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Unzer

Accept EPS with server-side-only integration

Build your own payment form to add EPS payment to your checkout page.

Overview

EPS payment method doesn’t require any input from the customer on the merchant website. Optionally you can include a bank selection control for the customer to pre-select their bank when making the payment. You can see an example of EPS bank selection component on our demo page.

Before you begin

Step 1: Create a Payment Type resource
server side

Data for the EPS payment:

Payment data Description
bic [optional] The BIC of the bank selected by the customer

Banks supported by EPS:

Bank name BIC code
Production banks
Erste Bank und Sparkassen GIBAATWGXXX
HYPO NOE LB für Niederösterreich u. Wien HYPNATWWXXX
Austrian Anadi Bank AG HAABAT2KXXX
Ärzte- und Apothekerbank BWFBATW1XXX
VR-Bank Braunau VRBKAT21XXX
Hypo Tirol Bank AG HYPTAT22XXX
Bankhaus Carl Spängler & Co.AG SPAEAT2SXXX
Bankhaus Schelhammer & Schattera AG BSSWATWWXXX
Hypo Vorarlberg Bank AG HYPVAT2BXXX
BAWAG P.S.K. AG BAWAATWWXXX
Easybank AG EASYATW1XXX
Sparda-Bank Wien SPADATW1XXX
Volksbank Gruppe VBOEATWWXXX
Schoellerbank AG SCHOATWWXXX
Bank Austria BKAUATWWXXX
HYPO-BANK BURGENLAND Aktiengesellschaft EHBBAT2EXXX
HYPO Oberösterreich,Salzburg,Steiermark OBLAAT2LXXX
Oberbank AG OBKLAT2LXXX
Volkskreditbank AG VKBLAT2LXXX
BTV VIER LÄNDER BANK BTVAAT22XXX
BKS Bank AG BFKKAT2KXXX
Hypo Alpe-Adria-Bank International AG HAABAT22XXX
Raiffeisen Bankengruppe Österreich RANMAT21XXX
Dolomitenbank OVLIAT21XXX
Capital Bank Grawe Gruppe AG RSBUAT2KXXX
Brüll Kallmus Bank AG SPBAATWWXXX
Marchfelder Bank MVOGAT22XXX
Sandbox bank
Stuzza STZZATWWXXX

When creating the payment type EPS, you need to send a request to the Unzer API. The response contains an id , this is later referred to as typeId. You require this typeId to perform the transaction. As mentioned previously, bic is optional.


POST https://api.unzer.com/v1/types/eps

{
  "bic":"STZZATWWXXX"
}

// get the BIC from your payment form.
$unzer = new Unzer('s-priv-xxxxxxxxxx', SupportedLocale::GERMAN_GERMAN);
$eps = $unzer->createPaymentType((new EPS())->setBic($bic));

// get the BIC from your payment form.
Unzer unzerInstance = new Unzer("s-priv-xxxxxxxxxx");
EPS eps = unzerInstance.createPaymentType(new EPS(bic));

The response looks similar to the following example:


{
  "id": "s-eps-9rxdhskuhnea",
  "method": "EPS",
  "recurring": false,
  "geoLocation": {
    "clientIp": "127.0.0.1",
    "countryCode": "DE"
  },
  "bic": "STZZATWWXXX"
}

For a full description of EPS payment type creation, check API reference.

Step 2: Make a payment
server side

Make a charge transaction

Now, make a charge transaction with the EPS typeId that you created and the returnUrl leading back to your shop after the payment is finished on the external page. With the charge transaction an amount is requested but is not yet transferred. Initially the transaction will be pending and a payment resource is created.


