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.
Wichtigste Vorteile
- Real-time bank transfer processing
- Very popular in Austria
- Allows partial/multiple/full refunds
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: 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 |
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. |
Ausführliche Informationen über dieses Objekt und seine Eigenschaften finden Sie in unserer HostedCheckoutAPI/ CreatePaymentAPI
Process flows
- Your customers finalise an order in your shop and select EPS.
- You send this CreateHostedCheckout/CreatePayment request to our platform.
- 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.
- We receive the transaction result.
- We redirect your customer to your returnUrl.
- You request the transaction result from our platform via GetPaymentDetails/GetHostedCheckout or receive the result via webhooks.
- If the transaction was successful, you can deliver the goods / service.
Testing
In unseren Test cases finden Sie Testdaten und detaillierte Instruktionen.
Stellen Sie sicher, den korrekten Endpunkt anzusteuern und zurück zum Live-Endpunkt zu wechseln, sobald Sie Ihre Tests abgeschlossen haben