# Accept a giropay payment

Learn how to accept 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.

# Stripe-hosted page

> This is a Stripe-hosted page for when web-or-mobile is web and payment-ui is stripe-hosted. View the full page at https://docs.stripe.com/payments/giropay/accept-a-payment?web-or-mobile=web&payment-ui=stripe-hosted.

> Stripe can automatically present the relevant payment methods to your customers by evaluating currency, payment method restrictions, and other parameters.
> 
> - Follow the [Accept a payment](https://docs.stripe.com/payments/accept-a-payment.md?payment-ui=checkout&ui=stripe-hosted) guide to build a Checkout integration that uses [dynamic payment methods](https://docs.stripe.com/payments/payment-methods/dynamic-payment-methods.md).
- If you don’t want to use dynamic payment methods, follow the steps below to manually configure the payment methods in your Checkout integration.

giropay is a [single use](https://docs.stripe.com/payments/payment-methods.md#usage) payment method where customers are required to [authenticate](https://docs.stripe.com/payments/payment-methods.md#customer-actions) their payment. *Customers* (Customer objects represent customers of your business. They let you reuse payment methods and give you the ability to track multiple payments) pay with giropay by redirecting from your website, authorizing the payment, then returning to your website where you get [immediate notification](https://docs.stripe.com/payments/payment-methods.md#payment-notification) on whether the payment succeeded or failed. Because giropay is a single use payment method, it isn’t compatible with [SetupIntents](https://docs.stripe.com/api/setup_intents.md).

> Your use of giropay must be in accordance with the [giropay Terms of Service](https://stripe.com/giropay/legal).

## Determine compatibility

**Supported business locations**: Europe, US, CA, NZ, SG, HK, JP, AU, MX

**Supported currencies**: `eur`

**Presentment currencies**: `eur`

**Payment mode**: Yes

**Setup mode**: No

**Subscription mode**: No

A Checkout Session must satisfy all of the following conditions to support giropay payments:

- *Prices* (Prices define how much and how often to charge for products. This includes how much the product costs, what currency to use, and the interval if the price is for subscriptions) for all line items must be in the same currency. If you have line items in different currencies, create separate Checkout Sessions for each currency.
- You can only use one-time line items (recurring *subscription* (A Subscription represents the product details associated with the plan that your customer subscribes to. Allows you to charge the customer on a recurring basis) plans aren’t supported).

## Accept a payment

> Build an integration to [accept a payment](https://docs.stripe.com/payments/accept-a-payment.md?integration=checkout) with Checkout before using this guide.

Use this guide to learn how to enable giropay—it shows the differences between accepting a card payment and using giropay.

### Enable giropay as a payment method

When creating a new [Checkout Session](https://docs.stripe.com/api/checkout/sessions.md), you need to:

1. Add `giropay` to the list of `payment_method_types`
1. Make sure all your `line_items` use the `eur` currency

#### Ruby

```ruby
Stripe::Checkout::Session.create({
  mode: 'payment',payment_method_types: ['card', 'giropay'],
  line_items: [{
    price_data: {# To accept `giropay`, all line items must have currency:eurcurrency: 'eur',
      product_data: {
        name: 'T-shirt'
      },
      unit_amount: 2000
    },
    quantity: 1
  }],
  success_url: 'https://example.com/success'
})
```

### Fulfill your orders

After accepting a payment, learn how to [fulfill orders](https://docs.stripe.com/checkout/fulfillment.md).

## Test your integration

When testing your Checkout integration, select giropay as the payment method and click the **Pay** button.

## Handle refunds and disputes

The refund period for giropay is up to 180 days after the original payment.

There is no dispute process—customers authenticate with their bank.

## See also

- [Checkout fulfillment](https://docs.stripe.com/checkout/fulfillment.md)
- [Customizing Checkout](https://docs.stripe.com/payments/checkout/customization.md)


# iOS

> This is a iOS for when web-or-mobile is mobile and payment-ui is ios. View the full page at https://docs.stripe.com/payments/giropay/accept-a-payment?web-or-mobile=mobile&payment-ui=ios.

> We recommend that you follow the [Accept a payment](https://docs.stripe.com/payments/accept-a-payment.md) guide unless you need to use manual server-side confirmation, or your integration requires presenting payment methods separately. If you’ve already integrated with Elements, see the [Payment Element migration guide](https://docs.stripe.com/payments/payment-element/migration.md).

giropay is a [single use](https://docs.stripe.com/payments/payment-methods.md#usage) payment method where customers are required to [authenticate](https://docs.stripe.com/payments/payment-methods.md#customer-actions) their payment. *Customers* (Customer objects represent customers of your business. They let you reuse payment methods and give you the ability to track multiple payments) pay with giropay by redirecting from your website, authorizing the payment, then returning to your website where you get [immediate notification](https://docs.stripe.com/payments/payment-methods.md#payment-notification) on whether the payment succeeded or failed. Because giropay is a single use payment method, it isn’t compatible with [SetupIntents](https://docs.stripe.com/api/setup_intents.md).

