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EBICS, SFTP, SWIFT and APIs: Understanding the Layers

"I keep hearing EBICS, SFTP, SWIFT, API — I want to know what's actually different between them."

  1. 1
    Problem

    Separate the four layers people conflate — application, communication channel, interface style, and message standard.

    ARTICLE

    TMS, EBICS, API, ISO 20022: Four Layers, Not Four Alternatives

    ARTICLE

    Bank connectivity: what are the options?

  2. 2
    Mechanism

    See what host-to-host and SFTP actually require, beyond the acronym.

    ARTICLE

    Host to host: what it actually is, and what it actually takes

    ARTICLE

    Your TMS Supports Every Bank Channel. Through Its SFTP.

  3. 3
    Example

    Compare EBICS and SWIFT head to head — what each actually is, and when each applies.

    ARTICLE

    EBICS vs SWIFT

  4. 4
    Tool

    See what a bank API adds on top of the older channels, and where it doesn't help.

    ARTICLE

    Treasury API Guide: A Non-Technical Treasurer's Complete Manual

    ARTICLE

    Treasury API Cheat Sheet

  5. 5
    Implementation questions

    Place your own connection on this map — interface, transport, service, and message.

    TOOL

    Map Your Bank Connection

    Fill in your systems, flows, channel, format, and who owns each piece — get a diagram of your own connection.