Contents




About eps

General information about eps

In Austria the Payment platform supports online money transfer with the Austrian Electronic Payment Standard (EPS). EPS is an established system for e-commerce payments in Austria offering a payment guarantee to the merchant. The customer can use the familiar and trusted online banking of its own credit institution, just the same as with online banking.

With online banking, the data disclosed in the online transfer is encrypted with SSL (Secure Sockets Layer) to prevent manipulation.

In Austria the online bank transfer with eps is very widespread in E-commerce and thus an interesting addition to the payment mix. Additionally the merchant gets a payment guarantee.

 

Further information can be found on the webpage of eps / STUZZA (www.stuzza.at).


Process flow chart

eps process flow


Payment platform interface

Definitions

Data formats:

Format

Description

a

alphabetical

as

alphabetical with special characters

n

numeric

an

alphanumeric

ans

alphanumeric with special characters

ns

numeric with special characters

bool

boolean expression (true or false)

3

fixed length with 3 digits/characters

..3

variable length with maximum 3 digits/characters

enum

enumeration of allowed values

dttm

ISODateTime (YYYY-MM-DDThh:mm:ss)


Abbreviations:

Abbreviation

Description

CND

condition

M

mandatory

O

optional

C

conditional


Notice: Please note that the names of parameters can be returned in upper or lower case.


Calling the eps interface

To make a payment in Austria with eps online transfer via a Payment platform form, go to the following URL:

 

Notice: For security reasons, Payment platform rejects all payment requests with formatting errors. Therefore please use the correct data type for each parameter.

Notice: An eps connection via iFrame is not possible due to eps regulations and will be prevented technically.

The following table describes the encrypted payment request parameters:

Parameter

Format

CND

Description

MerchantID

ans..30

M

ID of merchant. Additionally this parameter has to be passed in plain language too.

TransID

ans..64

M

TransactionID which should be unique for each payment

RefNr

ans..40

M

Merchant's unique reference number. Only characters a-zA-Z0-9,-_ are allowed.

Amount

n..10

M

Amount in the smallest currency unit (e.g. EUR Cent)

Please contact the helpdesk, if you want to capture amounts < 100 (smallest currency unit).

Currency

a3

M

Currency, three digits DIN / ISO 4217 Only EUR is permissible.

OrderDesc

ans..768

M

Description of purchased goods, unit prices etc.

AccOwner

ans..50

M

Name of account holder

IBAN

ans..34

M

International Bank Account Number for SEPA

BIC

ans..11

M

Bank Identifier Code for SEPA

MAC

an64

M

Hash Message Authentication Code (HMAC) with SHA-256 algorithm

UserData

ans..1024

O

If specified at request, Payment platform forwards the parameter with the payment result to the shop

URLSuccess

ans..256

M

Complete URL which calls up Payment platform if payment has been successful. The URL may be called up only via port 443 This URL may not contain parameters: In order to exchange values between Payment platform and shop, please use the parameter UserData.

URLFailure

ans..256

M

Complete URL which calls up Payment platform if payment has been unsuccessful. The URL may be called up only via port 443 This URL may not contain parameters: In order to exchange values between Payment platform and shop, please use the parameter UserData.

Response

a7

O

Status response sent by Payment platform to URLSuccess and URLFailure, should be encrypted. For this purpose, transmit Response=encrypt parameter.

URLNotify

ans..256

O

Complete URL which Payment platform calls up in order to notify the shop about the payment result. The URL may be called up only via port 443 It may not contain parameters: Use the UserData parameter instead.

ReqID

ans..32

O

To avoid double payments, enter an alphanumeric value which identifies your transaction and may be assigned only once. If the transaction is submitted again with the same ReqID, the payment platform will not carry out the payment, but will just return the status of the original transaction. Please note that the payment platform must have a finalized transaction status for the first initial action. Submissions with identical ReqID for an open status will be processed regularly.

