giropay is a German payment method based on online banking, introduced in 2006. It allows customers to complete transactions online using their online banking environment, with funds debited from their bank account. Depending on their bank, customers confirm payments on giropay using a second factor of authentication or a PIN. giropay accounts for 10% of online checkouts in Germany.
Payment method family
Authenticated bank debit
Standard payout timing applies
Refunds / Partial refunds
Yes / yes
You don’t actually have to integrate giropay and other payment methods individually. If you use our front-end products, Stripe automatically determines the most relevant payment methods to display. Follow a quickstart for one of our hosted UIs:
After setting up your payment form, activate the payment methods you want using the Stripe Dashboard.
Other payment products
The following Stripe products also support adding giropay from the Dashboard:
If your integration requires manually listing payment methods, learn how to manually configure giropay as a payment.
The risk of fraud or unrecognized payments is low because the customer must authenticate the payment with their bank. As a result, you won’t have disputes that turn into chargebacks, with funds withdrawn from your Stripe account.
giropay payments can be refunded up to 180 days after the original payment date.