Information on the giropay payment method.


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:

User Experience


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

giropay - User Journey - 1

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

giropay - User Journey - 2

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

giropay - User Journey - 3

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

giropay - User Journey - 4

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

giropay - User Journey - 5


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




Merchants do not need to have an account with giropay

How to activate giropay

Merchants do not need to have an account with giropay

Environment Activation details
Production This payment method is available upon positive review of your request. For more information, please contact your Viva sales representative. Alternatively, you can contact us directly via our live chat facility, by simply clicking on the live chat icon in the bottom right-hand corner of this page.

*You may visit our Test Cards and Environments page for further information on how to make test payments with 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:

Merchant Category (MCC) Description
5094 Precious Stones and Metals, Watches and Jewelry
5122 Drugs, Drug Proprietors, and Druggist’s Sundries
5499 Misc. Food Stores – Convenience Stores and Specialty Markets
5912 Drug Stores and Pharmacies
5962 Direct Marketing – Travel Related Arrangements Services
5966 Direct Marketing- Outbound Telemarketing Merchant
5967 Direct Marketing – Inbound Teleservices Merchant
5999 Miscellaneous and Specialty Retail Stores
7322 Debt collection
7995 Betting (including Lottery Tickets, Casino Gaming Chips, Off-track Betting and Wagers)
7996 Amusement Parks, Carnivals, Circuses, Fortune Tellers
9223 Bail and Bond Payments

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:

Payment Method Icon - giropay

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!