SellingPoint

ans..50

O

Selling point

Service

ans..50

O

Products or service sold

Channel

ans..64

O

Configuration channel of the PPRO contract (account and ContractID are stored in the system). If it exists, it may overwrite channels stored in the system.

Languagea2O2-letter language code (e.g.. de) that should be preferred when presenting payment pages to the consumer

Plain

ans..50

O

A value to be set by the merchant to return some information unencrypted, e.g. the MID

Custom

ans..1024

O

The merchant can submit several values separated by | which are returned unencrypted and separated by &.

Custom=session=123|id=456 will change in the answer to Session=123&id=456

Parameters for online transfers with eps


The following table gives the result parameters which the Payment platform transmits to URLSuccess or URLFailure and URLNotify. If you have specified the Response=encrypt parameter, the following parameters are forwarded Blowfish encrypted to your system:

Parameter

Format

CND

Description

MID

ans..30

M

ID of merchant

PayID

an32

M

ID assigned by Payment platform for the payment, e.g. for referencing in batch files

XID

an32

M

ID for all single transactions (authorisation, capture, credit note) for one payment assigned by Payment platform

TransID

ans..64

M

Merchant transaction number, which must be unique

Status

a..50

M

OK, AUTHORIZED (URLSuccess) or FAILED (URLFailure) and also AUTHORIZE_REQUEST

Description

ans..1024

M

Further details in the event that payment is rejected. Please do not use the Description but the Code parameter for the transaction status analysis!

Code

n8

M

Error code according to Payment platform Response Codes Excel file

RefNr

ans..40

O

Merchant’s unique reference number. Only characters a-zA-Z0-9,-_ are allowed.

UserData

ans..1024

O

If specified at request, Payment platform forwards the parameter with the payment result to the shop

MAC

an64

M

Hash Message Authentication Code (HMAC) with SHA-256 algorithm

AccOwner

ans..50

M

Name of account holder

IBAN

ans..34

M

International Bank Account Number for SEPA

BIC

ans..11

M

Bank Identifier Code for SEPA

PaymentPurpose

ans..26

O

Purpose of payment

PaymentGuarantee

a..12

O

NONE= no payment guarantee,

VALIDATED= customer account valid, but no payment guarantee, FULL= payment guarantee

Notice: This parameter is only returned if the Status=OK.

ErrorText

ans..128

O

Detailed PPRO error message.

Notice: Is returned only if Status=FAILED. Use is possible only in agreement with support.

TransactionID

an..20

O

Unique transaction number from PPRO

Plain

ans..50

O

A value to be set by the merchant to return some information unencrypted, e.g. the MID

Custom

ans..1024

O

The merchant can submit several values separated by | which are returned unencrypted and separated by &.

Custom=session=123|id=456 will change in the answer to Session=123&id=456

Result parameters for URLNotify, URLSuccess and URLFailure in case of eps



Credit with reference

Credits (refunds) are possible via a Server-to-Server connection. Payment platform permits only credits for eps that reference on a capture previously made via Payment platform. The amount of the Credit is limited to the amount of the previous capture.

To carry out a credit with a reference transaction, please use the following URL:

 

Notice: For security reasons, Payment platform rejects all payment requests with formatting errors. Therefore please use the correct data type for each parameter.

The following table describes the encrypted payment request parameters:

Parameter

Format

CND

Description

MerchantID

ans..30

M

ID of merchant. Additionally this parameter has to be passed in plain language too.

PayID

an32

M

ID assigned by Payment platform for the payment to be credited

TransID

ans..64

M

TransactionID which should be unique for each payment

MAC

an64

M

Hash Message Authentication Code (HMAC) with SHA-256 algorithm

Amount

n..10

M

Amount in the smallest currency unit (e.g. EUR Cent)

Please contact the helpdesk, if you want to capture amounts < 100 (smallest currency unit).

