Warning – Giropay no longer available after June 30, 2024Giropay’s operator Paydirekt has decided to cease the payment method’s services at the end of June, without providing a direct alternative. This decision by Paydirekt impacts the entire industry and is beyond our control.Effective July 1, 2024: 
  • Pay-ins will fail with the 101101 error
  • Refunds will be possible for one year 
This change affects both the new and legacy integrations.Our team is ready to assist you with your integration of alternatives like Klarna, PayPal, or virtual IBANs for the German market. Please reach out via the Dashboard. 

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About

Giropay is a popular payment method available in Germany that allows users to pay securely by connecting to their bank during checkout.
RegionGermany
CurrenciesEUR
RefundsYes
DisputesUsers authenticate directly with their bank, so there is no dispute process and a low risk of unrecognized or fraudulent payments
PreauthorizationNo
Recurring paymentsNo

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How it works

  • On your app or website, the user selects Giropay as the payment method during checkout.
  • The user is redirected to the Giropay payment page RedirectURL where they enter their bank identifier code (BIC).
  • The user logs in to their banking interface.
  • The user chooses between using a QR code or entering a transaction authentication number (TAN).
  • After authentication, the user chooses which bank account to debit.
The transaction is complete when the pay-in status changes from CREATED to SUCCEEDED or FAILED, indicating the outcome. You should also set up hook notifications fo the relevant relevant types:
  • PAYIN_NORMAL_SUCCEEDED
  • PAYIN_NORMAL_FAILED
Note - Minimum amountThe minimum accepted amount for Giropay pay-ins is €1.00 (100).In Production, pay-ins lower than this amount will fail.
For the legacy integration, see the Web Direct-Debit PayIn object.

Endpoint

The Giropay PayIn object

Testing

Learn about testing Giropay