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EPS

Intro

EPS (Electronic Payment Standard) is an Austrian online banking payment method.

Officially supported by the Austrian government, your customers benefit from a dense network of participating banks and online merchants. The combination of a straightforward payment flow, easy integration and real-time bank transfer processing make EPS the most popular payment method for bank transfers in Austria.

You redirect your customers to their online bank where they log in to their online bank account. They authenticate the bank transfer for which you receive an immediate result.

The integration is very easy, as you only need to send some additional parameters along your request.

Overview

Payment group:
Payment product id:
5406
Key benefits
  • Real-time bank transfer processing
  • Very popular in Austria
  • Allows partial/multiple/full refunds

Countries & currencies

Supported countries

Supported currencies

  • Euro (EUR)

Integration

We offer this payment methods for the following integration modes. Learn in our dedicated guides about their individual differences:

Find a high level overview in the "Process flows" chapter.

Optionally, you can include your customers' bank account data in your request. Depending on your choice, differences apply:

Hosted Checkout Page/Server-to-server without bank account data

This mode requires your customers to manually select their bank on the EPS login page.

Add the following properties to a standard CreateHostedCheckout/CreatePayment request:

{
   "order":{
      "amountOfMoney":{
         "amount":100,
         "currencyCode":"EUR"
      }
   },
   "redirectPaymentMethodSpecificInput":{
      "paymentProductId":5406,
      "redirectionData":{
         "returnUrl":"https://yourRedirectionUrl.com"
      }
   }
}

Hosted Checkout Page/Server-to-server with bank account data

Prefill the EPS login page with your customers’ bank account data, streamlining the payment experience.

Add the following properties to a standard CreateHostedCheckout/CreatePayment request:

{
   "order":{
      "amountOfMoney":{
         "amount":100,
         "currencyCode":"EUR"
      }
   },
   "redirectPaymentMethodSpecificInput":{
      "paymentProduct5406SpecificInput":{
         "customerBankAccount":{
            "accountHolderName":"Account holder",
            "bic":"STZZATWWXXX",
            "iban":"AT938900000001100412"
         }
      },
      "paymentProductId":5406,
      "redirectionData":{
         "returnUrl":"https://yourRedirectionUrl.com"
      }
   }
}
Properties Remarks

order.amountOfMoney
     amount
     currencyCode

amount: The gross amount you want to charge for this order.
currencyCode: The ISO 4217 currency code for this amount.
redirectPaymentMethodSpecificInput.paymentProduct5406SpecificInput
     customerBankAccount
          accountHolderName
          bic
          iban

paymentProductId

redirectionData.returnUrl

customerBankAccount: Your customers' bank account data.

Mind that including your customers' bank data in your request might have an impact on your PCI profile.

paymentProductId: The numeric identifier of the payment method on our platform. Find this id in the "Overview" chapter. For payments requested via CreateHostedCheckout, it instructs our platform to send your customers directly to the EPS portal. If left out, our platform sends your customers to the Hosted Checkout Page instead, allowing them to choose this or any other payment method in your account.

returnUrl: The URL we redirect your customers to after the payment has been finalised.

Find detailed information about this object and its properties in our CreateHostedCheckoutAPI/CreatePaymentAPI.

Process flows

  1. Your customers finalise an order in your shop and select EPS.
  2. You send this CreateHostedCheckout/CreatePayment request to our platform.
  3. You redirect your customers via the redirectUrl (for CreateHostedCheckout requests) or the merchantAction.redirectionData.redirectUrl (for CreatePayment requests) to the EPS portal. They select their bank and login to their online banking account. They confirm the order with a TAN or transaction authentication number.
  4. We receive the transaction result.
  5. We redirect your customer to your returnUrl.
  6. You request the transaction result from our platform via GetPaymentDetails/GetHostedCheckout or receive the result via webhooks.
  7. If the transaction was successful, you can deliver the goods / service.
Customer Our platform Not real-time Real-time EPS Merchant Finalises order 1 Sends CreateHostedCheckout/
CreatPayment
request 2 Is redirected to EPS & confirms payment 3 Processes transaction &
receives transaction result 4 Requests/Receives 
transaction result 6 Delivers goods/services 7 Redirects customer 5

Testing

Refer to our Test cases for test data and detailed instructions.

Make sure to use the right endpoint and switch back to the live URL as soon as you have finished your tests.

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