eps-Überweisung
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
$.authenticationMethods[?(@.type == "REDIRECT")].details.requestUrl
.
For example, with the value ofhttps://redirection-target.ppro.com/
using the returned$.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"
}
Updated 4 days ago