Integration · Payments
With the EPS integration, your clients pay invoices from Armiflow directly in the online banking of their Austrian bank. EPS runs via a payment provider such as Stripe or Klarna; Armiflow itself is not a payment provider.
Austrian online bankingVia Stripe or KlarnaPart of Invoicing & dunningThe app shows the scope
EPS bank transferPayments+
EPS payment receivedExample · via StripeEPS bank transfer is an Austrian method in which clients confirm a payment in their bank’s online banking. With the EPS integration, Armiflow offers EPS as a payment method for invoices in the Invoicing & dunning feature, via a payment provider such as Stripe or Klarna. Whether EPS is available depends on the payment methods enabled in your account with the provider.
Benefits
Invoices from Armiflow are checked under § 11 of the Austrian VAT Act (RIS), as required for businesses in Austria. With EPS, your client pays them in the online banking of their own bank, using the credentials they already use there.
Many clients in Austria prefer to pay by bank transfer rather than by card. A classic bank transfer has drawbacks, though: IBAN and payment reference are copied by hand, typos happen, and the payment sometimes sits for days. With EPS, recipient and amount are prepared, and the client only confirms at their bank. That suits an Armiflow account with a focus on Austria.
Behind EPS is a payment provider such as Stripe or Klarna, with which you hold your own account. There you enable EPS as a payment method and manage fees and payouts. Armiflow links the invoice to this provider and shows you the status. You can see the exact scope in the app during setup.
At a glance
The key facts about the EPS integration in Armiflow, in short.
| Item | Details |
|---|---|
| Tool | EPS bank transfer |
| Category | Payments |
| Used in Armiflow | Invoicing & dunning |
| What Armiflow does with it | Offer EPS bank transfer for invoices via Stripe or Klarna. |
| Status | Available |
| Credentials | Stored encrypted, roles and 2FA for your team |
| Approval | Customer emails and actions involving money only after your confirmation |
In 4 steps
You use an account with a provider such as Stripe or Klarna through which EPS runs.
You connect the provider to Armiflow, and credentials are stored encrypted.
In Invoicing & dunning, EPS is available once it is active with the provider.
You pay a small test invoice via EPS and check the status.
Working together
Security & data protection
Encrypted credentials. Whatever you store for EPS bank transfer in Armiflow is encrypted. Every customer account has its own database schema and daily backups.
Team roles. With roles and two-factor sign-in you decide who on your team may use or change the EPS bank transfer connection.
Your approval counts. Customer emails only go out after you approve them, and actions involving customers, money or deletion wait for your confirmation in the chat.
GDPR covered. Access and erasure under Art. 15 and 17, consent per channel and the public-authority filter apply to all data in Armiflow.
FAQ
Short, clear answers about this feature. Missing a question? Write to support@armiflow.com.
The EPS integration lets your clients pay invoices from Armiflow in the online banking of their Austrian bank. Recipient and amount are prepared, and the client only confirms at their bank. EPS runs via a payment provider such as Stripe or Klarna and, in Armiflow, is part of Invoicing & dunning.
EPS is a method for online bank transfers backed by Austrian banks. With it, clients sign in to their usual online banking and confirm a prepared payment. Many people in Austria know EPS from shopping online. With the EPS integration, it becomes a familiar way to pay invoices from Armiflow.
You need a payment provider such as Stripe or Klarna with which EPS is available and enabled as a payment method. Armiflow itself is not a payment provider and does not receive any money. The provider processes the EPS payment, and Armiflow links the invoice to your account there. The app shows the details.
To connect EPS bank transfer, first connect your payment provider to Armiflow; the credentials are stored encrypted. Then check with the provider whether EPS is active. From then on, EPS is available for invoices. Test the process with a small invoice and your own online banking before offering it to clients.
Because with EPS, nothing has to be copied by hand. Recipient, amount and payment reference are prepared, which avoids typos and incorrectly matched payments. The client settles the invoice right when reading it instead of putting it off. A normal bank transfer remains possible alongside it; the EPS integration is an additional option.
EPS is supported by many Austrian banks, but the exact list is set by the banks and your payment provider, not by Armiflow. If in doubt, check with the provider which banks currently take part. For clients without a suitable bank, other options such as card or classic bank transfer remain available.
For smaller businesses, self-employed people and managing directors who pay via online banking themselves, yes. At larger companies with their own approval process in accounting, payment usually works differently. The EPS integration is particularly worthwhile if many of your clients are based in Austria and like to pay by bank transfer.
Both run via the client’s online banking. EPS is the Austrian banks’ own method and is offered in Armiflow via a provider such as Stripe or Klarna. Sofort is a Klarna method and is listed in Armiflow as a separate entry. Many Austrian clients know both, and which one they choose is often a matter of habit.
No. Armiflow checks the invoice under § 11 UStG, the Austrian VAT Act, assigns gapless numbers, takes tax rates, small business rules and reverse charge into account, and relies on cancellation instead of editing. The EPS integration only affects the way your client pays, not the content or numbering of the invoice.
No. With EPS, your client signs in to the online banking of their own bank, and this data does not go to Armiflow. Armiflow only stores the encrypted credentials for your payment provider. Your invoice and client data is kept in a separate database schema, with two-factor authentication and daily backups.
You send the checked invoice from Armiflow to your client. They choose EPS, sign in to their bank and confirm the prepared payment. The money reaches you via your payment provider, and you track the status in Armiflow. If anything remains unpaid, the dunning process takes over.
Clarify whether EPS is enabled in your Stripe or Klarna account, which terms apply and to which bank account payouts go. Decide who in the team looks after the access. Then test the EPS integration with a small invoice via your own online banking.
Often EPS is not enabled with the payment provider, or the launch happens without a test of your own. Sometimes clients are surprised because the invoice does not explain that EPS is an additional option. A short note and a test run in advance prevent most questions about the EPS integration.
Usually accounting or management, meaning the people who check incoming payments anyway. In Armiflow, roles and custom roles determine who sees invoices and edits credentials. Armiflow AI always asks for your confirmation for actions involving money. This keeps payment transactions traceable.
With EPS, your payment provider and the client’s bank process the payment data. Name the provider in your privacy policy and describe the purpose, namely processing the payment. For data in Armiflow, access and erasure requests under GDPR Art. 15 and 17 are provided for.
Armiflow’s bookkeeping exports for BMD NTCS and Online, RZL, DATEV and CSV based on the Austrian standard chart of accounts. If you use Stripe as your provider, the AI reads Stripe statements from PDFs. The app shows what is included with other providers. Agree the process with your tax adviser.
Yes, provided EPS is available in your Klarna account. Armiflow offers EPS via a payment provider such as Stripe or Klarna. So if you want to connect EPS to Armiflow, you do not need a separate EPS contract in Armiflow, but the right provider. The app shows the details.
Not really, because EPS is an Austrian method. For clients in Germany or Switzerland, other options are often more suitable, such as card, SEPA direct debit via Stripe or Sofort bank transfer. Your payment provider determines which methods are available for which countries. In Armiflow, the invoice currency can be selected.
Read on
Compliant with § 11 UStG, payment via Stripe.
Learn more →
Get invoices paid by card, SEPA or payment link.
Learn more →
Let clients pay Armiflow invoices online via Klarna.
Learn more →
Invoices paid by Sofort bank transfer via online banking.
Learn more →
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