> Your use of giropay must be in accordance with the [giropay Terms of Service](https://stripe.com/giropay/legal).

## Set up Stripe [Server-side] [Client-side]

First, you need a Stripe account. [Register now](https://dashboard.stripe.com/register).

### Server-side 

This integration requires endpoints on your server that talk to the Stripe API. Use the official libraries for access to the Stripe API from your server:

#### Ruby

```bash
# Available as a gem
sudo gem install stripe
```

```ruby
# If you use bundler, you can add this line to your Gemfile
gem 'stripe'
```

### Client-side 

The [Stripe iOS SDK](https://github.com/stripe/stripe-ios) is open source, [fully documented](https://stripe.dev/stripe-ios/index.html), and compatible with apps supporting iOS 13 or above.

#### Swift Package Manager

To install the SDK, follow these steps:

1. In Xcode, select **File** > **Add Package Dependencies…** and enter `https://github.com/stripe/stripe-ios-spm` as the repository URL.
1. Select the latest version number from our [releases page](https://github.com/stripe/stripe-ios/releases).
1. Add the **StripePaymentsUI** product to the [target of your app](https://developer.apple.com/documentation/swift_packages/adding_package_dependencies_to_your_app).

#### CocoaPods

1. If you haven’t already, install the latest version of [CocoaPods](https://guides.cocoapods.org/using/getting-started.html).
1. If you don’t have an existing [Podfile](https://guides.cocoapods.org/syntax/podfile.html), run the following command to create one:
   ```bash
   pod init
   ```
1. Add this line to your `Podfile`:
   ```podfile
   pod 'StripePaymentsUI'
   ```
1. Run the following command:
   ```bash
   pod install
   ```
1. Don’t forget to use the `.xcworkspace` file to open your project in Xcode, instead of the `.xcodeproj` file, from here on out.
1. In the future, to update to the latest version of the SDK, run:
   ```bash
   pod update StripePaymentsUI
   ```

#### Carthage

1. If you haven’t already, install the latest version of [Carthage](https://github.com/Carthage/Carthage#installing-carthage).
1. Add this line to your `Cartfile`:
   ```cartfile
   github "stripe/stripe-ios"
   ```
1. Follow the [Carthage installation instructions](https://github.com/Carthage/Carthage#if-youre-building-for-ios-tvos-or-watchos). Make sure to embed all of the required frameworks listed [here](https://github.com/stripe/stripe-ios/tree/master/StripePaymentsUI/README.md#manual-linking).
1. In the future, to update to the latest version of the SDK, run the following command:
   ```bash
   carthage update stripe-ios --platform ios
   ```

#### Manual Framework

1. Head to our [GitHub releases page](https://github.com/stripe/stripe-ios/releases/latest) and download and unzip **Stripe.xcframework.zip**.
1. Drag **StripePaymentsUI.xcframework** to the **Embedded Binaries** section of the **General** settings in your Xcode project. Make sure to select **Copy items if needed**.
1. Repeat step 2 for all required frameworks listed [here](https://github.com/stripe/stripe-ios/tree/master/StripePaymentsUI/README.md#manual-linking).
1. In the future, to update to the latest version of our SDK, repeat steps 1–3.

> For details on the latest SDK release and past versions, see the [Releases](https://github.com/stripe/stripe-ios/releases) page on GitHub. To receive notifications when a new release is published, [watch releases](https://help.github.com/en/articles/watching-and-unwatching-releases-for-a-repository#watching-releases-for-a-repository) for the repository.

Configure the SDK with your Stripe [publishable key](https://dashboard.stripe.com/test/apikeys) on app start. This enables your app to make requests to the Stripe API.

#### Swift

```swift
import UIKitimportStripePaymentsUI

@main
class AppDelegate: UIResponder, UIApplicationDelegate {

    func application(_ application: UIApplication, didFinishLaunchingWithOptions launchOptions: [UIApplication.LaunchOptionsKey: Any]?) -> Bool {StripeAPI.defaultPublishableKey = "<<YOUR_PUBLISHABLE_KEY>>"
        // do any other necessary launch configuration
        return true
    }
}
```

> Use your [test keys](https://docs.stripe.com/keys.md#obtain-api-keys) while you test and develop, and your [live mode](https://docs.stripe.com/keys.md#test-live-modes) keys when you publish your app.

## Create a PaymentIntent [Server-side] [Client-side]

A [PaymentIntent](https://docs.stripe.com/api/payment_intents/object.md) represents your intent to collect payment from a customer and tracks the lifecycle of the payment process.

