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Connector Guide: CommBiz Host-to-Host

How to configure the CommBiz Automated File Delivery (AFD) service for secure, unattended ABA and ISO 20022 transmission via SFTP.

The Connectivity Model

Demiton connects to Commonwealth Bank (CommBiz) using the Automated File Delivery (AFD) service. This is a secure, Host-to-Host SFTP tunnel that bypasses the web browser entirely.

Unlike standard web uploads, this connection requires two layers of cryptography:

  1. Transport Layer: SFTP (SSH) for the tunnel.
  2. Payload Layer: PGP Encryption for the file itself (optional but recommended for Payroll).

Phase 1: Service Activation

You must request "Host-to-Host SFTP Access" from your CommBiz Relationship Manager.

  1. Contact your CBA Relationship Manager.
  2. Request the CommBiz Automated File Delivery (AFD) application form.
  3. Important: Specify that you require "Inbound and Outbound" access (to receive ACK files).
  4. When asked for technical contact details, provide your Demiton Solution Architect.

Phase 2: Key Generation & Exchange

CommBiz requires a Public Key Exchange to authenticate the connection. You do not generate these keys manually; Demiton generates them in our Hardware Security Module (HSM).

  1. Log in to Demiton.
  2. Navigate to Settings > Security > Key Management.
  3. Locate the Production SSH Keypair.
  4. Click Download Public Key (.pub format).
  5. Action: Email this .pub file to the CommBiz Onboarding Team attached to your application case.

Note: If you require PGP encryption for payload contents, download the PGP Public Key as well.

Phase 3: IP Allow-listing

CommBiz's firewall will block all traffic by default. You must provide them with the Demiton Static Egress IPs.

Provide the following IPs to the CommBiz Onboarding Team:

  • Primary: 34.129.x.x (Refer to your Demiton Dashboard for the exact IP)
  • Failover: 34.129.y.y

Phase 4: Configure the Universal Adapter

Once CommBiz confirms the account is active, they will provide you with a Service ID and Home Directory.

  1. Log in to Demiton.
  2. Go to Connectors > Add Connector.
  3. Select CommBiz (CBA).
  4. Host: sftp.commbiz.commbank.com.au (Pre-filled).
  5. Username: Enter your Service ID (e.g., Srv_123456).
  6. Authentication: Select Stored Private Key (Demiton will use the key from Phase 2).
  7. Path: Enter your assigned home directory (e.g., /home/Srv_123456/inbox).
  8. Click Test Connection.

Demiton will attempt to list the directory contents. If successful, the TEST verb returns TRUE.