CreDtTm>2024-01-15T10:30:00</CreDtTm>
<NbOfTxs>1</NbOfTxs>
<CtrlSum>500.00</CtrlSum>
<InitgPty>
<Nm>Acme Corp</Nm>
</InitgPty>
</GrpHdr>
<PmtInf>
<PmtInfId>DD-PMT-001</PmtInfId>
<PmtMtd>DD</PmtMtd>
<NbOfTxs>1</NbOfTxs>
<CtrlSum>500.00</CtrlSum>
<PmtTpInf>
<SvcLvl>
<Cd>SEPA</Cd>
</SvcLvl>
<LclInstrm>
<Cd>CORE</Cd>
</LclInstrm>
<SeqTp>RCUR</SeqTp>
</PmtTpInf>
<ReqdColltnDt>2024-01-20</ReqdColltnDt>
<Cdtr>
<Nm>Acme Corp GmbH</Nm>
</Cdtr>
<CdtrAcct>
<Id>
<IBAN>DE89370400440532013000</IBAN>
</Id>
</CdtrAcct>
<CdtrSchmeId>
<Id>
<PrvtId>
<Othr>
<Id>DE98ZZZ09999999999</Id>
<SchmeNm>
<Prtry>SEPA</Prtry>
</SchmeNm>
</Othr>
</PrvtId>
</Id>
</CdtrSchmeId>
<DrctDbtTxInf>
<PmtId>
<EndToEndId>DD-E2E-001</EndToEndId>
</PmtId>
<InstdAmt Ccy="EUR">500.00</InstdAmt>
<DrctDbtTx>
<MndtRltdInf>
<MndtId>MNDT-001</MndtId>
<DtOfSgntr>2023-01-01</DtOfSgntr>
</MndtRltdInf>
</DrctDbtTx>
<DbtrAgt>
<FinInstnId>
<BICFI>DEUTDEFFXXX</BICFI>
</FinInstnId>
</DbtrAgt>
<Dbtr>
<Nm>Customer GmbH</Nm>
</Dbtr>
<DbtrAcct>
<Id>
<IBAN>DE75512108001245126199</IBAN>
</Id>
</DbtrAcct>
</DrctDbtTxInf>
</PmtInf>
</CstmrDrctDbtInitn>
</Document>
Statement Formats (camt.*)
Account Statement (camt.053)
<?xml version="1.0" encoding="UTF-8"?>
<Document xmlns="urn:iso:std:iso:20022:tech:xsd:camt.053.001.08">
<BkToCstmrStmt>
<GrpHdr>
<MsgId>STMT-2024-001</MsgId>
<CreDtTm>2024-01-15T18:00:00</CreDtTm>
</GrpHdr>
<Stmt>
<Id>STMT-001</Id>
<ElctrncSeqNb>1</ElctrncSeqNb>
<CreDtTm>2024-01-15T18:00:00</CreDtTm>
<Acct>
<Id>
<IBAN>DE89370400440532013000</IBAN>
</Id>
<Ccy>EUR</Ccy>
<Ownr>
<Nm>Acme Corp GmbH</Nm>
</Ownr>
</Acct>
<Bal>
<Tp>
<CdOrPrtry>
<Cd>OPBD</Cd>
</CdOrPrtry>
</Tp>
<Amt Ccy="EUR">10000.00</Amt>
<CdtDbtInd>CRDT</CdtDbtInd>
<Dt>
<Dt>2024-01-15</Dt>
</Dt>
</Bal>
<Bal>
<Tp>
<CdOrPrtry>
<Cd>CLBD</Cd>
</CdOrPrtry>
</Tp>
<Amt Ccy="EUR">11500.00</Amt>
<CdtDbtInd>CRDT</CdtDbtInd>
<Dt>
<Dt>2024-01-15</Dt>
</Dt>
</Bal>
<Ntry>
<Amt Ccy="EUR">1500.00</Amt>
<CdtDbtInd>CRDT</CdtDbtInd>
<Sts>
<Cd>BOOK</Cd>
</Sts>
<BookgDt>
<Dt>2024-01-15</Dt>
</BookgDt>
<ValDt>
<Dt>2024-01-15</Dt>
</ValDt>
<BkTxCd>
<Domn>
<Cd>PMNT</Cd>
<Fmly>
<Cd>RCDT</Cd>
<SubFmlyCd>ESCT</SubFmlyCd>
</Fmly>
</Domn>
</BkTxCd>
<NtryDtls>
<TxDtls>
<Refs>
<EndToEndId>E2E-INCOMING-001</EndToEndId>
</Refs>
<RltdPties>
<Dbtr>
<Nm>Customer GmbH</Nm>
</Dbtr>
<DbtrAcct>
<Id>
<IBAN>DE75512108001245126199</IBAN>
</Id>
</DbtrAcct>
</RltdPties>
<RmtInf>
<Ustrd>Payment for Invoice 67890</Ustrd>
</RmtInf>
</TxDtls>
</NtryDtls>
</Ntry>
</Stmt>
</BkToCstmrStmt>
</Document>
Balance Types
| Code | Name | Description |
|---|---|---|
OPBD |
Opening Booked | Balance at start of period |
CLBD |
Closing Booked | Balance at end of period |
OPAV |
Opening Available | Available balance at start |
CLAV |
Closing Available | Available balance at end |
ITBD |
Interim Booked | Intraday booked balance |
ITAV |
Interim Available | Intraday available balance |
Entry Status
| Code | Description |
|---|---|
BOOK |
Booked (final) |
PDNG |
Pending |
INFO |
Information only |
HTD Response (Subscriber Info)
<?xml version="1.0" encoding="UTF-8"?>
<HTDResponseOrderData xmlns="urn:org:ebics:H005">
<PartnerInfo>
<PartnerID>PARTNER01</PartnerID>
<AccountInfo>
<AccountNumber international="true">DE89370400440532013000</AccountNumber>
<AccountHolder>Acme Corp GmbH</AccountHolder>
<AccountDescription>Main Business Account</AccountDescription>
<Currency>EUR</Currency>
</AccountInfo>
</PartnerInfo>
<UserInfo>
<UserID>USER001</UserID>
<Name>Treasury Department</Name>
<Permission>
<OrderTypes>BTD</OrderTypes>
<AuthorisationLevel>E</AuthorisationLevel>
</Permission>
<Permission>
<OrderTypes>BTU</OrderTypes>
<AuthorisationLevel>A</AuthorisationLevel>
<MaxAmount Currency="EUR">50000.00</MaxAmount>
<AccountID>DE89370400440532013000</AccountID>
</Permission>
</UserInfo>
</HTDResponseOrderData>