### Server-side

Create a `PaymentIntent` on your server and specify the `amount` to collect and the `eur` currency (giropay doesn’t support other currencies). If you have an existing [Payment Intents](https://docs.stripe.com/payments/payment-intents.md) integration, add `giropay` to the list of [payment method types](https://docs.stripe.com/api/payment_intents/create.md#create_payment_intent-payment_method_types).

```curl
curl https://api.stripe.com/v1/payment_intents \
  -u "<<YOUR_SECRET_KEY>>:" \
  -d amount=1099 \
  -d currency=eur \
  -d "payment_method_types[]=giropay"
```

Instead of passing the entire PaymentIntent object to your app, return its *client secret* (The client secret is a unique key returned from Stripe as part of a PaymentIntent. This key lets the client access important fields from the PaymentIntent (status, amount, currency) while hiding sensitive ones (metadata, customer)). The PaymentIntent’s client secret is a unique key that lets you *confirm* (Confirming an intent indicates that the customer intends to use the current or provided payment method. Upon confirmation, the intent attempts to initiate the portions of the flow that have real-world side effects) the payment and update payment details on the client, without allowing manipulation of sensitive information, like the payment amount.

### Client-side

On the client, request a PaymentIntent from your server and store its *client secret* (The client secret is a unique key returned from Stripe as part of a PaymentIntent. This key lets the client access important fields from the PaymentIntent (status, amount, currency) while hiding sensitive ones (metadata, customer)).

#### Swift

```swift
class CheckoutViewController: UIViewController {
    var paymentIntentClientSecret: String?

    // ...continued from previous step

    override func viewDidLoad() {
        // ...continued from previous step
        startCheckout()
    }

    func startCheckout() {
        // Request a PaymentIntent from your server and store its client secret
        // Click View full sample to see a complete implementation
    }
}
```

## Collect payment method details [Client-side]

Create a payment form on your client to collect the required billing details from the customer:

| Field  | Value                                           |
| ------ | ----------------------------------------------- |
| `name` | The full name (first and last) of the customer. |

#### Swift

```swift
class CheckoutViewController: UIViewController {
    private let nameField: UITextField = UITextField()
    // ...

    override func viewDidLoad() {
        super.viewDidLoad()

        nameField.textContentType = .name
        nameField.translatesAutoresizingMaskIntoConstraints = false
        view.addSubview(nameField)

        // ...
    }

    // ...
}
```

## Submit the payment to Stripe [Client-side]

When a customer taps to pay with giropay, *confirm* (Confirming an intent indicates that the customer intends to use the current or provided payment method. Upon confirmation, the intent attempts to initiate the portions of the flow that have real-world side effects) the `PaymentIntent` to complete the payment.

First, configure a STPPaymentIntentParams object with:

1. The required billing details from your payment form
1. The `PaymentIntent` client secret from your server

Rather than sending the entire PaymentIntent object to the client, use its client secret. This is different from your API keys that authenticate Stripe API requests. The client secret is a string that lets your app access important fields from the PaymentIntent (for example, `status`) while hiding sensitive ones (for example, `customer`).

### Set up a return URL

The iOS SDK can present a webview in your app to complete the giropay payment. When authentication is finished, the webview can automatically dismiss itself instead of having your customer close it. To enable this behavior, configure a custom URL scheme or universal link and set up your app delegate to forward the URL to the SDK.

#### Swift

```swift
// This method handles opening custom URL schemes (for example, "your-app://stripe-redirect")
func application(_ app: UIApplication, open url: URL, options: [UIApplication.OpenURLOptionsKey: Any] = [:]) -> Bool {
    let stripeHandled = StripeAPI.handleURLCallback(with: url)
    if (stripeHandled) {
        return true
    } else {
        // This was not a Stripe url – handle the URL normally as you would
    }
    return false
}

// This method handles opening universal link URLs (for example, "https://example.com/stripe_ios_callback")
func application(_ application: UIApplication, continue userActivity: NSUserActivity, restorationHandler: @escaping ([UIUserActivityRestoring]?) -> Void) -> Bool {
    if userActivity.activityType == NSUserActivityTypeBrowsingWeb {
        if let url = userActivity.webpageURL {
            let stripeHandled = StripeAPI.handleURLCallback(with: url)
            if (stripeHandled) {
                return true
            } else {
                // This was not a Stripe url – handle the URL normally as you would
            }
        }
    }
    return false
}
```

Next, pass the URL as the return_url when you confirm the PaymentIntent. After webview-based authentication is finished, Stripe redirects the user back to your app or web page with the return_url you provided

### Confirm the payment

Next, complete the payment by calling the STPPaymentHandler confirmPayment method. This presents a webview where the customer can complete the payment on their bank’s website or app. Upon completion, the completion block is called with the result of the payment.

