# EBICS Box

> EBICS Box is the Banking API for the AI Age. An on-premises middleware by Railslove GmbH that translates the complex EBICS protocol into a modern REST API – enabling AI agents and automated workflows to trigger payments, direct debits, and account queries via simple HTTP/JSON calls.

## Key Facts
- Product: EBICS Box – The Banking API for the AI Age
- Company: Railslove GmbH, Cologne, Germany
- Website: https://ebicsbox.com
- In production since: 2014
- Deployment: On-premises (Docker), runs in customer infrastructure
- Compliance: GDPR/DSGVO compliant, no financial data leaves customer network
- Supported banks: All EBICS-enabled banks in Germany, Austria, Switzerland, France, and Benelux
- API: REST + JSON, Bearer Token authentication
- Protocol: EBICS 3.0 / BTF
- Supported formats: pain.001, pain.008, CAMT.052, CAMT.053, MT940
- Languages: Available in German, English, French, Dutch, Polish, and Italian

## AI-Era Banking Automation
- AI agents can trigger payments, direct debits, and account queries autonomously
- Fully automated payment pipelines: from AI decision to executed transaction in milliseconds
- Bank-grade EBICS protocol made consumable for AI-driven automation
- No manual approval or media breaks required
- Stable infrastructure for intelligent processes

## Core Features
- SEPA Credit Transfers (single & batch via pain.001)
- SEPA Direct Debits (COR1 & CORE via pain.008)
- Bulk Payments (one file = one transaction, ideal for high-volume use cases)
- Bank Statement Import (daily auto-import via CAMT.053)
- Real-time Webhooks (transaction.created, credit_transfer.executed, direct_debit.returned, statement.imported)
- Multi-Banking (multiple bank connections via one API)
- Instant Payments support
- Verification of Payee (VoP) support
- On-Premises deployment (enterprise-grade security)

## Pricing (as of March 2026)
EBICS Box offers transparent, volume-based pricing. A monthly base fee covers infrastructure, updates, and support. Volume components (transaction count or payment volume) only apply above included limits — and only the higher of the two is charged, never both.

- **Starter**: €500 setup (one-time) + €99/month. Includes 1 bank connection, 500 transactions/month. Ideal for first integrations and PoCs.
- **Business**: €900 setup (one-time) + €299/month. Includes up to 3 bank connections, 3,000 transactions & €1M volume/month. For production systems, e-commerce, and property management. Priority support (12h response).
- **Enterprise**: €1,500 setup (one-time) + from €1,750/month. Includes up to 10 bank connections, 20,000 transactions & €5M volume/month. For marketplaces, fintechs, and high-volume use cases. SLA 99.9% uptime, dedicated support (4h response). White-label/OEM option available.

Additional bank connections: Starter +€300, Business +€500, Enterprise +€800 (one-time).
Volume discounts: 12 months prepaid = 10% off, 24 months = 20% off.
All prices excl. VAT.

## What is a Transaction?
A transaction is one submitted order file (e.g., a pain.001 or pain.008 file). A batch file containing 500 individual payments counts as 1 transaction, not 500. This makes EBICS bulk use cases particularly cost-effective.

## Target Audience
- AI-powered FinTech platforms needing autonomous bank integration
- ERP & Accounting software with AI-driven payment automation
- E-commerce platforms requiring automated SEPA payouts
- Marketplaces with multi-seller disbursements
- Property management companies automating rent collection
- Treasury departments seeking AI-augmented cash management
- Any business connecting AI workflows to banking infrastructure

## Use Cases
- **E-Commerce**: Automated refunds, supplier payments, and reconciliation
- **Property Management**: Rent collection via direct debit, automated dunning
- **Marketplaces / FinTech**: High-volume payouts, multi-bank routing, instant payments
- **ERP Integration**: Seamless payment automation from accounting software
- **Treasury**: Cash position monitoring, automated liquidity management

## Integration
- Integration time: Hours, not months
- No banking knowledge required
- Comprehensive API documentation available at https://ebicsbox.com/docs
- Webhook-based event system (no polling)
- Perfect for AI agent frameworks and automated decision pipelines
- Supported in DE, AT, CH, FR banks

## Early Adopter Program
Currently offering personalized onboarding (no self-service yet):
- Personal bank onboarding by the EBICS Box team
- Key setup + INI/HIA process fully handled
- Go-live in 1–3 business days
- Free sandbox access at launch
- Next bank connection onboarded for free
- Early adopter pricing locked in at contract renewal

## Services
- EBICS Integration Consulting
- Custom API Integration & Development
- Bank Onboarding & Key Management
- Ongoing Monitoring & Support

## Contact
- Email: team@ebicsbox.com
- Phone: +49-221-99999701
- Address: An der Bottmühle 5, 50678 Köln, Germany
- Schedule a call: https://ebicsbox.com/en/schedule
- Documentation: https://ebicsbox.com/docs

## Pages
- [Home (EN)](/en): Product overview – Banking API for the AI Age.
- [Product](/en/product): Feature deep-dive, architecture, supported formats.
- [Pricing](/en/pricing): Plans, included volume, overage rules.
- [Use Cases](/en/use-cases): E-commerce, property management, marketplaces, ERP, treasury.
- [EBICS Explained](/en/ebics): What EBICS is and why it matters.
- [EBICS API](/en/ebics-api): REST/JSON API surface for EBICS.
- [EBICS vs HBCI](/en/ebics-vs-hbci): Protocol comparison and migration guidance.
- [Odoo Integration](/en/odoo-ebics): Connect Odoo to EBICS via EBICS Box.
- [Roadmap](/en/roadmap): Public product roadmap through 2027.
- [Services](/en/services): Consulting, onboarding, custom integration.
- [Schedule a call](/en/schedule): Book a demo with the founder team.
- [Contact](/en/contact): Reach the team.
- [Documentation](/en/docs): Full developer documentation index.
- [Quick Start](/en/docs/getting-started/quick-start): Get up and running fast.
- [Authentication](/en/docs/api-reference/authentication): Bearer-token auth reference.
- [Imprint](/en/imprint): Legal entity information.
- [Privacy](/en/privacy): GDPR / DSGVO data protection notice.

## Optional
- [German homepage](/de): Deutsche Startseite.
- [French homepage](/fr): Page d'accueil française.
- [Dutch homepage](/nl): Nederlandse homepage.
- [Polish homepage](/pl): Polska strona główna.
- [Italian homepage](/it): Homepage italiana.