EPS Deposit

eps-Überweisung is the secure payment method of the Austrian banks using the trusted online banking.

The following method IDs are covered in this section:

ID

Name

Credit/Debit State

186

EPSDeposit

DepositedByProvider (29)

Payment method interaction type: Redirection to External Payment Provider (see Interaction Types).

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EPS Deposit Returns

Refer to Bank Transfer (and Wallet) Deposit Returns for information on how to correctly handle the notifications for EPS Deposit Returns

Redirect Integration

Supported.

Backend2Backend Integration

getPaymentInputData method returns a list of banks available for this payment method. For each bank we return BIC and bank name. The BIC of the selected bank should be passed in the initiatePayment request as specific payment data.

Example getPaymentInputDataRequest:

<?xml version="1.0" encoding="utf-8"?>
<getPaymentInputDataRequest xmlns="http://www.cqrpayments.com/PaymentProcessing" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema">
    <merchantID>KalixaAcceptDemo</merchantID>
    <shopID>KalixaAcceptDemo</shopID>
    <user>
        <id>d48693ca-e96e-4ca1-9e01-035645a79399</id>
    </user>
    <paymentMethodID>186</paymentMethodID>
</getPaymentInputDataRequest>

Example getPaymentInputDataResponse:

<?xml version="1.0" encoding="utf-8"?>
<getPaymentInputDataResponse xmlns="http://www.cqrpayments.com/PaymentProcessing"
                             xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
    <paymentInputData>
        <data xsi:type="keyStringValuePair">
            <key>BKAUATWWXXX</key>
            <value>Bank Austria</value>
        </data>
        <data xsi:type="keyStringValuePair">
            <key>BAWAATWWXXX</key>
            <value>BAWAG P.S.K. AG</value>
        </data>
        <data xsi:type="keyStringValuePair">
            <key>GIBAATWGXXX</key>
            <value>Erste Bank und Sparkassen</value>
        </data>
        <data xsi:type="keyStringValuePair">
            <key>RANMAT21XXX</key>
            <value>Raiffeisen Bankengruppe Österreich</value>
        </data>
        <data xsi:type="keyStringValuePair">
            <key>RZOOAT2L796</key>
            <value>bankdirekt.at AG</value>
        </data>
        <data xsi:type="keyStringValuePair">
            <key>RZOOAT2L795</key>
            <value>PRIVAT BANK AG</value>
        </data>
        <data xsi:type="keyStringValuePair">
            <key>VBOEATWWXXX</key>
            <value>Volksbank Gruppe</value>
        </data>
        <data xsi:type="keyStringValuePair">
            <key>OBKLAT2LXXX</key>
            <value>Oberbank AG</value>
        </data>
        <data xsi:type="keyStringValuePair">
            <key>BTVAAT22XXX</key>
            <value>BTV VIER LÄNDER BANK</value>
        </data>
        <data xsi:type="keyStringValuePair">
            <key>BFKKAT2KXXX</key>
            <value>BKS Bank AG</value>
        </data>
        <data xsi:type="keyStringValuePair">
            <key>HAABAT22XXX</key>
            <value>Hypo Alpe-Adria-Bank International AG</value>
        </data>
        <data xsi:type="keyStringValuePair">
            <key>HYINAT22XXX</key>
            <value>HYPO NOE Gruppe Bank AG</value>
        </data>
        <data xsi:type="keyStringValuePair">
            <key>HYPNATWWXXX</key>
            <value>HYPO NOE Landesbank AG</value>
        </data>
        <data xsi:type="keyStringValuePair">
            <key>HYPTAT22XXX</key>
            <value>Hypo Tirol Bank AG</value>
        </data>
        <data xsi:type="keyStringValuePair">
            <key>HYPVAT2BXXX</key>
            <value>Hypo Landesbank Vorarlberg</value>
        </data>
        <data xsi:type="keyStringValuePair">
            <key>EHBBAT2EXXX</key>
            <value>HYPO-BANK BURGENLAND Aktiengesellschaft</value>
        </data>
        <data xsi:type="keyStringValuePair">
            <key>OBLAAT2LXXX</key>
            <value>HYPO Oberösterreich,Salzburg,Steiermark</value>
        </data>
        <data xsi:type="keyStringValuePair">
            <key>VBOEATWWAPO</key>
            <value>Apothekerbank</value>
        </data>
        <data xsi:type="keyStringValuePair">
            <key>BWFBATW1XXX</key>
            <value>Ärztebank</value>
        </data>
        <data xsi:type="keyStringValuePair">
            <key>SPAEAT2SXXX</key>
            <value>Bankhaus Carl Spängler &amp; Co.AG</value>
        </data>
        <data xsi:type="keyStringValuePair">
            <key>BSSWATWWXXX</key>
            <value>Bankhaus Schelhammer &amp; Schattera AG</value>
        </data>
        <data xsi:type="keyStringValuePair">
            <key>EASYATW1XXX</key>
            <value>Easybank AG</value>
        </data>
        <data xsi:type="keyStringValuePair">
            <key>GAWIATW1XXX</key>
            <value>Gärtnerbank</value>
        </data>
        <data xsi:type="keyStringValuePair">
            <key>VOHGATW1XXX</key>
            <value>Immo-Bank</value>
        </data>
        <data xsi:type="keyStringValuePair">
            <key>SCHOATWWXXX</key>
            <value>Schoellerbank AG</value>
        </data>
        <data xsi:type="keyStringValuePair">
            <key>SPDAAT21XXX</key>
            <value>SPARDA-BANK AUSTRIA Nord</value>
        </data>
        <data xsi:type="keyStringValuePair">
            <key>SVIEAT21XXX</key>
            <value>SPARDA-BANK AUSTRIA Süd</value>
        </data>
        <data xsi:type="keyStringValuePair">
            <key>SPADATW1XXX</key>
            <value>Sparda Bank Wien</value>
        </data>
        <data xsi:type="keyStringValuePair">
            <key>VKBLAT2LXXX</key>
            <value>Volkskreditbank AG</value>
        </data>
        <data xsi:type="keyStringValuePair">
            <key>VRBKAT21XXX</key>
            <value>VR-Bank Braunau</value>
        </data>
        <data xsi:type="keyStringValuePair">
            <key>HAABAT2KXXX</key>
            <value>Austrian Anadi Bank AG</value>
        </data>
    </paymentInputData>
</getPaymentInputDataResponse>