#### Swift

```swift
let paymentIntentParams = STPPaymentIntentParams(clientSecret: paymentIntentClientSecret)
let billingDetails = STPPaymentMethodBillingDetails()
billingDetails.name = nameField.text

// giropay doesn't require additional parameters so we only need to pass the init-ed
// STPPaymentMethoGiropayParams instance to STPPaymentMethodParams
let giropay = STPPaymentMethodGiropayParams()
let paymentMethodParams = STPPaymentMethodParams(giropay: giropay, billingDetails: billingDetails, metadata: nil)

paymentIntentParams.paymentMethodParams = paymentMethodParams

STPPaymentHandler.shared().confirmPayment(paymentIntentParams,
                                          with: self)
{ (handlerStatus, paymentIntent, error) in
    switch handlerStatus {
    case .succeeded:
        // Payment succeeded
        // ...

    case .canceled:
        // Payment canceled
        // ...

    case .failed:
        // Payment failed
        // ...

    @unknown default:
        fatalError()
    }
}
```

## Optional: Handle post-payment events

Stripe sends a [payment_intent.succeeded](https://docs.stripe.com/api/events/types.md#event_types-payment_intent.succeeded) event when the payment completes. Use the Dashboard, a custom *webhook* (A webhook is a real-time push notification sent to your application as a JSON payload through HTTPS requests), or a partner solution to receive these events and run actions, like sending an order confirmation email to your customer, logging the sale in a database, or starting a shipping workflow.

Listen for these events rather than waiting on a callback from the client. On the client, the customer could close the browser window or quit the app before the callback executes, and malicious clients could manipulate the response. Setting up your integration to listen for asynchronous events also helps you accept more payment methods in the future. Learn about the [differences between all supported payment methods](https://stripe.com/payments/payment-methods-guide).

### Receive events and run business actions 

There are a few options for receiving and running business actions.

#### Manually

Use the Stripe Dashboard to view all your Stripe payments, send email receipts, handle payouts, or retry failed payments.

- [View your test payments in the Dashboard](https://dashboard.stripe.com/test/payments)

#### Custom code

Build a webhook handler to listen for events and build custom asynchronous payment flows. Test and debug your webhook integration locally with the Stripe CLI.

- [Build a custom webhook](https://docs.stripe.com/webhooks/handling-payment-events.md#build-your-own-webhook)

#### Prebuilt apps

Handle common business events, like [automation](https://stripe.partners/?f_category=automation) or [marketing and sales](https://stripe.partners/?f_category=marketing-and-sales), by integrating a partner application.


# Android

> This is a Android for when web-or-mobile is mobile and payment-ui is android. View the full page at https://docs.stripe.com/payments/giropay/accept-a-payment?web-or-mobile=mobile&payment-ui=android.

> We recommend that you follow the [Accept a payment](https://docs.stripe.com/payments/accept-a-payment.md) guide unless you need to use manual server-side confirmation, or your integration requires presenting payment methods separately. If you’ve already integrated with Elements, see the [Payment Element migration guide](https://docs.stripe.com/payments/payment-element/migration.md).

giropay is a [single use](https://docs.stripe.com/payments/payment-methods.md#usage) payment method where customers are required to [authenticate](https://docs.stripe.com/payments/payment-methods.md#customer-actions) their payment. *Customers* (Customer objects represent customers of your business. They let you reuse payment methods and give you the ability to track multiple payments) pay with giropay by redirecting from your website, authorizing the payment, then returning to your website where you get [immediate notification](https://docs.stripe.com/payments/payment-methods.md#payment-notification) on whether the payment succeeded or failed. Because giropay is a single use payment method, it isn’t compatible with [SetupIntents](https://docs.stripe.com/api/setup_intents.md).

> Your use of giropay must be in accordance with the [giropay Terms of Service](https://stripe.com/giropay/legal).

## Set up Stripe [Server-side] [Client-side]

First, you need a Stripe account. [Register now](https://dashboard.stripe.com/register).

### Server-side 

This integration requires endpoints on your server that talk to the Stripe API. Use the official libraries for access to the Stripe API from your server:

#### Ruby

```bash
# Available as a gem
sudo gem install stripe
```

```ruby
# If you use bundler, you can add this line to your Gemfile
gem 'stripe'
```

### Client-side 

The [Stripe Android SDK](https://github.com/stripe/stripe-android) is open source and [fully documented](https://stripe.dev/stripe-android/).

To install the SDK, add `stripe-android` to the `dependencies` block of your [app/build.gradle](https://developer.android.com/studio/build/dependencies) file:

#### Kotlin

```kotlin
plugins {
    id("com.android.application")
}

android { ... }

dependencies {
  // ...

  // Stripe Android SDK
  implementation("com.stripe:stripe-android:23.1.0")
  // Include the financial connections SDK to support US bank account as a payment method
  implementation("com.stripe:financial-connections:23.1.0")
}
```

> For details on the latest SDK release and past versions, see the [Releases](https://github.com/stripe/stripe-android/releases) page on GitHub. To receive notifications when a new release is published, [watch releases for the repository](https://docs.github.com/en/github/managing-subscriptions-and-notifications-on-github/configuring-notifications#configuring-your-watch-settings-for-an-individual-repository).

Configure the SDK with your Stripe [publishable key](https://dashboard.stripe.com/apikeys) so that it can make requests to the Stripe API, such as in your `Application` subclass:

#### Kotlin

```kotlin
import com.stripe.android.PaymentConfiguration

class MyApp : Application() {
    override fun onCreate() {
        super.onCreate()
        PaymentConfiguration.init(
            applicationContext,
            "<<YOUR_PUBLISHABLE_KEY>>"
        )
    }
}
```

> Use your [test keys](https://docs.stripe.com/keys.md#obtain-api-keys) while you test and develop, and your [live mode](https://docs.stripe.com/keys.md#test-live-modes) keys when you publish your app.

