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About Giropay

Giropay is a very popular online banking payment system in Germany.

It allows shoppers to pay for your goods or services with an online bank transfer.

Giropay is a secure and reliable payment method, which uses shopper's own online banking details (PIN) and a TAN (Transaction Authentication Number) to authorise the payment. Small payments (30 Euro and below) often don't need a TAN.

Shopper journey

The shopper selects the Giropay payment method, confirms their bank and the system redirects to their bank to complete their payment. The bank provides a real-time notification for authorised payments.

Note:  For screenshots of these shopper journeys, see Shopper experience - Screens.

The shopper journey is the same, for both desktop devices and mobile devices.

Your shopper:

  1. Selects the Giropay payment method from the payment methods screen. The shopper is redirected to the Giropay payment pages.

  2. The shopper inputs the name of their bank. This screen does not appear if you, the merchant, include the BIC (Business Identifier Code) of the shopper’s bank in the XML request.

  3. The shopper is redirected to their bank, where they input their login credentials.

  4. The shopper completes the payment using their bank’s standard authentication method, for example TAN (Transaction Authentication Number).

  5. After successfully completing their payment, the shopper is redirected back to your successURL.

Shopper experience - Screens

This sections contains a selection of screens that appear to your shopper.

Note:  The screenshots are for guidance; they are correct as of February 2017. Giropay may vary the wording and the appearance of the screens at any time.

Desktop device

Above, the shopper selects Giropay from the various payment methods and is redirected to the Giropay page.

Above, the shopper enters the name of their bank. This, and the two screens below are optional they don't appear if you include the BIC/Swift (Business Identity Code) in the XML request.

Above, the list of banks appear depending on the letters the shopper enters. Or the shopper can enter the BIC (Business Identification Code).

Above, the shopper selects the correct bank from the list and confirms their choice.

Above, the system redirects the shopper to their bank. This screen always appears. Shoppers complete the various fields.

Mobile device

The Giropay screens are optimised for a mobile device, although some banks still have screens that are not optimised. The example screens below feature a bank which does have mobile optimised screens.

Above, the shopper selects Giropay as the payment method and the system redirects the shopper to the Giropay payment pages.

Above, the shopper enters the name of their bank. This screen is optional - it doesn't appear if you include the BIC (Bank Identity Code) in the XML request.

Above, the shopper lands on their bank page.

Above, the shopper enters their ID details and is redirected to a success URL after the payment is made.

Integration considerations

It is important that you think about the following information when you integrate with Giropay, in addition to the general integration recommendations elsewhere in this document.

Time out

A significant proportion of shoppers complete their payments within 5 to 6 minutes, as the payment process is relatively straightforward and various timeouts are enforced. Shoppers have:

  • Up to five minutes to enter the BIC (Business Identifier Code) of on the BIC-capture page. This page is skipped completely if you pass the BIC in the XML.
  • Up to five minutes to log into their bank.
  • Up to five minutes to complete the payment once logged into their bank.

Exceptionally, there can be a short delay in receiving the authorisation confirmation from the bank.

You could therefore receive an authorisation notification up to 20 minutes (or in exceptional circumstances more) after the shopper was redirected. In general you will receive the authorisation within 5 – 6 minutes from the point of redirect.


Giropay works on both desktop and smaller devices. Note that not all banks have mobile-optimised pages, so you may find that acceptance rates are slightly lower if the shopper uses a mobile device. Worldpay continue to work with our partners to ensure that all our methods work optimally across a broad range of devices.


This is the general logo for online use:

This is the online (bank) transfer logo for online use:

Giropay may update their logo, slogans and font at any time. The logos and banners above are correct as of February 2017. To check and obtain the current logos and banners, see the Giropay website.

Payment method properties

Property Description/Value
Payment type Bank transfer
Countries Germany
Acceptance Currencies EUR
Settlement to Worldpay Currency EUR
Preferred Currency EUR
Shopper Debit EUR
Minimum amount for a single transaction

EUR 0.1

We do not recommend that you offer Giropay for payments under EUR 1.

Maximum amount for a single transaction (Individual card issuers and banks may also impose their own limits) EUR 50,000
Direct Refunds (Yes/No)

Yes. See the WPG Refunds Capability table for limitations.

You can only do a direct refund on certain transactions (those where the bank has provided Worldpay with the shopper bank account details). Certain banks do not provide this data, but approximately two-thirds of your payments should be direct-refundable.

You can only execute a direct refund once the payment has reached a SETTLED status.

If Worldpay has enough data to offer a direct refund, then the direct refund button appears in the merchant interface. If we do not have enough data, no direct refund button appears and instead you must contact the shopper to get their bank details.

Direct Refund Period See the WPG Refunds Capability table for limitations.
Bank Transfer Refunds (Yes/No) Yes. See the WPG Refunds Capability table for limitations.
Bank Transfer Refund Period See the Refunding Alternative Payments Guide for limitations.
Chargebacks (Yes/No)


All Giropay payments are guaranteed up to EUR 10,000. For individual payments greater than EUR 10,000, the first EUR 10,000 is guaranteed, but the remainder is not. In cases of fraud, the liability for this remainder is with you, the merchant.

Payment method mask GIROPAY-SSL
Supported languages DE
Statement narrative (Yes/No) No
Dynamic descriptor No
Payment traceability

The merchant’s order code normally appears on the bank’s payment pages.

Direct model (Yes/No) Yes
Redirect model (Yes/No) Yes
Sandbox (Yes/No) Yes
Service Level M-Level
Restrictions None

Payment timetable

Trigger Delay WPG payment status changes to Notes
Shopper chooses the Giropay payment method 0   An order is created and the shopper is redirected to Giropay.
The shopper successfully completes their payment on the Giropay and bank payment pages <15 mins    
PSP authorises the payment ~5 mins SENT_FOR_AUTHORISATION and then AUTHORISED The payment is authorised in real time. The two payment status are created at the same time.
Worldpay capture the payment <1 hour CAPTURED  
Worldpay clears and settles the payment internally 3 – 4 days SETTLED  
Worldpay settles to the merchant n working days   The settlement to the merchant occurs according to the normal merchant settlement cycle.

Giropay: Example XML order