Online Banking

The following payment types are covered in this section: EPS, GIROPAY, SOFORT, IDEAL

Requirements to process Online-Banking transactions:

Processing transactions with a redirect location (see chapter Redirect payment systems)

The following chapters have to be taken into consideration if the specific payment type is used.

EPS

The payment type EPS supports currently two brands: EPS, INTERNATIONAL

The brand EPS is used for eps Online-Banking transactions with Austrian banks. The brand INTERNATIONAL is used for interoperability of eps Online-Banking with giropay Online-Banking and allows to use Austrian banks as well as German banks. The interoperability is is only available with an additional eps agreement.

A payment with the payment type EPS requires the PaymentEPS type.

<SOAP-ENV:Envelope 
  xmlns:SOAP-ENV="http://schemas.xmlsoap.org/soap/envelope/" 
  xmlns:etp="https://www.mpay24.com/soap/etp/1.5/ETP.wsdl"
  xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
  <SOAP-ENV:Header/>
  <SOAP-ENV:Body>
    <etp:AcceptPayment>
      <merchantID>90000</merchantID>
      <tid>12099</tid>
      <pType>EPS</pType>
      <payment xsi:type="etp:PaymentEPS">
        <amount>1000</amount>
        <currency>EUR</currency>
        <brand>INTERNATIONAL</brand>
        <bic>GIBAATWGXXX</bic> //optional
      </payment>
    </etp:AcceptPayment>
  </SOAP-ENV:Body>
</SOAP-ENV:Envelope>

<SOAP-ENV:Envelope 
  xmlns:SOAP-ENV="http://schemas.xmlsoap.org/soap/envelope/" 
  xmlns:etp="https://www.mpay24.com/soap/etp/1.5/ETP.wsdl"
  xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
  <SOAP-ENV:Header/>
  <SOAP-ENV:Body>
    <etp:AcceptPayment>
      <merchantID>90000</merchantID>
      <tid>12099</tid>
      <pType>EPS</pType>
      <payment xsi:type="etp:PaymentEPS">
        <amount>1000</amount>
        <currency>EUR</currency>
        <brand>EPS</brand>
        <bankID>500</bankID>
      </payment>
    </etp:AcceptPayment>
  </SOAP-ENV:Body>
</SOAP-ENV:Envelope>

A specific bank can be preselected by adding the element bankID or bic. The brand INTERNATIONAL supports only the preselection with the BIC. Bank names, BICs and IDs should be referred by the following list.

🚧
Currently only Austrian banks can be preselected.

📘
If bank IDs, BICs or names changes, the merchant system has to be updated.

Bank ID	BIC	Bank name
500	GIBAATWGXXX	Erste Bank und Sparkassen
501	HYPNATWWXXX	HYPO NOE LB für Niederösterreich u. Wien
503	HAABAT2KXXX	Austrian Anadi Bank AG
504	BWFBATW1XXX	Ärzte- und Apothekerbank
511	HYPTAT22XXX	Hypo Tirol Bank AG
512	SPAEAT2SXXX	Bankhaus Carl Spängler & Co.AG
513	BSSWATWWXXX	Schelhammer Capital Bank AG
514	HYPVAT2BXXX	Hypo Vorarlberg Bank AG
515	BAWAATWWXXX	BAWAG AG
516	EASYATW1XXX	Easybank AG
517	SPADATW1XXX	Sparda-Bank Wien
518	VBOEATWWGRA	Volksbanken
519	SCHOATWWXXX	Schoellerbank AG
520	BKAUATWWXXX	Bank Austria
521	EHBBAT2EXXX	HYPO-BANK BURGENLAND Aktiengesellschaft
524	OBKLAT2LXXX	Oberbank AG
525	VKBLAT2LXXX	Volkskreditbank AG
526	BTVAAT22XXX	BTV VIER LÄNDER BANK
527	BFKKAT2KXXX	BKS Bank AG
530	HAABAT22XXX	Hypo Alpe-Adria-Bank International AG
531	RANMAT21XXX	Raiffeisen Bankengruppe Österreich
532	OVLIAT21XXX	Dolomitenbank
534	SPBAATWWXXX	bank99 AG
535	MVOGAT22XXX	Marchfelder Bank
536	VSGKAT2KXXX	Posojilnica Bank eGen
537	OBLAAT2LXXX	HYPO Oberösterreich,Salzburg

Table: eps Online-Banking bank IDs and names

Changes/Mappings:
502 - HYPO NOE Gruppe Bank AG (HYINAT22XXX) -> 501 - HYPO NOE LB für Niederösterreich u. Wien (HYPNATWWXXX)
505 - Apothekerbank (VBOEATWWAPO) -> 504 - Ärzte- und Apothekerbank (BWFBATW1XXX)
506 - Gärtnerbank (GAWIATW1XXX) -> discontinued
507 - Immo-Bank (VOHGATW1XXX) -> discontinued
509 - SPARDA-BANK AUSTRIA Nord (SPDAAT21XXX) -> 517 - Sparda Bank Wien (SPADATW1XXX)
510 - SPARDA-BANK AUSTRIA (SVIEAT21XXX) -> 517 - Sparda Bank Wien (SPADATW1XXX)
522 - Raiffeisen Bankengruppe Österreich (RZTIAT22XXX) -> 531 - Raiffeisen Bankengruppe Österreich (ALPEAT22XXX)
528 - bankdirekt.at AG (RZOOAT2L796) -> 531 - Raiffeisen Bankengruppe Österreich (ALPEAT22XXX)
529 - PRIVAT BANK AG (RZOOAT2L795) -> 531 - Raiffeisen Bankengruppe Österreich (ALPEAT22XXX)
514 - Hypo Landesbank Vorarlberg -> Hypo Vorarlberg Bank AG