Stripe samples also use [OkHttp](https://github.com/square/okhttp) and [GSON](https://github.com/google/gson) to make HTTP requests to a server.

## Create a PaymentIntent [Server-side] [Client-side]

A [PaymentIntent](https://docs.stripe.com/api/payment_intents/object.md) represents your intent to collect payment from a customer and tracks the lifecycle of the payment process.

### Server-side

Create a `PaymentIntent` on your server and specify the `amount` to collect and the `eur` currency (giropay doesn’t support other currencies). If you have an existing [Payment Intents](https://docs.stripe.com/payments/payment-intents.md) integration, add `giropay` to the list of [payment method types](https://docs.stripe.com/api/payment_intents/create.md#create_payment_intent-payment_method_types).

```curl
curl https://api.stripe.com/v1/payment_intents \
  -u "<<YOUR_SECRET_KEY>>:" \
  -d amount=1099 \
  -d currency=eur \
  -d "payment_method_types[]=giropay"
```

Instead of passing the entire PaymentIntent object to your app, return its *client secret* (The client secret is a unique key returned from Stripe as part of a PaymentIntent. This key lets the client access important fields from the PaymentIntent (status, amount, currency) while hiding sensitive ones (metadata, customer)). The PaymentIntent’s client secret is a unique key that lets you *confirm* (Confirming an intent indicates that the customer intends to use the current or provided payment method. Upon confirmation, the intent attempts to initiate the portions of the flow that have real-world side effects) the payment and update payment details on the client, without allowing manipulation of sensitive information, like the payment amount.

### Client-side

On the client, request a PaymentIntent from your server and store its *client secret* (The client secret is a unique key returned from Stripe as part of a PaymentIntent. This key lets the client access important fields from the PaymentIntent (status, amount, currency) while hiding sensitive ones (metadata, customer)).

#### Kotlin

```kotlin
class CheckoutActivity : AppCompatActivity() {

  private lateinit var paymentIntentClientSecret: String

  override fun onCreate(savedInstanceState: Bundle?) {
      super.onCreate(savedInstanceState)
      // ...
      startCheckout()
  }

  private fun startCheckout() {
      // Request a PaymentIntent from your server and store its client secret in paymentIntentClientSecret
      // Click View full sample to see a complete implementation
  }
}
```

## Collect payment method details [Client-side]

Create a payment form on your client to collect the required billing details from the customer:

| Field  | Value                                           |
| ------ | ----------------------------------------------- |
| `name` | The full name (first and last) of the customer. |

#### Kotlin

```kotlin
val billingDetails = PaymentMethod.BillingDetails(name = "Jenny Rosen")
val paymentMethodCreateParams = PaymentMethodCreateParams.createGiropay(billingDetails)
```

## Submit the payment to Stripe [Client-side]

Retrieve the client secret from the PaymentIntent you created and call [PaymentLauncher confirm](https://stripe.dev/stripe-android/payments-core/com.stripe.android.payments.paymentlauncher/-payment-launcher/index.html#74063765%2FFunctions%2F-1622557690). This presents a webview where the customer can complete the payment. Upon completion, `onPaymentResult` is called with the result of the payment.

#### Kotlin

```kotlin
class GiropayPaymentActivity : AppCompatActivity() {
    // ...
    private lateinit var paymentIntentClientSecret: String
    private val paymentLauncher: PaymentLauncher by lazy {
        val paymentConfiguration = PaymentConfiguration.getInstance(applicationContext)
        PaymentLauncher.Companion.create(
            this,
            paymentConfiguration.publishableKey,
            paymentConfiguration.stripeAccountId,
            ::onPaymentResult
        )
    }

    private fun startCheckout() {
        // ...

        val confirmParams = ConfirmPaymentIntentParams
                .createWithPaymentMethodCreateParams(
                  paymentMethodCreateParams = paymentMethodCreateParams,
                  clientSecret = paymentIntentClientSecret
                )
        paymentLauncher.confirm(confirmParams)
    }

    private fun onPaymentResult(paymentResult: PaymentResult) {
        when (paymentResult) {
            is PaymentResult.Completed -> {
                // show success UI
            }
            is PaymentResult.Canceled -> {
                // handle cancel flow
            }
            is PaymentResult.Failed -> {
                // handle failures
                // (for example, the customer may need to choose a new payment
                // method)
            }
        }
    }
}
```

## Optional: Handle post-payment events

Stripe sends a [payment_intent.succeeded](https://docs.stripe.com/api/events/types.md#event_types-payment_intent.succeeded) event when the payment completes. Use the Dashboard, a custom *webhook* (A webhook is a real-time push notification sent to your application as a JSON payload through HTTPS requests), or a partner solution to receive these events and run actions, like sending an order confirmation email to your customer, logging the sale in a database, or starting a shipping workflow.

