EPS: Austria's real-time bank transfer (a2a)
Austrian bank-transfer standard.
How the EPS flow works
EPS is a real-time bank transfer (a2a) available in Austria. Full public profile pending — contact us to prioritise this method.
Typical use cases
- Merchants selling to consumers in Austria.
Consumer reach
Available to consumers in Austria.
Who should accept EPS
- Merchants targeting the Austria market.
Operational detail
The operational half of every method profile — settlement, refunds, disputes, PSP coverage and licensing — is reserved for Payment Methods List founding partners. It's the part vendor sites won't publish and the part that actually decides whether EPS works for your stack.
Settlement time
How fast EPS funds land after the payer confirms, behaviour outside scheme hours, whether the rail settles gross or net, and the realistic T+n to sweep to USD/EUR — plus the PSPs where the advertised timeline actually holds in Austria.
Book a founding-partner call →Refund mechanics
How EPS refunds are executed end-to-end when the rail has no scheme-level reversal — payer-initiated pulls, credit transfers, or PSP-fronted refunds — plus partial-refund support, time limits, and the API surface each PSP exposes.
Book a founding-partner call →Chargeback exposure
Whether EPS has any dispute construct at all, which recall/return/indemnity vectors actually exist on the rail, how consumer-protection rules in Austria route claims back to merchants, and observed loss rates versus cards.
Book a founding-partner call →PSP coverage matrix
Which acquirers and aggregators run direct rail connections to EPS vs. reselling a partner, coverage depth and reliability, effective pricing bands, and who to pick when Austria volume is your primary use case.
Book a founding-partner call →KYC & licensing notes
Requirements to accept EPS — local entity vs. cross-border MoR, licensing regime governing the rail in Austria, KYC obligations at onboarding and per-transaction, and FX/reporting rules for foreign merchants.
Book a founding-partner call →