EPS
Last updated: April 29, 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.
Information
To start accepting EPS payments, please contact your Account Manager.
Model | Collecting |
---|---|
Payment flow | Redirect |
Payment method type | Online banking |
One-step payment | |
Authorization | |
Capture | |
Refund | |
Partial refund | |
Chargeback | |
Recurring payment |
EPS payments follow a two-step process:
Use the details below 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
1{2"source": {3"type": "eps",4"purpose": "Mens black t-shirt L"5},6"amount": 1914,7"currency": "EUR",8"success_url": "http://example.com/payments/success",9"failure_url": "http://example.com/payments/fail"10}
Information
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.
If you receive a 202 Success
response containing a status
field set to Pending
, then your request was successful.
1{2"id": "pay_wqvd2nukz5dujnmokm7ljhymwa",3"status": "Pending",4"customer": {5"id": "cus_uvs2lu4b7ncurjx5zdtrixnc4e"6},7"_links": {8"self": {9"href": "https://api.sandbox.checkout.com/payments/pay_wqvd2nukz5dujnmokm7ljhymwa"10},11"redirect": {12"href": "https://ftg-customer-integration.giropay.de/ftgbank/b/bankselection/2329733103475232793;jsessionid=6CA094B861DC4D16D1C48D1988DE4A32.sf-testapp02tom24?op=001"13}14}15}
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.
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/{payment_id}
1{2"id": "pay_iilqeu2rsdqedkvkjhl2rxgbvy",3"created_on": "2018-03-28T14:50:26Z",4"source": {5"type": "eps",6"purpose": "Mens black t-shirt L",7"bic": "HYPTAT22XXX",8"iban": "AT611904300234573201",9"account_holder_name": "Test Account"10},11"amount": 1914,12"currency": "EUR",13"payment_type": "Regular",14"status": "Captured",15"flagged": false,16"_links": {17"self": {18"href": "https://api.checkout.com/gateway/payments/pay_iilqeu2rsdqedkvkjhl2rxgbvy"19}20}21}
EPS supports both partial and full refunds. You can refund a payment through the hub or using the refund API.
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.
Note
To start testing, you'll need to:
- create a test account, and
- contact your Account Manager or Integrations engineer to activate EPS payments in the sandbox environment.
- Create an EPS transaction as above, following the redirect link in the response to EPS's bank selection page.
- Select the bank:
- BIC: HYPTAT22XXX
- Name: HYPO TIROL BANK AG
- Confirm your selection and await redirection to the bank's page.
- Log in with the following details:
- Verfügernummer (user number):
123456
- Verfügername (username): [leave empty]
- PIN: [leave empty]
- Select Auftrag absenden to continue.
- Leave the radio selection on mobileTAN and select sammeln und zeichnen to continue.
- In the mobileTAN-Eingabe field, enter
123456
and confirm by selecting OK. - Select zurück. You should then be redirected to your predefined success URL.