EPS
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 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.
https://api.checkout.com/payments
Request example
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.
Response example
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 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.
https://api.checkout.com/payments/{payment_id}
Response example
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 }
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
Note
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.
- 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.