About eps

General information about eps

In Austria supports online money transfer with the Austrian Electronic Payment Standard (EPS). EPS is an established system for e-commerce payments in Austria offering a payment guarantee to the merchant. The customer can use the familiar and trusted online banking of its own credit institution, just the same as with online banking.

With online banking, the data disclosed in the online transfer is encrypted with SSL (Secure Sockets Layer) to prevent manipulation.

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In Austria the online bank transfer with eps is very widespread in E-commerce and thus an interesting addition to the payment mix. Additionally the merchant gets a payment guarantee.

Type

Payments by Online Bank Transfer

Further information can be found on the webpage of eps (https://eps-ueberweisung.at/).

Process flow chart

eps process flow

interface

Calling the eps interface

The eps connection with a form can be either direct or via PPRO, where the interface form and process are largely identical. With the PPRO connection there are a few added parameters which are explained separately in the table. Subsequent credits and batch transfer credits can only be made with the PPRO connection.

To make a payment in Austria with eps online transfer via a form, please use the following URL:

eps.aspx

Notice: An eps connection via iFrame is not possible due to eps regulations and will be prevented technically.

Key

REST

Format

CND

Description

Beschreibung

RefNr

"referenceNumber": "..."

ns..30

M

Unique reference number.

In case of PPRO: Only characters a-zA-Z0-9,-_ are allowed, format ans..40.

Eindeutige Referenznummer.

Bei PPRO: Nur die Zeichen a-zA-Z0-9,-_ sind erlaubt, Format ans..40.

Key	REST	Format	CND	Description	Beschreibung
OptionDate	"payment": {"eps": {"desiredPaymentExecutionDate": "..."}}	ans10	OC	Not with PPRO: desired payment execution date in the format YYYY-MM-DD	Nicht bei PPRO: gewünschter Ausführungstermin der Zahlung im Format JJJJ-MM-TT
OrderDesc	"order": {"description[0]": "..."}	ans..768	M	Intended use on statement of account (max 35 digits) With PPRO: Description of purchased goods, unit prices etc.	Verwendungszweck auf dem Kontoauszug (hier nur 35 Zeichen) Bei PPRO: Beschreibung der gekauften Waren, Einzelpreise usw.
OrderDesc2	"order": {"description[1]": "..."}	ans..384	C	Not with PPRO: Number and description of purchased products, individual prices, comma-separated list, no special characters allowed	nicht bei PPRO: Anzahl u. Beschreibung der gekauften Waren, Einzelpreise; kommaseparierte Liste, keine Sonderzeichen erlaubt
AccOwner	"payment": {"eps": {"account": {"accountHolder": "..."}}}	ans3..50	OC	Obligatory for PPRO: Name of account holder	bei PPRO Pflicht: Name des Kontoinhabers
IBAN	"payment": {"eps": {"account": {"number": "..."}}}	ans..34	OC	Obligatory for PPRO: International Bank Account Number for SEPA	bei PPRO Pflicht: International Bank Account Number für SEPA
BIC	"payment": {"eps": {"account": {"code": "..."}}}	ans..11	OC	Obligatory for PPRO: Bank Identifier Code for SEPA	bei PPRO Pflicht: Bank Identifier Code für SEPA

Key	REST	Format	CND	Description	Beschreibung
SellingPoint	"payment": {"eps": {"sellingPoint": "..." }}	ans..50	C	Only with PPRO: Selling point	Nur bei PPRO: Verkaufsstelle
Service	"payment": {"eps": {"service": "..." }}	ans..50	C	Only with PPRO: products or service sold	Nur bei PPRO: verkaufte Produkte oder Dienstleistungen
Channel	"channel": {"code": "..."}	ans..64	OC	Only with PPRO: configuration channel of the PPRO contract (account and ContractID are stored in the system). If it exists, it may overwrite channels stored in the system	Nur bei PPRO: Konfigurationskanal des PPRO-Vertrags (Account und ContractID sind im System hinterlegt). Wenn vorhanden, überschreibt er eventuell im System hinterlegten Channel.
Language	"language": "..."	a2	O	Only with PPRO: 2-letter language code (e.g.. de) that should be preferred when presenting payment pages to the consumer	Nur bei PPRO: 2-stelliger Sprachcode (z.B. de), der für die Zahlungsseiten für den Kunden bevorzugt werden soll

Parameters for online transfers with eps

Key

Format

CND

Description

Beschreibung

Status

a..50

M

OK, AUTHORIZED (URLSuccess) or FAILED (URLFailure).

with PPRO also AUTHORIZE_REQUEST

OK, AUTHORIZED (URLSuccess) oder FAILED (URLFailure).

bei PPRO auch AUTHORIZE_REQUEST

Key

Format

CND

Description

Beschreibung

RefNr

ns..30

O

Unique reference number.

