Giropay is an interbank system, and the official implementation of German banks for online banking. It is accessible by more than 40 million shoppers and accounts for 16% of all online transactions in Germany.
- Real-time transaction confirmation
- Supported by the majority of German banks
- Secure payments
- Guaranteed payment method
How Giropay works on desktop
Enter bank details
Shopper is redirected to online banking environment and enters bank details.
Enter code
Shopper enters a code which is sent via SMS or generated on a secure device.
Confirmation page
Shopper reaches the confirmation page and is then redirected back to the merchant's site.
How Giropay works on mobile
Enter bank details
Shopper is redirected to the online banking environment and enters details.
Enter code
Shopper enters a code for the second authentication provided by the bank.
Confirmation page
Shopper reaches the confirmation page, and is then redirected back to the merchant's site.
Accept Giropay with Adyen
Adyen offers a full-service Giropay solution, including all reconciliation, reporting and settlement services.
| Market |
Europe: Germany |
| Settlement currency | EUR |
| Channel | Ecommerce |
| Processing currencies | EUR |
| Recurring transactions | Yes, via SEPA direct debit |
| Refunds | Yes |
| Multiple partial refunds | Yes |
| Settlement delay | 2 days |
Different commissions apply depending on the payment method.