Listen for these events rather than waiting on a callback from the client. On the client, the customer could close the browser window or quit the app before the callback executes, and malicious clients could manipulate the response. Setting up your integration to listen for asynchronous events also helps you accept more payment methods in the future. Learn about the [differences between all supported payment methods](https://stripe.com/payments/payment-methods-guide).

### Receive events and run business actions 

There are a few options for receiving and running business actions.

#### Manually

Use the Stripe Dashboard to view all your Stripe payments, send email receipts, handle payouts, or retry failed payments.

- [View your test payments in the Dashboard](https://dashboard.stripe.com/test/payments)

#### Custom code

Build a webhook handler to listen for events and build custom asynchronous payment flows. Test and debug your webhook integration locally with the Stripe CLI.

- [Build a custom webhook](https://docs.stripe.com/webhooks/handling-payment-events.md#build-your-own-webhook)

#### Prebuilt apps

Handle common business events, like [automation](https://stripe.partners/?f_category=automation) or [marketing and sales](https://stripe.partners/?f_category=marketing-and-sales), by integrating a partner application.


# React Native

> This is a React Native for when web-or-mobile is mobile and payment-ui is react-native. View the full page at https://docs.stripe.com/payments/giropay/accept-a-payment?web-or-mobile=mobile&payment-ui=react-native.

> We recommend that you follow the [Accept a payment](https://docs.stripe.com/payments/accept-a-payment.md) guide unless you need to use manual server-side confirmation, or your integration requires presenting payment methods separately. If you’ve already integrated with Elements, see the [Payment Element migration guide](https://docs.stripe.com/payments/payment-element/migration.md).

giropay is a [single use](https://docs.stripe.com/payments/payment-methods.md#usage) payment method where customers are required to [authenticate](https://docs.stripe.com/payments/payment-methods.md#customer-actions) their payment. *Customers* (Customer objects represent customers of your business. They let you reuse payment methods and give you the ability to track multiple payments) pay with giropay by redirecting from your website, authorizing the payment, then returning to your website where you get [immediate notification](https://docs.stripe.com/payments/payment-methods.md#payment-notification) on whether the payment succeeded or failed. Because giropay is a single use payment method, it isn’t compatible with [SetupIntents](https://docs.stripe.com/api/setup_intents.md).

> Your use of giropay must be in accordance with the [giropay Terms of Service](https://stripe.com/giropay/legal).

## Set up Stripe [Server-side] [Client-side]

### Server-side 

This integration requires endpoints on your server that talk to the Stripe API. Use our official libraries for access to the Stripe API from your server:

#### Ruby

```bash
# Available as a gem
sudo gem install stripe
```

```ruby
# If you use bundler, you can add this line to your Gemfile
gem 'stripe'
```

### Client-side 

The [React Native SDK](https://github.com/stripe/stripe-react-native) is open source and fully documented. Internally, it uses the [native iOS](https://github.com/stripe/stripe-ios) and [Android](https://github.com/stripe/stripe-android) SDKs. To install Stripe’s React Native SDK, run one of the following commands in your project’s directory (depending on which package manager you use):

#### yarn

```bash
yarn add @stripe/stripe-react-native
```

#### npm

```bash
npm install @stripe/stripe-react-native
```

Next, install some other necessary dependencies:

- For iOS, go to the **ios** directory and run `pod install` to ensure that you also install the required native dependencies.
- For Android, there are no more dependencies to install.

> We recommend following the [official TypeScript guide](https://reactnative.dev/docs/typescript#adding-typescript-to-an-existing-project) to add TypeScript support.

### Stripe initialization

To initialize Stripe in your React Native app, either wrap your payment screen with the `StripeProvider` component, or use the `initStripe` initialization method. Only the API [publishable key](https://docs.stripe.com/keys.md#obtain-api-keys) in `publishableKey` is required. The following example shows how to initialize Stripe using the `StripeProvider` component.

```jsx
import { useState, useEffect } from 'react';
import { StripeProvider } from '@stripe/stripe-react-native';

function App() {
  const [publishableKey, setPublishableKey] = useState('');

  const fetchPublishableKey = async () => {
    const key = await fetchKey(); // fetch key from your server here
    setPublishableKey(key);
  };

  useEffect(() => {
    fetchPublishableKey();
  }, []);

  return (
    <StripeProvider
      publishableKey={publishableKey}
      merchantIdentifier="merchant.identifier" // required for Apple Pay
      urlScheme="your-url-scheme" // required for 3D Secure and bank redirects
    >
      {/* Your app code here */}
    </StripeProvider>
  );
}
```

> Use your API [test keys](https://docs.stripe.com/keys.md#obtain-api-keys) while you test and develop, and your [live mode](https://docs.stripe.com/keys.md#test-live-modes) keys when you publish your app.

## Create a PaymentIntent [Server-side]

A [PaymentIntent](https://docs.stripe.com/api/payment_intents/object.md) represents your intent to collect payment from a customer and tracks the lifecycle of the payment process.

