EPS

Overview - EPS

Electronic Payment Standard (EPS) is currently the most widely used payment method in Austria. It is developed jointly by Austrian banks and the Government.

Main advantages of this payment method:

For merchants: EPS offers merchants guaranteed payments at zero risk. Merchants receive a payment guarantee from the customer's bank immediately after successful EPS transfer and can thus issue the goods or services immediately and without risk. Online payments are 100% guaranteed from the customer's bank.

For customers: EPS offers merchants guaranteed payments at zero risk. Merchants receive a payment guarantee from the customer's bank immediately after successful EPS transfer and can thus issue the goods or services immediately and without risk. Online payments are 100% guaranteed from the customer's bank.

Customer Experience - EPS

From customer perspective successful payment with EPS contains the following steps:

• Selecting EPS on merchant's site
• Choosing bank in which customer has bank account
• Redirecting the customer to his/her bank's login page
• Entering payment details by the customer - account number, PIN, and either: - A remittance slip is sent to the customer for confirming the transaction, containing a TAN (Transaction Authentication Number). The customer enters it to confirm the transaction. - The customer signs the transaction digitally using a 2FA token (if their bank offers that service)
• Authorizing the transaction in real-time by the bank, deducting the amount directly from the customers's account (if there is not enough balance, the transaction will be refused)

Notifications in case of successful EPS payment are:

1. For the merchant: Real-time confirmation of the payment by the bank.
2. For the customer: Redirection back to the merchant's page with a confirmation that the payment has been successful.

Customer Flow in the Payenegine Widget

Step No.	Description
1	Select EPS
2	View payment
3	Redirect to EPS
4	Select Bank
5	Log in to online banking
6	Follow the steps and pay the purchase

PayEngine Details - EPS

General

Supported Features & Services

Integration Types

Integration via API - EPS

Technical Flow

Webhook Notifications

As it is not ensured at the time of the redirect to the shop that the payment was 100% successful, the Payengine waits for the final asynchronous notification before a status is moved from PENDING into SUCCESS or FAILURE.

A merchant should register for the Payengine webhook notifications in order to receive this final status update.

Alternatively a GET request on the order or DEBIT transaction would also work, but it is not ensured that the final status will be available immediately after the redirect and a merchant might have to query the GET multiple times.

Therefore it is strongly recommended that the asynchronous notifications from the Payengine are used instead.

The notifications could be subscribed:

• via the payengine API (link to API documentation)
• via the Payengine Merchant Center (link to Merchant Center notifications documentation)

Specifications - EPS

Prerequisites for Debit Transactions

Specific Debit Request Parameters

Samples

Debit Transaction

{
						"product" : "eps",
						"terms": 1468590412476,
						"privacy": 1468590412476,

{
						"createdAt": 1549459395975,
						"modifiedAt": 1549459395997,
						"merchantId": "Merchant-11111111-1111-1111-1111-111111111111",

Testing

Currently testing of Giropay payment transactions on TM environment is possible only via simulator.