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EPS

Last updated: 13th January 2022

Start accepting payments using Electronic Payment Standard (EPS), a favorite payment method in Austria.

EPS allows your customers to make purchases online through quick and easy bank transfers that are both secure and guaranteed.

To start accepting EPS payments, please contact your Customer Success Manager.

Model

Collecting

Payment flow

Redirect

Payment method type

Online banking

One-step payment

Authorization

Capture

Refund

Partial refund

Chargeback

Recurring payment


Overview

EPS payments follow a two-step process:


Request a payment

Use the details below to set up your request.

Endpoints

You can find the full list, as well as complete request and response examples, in our API reference.

    post

    https://api.checkout.com/payments

    Request example

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    {
    "source": {
    "type": "eps",
    "purpose":"Mens black t-shirt L"
    },
    "amount": 1914,
    "currency": "EUR",
    "success_url": "http://example.com/payments/success",
    "failure_url": "http://example.com/payments/fail",
    }

    If a customer ID or email is not provided in the request, then we automatically create a customer profile and return the customer id in the response.

    Response example

    If you receive a 202 Success response containing a status field set to Pending, then your request was successful.

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    {
    "id": "pay_wqvd2nukz5dujnmokm7ljhymwa",
    "status": "Pending",
    "customer": {
    "id": "cus_uvs2lu4b7ncurjx5zdtrixnc4e"
    },
    "_links": {
    "self": {
    "href": "https://api.sandbox.checkout.com/payments/pay_wqvd2nukz5dujnmokm7ljhymwa"
    },
    "redirect": {
    "href": "https://ftg-customer-integration.giropay.de/ftgbank/b/bankselection/2329733103475232793;jsessionid=6CA094B861DC4D16D1C48D1988DE4A32.sf-testapp02tom24?op=001"
    }
    }
    }

    Redirect the customer

    Redirect your customer to the redirect link’s href in the response. This will send them to an EPS bank selection page where they will select their bank before being transferred to that bank's page to enter their authorization details. If successful, the payment can be approved.

    Once they've completed this step, the customer is transferred to your predefined success or failure URL. Confirmation of an EPS payment is communicated only through webhooks. When you receive a payment_captured webhook notification, the transaction has been completed successfully. Until the payment_captured webhook is received (response code 10000), all payments are labeled as Pending.


    Get details about a payment

    You can retrieve details about an existing EPS payment with the following endpoint.

    Endpoints

    You can find the full list, as well as complete request and response examples, in our API reference.

      get

      https://api.checkout.com/payments/{payment_id}

      Response example

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      {
      "id": "pay_iilqeu2rsdqedkvkjhl2rxgbvy",
      "created_on": "2018-03-28T14:50:26Z",
      "source": {
      "type": "eps",
      "purpose": "Mens black t-shirt L",
      "bic": "HYPTAT22XXX",
      "iban": "AT611904300234573201",
      "account_holder_name": "Test Account"
      },
      "amount": 1914,
      "currency": "EUR",
      "payment_type": "Regular",
      "status": "Captured",
      "flagged": false,
      "_links": {
      "self": {
      "href": "https://api.checkout.com/gateway/payments/pay_iilqeu2rsdqedkvkjhl2rxgbvy"
      }
      }
      }

      Refund a payment

      EPS supports both partial and full refunds. You can refund a payment through the hub or using the refund API.


      Cancel a payment

      If the customer fails to complete their payment, we will automatically void the payment and send a payment_expired webhook.

      If the customer cancels their payment, we will send a payment_canceled webhook.


      Testing EPS

      To start testing, you'll need to:

      • create a test account, and
      • contact your Customer Success Manager or Integrations engineer to activate EPS payments in the sandbox environment.
      1. Create an EPS transaction as above, following the redirect link in the response to EPS's bank selection page.
      2. Select the bank:
      • BIC: HYPTAT22XXX
      • Name: HYPO TIROL BANK AG
      1. Confirm your selection and await redirection to the bank's page.
      2. Log in with the following details:
      • Verfügernummer (user number): 123456
      • Verfügername (username): [leave empty]
      • PIN: [leave empty]
      1. Select Auftrag absenden to continue.
      2. Leave the radio selection on mobileTAN and select sammeln und zeichnen to continue.
      3. In the mobileTAN-Eingabe field, enter 123456 and confirm by selecting OK.
      4. Select zurück. You should then be redirected to your predefined success URL.