16% of e-commerce transactions made in Germany are processed by Giropay.

40 million consumers in Germany make payments via Giropay.

Giropay sends real-time confirmation of payment authorisations to shoppers using the bank transfer service.

What is Giropay?

Giropay facilitates more than 51% of all online transactions in Germany; providing customers with access to more than 1,500 banks via direct transfer. Customers using giropay receive real-time payment confirmations and the service is considered virtually risk-free as a result.

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Payment Type Commerce Channel Chargebacks Recurring Refunds

Payment Type

Bank Transfer

Commerce Channel



Not in the instance of fraud



How Does It Work?

Step 1

The customer selects and logs into their online banking environment.

Step 2

They then confirm and authorize the prefilled payment data.

Step 3

The customer will then receive a confirmation of their order.

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Frequently Asked Questions

To get a merchant account, all you need to do is send us an application. You’ll be partnered with one of our banking partners in order to provide you with the best merchant account options that are cost-effective and suit your business best.
A merchant account is a business bank account. It’s used to receive payments from debit and credit cards for your products or services. Payments are held in your merchant account until they are settled into your bank account.
Once a customer has made a payment, those funds are sent to the acquiring bank that the merchant is partnered with. Each of these payments is then released within a pre-agreed upon amount of days and transferred to the merchant’s nominated business bank account. This length of this period is known as settlement days and varies depending on your acquirer.