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Bank account

  • Updated

The live import of account statements (connection to xentral and collection of statements at the push of a button) is possible for bank accounts with FinTS and HBCI4PHP as well as PayPal. Here, the statements of the last X days can be picked up. Only one user may be stored per account, otherwise double bookings will occur. Please do not create a business account more than once.

Note

It is not possible to import only some data, all available data will always be imported.

Type: Account: Bank via HBCI/FinTS (HBCI4PHP) (API) - Technical features

Legacy module

The module described in this article section has been marked as a legacy module. This means the following:

  • We don't create new features for this module or fix any bugs.

  • The module is not available anymore in Xentral instances (demo or licensed) created after 28-Sep-2022. If you as a new user have special requirements that could only be fulfilled by this module, please contact our customer support team to discuss a solution.

For more information, see also Why is Xentral deprecating some modules and what does this mean for you?

  • Import account statements via HBCI/FinTS in PSD2 standard

  • Supports all standard two-step procedures such as iTAN, smsTAN or mobileTAN or pushTAN

  • Posting date, amount, ordering party, reason for payment, posting text, IBAN and BIC are transferred

Settings

Here you can set the type to HBCI/FinTS (HBCI4PHP) and enter the bank details with owner, BIC, etc.

BankAccount1.png

You can make the following settings:

  • Name: Enter the name of your account.

  • Type: Select an account type from the drop-down menu

  • Project: Optionally enter a project

  • Active: Check the box to activate the account.

  • No email: Checking this box will not send an email to the customer when payment is received.

  • Allow changes: Check the box to allow subsequent changes to account entries.

Note

Since version 21.1, the account types FinTS and HBCI are combined in one interface in xentral. The interface supports both FinTS and HBCI.

Live Import Settings

API: You can get the PIN/TAN URL from your bank upon request. By now, most products have their own connection data(base).

BankAccount2.png
FHP_BANK_URL=>https://urlyourbankissues.de/abc/def;
FHP_BANK_IBAN=>DE1234567890123456789;
FHP_BANK_BIC=>ABCDEF123456;
FHP_ONLINE_BANKING_USERNAME=>123456789;
FHP_ONLINE_BANKING_PIN=>{PASSWORD};
API_DAYS=>10;
LOGGING=>1;

The following parameters are better understood via an example. Let's assume the last live import took place on 01.01.2022 and today is 19.01.2022.

The parameter API_DAYS specifies how long it will take until the next import takes place. It creates a period between the last import and the current time. In our example API_DAYS => 10, i.e. the next import will import the data from 10.01.22 to today (19.01.22). So the days will be added to the last import date.

API_MAX_DAYS_BEFORE specifies, which maximum number of days before the last import should be considered. If API_MAX_DAYS_BEFORE => 90, 90 days before the last import are taken into account. In this case, that would be the data from 03.10.2021 to today (19.01.22). The days are therefore subtracted from the last import date.

Important

The parameters API_DAYS and API_MAX_DAYS_BEFORE are not compatible with each other and should not be used together in one request!

With the parameter API_DAYS_WAIT current data can be ignored. If API_DAYS_WAIT => 1, then the current day is not imported. This means in our example only the data from 01.01.22 to 18.01.22 would be imported. The days specified here will be subtracted from the current day.

LOGGING outputs the transactions when collecting incoming payments if logfile (module=logfile) is activated. The detail levels 1 to 5 can be used here.

FHP_TAN_VERFAHREN contains the TAN medium used to generate the TAN. The name of the medium depends on the TAN method allowed by the bank.

Note

A list of FINTS capable banks with their URL can be found here: https://hbci4php.web-cloud-apps.com/fints_institute.xls

Info example for the bank URL:

Special case: At Postbank, a business account may have an additional profile behind the new access ID. This profile starts with the character #, followed by letters and characters. This means that the live import may work under certain circumstances.

FHP_BANK_URL=>https://hbci.postbank.de/banking/hbci.do;
FHP_BANK_IBAN=>DE123456789012345678;
FHP_BANK_BIC=>PBNKDEFF;
FHP_ONLINE_BANKING_USERNAME=> (Customer-ID)#XXX;
FHP_ONLINE_BANKING_PIN=>{PASSWORD};
API_DAYS=>7;

Note

Unfortunately, Live Import is not available for Commerzbank, HypoVereinsbank and Comdirect Bank (as of 04/2021).

Set password

Enter your password by clicking the Set Password button and entering the password. The password will be encrypted as you enter it and the field will be cleared after you save it. If you are not sure if the password is correct, enter it again. Setting the password is a separate right in the user administration.

Note

The password must contain only 1 special character, otherwise the live import will not work. In the API code, the line FHP_ONLINE_BANKING_PIN=>{PASSWORD}; must not be changed if the password vault is used.

Please check if the function HBCI + or FinTS or PIN/TAN is activated in your online banking. This function can be activated e.g. at Deutsche Bank here:

  • Services → OnlineSelf Services → Order PhoneBanking Pin and HBCI + Activation → Activate HBCI Plus Usage (is activated)

Account-specific settings

Einzelbuchungen aktivieren (Enable individual bookings): Collective debits can be created in Xentral in the Payment transactions module. In this case, several payments are combined into a single payment. If Einzelbuchungen aktivieren is checked, these payments can be broken down into single items again by Xentral. This is visible in the account statements in Xentral and facilitates the assignment of payments to orders, credit notes and invoices.

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