### Server-side

Create a `PaymentIntent` on your server and specify the `amount` to collect and the `eur` currency (giropay doesn’t support other currencies). If you have an existing [Payment Intents](https://docs.stripe.com/payments/payment-intents.md) integration, add `giropay` to the list of [payment method types](https://docs.stripe.com/api/payment_intents/create.md#create_payment_intent-payment_method_types).

```curl
curl https://api.stripe.com/v1/payment_intents \
  -u "<<YOUR_SECRET_KEY>>:" \
  -d amount=1099 \
  -d currency=eur \
  -d "payment_method_types[]=giropay"
```

Instead of passing the entire PaymentIntent object to your app, return its *client secret* (The client secret is a unique key returned from Stripe as part of a PaymentIntent. This key lets the client access important fields from the PaymentIntent (status, amount, currency) while hiding sensitive ones (metadata, customer)). The PaymentIntent’s client secret is a unique key that lets you *confirm* (Confirming an intent indicates that the customer intends to use the current or provided payment method. Upon confirmation, the intent attempts to initiate the portions of the flow that have real-world side effects) the payment and update payment details on the client, without allowing manipulation of sensitive information, like the payment amount.

### Client-side

On the client, request a PaymentIntent from your server and store its client secret.

```javascript
const fetchPaymentIntentClientSecret = async () => {
  const response = await fetch(`${API_URL}/create-payment-intent`, {
    method: 'POST',
    headers: {
      'Content-Type': 'application/json',
    },
    body: JSON.stringify({
      email,
      currency: 'eur',
      payment_method_types: ['giropay'],
    }),
  });
  const { clientSecret, error } = await response.json();

  return { clientSecret, error };
};
```

## Collect payment method details [Client-side]

In your app, collect your customer’s full name.

```javascript
export default function GiropayPaymentScreen() {
  const [name, setName] = useState();

  const handlePayPress = async () => {
    // ...
  };

  return (
    <Screen>
      <TextInput
        placeholder="Name"
        onChange={(value) => setName(value.nativeEvent.text)}
      />
    </Screen>
  );
}
```

## Submit the payment to Stripe [Client-side]

Retrieve the client secret from the PaymentIntent you created and call `confirmPayment`. This presents a webview where the customer can complete the payment on their bank’s website or app. Afterwards, the promise resolves with the result of the payment.

```javascript
export default function GiropayPaymentScreen() {
  const [name, setName] = useState();

  const handlePayPress = async () => {
    const billingDetails: PaymentMethodCreateParams.BillingDetails = {
      name,
    };
  };

  const { error, paymentIntent } = await confirmPayment(clientSecret, {
    paymentMethodType: 'Giropay',
    paymentMethodData: {
      billingDetails,
    }
  });

  if (error) {
    Alert.alert(`Error code: ${error.code}`, error.message);
  } else if (paymentIntent) {
    Alert.alert(
      'Success',
      `The payment was confirmed successfully! currency: ${paymentIntent.currency}`
    );
  }

  return (
    <Screen>
      <TextInput
        placeholder="Name"
        onChange={(value) => setName(value.nativeEvent.text)}
      />
    </Screen>
  );
}
```

## Optional: Handle post-payment events

Stripe sends a [payment_intent.succeeded](https://docs.stripe.com/api/events/types.md#event_types-payment_intent.succeeded) event when the payment completes. Use the Dashboard, a custom *webhook* (A webhook is a real-time push notification sent to your application as a JSON payload through HTTPS requests), or a partner solution to receive these events and run actions, like sending an order confirmation email to your customer, logging the sale in a database, or starting a shipping workflow.

Listen for these events rather than waiting on a callback from the client. On the client, the customer could close the browser window or quit the app before the callback executes, and malicious clients could manipulate the response. Setting up your integration to listen for asynchronous events also helps you accept more payment methods in the future. Learn about the [differences between all supported payment methods](https://stripe.com/payments/payment-methods-guide).

### Receive events and run business actions 

There are a few options for receiving and running business actions.

#### Manually

Use the Stripe Dashboard to view all your Stripe payments, send email receipts, handle payouts, or retry failed payments.

- [View your test payments in the Dashboard](https://dashboard.stripe.com/test/payments)

#### Custom code

Build a webhook handler to listen for events and build custom asynchronous payment flows. Test and debug your webhook integration locally with the Stripe CLI.

- [Build a custom webhook](https://docs.stripe.com/webhooks/handling-payment-events.md#build-your-own-webhook)

#### Prebuilt apps

Handle common business events, like [automation](https://stripe.partners/?f_category=automation) or [marketing and sales](https://stripe.partners/?f_category=marketing-and-sales), by integrating a partner application.

## Optional: Handle deep linking

When a customer exits your app (for example to authenticate in Safari or their banking app), provide a way for them to automatically return to your app. Many payment method types *require* a return URL. If you don’t provide one, we can’t present payment methods that require a return URL to your users, even if you’ve enabled them.

