Table Of Contents
  OVERVIEW  INTEGRATIONS  TEST DATA AND PROCESS

Introduction

EPS is an electronic bank transfer solution that is exclusively used in Austria. It is a secure online payment system for web shops, as the transfers are processed only via your own bank's secure online banking. There is no need for an additional customer account with a payment service or another app; the login details for your own bank account are sufficient. When you are redirected to your online banking, the ordering process in the web shop and the payment process are strictly separated.

Over 11,000 online shops already offer quick, easy, and secure payment via EPS transfer. Many official electronic transactions in Austria are also carried out this way, as EPS is the widely used online payment method for e-government. The EPS transfer was developed in cooperation with Austrian banks.

Overview

Advantages for consumers:

Secure - no need to transfer login information and full data security through the customer's own bank

Easy to use through the online banking system

Simple, as there are no extra registrations or unnecessary costs required

Advantages for the merchant:

Secure - highest reliability guaranteed through Austrian banks

Wide reach - high potential for buyers and customers

Transparency - real-time payment confirmation and no need for additional software or hardware

EPS bank groups
Code Signification
ARZ_OAB

Apothekerbank
ARZ_BAF

Ärztebank
BA_AUS

Bank Austria
ARZ_BCS

Bankhaus Carl Spängler & Co.AG
EPS_SCHEL

Bankhaus Schelhammer & Schattera AG
BAWAG_PSK

BAWAG P.S.K. AG
BAWAG_ESY

Easybank AG
SPARDAT_EBS

Erste Bank und Sparkassen
ARZ_HAA

Hypo Alpe-Adria-Bank International AG
ARZ_VLH

Hypo Landesbank Vorarlberg
HRAC_OOS

HYPO Oberösterreich,Salzburg,Steiermark
ARZ_HTB

Hypo Tirol Bank AG
EPS_OBAG

Oberbank AG
RAC_RAC

Raiffeisen Bankengruppe Österreich
EPS_SCHOELLER

Schoellerbank AG
ARZ_OVB

Volksbank Gruppe
EPS_VRBB

VR-Bank Braunau
EPS_AAB

Austrian Anadi Bank AG
EPS_BKS

BKS Bank AG
EPS_BKB

Brüll Kallmus Bank AG
EPS_VLB

BTV VIER LÄNDER BANK
EPS_CBGG

Capital Bank Grawe Gruppe AG
EPS_DB

Dolomitenbank
EPS_NOEGB

HYPO NOE Gruppe Bank AG
EPS_NOELB

HYPO NOE Landesbank AG
EPS_HBL

HYPO-BANK BURGENLAND Aktiengesellschaft
EPS_MFB

Marchfelder Bank
EPS_SPDBW

Sparda Bank Wien
EPS_SPDBA

SPARDA-BANK AUSTRIA
EPS_VKB

Volkskreditbank AG
EPS_POSO

Posojilnica Bank eGen

Last Update: 12.07.2022

Integrations

POST Request - Pre-/ Authorization
Account Parameters
request
required
Fixed Value: preauthorization / authorization
mid
required
your merchant ID, 5-digit numeric
aid
required
your subaccount ID, 5-digit numeric
portalId
required
your Portal ID, 7-digit numeric
key
required
your key value, alpha-numeric
Common Parameters
clearingtype
required
Fixed Value: sb
onlinebanktransfertype
required
Fixed Value: EPS

EPS: online bank transfer of Austria
mode
required
Fixed Value: test/live
bankcountry
required
Fixed Value: AT
bankgrouptype
optional
Format: Char fixed 7 digits XXX_XXX

The bank can be selected on the EPS bank selection page if no value is provided in the API request
reference
optional
Format CHAR(2..255)

A unique ID that will be displayed in your shop backend and for the customer
amount
required
Format NUMERIC(1..10)
Permitted values max. +/- 19 999 999 99

Specifies the total gross amount of a payment transaction.

Value is given in smallest currency unit, e.g. Cent of Euro.

