EBICS Box

What EBICS Box does

EBICS Box is a Cologne-based on-premises middleware product, developed and operated by Railslove GmbH since 2014, that translates the EBICS (Electronic Banking Internet Communication Standard) banking protocol into a modern REST/JSON API. The product enables enterprises to send SEPA Credit Transfers, initiate SEPA Direct Debits, import bank statements (camt.053, MT940), and receive real-time webhook notifications without building in-house EBICS integrations. Its core technology is built on Ruby (using the open-source epics gem), deployed via Docker with PostgreSQL, and runs inside customer infrastructure so that bank certificates and signing keys never leave the compliance perimeter. The product supports EBICS 2.5 today, with EBICS 3.0 (H005/BTF), Verification of Payee, and Instant Payments scheduled for 2026.

The company targets enterprise customers across payment providers, marketplaces, SaaS platforms, ERP vendors (Odoo, ERPNext, Microsoft Dynamics 365, Sage, LucaNet), corporate treasury teams, property management software firms, and AI/automation builders. Revenue is generated through tiered annual software licenses (Connect €14,000/year, Operate €24,000/year, Wholesale ~€960/client/year) plus one-time setup fees (€3,000–€6,000+), 15% annual maintenance, optional managed hosting subscriptions (€500–€1,500/month), and professional services including consulting (€1,800/day), training workshops, and custom feature development. Distribution is direct and founder-led, with CEO Jan Kus personally handling discovery calls, demos, and onboarding; a wholesale/OEM channel captures multi-tenant platform customers.

EBICS Box is bootstrapped, privately held, and operates without external venture capital. The company is mid-pivot: a 2026 transformation from on-premises license model to native SaaS with self-service signup, free sandbox, and expanded multi-country bank coverage (Austria, Switzerland, France, Liechtenstein) positions it to capture demand driven by the November 2025 EBICS 2.5 end-of-life and the October 2025 EU VoP mandate.

Name

EBICS Box

Legal name

Railslove GmbH

Website

https://ebicsbox.com

Company type

Private

Founded year

2014

Operating status

Operating

Headcount range

11–50 employees

Short description

EBICS Box provides a REST/JSON API abstraction over the EBICS banking protocol, enabling enterprises such as PSPs, ERP vendors, treasuries, and marketplaces to automate SEPA payments, direct debits, and bank statement imports without in-house EBICS development.

Ownership category

akta.pro rank

Headquarters

HQ city

Cologne

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure, Others

Revenue model

1. Annual Software License: Annual subscription license model with tiered pricing. Connect tier starts at €14,000/year for read-only functionality. Operate tier starts at €24,000/year for full payment processing. Wholesale tier from ~€960/client/year for platforms and resellers. All tiers include unlimited API calls, webhooks, statement imports, and SEPA payments.
2. Setup and Onboarding Fees: One-time setup fees: €3,000 for Connect tier, €6,000+ for Operate tier. Includes personal bank onboarding, key setup, INI/HIA process handling, and guided onboarding workshop.
3. Maintenance and Support: 15% annual maintenance fee on top of license cost. Covers software updates, security patches, and proactive monitoring. Optional managed hosting available.
4. Professional Services: Consulting, custom integration, training workshops, and feature development. Workshops: €1,250 half-day remote, €2,500 full-day on-site. Extra work charged at €1,800/day (€225/h).

Pricing tiers

Go-to-market motion3 records

Distribution channels3 records

Marketing channels5 records

Core offering

EBICS Box is on-premises middleware (also transitioning to SaaS) that translates the EBICS (Electronic Banking Internet Communication Standard) banking protocol into a modern REST/JSON API. It enables enterprises to send SEPA Credit Transfers, SEPA Direct Debits, import bank statements, and receive real-time webhooks without building their own EBICS implementation. The product is sold as an annual software license with setup, maintenance, and professional services.

Product overview

EBICS Box is a product portfolio centered on a unified on-premises middleware that abstracts the complex EBICS banking protocol into a modern REST/JSON API. The core EBICS Box product serves as the central platform enabling AI agents and automations to trigger SEPA payments, query accounts, and process payouts without manual intervention. Supporting modules include the EBICS for Odoo Module (add-on for native Odoo ERP integration), three licensing tiers (Connect for read-only access, Operate for full payment capabilities, and Wholesale/OEM for platform resellers), and a suite of professional services (EBICS Consulting, Custom Integration, Training & Workshops, Managed Service, and Feature Development). An open-source Ruby gem (epics) provides the underlying EBICS protocol library. The architecture is designed for enterprise environments where bank data must remain within the customer's compliance boundary.

Differentiator

Problem solved

Functional benefit

Brands

• epics: Open-source Ruby library that powers the EBICS protocol implementation in EBICS Box. Handles INI/HIA letter generation, key management, and all EBICS order types (CCT, CDD, STA, HAC, etc.). Available on RubyGems.
• epics-cli