Currency

a..3

M

Currency code, three digits DIN / ISO 4217

ReqIDans.32OTo avoid double payments, enter an alphanumeric value which identifies your transaction and may be assigned only once. If the transaction is submitted again with the same ReqID, the payment platform will not carry out the payment, but will just return the status of the original transaction. Please note that the payment platform must have a finalized transaction status for the first initial action. Submissions with identical ReqID for an open status will be processed regularly.

Parameters for credits of eps payments

 

The following table describes the Payment platform response parameters:

Parameter

Format

CND

Description

MID

ans..30

C

ID of merchant

PayID

an32

M

ID assigned by Payment platform for the payment, e.g. for referencing in batch files

XID

an32

M

ID for all single transactions (authorisation, capture, credit note) for one payment assigned by Payment platform

TransID

ans..64

M

Merchant’s transaction number

Status

a..30

M

OK, AUTHORIZE_REQUEST or FAILED

Description

ans..1024

M

Further details in the event that payment is rejected. Please do not use the Description but the Code parameter for the transaction status analysis!

Code

n8

M

Error code according to Payment platform Response Codes Excel file

ErrorText

ans..128

O

Detailed PPRO error message

Notice: Is returned only if Status=FAILED. Use is possible only in agreement with support.

Result parameters for credits of eps payments


Batch processing via the interface

Basic information about using Batch files and about their structure can be found in the Batch Manager manual. Within batch processing not alle functions are available which are usually available for the online interface.

This section describes the parameters which must be transferred with the data set (Record) for executing an eps credit and which information can be found within the response file about the payment status.

Following table gives an overview of all batch versions that are possible for a specific action an their specialities:

Action

Version

Description

Credit

1.0 / 2.0

Standard version without return of parameter Code

 

1.x / 2.x

with RefNr (valid for all versions other than 1.0)

Description of the possible batch versions


The structure for an eps credit within a Batch file to be submitted is the following:

HEAD,<MerchantID>,<Date>,<Version>

EPS,Credit,<PayID>,<TransID>,(<RefNr>),<Amount>,<Currency>

FOOT,<CountRecords>,<SumAmount>


Example for Master MID Funktion:

HEAD,[Master]MerchantID,Date,2.x
Type,Action,[Slave]MID,Amount,Currency,TransID,Data (depends on Action)
FOOT,CountRecords,SumAmount


The following table describes the individual fields and values used within the data set (record) in the batch file:

Parameter

Format

CND

Description

Type

a..11

M

HEAD for Header, FOOT for Footer, EPS for direct eps

Action

a..20

M

The parameter Action defines the type of transaction: Credit

Amount

n..10

M

Amount in the smallest currency unit (e.g. EUR Cent)

Please contact the helpdesk, if you want to capture amounts < 100 (smallest currency unit).

Currency

a3

M

Currency code, three digits DIN / ISO 4217

TransID

ans..64

M

TransactionID which should be unique for each payment

RefNr

ans..40

O

Merchant's unique reference number. Only characters a-zA-Z0-9,-_ are allowed.

PayID

an32

M

ID for this transaction given by Payment platform

Description of fields within the record for Batch files

 

The record area within the response file for Batch transactions looks the following way:

HEAD,<MerchantID>,<Date>,<Version>

EPS,Credit,<PayID>,<TransID>,(<RefNr>),<Amount>,<Currency>,<Status>,<Code>

FOOT,<CountRecords>,<SumAmount>

 

The following table describes the response parameters which the Batch Manager saves in the Record area for each transaction (standard parameters not explained here, such as <TransID> or <RefNR> and request parameters are returned unchanged and correspond to the call as specified before):

Parameter

Format

CND

Description

Action

a..20

M

The parameter Action defines the type of transaction: Credit

PayID

an32

M

ID for this transaction given by Payment platform

Status

a..50

M

OK or FAILED

Code

n8

M

Error code according to Payment platform Response Codes Excel file

Description of result parameters within the record for Batch files

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