Pay with EPS Überweisung: Gift, Prepaid Cards & More

Trying to top up your Steam Wallet or buy a Google Play gift card in Austria, but you don’t have a credit card sitting around? EPS (Austrian instant bank transfer) solves that. At Baxity Store, you can buy gift cards, game credits, and crypto vouchers and pay with EPS Überweisung, confirming your purchase directly through your own online banking.

This matters more than it might seem. A large share of Austrian shoppers simply don’t carry a credit card, which is exactly why EPS Online Überweisung has become one of the most requested payment options for digital purchases in Austria — right up there with PayPal and SOFORT. If you’ve ever searched for Steam Guthaben kaufen EPS or keine Kreditkarte Gutschein kaufen, this guide is for you.

We’ll walk through why EPS works so well for buying digital products through a reseller like Baxity Store, exactly what you can buy with it, how the checkout process works step by step, and what to do if a payment doesn’t go through.

Why Pay with EPS at Baxity Store?

EPS is Austria’s own instant bank transfer standard, developed by the country’s major banks specifically for secure online payments. Instead of typing in card numbers, you authorise the payment directly inside your bank’s own login page, the same way you would for any regular bank transfer, just instant.

Baxity Store accepts EPS at checkout, which means you don’t need a credit card, a digital wallet, or a separate account anywhere else. You select your bank, log in, confirm, and your order is on its way.

Here is what makes EPS a practical choice for buying digital products online:

• No credit card required — the payment comes straight out of your bank account, not off a card you may not even have.
• Direct bank-level security — you log in through your own bank’s authentication, not a third-party form.
• Instant confirmation — most EPS Überweisung payments clear in a matter of seconds.
• Wide bank coverage — supported by all major Austrian banks, including Bank Austria, Erste Bank und Sparkassen, Raiffeisen Bankengruppe, BAWAG AG, Volksbanken, bank99, BKS Bank, and Oberbank.
• No extra registration — if you already have Austrian online banking, you already have everything you need.

None of this means other payment methods are worse. It simply means EPS solves a very specific problem well: letting Austrian shoppers pay directly from their bank account for digital products, without needing a card at all.

What Can You Buy with EPS at Baxity Store?

Baxity Store operates as a verified international reseller of digital vouchers, gift cards, and prepaid products, active in more than 100 countries for over a decade. If you’ve been searching for a way to buy a specific platform’s gift card with EPS, here is exactly what is available, brand by brand.

Steam Wallet Credits with EPS

Steam Guthaben kaufen EPS is one of the most searched combinations among Austrian gamers, and it is easy to see why. Steam’s own storefront doesn’t offer EPS as a native checkout option, which is why so many players rely on gift card resellers instead. At Baxity Store, you can buy a Steam gift card and pay with EPS directly, then redeem the code straight into your Steam Wallet.

PlayStation Gift Cards with EPS

Sony’s PlayStation Store checkout has the same gap. A PlayStation Store gift card bought through Baxity Store and paid for with EPS adds funds straight to your PSN wallet, ready to spend on games, subscriptions, or add-ons.

Xbox Gift Cards with EPS

The Microsoft Store faces the same limitation. Buying an Xbox gift card through Baxity Store and paying with EPS lets you top up your account balance for games, Xbox Game Pass, or DLC, all redeemed through your existing Microsoft account.

Google Play Gift Cards with EPS

Android users searching for Google Play Guthaben EPS face the same restriction, since Google Play doesn’t list EPS as a direct billing option in Austria. A Google Play gift card purchased with EPS through Baxity Store covers apps, subscriptions, and in-game purchases across the entire Play Store catalog.

Amazon Gift Cards with EPS

Amazon’s checkout accepts cards and a handful of local methods, but EPS isn’t one of them for most Austrian accounts. Buying an Amazon gift card through Baxity Store and paying with EPS gives you a fixed-value code you can redeem on Amazon.de without ever entering a card number there.

Crypto Vouchers via EPS

Buying cryptocurrency directly usually means registering on an exchange, completing identity verification, and linking a bank account that supports crypto purchases. A Binance voucher purchased through Baxity Store with EPS skips most of that. You pay through your online banking, receive a redeemable code, and top up your Binance balance on your own schedule.

And Much More

Steam, PlayStation, Xbox, Google Play, Amazon, and crypto vouchers are only the most searched examples, not the full picture. The Baxity Store catalog includes App Store & iTunes, Netflix, Spotify, Nintendo eShop, and hundreds of additional gift cards and prepaid products, and every one of them can be paid for with EPS. If the exact brand you need isn’t mentioned here, it is very likely already in the store.

How to Pay with EPS at Baxity Store — Step by Step

The checkout flow mirrors the same online banking login you already use for regular transfers. Here is exactly how it works.

1. Create your free Baxity account. A verified account is required before you can complete any purchase, and it also lets you track every order from your personal dashboard afterward.
2. Browse the Baxity Store catalog and add your chosen gift card, game credit top-up, or crypto voucher to the cart.
3. Proceed to checkout and select ZEN, than EPS as your payment method.
4. On the EPS Online Überweisung page, choose your bank from the dropdown menu, whether that’s Bank Austria, Erste Bank, Raiffeisen, BAWAG, Volksbanken, bank99, BKS Bank, or Oberbank.
5. Click “Fortsetzen” to continue to your bank’s own secure login page.
6. Log in and confirm the payment using your usual online banking credentials.
7. Receive your code by instant digital delivery, ready to redeem right away.

