EPS payments

EPS is an Austria-based payment method that allows customers to complete transactions online using their bank credentials. EPS is supported by all Austrian banks and is accepted by over 80% of Austrian online retailers.

EPS redirects customers to their bank’s website to authenticate a payment and there is immediate notification about the success or failure of a payment.

Payment flow

Customer selects EPS at checkout

Customer is redirected to EPS and chooses bank

Customer enters account credentials

Customer completes authorization process (with scanner or SMS)

Customer is notified that payment is complete

(Optional) Customer returns back to business’s site for payment confirmation

Get started

We recommend you use Checkout or the Payment Element so you can automatically add EPS and other payment methods from the Stripe Dashboard, without changing your code. Stripe then determines the list of supported payment methods to show each customer by evaluating the currency, payment method restrictions, and other parameters.

The following Stripe products also support adding EPS from the Dashboard:

• Invoicing
• Payment Links

If your integration requires manually listing payment methods, learn how to manually configure EPS as a payment.

Disputed payments

The risk of fraud or unrecognized payments is low because the customer must authenticate the payment with their bank. As a result, you won’t have disputes that turn into chargebacks, with funds withdrawn from your Stripe account.

Refunds

EPS payments can be refunded up to 180 days after the original payment date.