InitiatePayment

There are no specificPaymentAccountData.
The following table contains the fields to be sent in the initiatePaymentRequest.specificPaymentData xml section:

key (value type, account type, required)

value

SuccessPageURL
(string, required)

The URL to redirect user in case of successful payment

CancelPageUrl
(string, required)

The URL to redirect user in case of cancellation

HomePageUrl
(string)

The URL of merchant`s web page

Payment Description
(string)

The payment description

OrderingCustomerNameAddressText
(string)

The customer address

LanguageCode
(string)

The language of the user on the merchant side, used for localizing the UI displayed to the user. if no LanguageCode will be specified, then “de” will be used

BankCode
(string, required)

Target bank code (BIC)

Example initiatePaymentRequest:

<?xml version="1.0" encoding="utf-8"?>
<initiatePaymentRequest xmlns="http://www.cqrpayments.com/PaymentProcessing" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema">
    <merchantID>KalixaAcceptDemo</merchantID>
    <shopID>KalixaAcceptDemo</shopID>
    <merchantTransactionID>0e23b2f1-1d92-4ddd-8d43-9de4e77e279b</merchantTransactionID>
    <paymentMethodID>186</paymentMethodID>
    <amount currencyCode="EUR">10</amount>
    <userID>d48693ca-e96e-4ca1-9e01-035645a79399</userID>
    <userData></userData>
    <userIP>127.0.0.1</userIP>
    <userSessionID>6a956eae-d903-4a01-8170-20dae92673d1</userSessionID>
    <creationTypeID>1</creationTypeID>
    <specificPaymentData>
        <data xsi:type="keyStringValuePair">
            <key>PaymentDescription</key>
            <value>Your description</value>
        </data>
        <data xsi:type="keyStringValuePair">
            <key>SuccessPageUrl</key>
      <value>http://example.com/result?status=success&amp;id=192456889</value>          
        </data>
        <data xsi:type="keyStringValuePair">
            <key>CancelPageUrl</key>
            <value>http://example.com/result?status=cancel&amp;id=192456889</value>
        </data>
        <data xsi:type="keyStringValuePair">
            <key>LanguageCode</key>
            <value>de</value>
        </data>
        <data xsi:type="keyStringValuePair">
            <key>BankCode</key>
            <value>GIBAATWGXXX</value>
        </data>
    </specificPaymentData>
</initiatePaymentRequest>

Example initiatePaymentRequest:

Note: the response below is incorrect and should be checked.

