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giropay is an Internet payment method widely used in Germany, based on online banking and allows consumers to buy securely on the Internet using direct online transfers from their bank account. The system is similar to the Dutch iDEAL payment system and the Austrian payment method eps-Überweisung. Most German savings banks (Sparkassen) and cooperative banks are participating in giropay.
giropay offers you a real-time payment method (publicized as virtually risk-free) to accept Internet payments. For consumers, giropay uses the same environment as their online banking sites. The level of security depends on the participating bank. No sensitive information is being shared with you, such as credit card or Giro account numbers. There is no chargeback right however, which can be considered a disadvantage for the consumer, while this is regarded an advantage for the merchant.
Please visit giropay for further information and details.
Consumers need to have access to the Internet banking system of the participating bank.
For a visual representation of the order flow behavior and associated transaction-based operations of this payment method we invite you to have a look at the respective order flow diagram.
The optional request parameters
orderReference are more restricted with regard to their length and allowed characters than are other general request parameters.
|Parameter||Data type||Short description|
|customerStatement||ASCII with a variable length of up to 254 characters.||Text displayed on bank statement issued to your consumer by the financial service provider.|
|orderReference||Variable length of up to 32 characters. Allowed characters are [0-9a-zA-Z].||Unique order reference ID sent from merchant to financial institution.|