The amount must be less than or equal to the amount of the corresponding booking.
currency
required
Format LIST
Permitted values ISO 4217 (currencies) 3-letter-codes
Samples

EUR

USD

GBP
narrative_text
optional
Format CHAR(1..81)

Dynamic text element on account statements (3 lines with 27 characters each) and credit card statements.
successurl
required
Format CHAR(2..255)

Scheme <scheme>://<host>/<path>
       <scheme>://<host>/<path>?<query>
       
scheme-pattern: [a-zA-Z]{1}[a-zA-Z0-9]{1,9}

URL for "payment successful"
errorurl
required
Format CHAR(2..255)

Scheme <scheme>://<host>/<path>
       <scheme>://<host>/<path>?<query>
       
scheme-pattern: [a-zA-Z]{1}[a-zA-Z0-9]{1,9}

URL for "faulty payment"
backurl
required
Format CHAR(2..255)

Scheme <scheme>://<host>/<path>
       <scheme>://<host>/<path>?<query>
       
scheme-pattern: [a-zA-Z]{1}[a-zA-Z0-9]{1,9}

URL for "Back" or "Cancel"
PERSONAL DATA Parameters
customerid
optional
Format CHAR(1..20)
Permitted Symbols [0-9, a-z, A-Z, .,-,_,/]

Merchant's customer ID, defined by you / merchant to refer to the customer record.

"customerid" can be used to identify a customer record. 
If "customerid" is used then stored customer data are loaded automatically.
userid
optional
Format NUMERIC(6..12)

PAYONE User ID, defined by PAYONE
businessrelation
optional
Format LIST
Value Comment
b2c

Indicates business to private customer
b2b

indicates business to business customer (company

Value specifies business relation between merchant and customer
salutation
optional
Format CHAR(1..10)

The customer's salutation
title
optional
Format CHAR(1..20)
Samples

Dr

Prof.

Dr.-Ing.

Title of the customer
firstname
optional
Format CHAR(1..50)

First name of customer; optional if company is used, i.e.: you may use "company" or "lastname" or "firstname" plus "lastname"
lastname
required
Format CHAR(2..50)

Last name of customer; optional if company is used, i.e.: you may use "company" or "lastname" or "firstname" plus "lastname"
company
optional
Format CHAR(2..50)

Comany name of customer; optional if company is used, i.e.: you may use "company" or "lastname" or "firstname" plus "lastname"
street
optional
Format CHAR(1..50)

Street number and name (required: at least one character)
addressaddition
optional
Format CHAR(1..50)
Samples

7th floor

c/o Maier

Specifies an additional address line for the invoice address of the customer.
zip
optional
Format CHAR(2..50)
Permitted Symbols [0-9][A-Z][a-z][_.-/ ]

Postcode
city
optional
Format CHAR(2..50)

City of customer
country
required
Format LIST
Permitted values ISO 3166 2-letter-codes
state
required
Format LIST
Permitted values ISO 3166-2 States (regions)  2-letter-codes
Samples US Samples CA
AK AB
AL BC

Specifies state / region of country for the customer.
"state" is required for these countries: US, CA, CN, JP, MX, BR, AR, ID, TH, IN and must not be used for all other countries.
email
optional
Format CHAR(5..254)

Mandatory if "add_paydata[shopping_cart_type]=DIGITAL"

Permitted Symbols RFC 5322

Special Remark email validation:

Max. length for email is 254 characters. Validation is set up in the following way:

Username = Max. 63 characters

Domain Name = Max. 63 characters
Domain Suffixes = Max. 4 suffixes with max. 124 characters 
Example: username[63]@domain_name[63].suffix[60].suffix[60].suffix[4]

"@" and "." is counted as a character as well; in case of a total of three suffixes, this would allow a total of 254 characters.

email-address of customer
telephonenumber
optional
Format CHAR(1..30)

Phone number of customer
birthday
optional
Format DATE(8), YYYYMMDD
Samples

20190101

19991231

Date of birth of customer
language
optional
Format LIST
Permitted values ISO 639-1 (Language)2-letter-codes

Language indicator (ISO 639) to specify the language that should be presented to the customer (e.g. for error messages, frontend display).

