The main bank transfer payment method in Austria is eps-Überweisung, (translated as Electronic Payment Standard transfer) developed jointly by Austrian banks and the government, enabling consumers to pay securely for online purchases using their own trusted online bank. Learn more about eps.

Payment method properties


Markets (consumer)	`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
Payment instrument	`BANK_ACCOUNT`
Recurring payments	Yes
Separate captures	No
Refund	Full - Partial - Multiple
Refund validity	6 months
Disputes	No
Sandbox availability	PPRO Simulated

Make an eps Payment

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 our payment charges API:

Data Field	Description
paymentMethod	`EPS`
amount.value	The amount to be paid in the smallest units of the currency used.
amount.currency	`EUR`
consumer.country	The country where the consumer is shopping.
authenticationSettings: REDIRECT settings.returnUrl	Add the URL where the consumer should be redirected after they complete the payment. Required for the `REDIRECT` flow.

Request

POST /v1/payment-charges

{
  "paymentMethod": "EPS",
  "amount": {
    "value": 1000,
    "currency": "EUR"
  },
  "consumer": {
    "country": "AT"
  },
  "authenticationSettings": [
    {
      "type": "REDIRECT",
      "settings": {
        "returnUrl": "https://www.webshop.com/order-results-page"
      }
    }
  ]
}

Response

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

{
  "id": "charge_Y3JVzvEaJpvG53xd2R2Zt",
  "paymentMethod": "EPS",
  "paymentMedium": "ECOMMERCE",
  "scheduleType": "UNSCHEDULED",
  "instrumentId": "instr_Asu0ig2PXXZSiNrhY44A5",
  "currency": "EUR",
  "country": "AT",
  "status": "AUTHENTICATION_PENDING",
  "consumer": {
    "country": "AT"
  },
  "authenticationMethods": [
    {
      "details": {
        "requestUrl": "https://redirection-target.ppro.com",
        "requestMethod": "GET"
      },
      "type": "REDIRECT"
    }
  ],
  "authorizations": [
    {
      "id": "authz_aPobet0FNZNU1bYqfexFd",
      "amount": 1000,
      "status": "AUTHENTICATION_PENDING",
      "createdAt": "2025-06-21T08:34:20.766Z",
      "updatedAt": "2025-06-21T08:34:20.766Z"
    }
  ],
  "captures": [],
  "refunds": [],
  "voids": [],
  "createdAt": "2025-06-21T08:34:20.114Z",
  "updatedAt": "2025-06-21T08:34:20.766Z",
  "_links": {
    "authorizations": {
      "href": "/v1/payment-charges/charge_Y3JVzvEaJpvG53xd2R2Zt/authorizations"
    },
    "captures": {
      "href": "/v1/payment-charges/charge_Y3JVzvEaJpvG53xd2R2Zt/captures"
    },
    "refunds": {
      "href": "/v1/payment-charges/charge_Y3JVzvEaJpvG53xd2R2Zt/refunds"
    },
    "voids": {
      "href": "/v1/payment-charges/charge_Y3JVzvEaJpvG53xd2R2Zt/voids"
    }
  }
}

Pick the desired authentication method

REDIRECT

Redirect your consumer to the returned $.authenticationMethods[?(@.type == "REDIRECT")].details.requestUrl.
For example, with the value of https://redirection-target.ppro.com/ using the returned $.authenticationMethods[?(@.type == "REDIRECT")].details.requestMethod HTTP method.
The consumer will be presented with the reference number and instructions to complete the payment.

Handling the payment result

REDIRECT

After the consumer completes the payment, they are redirected to the returnUrl specified in the payment charge creation request.
Upon redirect back to your site, retrieve the latest payment status by performing a GET /v1/payment-charges/{paymentChargeId}. Use the returned status field to determine and display the final payment outcome to the consumer.
Additionally, webhooks are triggered to notify you of the payment result. This ensures you receive the outcome even if the consumer closes their browser or fails to return to your website.

Payment instrument

An instrument of type BANK_ACCOUNT will be created for eps payments where the consumers bank account details can be returned.

Request

GET /v1/payment-instruments/{instrument-id}

Response

{
  "id": "instr_Asu0ig2PXXZSiNrhY44A5",
  "details": {
    "holderName": "The dude",
    "iban": "NL18ABNA0484869868",
    "swiftCode": "ABNANL2A",
    "bankCode": "ABNANL2A"
  },
  "type": "BANK_ACCOUNT"
}