<initiatePaymentResponse xmlns="http://www.cqrpayments.com/PaymentProcessing">
         <payment xsi:type="paymentWithPaymentAccount" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
            <merchantID>KalixaAcceptDemo</merchantID>
            <shopID>KalixaAcceptDemo</shopID>
            <paymentMethod>
               <key>186</key>
               <value>EPSDeposit</value>
            </paymentMethod>
            <merchantTransactionID>testEPS_13_98</merchantTransactionID>
            <paymentID>4f7ff410-3ab3-4cfe-ba4b-4497f3d99fad</paymentID>
            <userID>d48693ca-e96e-4ca1-9e01-035645a79399</userID>
            <paymentProvider>
               <key>5</key>
               <value>ErsteBank netpay</value>
            </paymentProvider>
            <amount currencyCode="EUR">10</amount>
            <creationType>
               <key>1</key>
               <value>User</value>
            </creationType>
            <userIP>127.0.0.1</userIP>
            <state>
               <id>e1855811-def0-4196-afdf-8a75d7e1c77f</id>
               <definition>
                  <key>30</key>
                  <value>RedirectURLCreated</value>
               </definition>
               <createdOn>2017-05-03T09:23:02.7841239Z</createdOn>
               <description>https://api.test.kalixa.com/WebMockProviders/EPS2Authenticate.aspx?paymentID=1668901&amp;amount=10.00&amp;thankyoupage=http%3a%2f%2fsuccesspage.url&amp;errorpage=http%3a%2f%2fcancelpage.url</description>
               <paymentStateDetails>
                  <detail xsi:type="keyStringValuePair">
                     <key>RedirectionUrl</key>
                     <value>https://api.test.kalixa.com/WebMockProviders/EPS2Authenticate.aspx?paymentID=1668901&amp;amount=10.00&amp;thankyoupage=http%3a%2f%2fsuccesspage.url&amp;errorpage=http%3a%2f%2fcancelpage.url</value>
                  </detail>
                  <detail xsi:type="keyStringValuePair">
                     <key>PaymentStateReasonID</key>
                     <value>1</value>
                  </detail>
               </paymentStateDetails>
            </state>
            <isExecuted>false</isExecuted>
            <baseAmount currencyCode="EUR">10</baseAmount>
            <paymentDetails>
               <detail xsi:type="keyStringValuePair">
                  <key>ProviderExternalID</key>
                  <value>1668901</value>
               </detail>
            </paymentDetails>
            <paymentAccount>
               <paymentAccountID>0</paymentAccountID>
            </paymentAccount>
         </payment>
      </initiatePaymentResponse>

Possible payment states in initiatePaymentResponse:

Payment States

Description

RedirectURLCreated (30)

OK state; Redirect user to the URL

BlockedByPaymentScoring (202)

Error state; Refused by the PXP Financial Risk System

RefusedByPaymentScoring (121)

Error state; Refused by the PXP Financial Risk System

AuthoriseErrorReportedByProvider (14)

Error state; Error during payment initialization

AuthoriseCommunicationErrorOccurred (336)

Error state; Error during payment initialization

Notifications

The standard notification mechanism is used for notifying the merchant in the background (asynchronously) about payment state changes. For more information see PaymentStateChangedNotification.

Example handlePaymentStateChangedNotificationRequest:

<?xml version="1.0" encoding="utf-8"?>
<handlePaymentStateChangedNotificationRequest xmlns="http://www.cqrpayments.com/PaymentProcessing" xmlns:xsd="http://www.w3.org/2001/XMLSchema" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
    <payment xsi:type="paymentWithPaymentAccount">
        <merchantID>KalixaAcceptDEMO</merchantID>
        <shopID>KalixaAcceptDEMO</shopID>
        <paymentMethod>
            <key>76</key>
            <value>EPSVolksbankDeposit</value>
        </paymentMethod>
        <merchantTransactionID>20141215_36</merchantTransactionID>
        <paymentID>8e675bf0-50f2-43b4-8392-5a4fbf04248a</paymentID>
        <userID>KalxiaTestUser_5</userID>
        <paymentProvider>
            <key>33</key>
            <value>ARZ</value>
        </paymentProvider>
        <amount currencyCode="EUR">100.0000</amount>
        <creationType>
            <key>1</key>
            <value>User</value>
        </creationType>
        <userIP>195.72.132.1</userIP>
        <state>
            <id>4eae0038-b003-4b60-9b6e-13f8f9955290</id>
            <definition>
                <key>29</key>
                <value>DepositedByProvider</value>
            </definition>
            <createdOn>2014-12-15T15:33:15.593</createdOn>
            <paymentStateDetails xsi:nil="true" />
        </state>
        <isExecuted>true</isExecuted>
        <baseAmount currencyCode="EUR">100.0000</baseAmount>
        <paymentDetails>
            <detail xsi:type="keyStringValuePair">
                <key>ProviderExternalID</key>
                <value>713533</value>
            </detail>
            <detail xsi:type="keyIntValuePair">
                <key>PaymentScoring</key>
                <value>713533</value>
            </detail>
            <detail xsi:type="keyStringValuePair">
                <key>ProviderTransactionID</key>
                <value>AT1234567890XYZ</value>
            </detail>
        </paymentDetails>
        <paymentAccount>
            <paymentAccountID>0</paymentAccountID>
        </paymentAccount>
    </payment>
</handlePaymentStateChangedNotificationRequest>