giropay for merchants

Your questions answered

Online payment solution

How do I benefit from giropay?

giropay is based on online banking using PIN and TAN, and enables your customers to pay by online transfer. In contrast with conventional advance payment, you don't need to wait to receive the money. With giropay, you receive a payment guarantee straight after the successful transaction, enabling you to process the order immediately and send it quickly. Your account will be credited after no more than one bank working day.

 

How does giropay work?

With giropay, the buyer pays via online banking. Using their existing online banking credentials, the buyer performs the transfer here without prior registration, before being taken back to your shop pages. You receive a payment guarantee immediately after successful transfer. The money is credited to your account one bank working day later.

 

How can I incorporate giropay into my online shop?

Along with a contract that you must sign in order to use giropay in your shop, technical integration is also required. You can conclude the contract with one of our giropay acquirers. Logos and other advertising material for integrating giropay into your online shop can be found in the tool center.

WHAT SORT OF COSTS ARE INCURRED FOR GIROPAY?

You can find out the terms for giropay from our sales partners.

 

HOW MANY BUYERS CAN USE GIROPAY?

giropay supports nearly all banks in Germany. Over 45 million online banking customers in Germany can use giropay. They can use giropay directly and with no additional registration.

 

WHERE CAN CUSTOMERS ALREADY PAY WITH GIROPAY?

Thousands of online shops offer giropay, including Lufthansa, Karstadt, Deutsche Post/DHL and CTS Eventim.

 

HOW DIFFICULT IS TECHNICAL INTEGRATION?

Technical integration of giropay into your online shop is really easy. All relevant payment service providers offer an interface to giropay. Please feel free to ask them directly.

 

What is eps?

eps online transfer is the Austrian equivalent to giropay. It too involves an online transfer that the customer performs in their bank’s secure online banking environment. After a successful eps transaction, as the merchant, you will receive an irrevocable payment guarantee from the buyer's bank – just as with giropay. So you have no risk of non-payment. giropay and eps collaborate across borders.

 

How do giropay and eps collaborate?

To make it easier for you to accept eps and giropay, we have connected the two methods technically. This means that you can also use the eps method through the existing giropay connection and via the same interface, eliminating the work involved in a separate, second integration.

 

I HAVE ALREADY INTEGRATED GIROPAY INTO MY ONLINE SHOP. HOW CAN I INTEGRATE EPS AS A PAYMENT METHOD NOW?

To do this, please contact your giropay acquirer or payment service provider through which you currently handle giropay payments. Their staff will be happy to help you.

 

Online identification

WHAT IS GIROPAY-ID?

With giropay-ID, you can confirm that your customers are over 18 or verify their bank account directly online. This is end-to-end and without media interruption, i.e. the customer performs their verification entirely online without having to register for giropay-ID beforehand. The customer uses their familiar online banking credentials to prove their identity online. You receive the final verification result immediately after the transaction and can clear the customer straight away. Lots of state lotteries already rely on giropay-ID.

 

HOW DOES GIROPAY-ID WORK?

In age or account verification with giropay-ID, your customer is taken from your online shop to the online banking facility of their participating bank via a secure connection. In online banking, your customer performs the corresponding verification using the PIN-TAN method. Once verification is successfully completed, you receive the result immediately. The customer is returned from their bank's online banking facility straight back to your shop.

 

Can I combine giropay-ID with a payment via giropay?

Yes, that is certainly possible. Particularly in the case of age verification, you can also directly link a payment via giropay so that your customer has their age confirmed and - in a positive instance - triggers a guaranteed payment via giropay in a single step. This increases your conversion rate.

 

IS AGE VERIFICATION WITH GIROPAY-ID KJM-COMPLIANT?

Age verification with giropay-ID has received a positive rating from the KJM (German Commission for the Protection of Minors in the Media). Therefore, giropay-ID meets the statutory requirements as per the German Interstate Treaty on the Protection of Minors in the Media.

 

WHAT COSTS ARE INCURRED FOR USE OF GIROPAY-ID?

You can find out the terms for giropay-ID from our sales partner GiroSolution. You can also go straight to the online form that you can use to directly request a contract for giropay-ID.

 

WHAT DO MY CUSTOMERS HAVE TO DO TO BE ABLE TO USE GIROPAY-ID?

giropay-ID is based on online banking with PIN and TAN. All your customers need to use it is an online banking account with a participating bank. No additional registration is required for giropay-ID.

 

WHY DO SOME BANKS OFFER GIROPAY, BUT NOT GIROPAY-ID?

To be able to participate in giropay-ID and make the processes accessible to their customers, banks must fulfil technical and legal requirements in order to meet the high security and data protection requirements of giropay-ID. Banks that already offer giropay but not giropay-ID are expected to follow gradually.

 

WHAT DATA IS MADE AVAILABLE TO ME IN THE EVENT OF AGE VERIFICATION WITH GIROPAY-ID?

giropay-ID provides you with the user's first name and surname as well as the characteristic “Over 18 yes/no”. You do not receive personal user data such as your customer's date of birth.

 

WHAT DATA DOES GIROPAY-ID MAKE AVAILABLE TO ME IN THE EVENT OF ACCOUNT VERIFICATION?

giropay-ID provides you with the account holder's IBAN, BIC, first name and surname.

 

HOW CAN I TECHNICALLY INTEGRATE GIROPAY-ID?

Technical integration of age or account verification with giropay-ID is carried out via our partner GiroSolution.