Electronic Payment Standard (EPS) is an e-commerce payment system in Austria. It enables customers to pay for goods using online bank transfers from their bank accounts directly to your account.
For a transaction flow diagram see:
http://apps.cybersource.com/library/documentation/dev_guides/OnlineBankTransfers/EPS_Giropay.pdf
1You display the EPS payment method on your checkout page.
|
|
For logo guidelines see: |
2The customer chooses the EPS payment method.
3The customer chooses the BIC using the widget (optional) or enters their BIC and clicks Pay.
4You request the sale service (apSaleService) and include the corresponding BIC (bankInfo_swiftCode) that the customer chose in 3 and the success, cancel, and failure return URLs for that bank so that the bank can return the customer to your page.
5Cybersource responds with a merchant URL to direct the customer to their online banking page to confirm their payment details.
|
|
If no BIC value is included in the sale service request, the merchant URL returned in the sale service reply directs the customer to a page that includes the EPS bank selection widget. |
6When the payment is successful, the bank directs the customer to the success URL included in the sale service request.
When the payment is canceled, the bank directs the customer to the cancel URL included in the sale service request.
When the payment fails, the bank directs the customer to the failure URL included in the sale service request.
7When a customer is directed to the success URL, you can request the check status service (apCheckStatusService) to retrieve the current status of the payment.
The transaction statuses are:
nAbandoned—the customer did not complete the transaction within 15 minutes.
nFailed—the payment failed. See the reasonCode field for a description.
nPending—the payment was initiated. Do not ship the goods.
nSettled—the payment is complete. You can ship the goods.
If the check status reply is pending, wait 5 minutes before making the check status request again. If there is still no status change, wait 20 minutes before making another check status request. After 20 minutes, the status should be settled, abandoned, or failed.