Products and services

• EBICS Box On-premises middleware that translates the EBICS banking protocol into a modern REST API. Enables enterprises (payment providers, ERP vendors, corporate treasuries, SaaS platforms, AI/automation pipelines) to send SEPA Credit Transfers, submit SEPA Direct Debits, and import bank statements via simple HTTP/JSON calls. Includes automatic format conversion, automatic key management, webhook events, VEU multi-signature workflow, and multi-banking support. Runs in customer infrastructure so financial data never leaves the compliance perimeter.
• EBICS for Odoo Module Native Odoo ERP integration module that connects Odoo directly to banks via the EBICS Box backend. Enables SEPA Credit Transfers, Direct Debits, and automatic bank statement import (camt.053) directly within Odoo workflows without requiring customers to handle the EBICS protocol.
• EBICS Consulting Professional consulting service covering requirements analysis, architecture consulting, make-or-buy decision support, and proof-of-concept development for enterprises evaluating EBICS vs. PSD2 APIs, order types, and integration into existing systems.
• Custom Integration End-to-end API integration service that implements webhook handler setup, database connection, testing, and go-live support. Includes ERP/CRM integrations, custom workflows, white-label solutions, and migrations from existing EBICS implementations.
• Training & Workshops Educational services covering EBICS fundamentals, EBICS Box API training, developer onboarding, and best practices. Offered as remote half-day workshops (€1,250), on-site full-day workshops (€2,500 plus travel), or individual coaching at day rate.
• Managed Service Full operational management service including regular software updates, security patches, proactive monitoring, and technical support. Support tiers range from Basic (€500/month, 48-hour response) to Enterprise (on request, 4-hour response with dedicated support).
• Feature Development Custom feature development service covering bank-specific adaptations, format extensions, and performance optimization. Examples include special report formats, additional EBICS order types, dashboard extensions, and API extensions.

Quantifiable outcome

• Development cost reduced from €50,000-200,000 to €2,500-6,000 setup
• +3 more outcomes

Named customers3 records

Segments6 records

Ideal customer profiles5 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration17 records

AI capability3 records

Feature7 records

Partnerships

Five partnerships are on record, tiered core.

• epics (Ruby gem)coreTechnology or IntegrationOpen-source Ruby library powering the EBICS protocol implementation in EBICS Box. Handles INI/HIA letter generation, key management, and all EBICS order types (CCT, CDD, STA, HAC). Available on RubyGems. Both epics-cli and EBICS Box are commercial products built on this open-source foundation.
• OdoocoreTechnology or IntegrationEBICS Box provides backend EBICS connectivity for Odoo ERP. The Odoo module is included in EBICS Box pricing. Supports SEPA Credit Transfers, direct debits, bank statement import (camt.053), and upcoming VEU, VoP, and Instant Payments.
• ERPNextcoreTechnology or IntegrationIntegration with ERPNext for SEPA payments and bank statement import. EBICS Box provides backend connectivity while ERPNext handles payment order creation.
• Microsoft Dynamics 365 Business CentralcoreTechnology or IntegrationEBICS Box integration for Microsoft Dynamics 365 BCS for SEPA payment processing, direct debits, and automated bank statement import.
• Railslove GmbHcoreStrategic or Co-development PartnerParent company and creator of EBICS Box. Cologne-based digital agency with 15+ years of FinTech and payment expertise. Developed first EBICS Box version in 2014 from a client project. Continuously develops and deploys EBICS Box at numerous companies.

Scale indicators4 records

Recent moves7 records

Expansion highlights6 records

Broad incumbents

• TrueLayer: European open-banking API provider (PSD2) used by FinTechs and marketplaces for account information and payment initiation. Competes indirectly where PSD2 connectivity substitutes for EBICS.
• Plaid: Global banking API aggregator focused on PSD2/account aggregation in Europe and ACH connectivity in the US. Competes with EBICS Box for treasury automation and marketplace payouts where PSD2-based connectivity is acceptable.
• DATEV: Germany's dominant tax/accounting software cooperative used by tens of thousands of tax advisors and SMBs. Provides its own EBICS bank connectivity inside the DATEV ecosystem, serving overlapping customers (corporate treasury, accounting teams) with embedded bank integration.
• Stripe: Global payments platform. EBICS Box compares itself directly against Stripe (and Stripe Connect) for marketplace payouts, positioning EBICS as a lower-cost, PSP-fee-free alternative for high-volume payouts.
• Tink (Visa): Visa-owned European open-banking platform providing PSD2 connectivity across multiple European markets. Overlaps with EBICS Box's treasury automation and marketplace use cases where PSD2 is sufficient.

Direct peers

• Noviat: Belgian specialist in EBICS and PSD2 connectivity for ERP/accounting platforms. Competes head-to-head with EBICS Box for ERP vendors (Odoo, Microsoft Dynamics) needing multi-bank EBICS support across DACH/BE.
• finAPI: Munich-based banking API platform offering both PSD2 (XS2A) and EBICS connectivity for German and European banks. Most direct competitor to EBICS Box in the EBICS-as-a-service category for FinTechs, marketplaces, and ERP vendors.

Emerging players

• GoCardless: Specialist in SEPA Direct Debit and recurring billing via bank-to-bank rails. EBICS Box explicitly positions against GoCardless for SaaS/subscription platforms that want to bypass PSP dependency — directly competitive on the SEPA DD use case.
• Yapily: European open-banking infrastructure provider focused on PSD2 account aggregation and payment initiation. Competes for the same FinTech/corporate customers via a different banking-rail layer.

Regional players

• Star Finanz: Bank-owned IT provider behind the Sparkassen banking portal and financial application services. Provides EBICS connectivity inside the Sparkassen ecosystem and overlaps with EBICS Box on enterprise multi-bank scenarios for German corporates.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/in/jankus
• Xx.com/ebicsbox
• Facebookfacebook.com/ebicsbox

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about EBICS Box