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eps at a glance.
eps is Austria’s domestic online bank-transfer method: the checkout prepares the payment, the customer authorises it inside their own participating bank’s online banking, and no separate wallet or manual transfer is needed. The profile below shows where the method fits.
- Type
- Online bank-transfer / online-banking redirect payment
- Payment category
- Bank transfer
- Primary market
- Austria
- Currency
- EUR
- Payment approval
- Customer authorisation through participating Austrian online banking
- Best for
- Austrian e-commerce, public services, travel, retail and digital services
What eps is.
eps is an Austrian online payment method that lets customers pay directly through the online banking of their own participating bank. The customer uses a banking relationship and authentication process they already know.
The payment information is prepared within the checkout flow, and the customer is directed to the bank environment to review and authorise the transfer. This avoids the need to manually create a separate bank payment.
For merchants targeting Austria, eps adds a recognised local bank-payment option alongside cards and other international methods.
The customer selects a participating bank and authorises the prepared transfer in online banking.
The whole approval happens inside the customer’s familiar Austrian bank environment.
Where supported by the customer’s bank, authentication can be completed using the bank’s mobile app.
The same prepared payment, approved on the phone with the bank’s own app authentication.
The checkout carries the transaction details into online banking, so the customer only reviews and approves.
No manual IBAN, amount or reference entry — and no separate wallet account to create.
The customer journey.
Five steps from checkout to authorised transfer — all inside the customer’s own Austrian bank.
- 01
Select eps
The customer selects eps at checkout.
- 02
Choose a bank
The customer chooses a participating Austrian bank.
- 03
Into online banking
The customer is directed to the bank’s own online-banking environment.
- 04
Review and authorise
The prepared payment details are reviewed and authorised using the bank’s normal security method.
- 05
Back to the merchant
The customer returns to the merchant or service experience and continues the process.
Market coverage.
eps is focused on Austria and EUR payments. Its value lies in providing a domestic bank-transfer experience to customers with access to participating Austrian online banking.
Where it wins.
Strong fit
- Austrian e-commerce and localised DACH checkout
- Customers who prefer paying through their own online bank
- Government, public administration and regulated-service payments
- Travel, tickets, retail and professional services
- Merchants complementing cards with a recognised Austrian bank method
Additional merchant positives
- Local trust
- Customers complete payment through their familiar Austrian bank environment.
- Prepared payment data
- The checkout carries the transaction details into online banking for customer approval.
- No separate wallet
- Customers use their existing bank access rather than creating another payment account.
- Market localisation
- eps makes an Austria-focused checkout more relevant to domestic customers.