If the language is not transferred, the browser language will be used. For a non-supported language English will be used.
vatid
optional
Format CHAR(1..50)

VAT identification number. Used for b2b transactions to indicate VAT number of customer.
gender
optional
Format LIST
Permitted values f /m/d

Gender of customer (female / male / diverse* )

* currently not in use
personalid
optional
Format CHAR(1..32)
Permitted Symbols [0-9][A-Z][a-z][+-./()]

Person specific numbers or characters, e.g. number of passport / ID card
ip
optional
Format CHAR(1..39)

Customer's IP-V4-address (123.123.123.123) or IP-V6-address
Delivery data Parameters
shipping_firstname
required
Format CHAR(1..50)

First name of delivery address
shipping_lastname
required
Format CHAR(1..50)

Surname of delivery address
shipping_company
optional
Format CHAR(2..50)

Company name of delivery address
shipping_street
optional
Format CHAR(2..50)

Street number and name of delivery address
shipping_zip
required
Format CHAR(2..50)

Postcode of delivery address
shipping_addressaddition
optional
Format CHAR(1..50)

Specifies an additional address line for the delivery address of the customer, e.g. "7th floor", "c/o Maier".
shipping_country
optional
Format LIST
Permitted values ISO 3166 2-letter-codes
Samples

DE

GB

US

Specifies country of address for the customer.

Some countries require additional information in parameter "state"
shipping_state
required (in CN)
Format LIST
Permitted values ISO 3166-2 States (regions)  2-letter-codes
Samples US Samples CA
AK AB
AL BC

Specifies state / region of country for the customer.
"state" is required for these countries: US, CA, CN, JP, MX, BR, AR, ID, TH, IN and must not be used for all other countries.
Response Parameters
status
Permitted Values
REDIRECT
ERROR
Response Data (Redirect)
txid
Format NUMERIC(9..12)

The txid specifies the payment process within the PAYONE platform
redirecturl
Redirect URL
userid
Format NUMERIC(6..12)

PAYONE User ID, defined by PAYONE
Response parameters (error)
errorcode
Format NUMERIC(1..6)

In case of error the PAYONE Platform returns an error code for your internal usage.
errormessage
Format CHAR(1..1024)

In case of error the PAYONE Platform returns an error message for your internal usage.

 
Host: api.pay1.de
Content-Type: application/x-www-form-urlencoded
Payload

aid=12345
mid=23456
portalid=12345123
key=abcdefghijklmn123456789
request=authorization
currency=EUR
encoding=UTF-8
mode=test
reference=pm-post-{{$timestamp}}
currency=EUR
lastname=PM-Tester
firstname=Paul
country=AT
amount=1000
clearingtype=sb
bankcountry=AT
bankgrouptype=ARZ_HTB
onlinebanktransfertype=EPS
backurl=https://yourdomain.dev/return_back
successurl=https://yourdomain.dev/return_sucess
errorurl=https://yourdomain.dev/return_error 
Response

redirecturl=https://www.banking.co.at/appl/ebp/logout/so/loginPrepare/eps.html?resource=2&demo=true&cai=%2BNMtoAXdSTWFUJxDMBOCxBJ1eb0wqE3Zfw63sAOSgSqg0PsYnMH--
status=REDIRECT
txid=943213864
userid=622493916 
POST Request - Capture
Account Parameters
request
required
Fixed Value: capture
mid
required
your merchant ID, 5-digit numeric
aid
required
your subaccount ID, 5-digit numeric
portalId
required
your Portal ID, 7-digit numeric
key
required
your key value, alpha-numeric
common Parameters
txid
required
Format NUMERIC(9..12)

The txid specifies the payment process within the PAYONE platform
sequencenumber
optional
Format NUMERIC(1..3)
Permitted values 0..127

Sequence number for this transaction within the payment process (1..n), e.g. PreAuthorization: 0, 1. Capture: 1, 2. Capture: 2

Required for multi partial capture (starting with the 2nd capture)
amount
required
Format NUMERIC(1..10)
Permitted values max. +/- 19 999 999 99

Specifies the total gross amount of a payment transaction.

Value is given in smallest currency unit, e.g. Cent of Euro; Pence of Pound sterling; Öre of Swedish krona.

The amount must be less than or equal to the amount of the corresponding booking.
currency
required
Fixed Value EUR
narrative_text
optional
Format CHAR(1..81)

Dynamic text element on account statements (3 lines with 27 characters each) and credit card statements.
Response Parameters
status
Permitted Values
APPROVED
PENDING
ERROR
Response Parameter (approved)
txid
Format NUMERIC(9..12)

The txid specifies the payment process within the PAYONE platform
settleaccount
Format LIST
Value Comment
yes

Settlement of outstanding balances has been carried out.
no

Settlement of outstanding balances has not been carried out.

