Your questions answered

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.

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.

Along with a contract that you must sign in order to use giropay in your shop, technical integration is also required. You can do both things directly online: you can sign the contract here. Plug-ins for standard shop software and further technical documentation can be found in the tool centre.

Our sales partner GiroSolution offers you fair and attractive terms for giropay. A clear overview of the prices can be found on Our Fees.

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.

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

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. Alternatively, you can use one of our free plug-ins for standard shop software. They can be found in the tool centre. An API including documentation is also available there.

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.

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.

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.

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.

You can look up the terms of giropay-ID on our Our fees overview page. From there, you can also go straight to the online form that you can use to directly request a contract for 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.

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.

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.

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

Technical integration of age or account verification with giropay-ID is carried out via our partner GiroSolution. A free API is available here. The documentation will help you with integration. You can also find contact details on the website if you need help with integration.