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.

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/fail"
10    }

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.

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.

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

3. Confirm your selection and await redirection 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. You should then be redirected to your predefined success URL.