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.

Overview

EPS payments follow a two-step process:

1. Request a payment
2. Redirect the customer

Request a payment 

The POST request

Use the details below to set up your request.

Endpoints

POSThttps://api.checkout.com/payments

POSThttps://api.sandbox.checkout.com/payments

Header parameters

Body parameters

Request example

{
  "source": {
    "type": "eps",
    "purpose":"Mens black t-shirt L"
  },  
 "amount": 1914,
 "currency": "EUR",
 "success_url": "http://example.com/payments/success",
 "failure_url": "http://example.com/payments/fail",
}

The POST response

If you receive a 202 Success response containing a status field set to Pending, then your request was successful.

Response example

{
  "id": "pay_wqvd2nukz5dujnmokm7ljhymwa",
  "status": "Pending",
  "customer": {
    "id": "cus_uvs2lu4b7ncurjx5zdtrixnc4e"
  },
  "_links": {
    "self": {
      "href": "https://api.sandbox.checkout.com/payments/pay_wqvd2nukz5dujnmokm7ljhymwa"
    },
    "redirect": {
      "href": "https://ftg-customer-integration.giropay.de/ftgbank/b/bankselection/2329733103475232793;jsessionid=6CA094B861DC4D16D1C48D1988DE4A32.sf-testapp02tom24?op=001"
    }
  }
}

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.

Alternative flow: Including the BIC 

If you include the BIC in your request, the payment will follow a slightly different flow.

Response example

If your request is successful, you'll receive a response like the following (note the different redirect URL):

{
  "id": "pay_iilqeu2rsdqedkvkjhl2rxgbvy",
  "status": "Pending",
  "customer": {
    "id": "cus_xtmverdclvfuhjuqjwduqeuqnu",
  },
  "_links": {
    "redirect": {
      "href": "https://ftg-customer-integration.giropay.de/ftg/b/go/07i2i1k00pp1tkapcdoy3bo3;jsessionid=3EEF88674DADC7A4FC117BB39E770269.sf-testapp02tom23"
    },
    "self": {
      "href": "http://api.checkout.com/payments/pay_iilqeu2rsdqedkvkjhl2rxgbvy"
    }
  }
}

Redirect the customer

Unlike the standard payment flow detailed above, the redirect link’s href will send your customer directly to their bank's website where they need to enter their authorization details. If successful, the payment can be approved.

After that, the flow is the same: the customer will be sent to your predefined success or failure URL, and you can get confirmation of the payment via webhooks.

Get details about a payment

You can retrieve details about an existing EPS payment with the following endpoint.

The GET request

Endpoints

GEThttps://api.checkout.com/payments/{payment_id}

GEThttps://api.sandbox.checkout.com/payments/{payment_id}

Header and path parameters

The GET response

Response example

{
  "id": "pay_iilqeu2rsdqedkvkjhl2rxgbvy",
  "created_on": "2018-03-28T14:50:26Z",
  "source": {
    "type": "eps",
    "purpose": "Mens black t-shirt L",
    "bic": "HYPTAT22XXX",
    "iban": "AT611904300234573201",
    "account_holder": "Test Account"
  },
  "amount": 1914,
  "currency": "EUR",
  "payment_type": "Regular",
  "status": "Captured",
  "flagged": false,
  "_links": {
    "self": {
      "href": "http://api.checkout.com/gateway/payments/pay_iilqeu2rsdqedkvkjhl2rxgbvy"
    }
  }
}

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.

Get a list of supported banks

You can use this request to get an up-to-date list of all banks supporting EPS payments.

The GET request

Use the details below to set up your request.

Endpoints

GEThttps://api.checkout.com/giropay/eps/banks

GEThttps://api.sandbox.checkout.com/giropay/eps/banks

Header parameters

The GET response

Response example

{
  "_links": {
    "self": {
      "href": "https://api.sandbox.checkout.com/giropay/eps/banks"
    }
  },
  "banks": {
    // ...
    "OBLAAT2LXXX": "Oberösterreichische Landesbank AG",
    "SLHYAT2SXXX": "SALZBURGER LANDES-HYPOTHEKENBANK AG",
    "HYSTAT2GXXX": "Landes-Hypothekenbank Steiermark AG",
    "HYPTAT22XXX": "HYPO TIROL BANK AG",
    "HYPVAT2BXXX": "Vorarlberger Landes- und Hypothekenbank AG"
  }
}

Testing EPS

1. Create an EPS transaction as above, following the redirect link in the response to EPS's bank selection page. (If you include the BIC in your request, you will go straight to the bank's 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. Click Auftrag absenden to continue.
6. Leave the radio selection on mobileTAN and click sammeln und zeichnen to continue.
7. In the mobileTAN-Eingabe field, enter 123456 and confirm by clicking OK.
8. Click zurück. You should then be redirected to your predefined success URL.