There is just one problem some first-time buyers run into: closing the browser tab before the bank confirmation fully loads. Since EPS Überweisung redirects you to your bank’s own site and back again, it helps to stay on the page until you see the final confirmation screen.

Pricing, Fees, and What You Actually Pay

Pricing transparency is worth spelling out clearly, since it is one of the most common questions we get. The price shown on a Baxity product page is the price of that specific package. If a payment processing fee applies to your chosen method, it is displayed clearly at checkout before you confirm anything, so there are no surprises once the transaction has already gone through.

Here is how EPS compares with other checkout options available at Baxity Store:

Cryptocurrency is also accepted as a payment method at Baxity Store, so EPS users are not the only ones with a card-free option. This flexibility is part of why the platform works well for buyers across such a wide range of countries and banking systems.

Is EPS Safe for Buying Gift Cards?

EPS was developed by Austria’s own banking sector specifically for secure, standardised online payments, which means every transaction is confirmed through your bank’s own login page rather than a third-party checkout form. Your credentials never pass through the merchant’s site at all, since the entire authentication step happens on your bank’s own domain.

The one thing worth watching for is phishing attempts that imitate a bank login page. A legitimate EPS payment, including the one at Baxity Store, always redirects you to your own bank’s official site, with the familiar web address and login layout you already recognise. If a payment page ever looks unfamiliar or asks for more than your usual banking credentials, it’s worth double-checking the address bar before continuing.

What to Do If EPS Is Not Working

Payment failures happen occasionally, and they are rarely caused by the merchant. Common causes include a temporary outage at your bank, an incorrect bank selected from the dropdown menu, a session timeout during the redirect, or scheduled maintenance on your bank’s online banking platform.

If you run into an issue mid-checkout, try these steps before giving up on the purchase:

• Double-check that you selected the correct bank from the EPS dropdown menu before continuing.
• Make sure your online banking login isn’t undergoing scheduled maintenance.
• Avoid closing the browser tab until the redirect back to the checkout page completes.
• Switch to an alternative payment method at checkout, such as a card, digital wallet, or cryptocurrency, all of which are supported at Baxity Store.

Frequently Asked Questions

Does Baxity Store accept EPS?

Yes. EPS is available as a checkout option for gift cards, game credits, and crypto vouchers on Baxity Store.

Can I use EPS to buy a Steam gift card?

Yes. Steam doesn’t accept EPS directly, but you can buy a Steam gift card at Baxity Store, pay with EPS Überweisung, and redeem the code into your Steam Wallet.

Which Austrian banks support EPS?

Most major Austrian banks support EPS, including Bank Austria, Erste Bank und Sparkassen, Raiffeisen Bankengruppe, BAWAG AG, Volksbanken, bank99, BKS Bank, and Oberbank.

Is EPS safe for buying gift cards?

Yes, every EPS transaction is confirmed through your own bank’s official login page, so your credentials never pass through the merchant’s checkout.

Do I need a Baxity account to pay with EPS?

Yes, a verified Baxity account is required to complete any purchase, and it also lets you track your order history from your dashboard.

How long does delivery take after paying with EPS?

Delivery is instant. Once your EPS payment is confirmed, your code is issued digitally and ready to redeem right away.

Are there hidden fees when paying with EPS?

No. The price shown on the product page is the price of the package, and any processing fee is displayed clearly at checkout before you confirm.

Ready to Check Out with EPS?

Whether you’re topping up Steam, PlayStation, or Xbox, buying an Amazon or Google Play gift card, or picking up a crypto voucher, EPS gets you through checkout in seconds without a credit card. Browse the full catalog at Baxity Store, create your free account, and select EPS the next time you’re ready to pay.

Häufig gestellte Fragen

Kann ich Steam Guthaben mit EPS kaufen?

Ja. Steam selbst bietet EPS nicht als direkte Zahlungsmethode an, aber bei Baxity Store können Sie eine Steam-Geschenkkarte kaufen und mit EPS Überweisung bezahlen. Der Code wird sofort digital geliefert und kann direkt in Ihr Steam-Wallet eingelöst werden.

Wie funktioniert die EPS Online Überweisung bei Baxity Store?

Sie wählen EPS als Zahlungsmethode an der Kasse, wählen anschließend Ihre Bank aus einer Liste (z. B. Bank Austria, Erste Bank, Raiffeisen, BAWAG, Volksbanken, bank99, BKS Bank oder Oberbank), loggen sich sicher bei Ihrer Bank ein und bestätigen die Zahlung. Keine Kreditkarte notwendig.

Welche Guthabenkarten kann ich ohne Kreditkarte kaufen?

Bei Baxity Store können Sie ohne Kreditkarte per EPS unter anderem Steam-, PlayStation-, Xbox-, Google Play- und Amazon-Gutscheine kaufen, sowie Krypto-Voucher und weitere digitale Produkte aus dem gesamten Sortiment.

Ist die Zahlung mit EPS sicher?

Ja. EPS wurde von den österreichischen Banken selbst für sichere Online-Zahlungen entwickelt. Die Bestätigung erfolgt direkt über die eigene Banking-Seite, sodass Ihre Zugangsdaten niemals über die Händler-Website laufen.

Wie lange dauert die Lieferung nach der Zahlung mit EPS?

Die Lieferung erfolgt sofort. Sobald Ihre EPS-Zahlung bestätigt ist, wird Ihr Code digital ausgestellt und kann direkt eingelöst werden.