# giropay payments

Learn about giropay, a common payment method in Germany.

> Our financial partners are deprecating Giropay. No new business onboarding or transactions will be possible after June 30, 2024. Read our [support page](https://support.stripe.com/questions/june-2024-update-to-giropays-availability) for more details.

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.

giropay redirects customers to their website to [authenticate a payment](https://docs.stripe.com/payments/payment-methods.md#customer-actions) and there is [immediate notification](https://docs.stripe.com/payments/payment-methods.md#payment-notification) about the success or failure of a payment.

#### Payment method properties

- **Customer locations**

  Germany

- **Presentment currency**

  EUR

- **Payment confirmation**

  Customer-authenticated

- **Payment method family**

  Authenticated bank debit

- **Recurring payments**

  No

- **Payout timing**

  Standard payout timing applies

- **Connect support**

  Yes

- **Dispute support**

  No

- **Refunds / Partial refunds**

  Yes / yes

#### Business locations

Stripe accounts in the following countries can accept giropay payments:

- AT
- AU
- BE
- BG
- CA
- CH
- CY
- CZ
- DE
- DK
- EE
- ES
- FI
- FR
- GB
- GI
- GR
- HK
- HR
- HU
- IE
- IT
- JP
- LI
- LT
- LU
- LV
- MT
- MX
- NL
- NO
- NZ
- PL
- PT
- RO
- SE
- SG
- SI
- SK
- US

## Payment flow 
![](https://d37ugbyn3rpeym.cloudfront.net/videos/giropay_payment_demo.mp4)
## Get started 

You don’t 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. Go to the [Stripe Dashboard](https://dashboard.stripe.com/settings/payment_methods) and enable giropay. To get started with one of our hosted UIs, follow a quickstart:

- [Checkout](https://docs.stripe.com/checkout/quickstart.md): Our prebuilt, hosted checkout page.
- [Elements](https://docs.stripe.com/payments/quickstart-checkout-sessions.md): Our drop-in UI components.

### Other payment products

The following Stripe products also let you add giropay from the Dashboard:

- [Invoicing](https://docs.stripe.com/invoicing/no-code-guide.md)
- [Payment Links](https://docs.stripe.com/payment-links.md)

If your integration requires manually listing payment methods, learn how to [manually configure giropay as a payment](https://docs.stripe.com/payments/giropay/accept-a-payment.md).

## Disputed payments

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.

## Refunds

giropay payments can be refunded up to 180 days after the original payment date.