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EPS Deposit

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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:

IDNameCredit/Debit State
186EPSDepositDepositedByProvider (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 StatesDescription
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>

Updated almost 5 years ago