Integrate eps-Überweisung and allow merchants to offer secure online payments through Austrian banks. Learn more.

Payment Method Properties


Markets	`AT`
Processing currencies	`EUR`
Consumer currencies	`EUR`
Settlement currencies	`EUR`
Authentication methods	`REDIRECT`
Authentication timeout	1 hour
Minimum payment amount	1.00 EUR
Maximum payment amount	No limit
Recurring payments	Yes (through SEPA Direct Debit)
Separate captures	No
Refund	Full - Partial - Multiple
Refund validity	365 days
Chargeback	No
Sandbox availability	PPRO simulated

Make an EPS Payment

One-time EPS payments follow our standardized REDIRECT payment flow. However, we recommend including all relevant settings for any authentication methods you support.

To create an EPS payment, you'll need to provide the following data at minimum when calling our /v1/payment-charges API:

Data Field	Required	Description
paymentMethod	Y	`EPS`
amount.value	Y	The amount to be paid in the smallest units of the currency used.
amount.currency	Y	`EUR`
consumer.name	Y	Full name of the consumer.
consumer.country	Y	The country where the consumer is shopping.
authenticationSettings: REDIRECT settings.returnUrl	Y	Specify the URL that the consumer should be redirected back to after completing the payment.

Request

POST /v1/payment-charges

{
  "paymentMethod": "EPS",
  "amount": {
    "value": 1000,
    "currency": "EUR"
  },
  "consumer": {
    "name": "John Smith",
    "country": "AT"
  },
  "authenticationSettings": [
    {
      "type": "REDIRECT",
      "settings": {
        "returnUrl": "https://www.your-return-page.com/"
      }
    }
  ]
}

Response

You'll receive one of our standard payment charge responses (see potential responses in the API Reference)

{
  "id": "charge_X0O78tadFHrZCbGhkycPk",
  "status": "AUTHENTICATION_PENDING",
  
  // ...
  
  "authenticationMethods": [
    {
      "type": "REDIRECT",
      "details": {
        "requestUrl": "https://redirection-target.com",
        "requestMethod": "GET"
      }
    }
  ]
}

Consumer Authentication

EPS requires authentication by the consumer, which they do via their bank's online environment. You will need to redirect their browser to EPS's payment page using the link provided in the requestUrl field of the REDIRECT authentication method response. On EPS's payment page to choose their bank

The payment charge will remain in the AUTHENTICATION_PENDING state until the consumer logs into their bank and approves the payment. After this, the charge will transition to the CAPTURED state.

Handling the Payment Result

The consumer will be redirected to the authenticationMethods.settings.returnUrl provided in the initial payment charge creation request, depending on whether the authorization is a success, a failure, or if the user cancelled/aborted the flow.

If the consumer fails to authenticate the payment within the timeout window, the charge will transition to the DISCARDED state.

You can receive webhooks for all changes to the payment charge state and use these to build business logic such as delivering the goods when the charge is CAPTURED.

Supported banks

Integrating eps-Überweisung will allow merchants to offer secure online payments via the following Austrian banks:

Bank Name

Austrian Anadi Bank AG
bank99 AG
Bank Austria
Bankhaus Carl Spängler & Co.AG
Bankhaus Schelhammer & Schattera AG
BAWAG P.S.K. AG
BKS Bank AG
BTV VIER LÄNDER BANK
Capital Bank Grawe Gruppe AG
Dolomitenbank
easybank
Erste Bank und Sparkassen
Hypo NOE LB für Niederösterreich u. Wien
Hypo Oberösterreich, Salzburg, Steiermark
Hypo BANK BURGENLAND Aktiengesellschaft
Hypo Alpe-Adria-Bank International AG
Hypo Tirol Bank AG
Hypo Vorarlberg Bank AG
Marchfelder Bank
Oberbank AG
Österreichische Ärzte- und Apothekerbank
Raiffeisen Bankengruppe Österreich
Schoellerbank AG
Sparda Bank Wien
Volksbanken
Volkskreditbank AG