POST https://api.unzer.com/v1/payments/charges
   
Body:
{
  "amount" : "20",
  "currency": "EUR",
  "returnUrl": "https://www.my-shop-url.de/returnhandler",
  "resources" : {
    "typeId" : "s-eps-jldsmlmiprwe"
  }
}
$unzer = new Unzer('s-priv-xxxxxxxxxx');
$eps = $unzer->fetchPaymentType('s-eps-0ajzmaxcuvhc');
$charge = $eps->charge(20.0, 'EUR', 'https://www.my-shop-url.de/returnhandler');

Unzer unzer = new Unzer("s-priv-xxxxxxxxxx");
Charge charge = unzer.charge(BigDecimal.ONE, Currency.getInstance("EUR"), "s-eps-0ajzmaxcuvhc", new URL("https://www.my-shop-url.de/returnhandler"));

The response looks similar to the following example:

{
    "id": "s-chg-1",
    "isSuccess": false,
    "isPending": true,
    "isError": false,
    "redirectUrl": "https://payment.unzer.com/v1/redirect/eps/s-sGYdGywWpxzW",
    "message": {
        "code": "COR.000.100.112",
        "merchant": "Request successfully processed in 'Merchant in Connector Test Mode'",
        "customer": "Your payments have been successfully processed in sandbox mode."
    },
    "amount": "20.0000",
    "currency": "EUR",
    "returnUrl": "https://www.my-shop-url.de/returnhandler",
    "date": "2021-05-10 00:51:03",
    "resources": {
        "paymentId": "s-pay-131937",
        "traceId": "70ddf3152a798c554d9751a6d77812ae",
        "typeId": "s-eps-jldsmlmiprwe"
    },
    "paymentReference": "",
    "processing": {
        "uniqueId": "31HA07BC8157BD2BC04D483EFA914465",
        "shortId": "4845.3426.1987",
        "traceId": "70ddf3152a798c554d9751a6d77812ae"
    }
}

For a full description of the charge transaction, refer to the relevant server-side integration documentation page: Charge a payment (direct API calls), Charge a payment (PHP SDK), Charge a payment (Java SDK).

Forward the customer to the external payment page

After you charge the EPS resource, implement the following flow:

  1. Forward the customer to the redirectUrl returned in the response to your charge request.
  2. The customer is forwarded to the EPS payment page.
  3. After a successful payment or abort on the EPS page, the customer is redirected to the returnURL specified in the initial charge call.

Step 3: Check status of the payment
server side

Once the customer is redirected to the returnUrl, you can fetch the payment details from the API, by using the resources.paymentId from the charge response above to handle the payment according to its status. If the status of the payment is completed , the payment process has been finished successfully and can be considered as paid. Check all possible payment states here.

GET https://api.unzer.com/v1/payments/{payment_ID}

{
    "id": "s-pay-131937",
    "state": {
        "id": 1,
        "name": "completed"
    },
    "amount": {
        "total": "20.0000",
        "charged": "20.0000",
        "canceled": "0.0000",
        "remaining": "0.0000"
    },
    "currency": "EUR",
    "orderId": "",
    "invoiceId": "",
    "resources": {
        "customerId": "",
        "paymentId": "s-pay-131937",
        "basketId": "",
        "metadataId": "",
        "payPageId": "",
        "traceId": "70ddf3152a798c554d9751a6d77812ae",
        "typeId": "s-eps-grpucjmy5zrk"
    },
    "transactions": [
        {
            "date": "2021-05-10 00:51:03",
            "type": "charge",
            "status": "success",
            "url": "https://api.unzer.com/v1/payments/s-pay-131937/charges/s-chg-1",
            "amount": "20.0000"
        }
    ]
}

Step 4: Display the payment result
client side

Use the information from the Check status of the payment step to show payment result to your customer.
This can be the success or error page of your shop. If something went wrong you can use the client message from the API response and show it to the customer.

Manage payment
server side

For more details on managing EPS payments, see Manage EPS payments.

Notifications

We recommend subscribing to the payment event to receive notifications about any changes to the payment resource. As soon as the event is triggered you should fetch the payment and update the order status in your shop according to its status.

  {
    "event":"payment.pending",
    "publicKey":"s-pub-xxxxxxxxxx",
    "retrieveUrl":"https://api.unzer.com/v1/payments/s-pay-774",
    "paymentId":"s-pay-774"
  }

For more details on implementing webhooks to receive notifications, see Notifications page.

Error handling

All requests to the API can result in an error that should be handled. Refer to the Error handling guide to learn more about Unzer API (and other) errors and handling them.

Test & go live

You should always test your integration before going live. First perform test transactions using test data. Next, check against Integration checklist and Go-live checklist to make sure the integration is complete and you’re ready to go live.

See also