Electronic Payment Standard (EPS) Beta

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.

EPS payments follow a two-step process:

1. Request a payment
2. Redirect the customer

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.

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/failure"
10    }

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.

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. 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.

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": "John Smith"
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 Dashboard or 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 being testing, you'll need to create a test account and contact your Customer Success Manager to activate EPS payments in your sandbox environment.

Once you're set up, follow the steps below to test:

1. Create an EPS transaction using the steps mentioned on this page and follow the redirect link in the response to the EPS bank selection page.
2. Select the bank:

• BIC: HYPTAT22XXX
• Name: HYPO TIROL BANK AG

3. Confirm your selection and wait until you're redirected to the bank's page.
4. Log in with the following details:

• Verfügernummer (user number): 123456
• Verfügername (username): [leave empty]
• PIN: [leave empty]

5. Select Auftrag absenden to continue.
6. Leave the radio selection on mobileTAN and select sammeln und zeichnen to continue.
7. In the mobileTAN-Eingabe field, enter 123456 and confirm by selecting OK.
8. Select zurück.
9. If the above steps were successful, you should be redirected to your predefined success URL.