EPS

Electronic Payment Standard (EPS) allows Austrian customers to pay via fast and easy direct bank transfers.

#➡️ Key benefits of offering EPS as a payment method are:

• Popularity: EPS is the most popular bank transfer payment method in Austria

• Speed and ease of use: Customers can quickly and easily log into their chosen bank and complete a payment

• Wide availability: A wide variety of banks support EPS, making it a convenient option

• Security: Every payment is authorized securely within the bank’s environment

• Get started quickly: There is no need for the merchant to have an account with EPS

#How it works

Steps:

1. At the checkout page, the customer chooses EPS as their preferred payment method.

   

2. The customer is directed to an EPS page that displays a transaction summary. They select their preferred bank and click Continue:

   

3. They are then redirected to their bank’s online environment to log in with their account credentials:

   

4. After logging in, the customer can review the transaction before clicking Continue:

   

5. The customer then authorizes the transaction via Secure Customer Authentication, such as an SMS code:

   

6. The transaction success is confirmed on the bank’s page and the merchant is notified:

   

#➡️Details

• Merchant's account: Merchants do not need to have an account with EPS

• Payment method type: Asynchronous - payments are not confirmed immediately, it may take up to 1 hour to receive payment confirmation. You need to set up webhooks to get notified for asynchronous payments

• Refunds: Supports partial and full refunds

• Recurring payments: Not yet supported

• Pre-authorizations: Not yet supported

• 0% Cashback: Not supported

• MOTO: Not supported

• Cancellation: Supports cancellation

• Disputes: Supported

• DCC: Not supported

• Surcharge: Not supported

• Tipping: Not supported

• Installments: Not supported

• Tokenization: No

• Restricted MCC: Some Merchant Categories are not eligible to have EPS activated. Find them below.

• Μerchant countries: Available for merchants registered in Austria, Belgium, Croatia, Cyprus, Finland, France, Germany, Greece, Ireland, Italy, Luxembourg, Malta, Netherlands, Portugal & Spain

• Customer countries: Available to customers in Austria only

• Pricing: Please refer to our pricing page under the main navigation for more information

• Settlement: Customer payments are deposited the next day into your business account for confirmed payments / successful transactions (i.e. have statusId = F)

• Cross-currency payments: Not yet supported

• Additional notes: The Email address and Customer Name fields within Smart Checkout are optional

#➡️How to activate

This payment method is available upon positive review of your request. For more information, please contact your Viva sales representative. Alternatively, you can contact us directly via our live chat facility, by simply clicking on the Live Chat in your account. You may visit our Test Cards and Environments page for further information on how to make test payments with EPS.
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#➡️ Merchant Categories (MCC)

Some merchant categories are not eligible to have EPS activated. If your business is in one of these categories, you will not be able to accept payments through EPS:

#MCCs

5094 Precious Stones and Metals, Watches and Jewelry

5122 Drugs, Drug Proprietors, and Druggist’s Sundries

5499 Misc. Food Stores – Convenience Stores and Specialty Markets

5912 Drug Stores and Pharmacies

5962 Direct Marketing – Travel Related Arrangements Services

5966 Direct Marketing- Outbound Telemarketing Merchant

5967 Direct Marketing – Inbound Teleservices Merchant

5999 Miscellaneous and Specialty Retail Stores

7322 Debt collection

7996 Amusement Parks, Carnivals, Circuses, Fortune Tellers

9223 Bail and Bond Payments

#➡️Get Support

If you would like to integrate with Viva, or if you have any queries about our products and solutions, please see our Contact & Support page to see how we can help!