Germany’s primary online payment method for bank clients

With a focus on safety and convenience, giropay represents Germany’s primary online payment method for bank clients. With each giropay purchase, the funds are instantly transferred from the consumer’s bank account and the merchant receives their funds. With a market size of over 82 million people, giropay represents a significant portion of Germany’s online payment traffic. Giropay is supported by more than 1,500 German banks and is a popular acceptance method for merchants, because it gives their German customers a quick, easy to use and secure online method to pay for goods and services via their own bank account.

With giropay merchants are guaranteed their funds and they will greatly benefit from not having to deal with chargebacks or reserves. In addition, giropay is an excellent alternative payment method that can be offered to those consumers that do not have or desire to use a credit card online. Consumers feel comfortable and secure because their payment is facilitated by their own bank. Furthermore, a giropay transaction is free of charge for the consumer, and their transaction history and payment details can be viewed in their own banking reports.

Consumers do not have to sign up for the service, they simply need to have a bank account and select the giropay method upon checkout. The consumer then selects their own bank and logs into their account. A pre-filled form with the purchase data is then presented for authorization and the consumer enters a single-use PIN or TAN that is presented to them via email, sms or voice by their own bank. Upon completion the merchant is then in real-time informed of the authorization. Take advantage of this no risk, guaranteed funds payment service and sign up today!

How giropay Works

Product Description

Online Bank Transfer

Product Process

Upon purchase, the consumer logs into their own online bank and authorizes the payment. The funds are then directly debited from their bank account in real-time and the merchant will receive an immediate payment confirmation.

Product Sheet


Countries Supported


Merchant advantages

Enter markets with low credit card coverage
Lower risk of returns
Payment option familiar to the consumer
Trusted buying process
Increase sales
Accept more than just credit cards

Consumer advantages

Trusted payment method
No credit or debit card needed
Convenient, reliable, simple and secure
Access to more products and services
Language and currency localization
Simplified shopping experience

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There are a lot more payments options customers from all over the world
feel more comfortable to use and trust much more than credit cards.

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