Online Banking

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

Requirements to process Online-Banking transactions:

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>EPS</brand>
        <bankID>500</bankID>
      </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>INTERNATIONAL</brand>
        <bic>GIBAATWGXXX</bic>
      </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 IDBICBank name
500GIBAATWGXXXErste Bank und Sparkassen
501HYPNATWWXXXHYPO NOE LB für Niederösterreich u. Wien
503HAABAT2KXXXAustrian Anadi Bank AG
504BWFBATW1XXXÄrzte- und Apothekerbank
511HYPTAT22XXXHypo Tirol Bank AG
512SPAEAT2SXXXBankhaus Carl Spängler & Co.AG
513BSSWATWWXXXBankhaus Schelhammer & Schattera AG
514HYPVAT2BXXXHypo Vorarlberg Bank AG
515BAWAATWWXXXBAWAG P.S.K. AG
516EASYATW1XXXEasybank AG
517SPADATW1XXXSparda-Bank Wien
518VBOEATWWGRAVolksbanken
519SCHOATWWXXXSchoellerbank AG
520BKAUATWWXXXBank Austria
521EHBBAT2EXXXHYPO-BANK BURGENLAND Aktiengesellschaft
523OBLAAT2LXXXHYPO Oberösterreich,Salzburg,Steiermark
524OBKLAT2LXXXOberbank AG
525VKBLAT2LXXXVolkskreditbank AG
526BTVAAT22XXXBTV VIER LÄNDER BANK
527BFKKAT2KXXXBKS Bank AG
530HAABAT22XXXHypo Alpe-Adria-Bank International AG
531RANMAT21XXXRaiffeisen Bankengruppe Österreich
532OVLIAT21XXXDolomitenbank
533RSBUAT2KXXXCapital Bank Grawe Gruppe AG
534SPBAATWWXXXbank99 AG
535MVOGAT22XXXMarchfelder Bank
536VSGKAT2KXXXPosojilnica Bank eGen

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

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>