508 - VR-Bank Braunau (VRBKAT21XXX) -> discontinued
518 - Volksbank Gruppe (VBOEATWWXXX) -> Volksbanken (VBOEATWWGRA)
534 - Brüll Kallmus Bank AG (SPBAATWWXXX) -> bank99 AG
536 - Posojilnica Bank eGen (VSGKAT2KXXX) -> new bank added

513 - Bankhaus Schelhammer & Schattera AG -> Schelhammer Capital Bank AG
515 - BAWAG P.S.K. AG -> BAWAG AG
523 - HYPO Oberösterreich,Salzburg,Steiermark (OBLAAT2LXXX) -> 537 - HYPO Oberösterreich,Salzburg (OBLAAT2LXXX)
533 - Capital Bank Grawe Gruppe AG -> discontinued

Banks on test:

Bank ID	BIC	Bank name
400	STUZZATWXXX	PSA Bank Group

GIROPAY

A payment with payment type GIROPAY requires the PaymentGIROPAY type.

<SOAP-ENV:Envelope 
  xmlns:SOAP-ENV="http://schemas.xmlsoap.org/soap/envelope/" 
  xmlns:etp="https://www.mpay24.com/soap/etp/1.5/ETP.wsdl"
  xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
  <SOAP-ENV:Header/>
  <SOAP-ENV:Body>
    <etp:AcceptPayment>
      <merchantID>90000</merchantID>
      <tid>12181</tid>
      <pType>GIROPAY</pType>
      <payment xsi:type="etp:PaymentGIROPAY">
        <amount>1000</amount>
        <currency>EUR</currency>
        <bic/>
      </payment>
    </etp:AcceptPayment>
  </SOAP-ENV:Body>
</SOAP-ENV:Envelope>

SOFORT

A payment with payment type SOFORT requires the PaymentSOFORT type.

<SOAP-ENV:Envelope 
  xmlns:SOAP-ENV="http://schemas.xmlsoap.org/soap/envelope/" 
  xmlns:etp="https://www.mpay24.com/soap/etp/1.5/ETP.wsdl"
  xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
  <SOAP-ENV:Header/>
  <SOAP-ENV:Body>
    <etp:AcceptPayment>
      <merchantID>90000</merchantID>
      <tid>12181</tid>
      <pType>SOFORT</pType>
      <payment xsi:type="etp:PaymentSOFORT">
        <amount>1000</amount>
        <currency>EUR</currency>
      </payment>
    </etp:AcceptPayment>
  </SOAP-ENV:Body>
</SOAP-ENV:Envelope>

<SOAP-ENV:Envelope xmlns:SOAP-ENV="http://schemas.xmlsoap.org/soap/envelope/" xmlns:SOAP-ENC="http://schemas.xmlsoap.org/soap/encoding/" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema" xmlns:etp="https://www.mpay24.com/soap/etp/1.5/ETP.wsdl">
   <SOAP-ENV:Header/>
   <SOAP-ENV:Body>
      <etp:AcceptPaymentResponse>
         <status>OK</status>
         <returnCode>REDIRECT</returnCode>
         <mpayTID>2765936</mpayTID>
         <location>https://www.sofort.com/payment/go/7e45d1b165dfaf7942e96748575278febecb243e</location>
      </etp:AcceptPaymentResponse>
   </SOAP-ENV:Body>
</SOAP-ENV:Envelope>

IDEAL

A payment with payment type IDEAL requires the PaymentIDEAL type.
Also the bank needs to be provided within the request.

Banks on production:

Bankname	bank-Parameter
ABN Amro	ABNANL2A
ASN Bank	ASNBNL21
bunq	BUNQNL2A
ING	INGBNL2A
Knab	KNABNL2H
Moneyou	MOYONL21
Rabobank	RABONL2U
RegioBank	RBRBNL21
SNS Bank	SNSBNL2A
Triodos Bank	TRIONL2U
Van Lanschot Bankiers	FVLBNL22

Banks on test:

Bankname	bank-Parameter
ING	INGBNL2A
Rabobank	RABONL2U

<SOAP-ENV:Envelope 
  xmlns:SOAP-ENV="http://schemas.xmlsoap.org/soap/envelope/" 
  xmlns:etp="https://www.mpay24.com/soap/etp/1.5/ETP.wsdl"
  xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
  <SOAP-ENV:Header/>
  <SOAP-ENV:Body>
    <etp:AcceptPayment>
      <merchantID>90000</merchantID>
      <tid>12181</tid>
      <pType>IDEAL</pType>
      <payment xsi:type="etp:PaymentIDEAL">
        <amount>1000</amount>
        <currency>EUR</currency>
        <bank>INGBNL2A</bank>
      </payment>
    </etp:AcceptPayment>
  </SOAP-ENV:Body>
</SOAP-ENV:Envelope>

<?xml version="1.0" encoding="UTF-8"?>
<SOAP-ENV:Envelope xmlns:SOAP-ENV="http://schemas.xmlsoap.org/soap/envelope/" xmlns:SOAP-ENC="http://schemas.xmlsoap.org/soap/encoding/" xmlns:etp="https://www.mpay24.com/soap/etp/1.5/ETP.wsdl" xmlns:xsd="http://www.w3.org/2001/XMLSchema" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
   <SOAP-ENV:Header />
   <SOAP-ENV:Body>
      <etp:AcceptPaymentResponse>
         <status>OK</status>
         <returnCode>REDIRECT</returnCode>
         <mpayTID>4134921</mpayTID>
         <location>https://test.mpay24.com/app/bin/checkout/proxy/0a6d2a44b5e97da6ba890c634633a21f</location>
      </etp:AcceptPaymentResponse>
   </SOAP-ENV:Body>
</SOAP-ENV:Envelope>