EPS

EPS (Electronic Payment Standard) is Austria's national online banking payment scheme, supported by all major Austrian banks and mandated by many Austrian merchants as the preferred checkout option. Customers pay directly from their bank account through a redirect to their bank's secure online banking portal. Payments are final on confirmation.

AvailabilityAskCopy

Payment flowAskCopy

Creating an EPS paymentAskCopy

import { Vinr } from '@vinr/sdk';

const vinr = new Vinr({ secretKey: process.env.VINR_SECRET_KEY });

const payment = await vinr.payments.create({
  amount: 3990,              // €39.90 in minor units
  currency: 'EUR',
  description: 'Order #1187',
  methods: ['eps'],
  returnUrl: 'https://yoursite.com/payment/complete',
  metadata: { orderId: '1187' },
});

// Redirect the customer to payment.checkoutUrl

Fulfill from the webhook:

// POST /webhooks/vinr
const event = vinr.webhooks.verify(rawBody, req.headers['x-vinr-signature']);

if (event.type === 'payment.completed') {
  const payment = event.data;
  // payment.method → "eps"
  await fulfillOrder(payment.metadata.orderId);
}

Settlement & timingAskCopy

EPS payments are confirmed within seconds and captured in full at the moment of bank approval. The amount lands in your balance immediately and follows your normal settlement schedule.

RefundsAskCopy

Refunds are returned to the customer's originating Austrian bank account, typically within one to three business days.

const refund = await vinr.refunds.create({
  payment: 'pay_...',
  amount: 3990,   // full refund; omit amount for full
  reason: 'requested_by_customer',
});

Because EPS payments are final, there are no chargebacks. A refund is the only way to return funds after the payment completes.

TestingAskCopy

In the VINR sandbox, EPS redirects open a VINR test page where you choose Approve or Fail instead of a real bank portal. No Austrian bank account is required for testing.

LimitationsAskCopy

• EUR only. EPS cannot process amounts in any other currency.
• Austria only. The method only appears for customers with an Austrian EPS-enabled bank account; presenting it outside Austria returns method_not_available.
• No manual capture. EPS captures in full at confirmation.

See alsoAskCopy