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authorFlorian Dold <florian.dold@gmail.com>2019-08-29 13:02:55 +0200
committerFlorian Dold <florian.dold@gmail.com>2019-08-29 13:02:55 +0200
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-.. _wireformats:
-
-Wire Transfer Methods
-=====================
-
-A wire transfer is essential for the exchange to transfer funds into a merchant's
-account upon a successful deposit (see :ref:`deposit request <deposit>`). The
-merchant has to include the necessary information for the exchange to initiate the
-wire transfer.
-
-The information required for wire transfer depends on the method of wire transfer
-used. Since the wire transfers differ for each region, we document here the
-ones currently supported by the exchange.
-
-X-TALER-BANK
-------------
-
-The "x-taler-bank" wire format is used for testing and for integration with Taler's
-simple "bank" system which in the future might be useful to setup a bank
-for a local / regional currency or accounting system. Using the @code{x-taler-bank}
-wire method in combination with the Taler's bank, it is thus possible to
-fully test the Taler system without using "real" currencies. The URL
-format for "x-taler-bank" is simple, in that it only specifies an account
-number and the URL of the bank:
-
- * payto://x-taler-bank/BANK_URI/ACCOUNT_NUMBER
-
-The account number given must be a positive 53-bit integer. As with
-any payto://-URI, additional fields may be present (after a ?), but
-are not required. The BANK_URI may include a port number. If none is
-given, @code{https} over port 443 is assumed. If a port number is
-given, @code{http} over the given port is to be used. Note that this
-means that you cannot run an x-taler-bank over @code{https} on a
-non-canonical port.
-
-Note that a particular exchange is usually only supporting one
-particular bank with the "x-taler-bank" wire format, so it is not
-possible for a merchant with an account at a different bank to use
-"x-taler-bank" to transfer funds across banks. After all, this is for
-testing and not for real banking.
-
-The "x-taler-bank" method is implemented by the @code{taler_bank} plugin.
-
-
-SEPA
-----
-
-The Single Euro Payments Area (SEPA) [#sepa]_ is a regulation for electronic
-payments. Since its adoption in 2012, all of the banks in the Eurozone and some
-banks in other countries adhere to this standard for sending and receiving
-payments. Note that the currency of the transfer will (currently) always be *EUR*. In
-case the receiving account is in a currency other than EURO, the receiving bank
-may covert the amount into that currency; currency exchange charges may be
-levied by the receiving bank.
-
-For the merchant to receive deposits through SEPA, the deposit request must
-follow the payto:// specification for SEPA:
-
- * payto://sepa/IBAN
-
-
-The implementation of the @code{ebics} plugin which is envisioned to
-support the @code{sepa} method is currently incomplete. Specifically,
-we need a working implementation of `libebics` which is a sub-project
-trying to implement the EBICS [#ebics]_ standard.
-
-.. [#sepa] SEPA - Single Euro Payments Area:
- http://www.ecb.europa.eu/paym/sepa/html/index.en.html
-.. [#ebics] EBCIS - European Banking Computer Interface Standard
- http://www.ebics.org/