giropay

Information on the giropay payment method.

• Introduction
• User Experience
  • Screenshots
  • Videos
• Details
• How to activate giropay
• Merchant Categories
• Payment method messaging
• Get Support

Introduction

giropay is a payment method allowing German customers to pay via fast and easy direct bank transfers.

Some of the main benefits of offering giropay as a payment method are:

• Speed: giropay provides an immediate online payment guarantee to the merchant
• Speed and ease of use: Customers can quickly and easily log into their chosen bank and complete a payment
• Wide availability: A wide variety of banks support giropay, making it a convenient option
• Security: Every payment is authorised securely within the bank’s environment
• Get started quickly: There is no need for the merchant to have an account with giropay

User Experience

Screenshots

At the checkout page, the customer chooses giropay as their preferred payment method:

The customer is directed to a giropay-hosted payment page where they can search for and select their preferred bank:

They then log in to their bank using their account credentials:

A transaction summary is displayed for the customer to review before authorising the transaction via Strong Customer Authentication:

A transaction confirmation is shown to the customer and the merchant is notified of the successful payment:

Videos

Please also see our videos below, outlining the desktop and mobile use of giropay:

Desktop:

Mobile:

Details

• How to activate: Please refer to the How to activate section below
• Payment method type: Asynchronous - payments are not confirmed immediately, it may take up to 1 hour to receive confirmation of payment. You need to set up webhooks in order to get notified for asynchronous payments
• Refunds: Supports partial and full refunds
• Recurring payments: Not yet supported
• Pre-authorizations: Not yet supported
• Restricted MCC: Some Merchant Categories are not eligible to have giropay activated
• Μerchant countries: Available for merchants registered in Austria, Belgium, Croatia, Cyprus, Finland, France, Germany, Greece, Ireland, Italy, Luxembourg, Malta, Netherlands, Portugal & Spain
• Customer countries: Available to customers in Germany only
• Pricing: Please refer to our pricing page under the main navigation for more information
• Settlement: Customer payments are deposited next day into your business account for confirmed payments / successful transactions (i.e. have statusId = F)
• Cross-currency payments: Not yet supported
• Additional notes: The Email address and Customer Name fields within Smart Checkout are optional

How to activate giropay

Merchant Categories

There are some merchant categories that are not eligible to have giropay activated. If your business is in one of these categories, you will not be able to accept payments through giropay:

Payment method messaging

It is important that the customer is aware of the payment methods you offer via Smart Checkout, as this will increase conversion and average order values. Please see our payment method messaging guide for more details on why and where we would recommend adding this information to your site.

If desired, you can download and use this icon on your site or online store, in order to show customers you offer giropay as a payment method:

Get Support

If you would like to integrate with Viva, or if you have any queries about our products and solutions, please see our Contact & Support page to see how we can help!