Giropay is an online payment system in Germany that allows users to pay for digital goods and services directly from their online bank account. Giropay has partnered with more than 1,500 German banks which authorize the transaction and allow merchants to confirm payment in real-time.

Payment flow

  • The customer selects their bank of choice and logs into the online bank account to complete the payment.
Giropay select
  • The customer logs into their online banking account to finish the payment.
Giropay complete


name description
Countries Germany flag DE
Type Bank Transfers
Processing currencies EUR
Supported currencies Refer to currency codes
Payment confirmation time Instant
Chargebacks No
Non-collection risk Yes
Time frame for non-collection risk 7 days
Refunds Yes
Partial refund Yes
Refund time frame Unlimited
Onboarding required No
Recurring Payments No
Mobile UI Yes
Opens new window Yes
Min Transaction Limit 0.30 EUR

Available models:

  • Merchant.

Included with your Paymentwall account.

  • MOR.

Terminal 3.