The channels a company uses to exchange payment files (such as pain.001) and account statements (such as camt.053) with its bank.
- EBICS: the Electronic Banking Internet Communication Standard, the usual secure file-transfer protocol for corporate banking in Switzerland, Germany, France and Austria.
- SFTP: secure file transfer over a dedicated connection, common for larger companies.
- Host-to-host or bank API: a direct automated connection between the company's systems and the bank.
- E-banking upload: manual upload through the bank's online portal, typical for smaller businesses.
