EPS
国家/地区: 奥地利 (AT) | 底层清算轨道: bank_clearing
OnlineBanking
市场普及率: 30%
EPS 是奥地利银行业与联邦政府联合推出的国家级在线网银支付标准，以全行覆盖的即时重定向结算和无卡欺诈风险为核心，广泛用于奥地利电商购物、公共事业缴费及政府电子政务付费。
🔄 用户付款交互流 (User Flow)
- Customer selects EPS at checkout and picks their Austrian bank from the list
- Customer is redirected to their bank secure online banking login page
- Customer authenticates and confirms payment using TAN code, biometric app, or SMS OTP
- Bank verifies funds and provides immediate irrevocable payment confirmation to the merchant
- Customer is redirected back to the merchant order completion page
⚙️ 支付与结算特征
| 即时清算 | YES |
| 扫码支付 (QR) | YES |
| 订阅自动代扣 | NO |
| 退款支持 | YES |
🛠️ 商户端标准集成步骤 (Merchant Integration)
- Merchant initiates transaction via PSP (Stripe, Adyen, Mollie, Checkout.com)
- PSP generates EPS bank selection redirect interface
- PSP captures real-time synchronous clearing webhook from Austrian banking network
🚀 支持集成该渠道的主流收单服务商 (Supported PSPs)
🔌 Stripe🔌 Adyen