giropay – Innovative solutions for e-commerce

giropay was founded in 2005 by Postbank, the German Savings Banks Finance Group (Star Finanz GmbH) and the German Cooperative Financial Services Network (Fiducia & GAD IT AG). Based on online banking, the payment has become firmly established in the German e-commerce and e-government market. Prestigious companies such as Lufthansa, CTS Eventim and Deutsche Post/DHL offer payment via giropay|giropay.

Over 1,500 city councils, municipalities and authorities put their trust in the giropay method.

giropay has convinced customers, too: for online payments, they simply use their online banking access data – without prior registration.


From 2021, German banks will be gradually merging their payment methods. Consequently, giropay, paydirekt and Kwitt will become a single brand – the new giropay. Under the umbrella of paydirekt GmbH, the new giropay provides lots of extra advantages for customers, as they now have more payment options in even more online shops:

They can use the giropay method and pay by online transfer with their online banking access data (PIN and TAN), or they can choose the paydirekt method and pay with their username and password, PIN or biometric methods.

With “giropay Geld-Senden”, based on the established Kwitt, customers can additionally send money to family or friends, or request it from them, in just a few clicks.

By bundling the payment methods under a single brand, the banks are strengthening their current account-based digital payment services, gearing payment even more towards current accounts.

Borderless payment with giropay

E-commerce knows no boundaries. That is why giropay enters into collaborations with other national online transfer methods at European level. This allows cross-border payments. In 2014, giropay and Austria-based eps Online-Überweisung implemented the interoperability of the two payment systems so that online shops can use both methods via a single interface. Together, the two systems have a potential user base of over 50 million.


Companies like Austrian Federal Railways (ÖBB) and the toll operator ASFINAG use the common interface for integration of giropay and eps.


Online verification with giropay-ID

giropay ID is the umbrella brand for online verification services based on online banking. Two products that benefit customers and providers alike are available: online account verification and KJM-compliant online age verification. With giropay ID, the participating banks notify the online shop that the customer is 18 or over and confirms their bank details: in real time and without media disruption.


giropay ID is free to customers and works without extra logging in or registration. Customers use their familiar online banking credentials PIN and TAN. Online shops receive the verification result instantly with giropay ID, allowing them to carry out their processes end-to-end online – without involving further third-party providers.


giropay is committed to maximum security

The high data and security standards of the German banking industry apply to giropay.


Maximum security is embedded in giropay's DNA. All online transfers and age or account verifications are performed via the secure online banking facility of the respective bank. This guarantees that sensitive data (PIN/TAN) is exchanged between the customer and the bank only. No third party can view personal account and transaction information. Growing numbers of banks also offer customers TAN-free payment. TAN entry can be waived for amounts up to EUR 30. This simplifies and speeds up the payment process without compromising on security.


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