Provides information about whether a settlement of balances has been carried out.
Response parameters (pending)
txid
Format NUMERIC(9..12)

The txid specifies the payment process within the PAYONE platform
userid
Format NUMERIC(6..12)

PAYONE User ID, defined by PAYONE
Response parameters (error)
errorcode
Format NUMERIC(1..6)

In case of error the PAYONE Platform returns an error code for your internal usage.
errormessage
Format CHAR(1..1024)

In case of error the PAYONE Platform returns an error message for your internal usage.

 
Host: api.pay1.de
Content-Type: application/x-www-form-urlencoded
Payload

mid=23456
portalid=12345123
key=abcdefghijklmn123456789
api_version=3.10
mode=test
request=capture
encoding=UTF-8
txid=345678901
amount=300
currency=EUR 
RESPONSE

status=APPROVED
txid=345678901
settleaccount=no               
POST Request - Debit
Account Parameters
request
required
Fixed Value: debit
mid
required
your merchant ID, 5-digit numeric
aid
required
your subaccount ID, 5-digit numeric
portalId
required
your Portal ID, 7-digit numeric
key
required
your key value, alpha-numeric
Common Parameters
txid
required
Format NUMERIC(9..12)

The txid specifies the payment process within the PAYONE platform
sequencenumber
required
Format NUMERIC(1..3)
Permitted values 0..127

Sequence number for this transaction within the payment process (1..n), e.g. PreAuthorization: 0, 1. Capture: 1, 2. Capture: 2

Required for multi partial capture (starting with the 2nd capture)
amount
required
Format NUMERIC(1..10)
Permitted values max. +/- 19 999 999 99

Specifies the total gross amount of a payment transaction.

Value is given in smallest currency unit, e.g. Cent of Euro; Pence of Pound sterling; Öre of Swedish krona.

The amount must be less than or equal to the amount of the corresponding booking.
currency
required
Fixed Value EUR
narrative_text
optional
Format CHAR(1..81)

Dynamic text element on account statements (3 lines with 27 characters each) and credit card statements.
clearingtype
optional
Fixed Value wlt
use_customerdata
optional
Format LIST
Value Comment
yes

Uses current account details from debtor's master data (default)
no

Uses the last known account details in the payment process

Use account details from debtor's master data
transaction_param
optional
Format CHAR(1..50)
Permitted Symbols [0-9][A-Z][a-z][.-_/]

Optional parameter for merchant information (per payment request)
Response Parameters
status
Permitted Values
APPROVED
ERROR
Response Parameter (approved)
txid
Format NUMERIC(9..12)

The txid specifies the payment process within the PAYONE platform
settleaccount
Format LIST 
Value Comment
yes

Settlement of outstanding balances has been carried out.
no

Settlement of outstanding balances has not been carried out.

Provides information about whether a settlement of balances has been carried out.
Response Parameter (error)
errorcode
Format NUMERIC(1..6)

In case of error the PAYONE Platform returns an error code for your internal usage.
errormessage
Format CHAR(1..1024)

In case of error the PAYONE Platform returns an error message for your internal usage.
customermessage
Format CHAR(1..1024)

The customermessage is returned to your system in order to be displayed to the customer.

(Language selection is based on the end customer's language, parameter "language")

 
Host: api.pay1.de
Content-Type: application/x-www-form-urlencoded
Payload
                    
mid=23456
portalid=12345123
key=abcdefghijklmn123456789
api_version=3.10
mode=test
request=debit
encoding=UTF-8
txid=345678901
sequencenumber=2
amount=1000
currency=EUR    
RESPONSE

status=APPROVED
txid=345678901
settleaccount=no

Test Data and process

Here is a little step-by-step walkthrough, to find your way through the EPS user interface.

1
Choose Apothekerbank

API-REQUEST PARAMETER BANKGROUPTYPE ARZ_OAB

2
Selection of Bankname BIC/PLZ

PSA Stuzza Bank (STZZATWWXXX)

3
Login

Benutzername: 1005323
Passwort: $eps9999!

4
Press "TAN Anfordern" 

Copy received TAN from left side to right 

Cancel: "Überweisung abbrechen"

5
Send TAN
6

Summary

Choose "zurück zum shop" to get back to the shop.