To provide a return URL:

1. [Register](https://developer.apple.com/documentation/xcode/defining-a-custom-url-scheme-for-your-app#Register-your-URL-scheme) a custom URL. Universal links aren’t supported.
1. [Configure](https://reactnative.dev/docs/linking) your custom URL.
1. Set up your root component to forward the URL to the Stripe SDK as shown below.

> If you’re using Expo, [set your scheme](https://docs.expo.io/guides/linking/#in-a-standalone-app) in the `app.json` file.

```jsx
import { useEffect, useCallback } from 'react';
import { Linking } from 'react-native';
import { useStripe } from '@stripe/stripe-react-native';

export default function MyApp() {
  const { handleURLCallback } = useStripe();

  const handleDeepLink = useCallback(
    async (url: string | null) => {
      if (url) {
        const stripeHandled = await handleURLCallback(url);
        if (stripeHandled) {
          // This was a Stripe URL - you can return or add extra handling here as you see fit
        } else {
          // This was NOT a Stripe URL – handle as you normally would
        }
      }
    },
    [handleURLCallback]
  );

  useEffect(() => {
    const getUrlAsync = async () => {
      const initialUrl = await Linking.getInitialURL();
      handleDeepLink(initialUrl);
    };

    getUrlAsync();

    const deepLinkListener = Linking.addEventListener(
      'url',
      (event: { url: string }) => {
        handleDeepLink(event.url);
      }
    );

    return () => deepLinkListener.remove();
  }, [handleDeepLink]);

  return (
    <View>
      <AwesomeAppComponent />
    </View>
  );
}
```

For more information on native URL schemes, refer to the [Android](https://developer.android.com/training/app-links/deep-linking) and [iOS](https://developer.apple.com/documentation/xcode/allowing_apps_and_websites_to_link_to_your_content/defining_a_custom_url_scheme_for_your_app) docs.


# Direct API

> This is a Direct API for when web-or-mobile is web and payment-ui is direct-api. View the full page at https://docs.stripe.com/payments/giropay/accept-a-payment?web-or-mobile=web&payment-ui=direct-api.

> The content of this section refers to a *Legacy* (Technology that's no longer recommended) product. You should use the [Accept a payment](https://docs.stripe.com/payments/accept-a-payment.md) guide for the most recent integration path instead. While Stripe still supports this product, this support might end if the product is deprecated.

giropay is a [single use](https://docs.stripe.com/payments/payment-methods.md#usage) payment method where customers are required to [authenticate](https://docs.stripe.com/payments/payment-methods.md#customer-actions) their payment. *Customers* (Customer objects represent customers of your business. They let you reuse payment methods and give you the ability to track multiple payments) pay with giropay by redirecting from your website, authorizing the payment, then returning to your website where you get [immediate notification](https://docs.stripe.com/payments/payment-methods.md#payment-notification) on whether the payment succeeded or failed. Because giropay is a single use payment method, it isn’t compatible with [SetupIntents](https://docs.stripe.com/api/setup_intents.md).

> Your use of giropay must be in accordance with the [giropay Terms of Service](https://stripe.com/giropay/legal).

## Set up Stripe [Server-side]

First, you need a Stripe account. [Register now](https://dashboard.stripe.com/register).

Use the official libraries for access to the Stripe API from your application:

#### Ruby

```bash
# Available as a gem
sudo gem install stripe
```

```ruby
# If you use bundler, you can add this line to your Gemfile
gem 'stripe'
```

## Create a PaymentIntent [Server-side]

A [PaymentIntent](https://docs.stripe.com/api/payment_intents/object.md) represents your intent to collect payment from a customer and tracks the lifecycle of the payment process.

Create a `PaymentIntent` on your server and specify the `amount` to collect and the `eur` currency (giropay doesn’t support other currencies). If you have an existing [Payment Intents](https://docs.stripe.com/payments/payment-intents.md) integration, add `giropay` to the list of [payment method types](https://docs.stripe.com/api/payment_intents/create.md#create_payment_intent-payment_method_types).

```curl
curl https://api.stripe.com/v1/payment_intents \
  -u "<<YOUR_SECRET_KEY>>:" \
  -d amount=1099 \
  -d currency=eur \
  -d "payment_method_types[]=giropay"
```

Instead of passing the entire PaymentIntent object to your app, return its *client secret* (The client secret is a unique key returned from Stripe as part of a PaymentIntent. This key lets the client access important fields from the PaymentIntent (status, amount, currency) while hiding sensitive ones (metadata, customer)). The PaymentIntent’s client secret is a unique key that lets you *confirm* (Confirming an intent indicates that the customer intends to use the current or provided payment method. Upon confirmation, the intent attempts to initiate the portions of the flow that have real-world side effects) the payment and update payment details on the client, without allowing manipulation of sensitive information, like the payment amount.

### Statement descriptors with giropay

giropay lets you provide a custom [statement descriptor](https://docs.stripe.com/get-started/account/statement-descriptors.md) when creating the PaymentIntent. This can be provided by setting the value for `statement_descriptor`.

## Collect payment method details [Client-side]

Create a payment form on your client to collect the required billing details from the customer:

| Field  | