> ## Documentation Index
> Fetch the complete documentation index at: https://docs.mangopay.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Giropay

<Warning>
  **Warning – Giropay no longer available after June 30, 2024**

  Giropay’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 <a href="/errors/codes/101101">101101</a> error
  * Refunds will be possible for one year 

  This change affects both the <a href="/api-reference/giropay">new</a> and <a href="/api-reference/web-direct-debit-payins">legacy</a> integrations.

  Our team is ready to assist you with your integration of alternatives like <a href="/guides/payment-methods/klarna">Klarna</a>, <a href="/guides/payment-methods/paypal">PayPal</a>, or <a href="/guides/payment-methods/banking/virtual-iban">virtual IBANs</a> for the German market. Please reach out <a href="https://hub.mangopay.com/" target="_blank">via the Dashboard</a>. 
</Warning>

## About

Giropay is a popular payment method available in Germany that allows users to pay securely by connecting to their bank during checkout.

<table>
  <tbody>
    <tr>
      <th class="header">Region</th>

      <td class="table-content">
        Germany
      </td>
    </tr>

    <tr>
      <th class="header">Currencies</th>

      <td class="table-content">
        EUR
      </td>
    </tr>

    <tr>
      <th class="header">[Refunds](/guides/refunds)</th>

      <td class="table-content">
        Yes
      </td>
    </tr>

    <tr>
      <th class="header">Disputes</th>

      <td class="table-content">
        Users authenticate directly with their bank, so there is no dispute process and a low risk of unrecognized or fraudulent payments
      </td>
    </tr>

    <tr>
      <th class="header">Preauthorization</th>

      <td class="table-content">
        No
      </td>
    </tr>

    <tr>
      <th class="header">Recurring payments</th>

      <td class="table-content">
        No
      </td>
    </tr>
  </tbody>
</table>

## 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 <a href="/webhooks">hook notifications</a> fo the relevant <a href="/webhooks/event-types">relevant types</a>:

* PAYIN\_NORMAL\_SUCCEEDED
* PAYIN\_NORMAL\_FAILED

<Note>
  **Note - Minimum amount**

  The minimum accepted amount for Giropay pay-ins is €1.00 (`100`).

  In Production, pay-ins lower than this amount will fail.
</Note>

For the legacy integration, see [the Web Direct-Debit PayIn object](/api-reference/web-direct-debit-payins/web-direct-debit-payin-object).

## Related resources

<CardGroup col={2}>
  <Card title="Endpoint" href="/api-reference/giropay/giropay-payin-object">
    The Giropay PayIn object
  </Card>

  <Card title="Testing" href="/testing/payment-methods#giropay">
    Learn about testing Giropay
  </Card>
</CardGroup>