girocard is one of Germany's most prevalent cards with over 100 million in circulation. Users can pay via chip and pin or contactless at over 900,000 POS terminals and use a network of over 58,000 ATMs.

  • A single integration into our platform
  • We're a Netzbetreiber (network operator) within girocard's ecosystem
  • We offer girocard in the Eurozone
  • P2PE certified terminals
  • Faster roll-out: one integration for all terminals worldwide
  • Secure payment method: EMV chip transactions
  • Contactless payments and refunds are supported

Did you know that 68% of card payments in Germany are made with girocard?

Learn more

Apple Pay girocard

Apple Pay is now available to use with girocard, enabling cardholders to pay securely in-store and online with their iPhone, iPad, or iMac

  • Apple Pay and girocard combine reach and usability, making it a must-have-addition to your payment method mix in Germany
  • Chargebacks are not supported
  • With an existing Apple Pay integration, adding girocard is just a matter of configuration
  • Available throughout the Eurozone

Accept girocard with Adyen

Adyen offers a full service solution, including reconciliation, reporting and settlement services.

Market Germany
Settlement currency


Channel Point of Sale, Ecommerce
Processing currencies EUR
Recurring transactions POS: Yes; Apple Pay Ecommerce: No
Refunds Yes (subsequent SEPA Credit Transfer transaction)
Partial refunds Yes (subsequent SEPA Credit Transfer transaction)
Multiple partial refunds Yes (subsequent SEPA Credit Transfer transactions)
Multiple partial captures Yes (only 1st capture is guaranteed)
3D Secure POS: No; Apple Pay Ecommerce: Yes
Payouts Yes
Settlement delay 2 days
Chargebacks No


We charge a processing fee + payment method fee per transaction.

Commission per transaction, may differ per region.

Different commissions apply depending on the payment method.

The Adyen platform supports all key payment methods globally.

See the full list

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