Giropay

Overview - Giropay

Giropay is an Internet payment system in Germany, based on online banking. This payment method allows customers to buy securely on Internet using direct online transfers from their bank account.

Main advantages of this payment method are:

For customers: Giropay uses the same environment as their banks' online banking sites. No sensitive information is being shared with the merchant. For Giropay payments, customers only need an online banking checking account with a bank participating in Giropay. The authentication takes place via PIN and TAN.

For merchants: Giropay offers merchants guaranteed payments at zero risk. Merchants receive a payment guarantee from the customer's bank immediately after successful Giropay transfer and can thus issue the goods immediately and without risk. Online payments are 100% guaranteed from the customer's bank.

Customer Experience - Giropay

Description	Image
Select Giropay
View payment
Redirect to Giropay
Select Bank
Log in to online banking
Follow the steps and pay the purchase

Payengine Details - Giropay

General

Name	Details
Product	Giropay
Channels	ECOM
Currencies	EUR
Countries	DE
Technical Flow	Asynchronous
Recurring	No
Chargebacks	No
Reusable Payment Instruments	Yes

Supported Features & Services

Name	Details
Debit	Yes
Preauthorization	No
Cancelation	No
Capture	No
Refunds	Yes (only TAN based)
Notifications	Yes (webhook and email)
PayLink Integration	Yes (please contact support or account manager for this feature)
Settlement Reporting	No (on the roadmap)

Integration Types

Name	Details
API	Yes
Widget	Yes
Bridge	No
Shop Plugin	No

Integration via API - Giropay

Technical Flow

Note: Before execution of Giropay transactions, it's necessary merchant to setup a Giropay Bank account.

Webhook Notifications

As it is not ensured at the time of the redirect to the shop that the payment was 100% successful, the Payengine waits for the final asynchronous notification before a status is moved from PENDING into SUCCESS or FAILURE.

A merchant should register for the Payengine webhook notifications in order to receive this final status update.

Alternatively a GET request on the order or DEBIT transaction would also work, but it is not ensured that the final status will be available immediately after the redirect and a merchant might have to query the GET multiple times.

Therefore it is strongly recommended that the asynchronous notifications from the Payengine are used instead.

The notifications could be subscribed:

via the payengine API (link to API documentation)
via the Payengine Merchant Center (link to Merchant Center notifications documentation)

Once the merchant receives notification for Debit transaction success, he can immediately ship the goods or provide the service subject of the order. The amount of the order will be received in the merchant's bank account one business day after receiving notification for successful Debit transaction.

Specifications - Giropay

Prerequisites for Debit Transactions

Prerequisite	Mandatory/Optional (M/O)	Create Prerequisite
Customer	O	POST /customers
Persona	O	POST /customers/{{customerId}}/personas
Billing Address	O	POST /customers/{{customerId}}/addresses
Shipping Address	O	POST /customers/{{customerId}}/addresses

Specific Debit Request Parameters

Parameter	Mandatory/Optional (M/O)	Description	Example
payment.iban	O	IBAN of the customer	DE15111111111111111199
async.successUrl	M	Redirect URL for successful payment	http://my.shop.com/success
async.failureUrl	M	async.failureUrl	async.failureUrl
async.cancelUrl	M	Redirect URL when payment is canceled	http://my.shop.com/cancel

Samples

Debit Transaction

Giropay Debit Request

{
		"product" : "giropay",
		"terms": 1468590412476,
		"privacy": 1468590412476,

Giropay Debit Response

{
		"createdAt": 1571755524535,
		"modifiedAt": 1571755524543,
		"merchantId": "Merchant-11111111-1111-1111-1111-111111111111",

Testing

Currently testing of Giropay payment transactions on TM environment is possible only via simulator.