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Connectivity

Host-to-Host (SFTP/FTP)

Cobase enables host-to-host (H2H) - Host-to-Host (SFTP/FTP)connections for corporates this approach provides secure, scheduled file exchange for payments and statements — reducing manual work and eliminating the need to access multiple bank portals. Cobase manages all bank integrations, formats, and protocols, providing a single point of control for your H2H infrastructure.

In addition to Host-to-Host (SFTP/FTP), Cobase also supports SWIFT, EBICS, and APIs, allowing you to tailor your bank connectivity setup to your business and your banks’ capabilities.

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Host-to-Host

Multi-bank connectivity made simple

Fragmented banking setups across systems, regions, and entities cause manual work, token overload, and inconsistent audit trails. Cobase centralizes all bank connectivity in one secure platform, eliminating the need for separate integrations and portals.

With one connection from your ERP to Cobase, you gain access to a wide range of banks. Cobase handles the complexity—authentication, formatting, and communication—behind the scenes.

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Direct file exchange with banks

Cobase establishes direct, encrypted connections to your banks using secure H2H protocols (e.g. SFTP, FTPS, AS2). Files such as payment instructions, bank statements, and reports are transmitted automatically.

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Multi-format support

Cobase handles a wide range of file formats, including ISO 20022 (e.g. pain.001, camt.053, camt.052), MT formats, and local bank-specific standards. Cobase manages all mappings and conversions.

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Centralized monitoring and control

All flows — inbound and outbound — are tracked within the Cobase platform, providing full transparency and audit logs.

Complexity
End-to-end support

Cobase manages the full setup: onboarding, format validation, testing, encryption, and ongoing maintenance. No in-house bank-specific development is needed.

Key features

Direct, secure connections to banks via SFTP, FTPS, or AS2
End-to-end automation of payment and reporting flows
Full support for ISO 20022 (pain.001, camt.053, camt.052) and MT formats
Format conversion and validation handled by Cobase
Monitoring dashboard with file status, alerts, and logs
Seamless integration with ERP and Cobase Payment Module
Optional fallback to SWIFT, EBICS or API depending per bank/region
Managed setup and ongoing support — no IT burden

Frequently asked questions

What is host-to-host connectivity?

A direct, automated link between your systems and your banks to exchange files such as payments, statements, and status updates.

What file types and formats are supported?

Cobase supports ISO 20022 formats (pain.001, camt.053, camt.052), MT messages, and various country-specific standards.

How does this integrate with our ERP?

Cobase can pull and push files from your ERP using SFTP or other supported protocols, eliminating manual uploads and downloads.

Who sets up and maintains the bank connections?

Cobase handles the full onboarding, testing, encryption, and maintenance process — including ongoing format changes.

Can I combine this with other protocols?

Yes. Cobase supports SWIFT, EBICS, API, and H2H simultaneously — allowing you to choose the most effective setup per bank or region.

Interested?

Manage all your bank accounts centrally with Cobase

Simplify your cash management and save valuable time. One platform, complete control over all your financial flows.
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