Electronic Payment Standard (EPS)
Last updated: December 11, 2024
Information
EPS is also available through Flow. Flow enables you to accept payments on your website using Checkout.com's global network of payment methods with a single integration.
EPS enables customers to perform online purchases through quick, secure, and guaranteed bank transfers.
Information
To enable EPS payments on your account, contact your Account Manager or [email protected].
Model | Collecting |
|---|---|
Payment flow | Redirect |
Payment method type | Online banking |
Auto-capture payment | |
Authorization | |
Capture | |
Refund | |
Partial refund | |
Chargeback | |
Recurring payment |
Note
Refunds can be performed using the Refund API. Refunds are not supported via the Dashboard.
EPS payments follow a two-step process:
Use the following details to set up your request.
You can find the full list, as well as complete request and response examples, in our API reference.
post
https://api.checkout.com/payments
If a customer ID or email is not provided in the request, we automatically create a customer profile and return the customer id in the response.
If you receive a 202 Success response containing a status field set to Pending, your request was successful.
Redirect your customer to the redirect link’s href in the response. The link will send them to an EPS page where they can select their bank.
Once they've selected a bank, they'll be transferred to the specified bank's page to enter their authorization details. If successful, the payment can be approved and the customer is either redirected to your predefined success or failure URL.
Confirmation of an EPS payment is only communicated through webhooks. All payments are labeled as Pending until you receive a payment_captured webhook notification (response code 10000), indicating a successful transaction.
You can retrieve details about an existing EPS payment with the following endpoint.
You can find the full list, as well as complete request and response examples, in our API reference.
get
https://api.checkout.com/payments/{id}
EPS supports both partial and full refunds. You can refund a payment using the Refund API.
If the customer fails to complete their payment, we automatically void it and send a payment_expired webhook.
However, if the customer explicitly cancels their payment, we send a payment_canceled webhook instead.
Before you begin testing, you must create a test account and contact your Account Manager to activate EPS payments in your sandbox environment.
- Send an EPS payment request and follow the redirect link in the response to the EPS bank selection page.
- In the BIC search box, enter STUZZA, and then select any of the following banks:
- Bank 1:
- BIC – STZZATWWXXX
- Name – PSA (Stuzza) Bank
- Bank 2:
- BIC – STUZZATWXXX
- Name – PSA (Stuzza) Bank 2
- Bank 1:
- Select Weiter zum Bezahlen.
- Sign in to the bank's sandbox environment using the following credentials:
- Bank 1:
- Benutzername – 1004649
- Passwort –
gKFQ'w3m>-Y?9k_#nUE8
- Bank 2:
- Benutzername – 1009853
- Passwort –
gKFQ'w3m>-Y?9k_#nUE8v
- Bank 1:
- Select TAN ANFORDERN.
- Copy the returned TAN number and paste it into the TAN Hier eintragen field.
- Select TAN SENDEN.
- If the payment is successful, you will see a success page in the bank's sandbox environment, and you will be redirected to your predefined success URL.