In case of PPRO: Only characters a-zA-Z0-9,-_ are allowed, format ans..40.

Eindeutige Referenznummer.

Bei PPRO: Nur die Zeichen a-zA-Z0-9,-_ sind erlaubt, Format ans..40.

Key	Format		CND	Description	Beschreibung
AccOwner	ans3..50		M	Name of account holder	Name des Kontoinhabers
IBAN		ans..34	OC	Obligatory for PPRO: International Bank Account Number for SEPA	bei PPRO Pflicht: International Bank Account Number für SEPA
BIC		ans..11	OC	Obligatory for PPRO: Bank Identifier Code for SEPA	bei PPRO Pflicht: Bank Identifier Code für SEPA
PaymentPurpose	ans..26		C	Only with PPRO: Purpose of payment	Nur bei PPRO: Zahlungszweck
PaymentGuarantee	a..12		C	Only with PPRO: NONE= no payment guarantee, VALIDATED= customer account valid, but no payment guarantee, FULL= payment guarantee Notice: This parameter is only returned if the Status=OK.	Nur bei PPRO: NONE= keine Zahlungsgarantie, VALIDATED= Kundenkonto valide, aber keine Zahlungsgarantie, FULL= Zahlungsgarantie Hinweis: Dieser Parameter wird nur zurückgegeben, falls der Status=OK ist.
ErrorText	ans..128		C	Only with PPRO: Detailed PPRO error message. Notice: Is returned only if Status=FAILED. Use is possible only in agreement with .	Nur bei PPRO: detaillierte PPRO Fehlermeldung. Hinweis: Wird nur bei Status=FAILED zurückgegeben. Nutzung nur in Abstimmung mit dem möglich.
TransactionID	an..20		O	Only with PPRO: Unique transaction number from PPRO	Nur bei PPRO: Eindeutige Transaktionsnummer bei PPRO

Result parameters for URLNotify, URLSuccess and URLFailure in case of eps

Credit with reference

Credits (refunds) are possible via a Server-to-Server connection. Eps credits are only allowed with the PPRO connection. permits only credits for eps that reference on a capture previously made via . The amount of the Credit is limited to the amount of the previous capture.

To carry out a credit with a reference transaction, please use the following URL:

credit.aspx

Parameters for credits of eps payments

Result parameters for credits of eps payments

Batch processing via the interface

This section describes the parameters which must be transferred with the data set (Record) for executing an eps credit and which information can be found within the response file about the payment status.

Notice: Please note that Batch processing for eps is possible only via PPRO connection.

Following table gives an overview of all batch versions that are possible for a specific action an their specialities:

Action	Version	Description	Beschreibung
Credit	1.0 / 2.0	Standard version without return of parameter Code	Standardversion ohne Rückgabe von Parameter Code
	1.x / 2.x	with RefNr (valid for all versions other than 1.0)	mit RefNr (gilt für alle Versionen außer 1.0)

Description of the possible batch versions

The structure for an eps credit within a Batch file to be submitted is the following:

HEAD,<MerchantID>,<Date>,<Version>
EPS,Credit,<PayID>,<TransID>,(<RefNr>),<Amount>,<Currency>
FOOT,<CountRecords>,<SumAmount>

Example for Master MID function:

HEAD,[Master]MerchantID,Date,2.x
Type,Action,[Slave]MID,Amount,Currency,TransID,Data (depends on Action)
FOOT,CountRecords,SumAmount

Key	Format	CND	Description	Beschreibung
Type	a..11	M	HEAD for Header, FOOT for Footer, EPS for direct eps	HEAD für Header, FOOT für Footer, EPS für eps
Action	a..20	M	The parameter Action defines the type of transaction: Credit	Der Action-Parameter definiert die Art der Transaktion: Credit (Gutschrift)

Key

Format

CND

Description

Beschreibung

RefNr

ns..30

O

Unique reference number.

In case of PPRO: Only characters a-zA-Z0-9,-_ are allowed, format ans..40.

Eindeutige Referenznummer.

Bei PPRO: Nur die Zeichen a-zA-Z0-9,-_ sind erlaubt, Format ans..40.

Description of fields within the record for Batch files

The record area within the response file for Batch transactions looks the following way:

HEAD,<MerchantID>,<Date>,<Version>
EPS,Credit,<PayID>,<TransID>,(<RefNr>),<Amount>,<Currency>,<Status>,<Code>
FOOT,<CountRecords>,<SumAmount>

Key	Format	CND	Description	Beschreibung
Action	a..20	M	The parameter Action defines the type of transaction: Credit	Der Action-Parameter definiert die Art der Transaktion: Credit (Gutschrift)

Description of result parameters within the record for Batch files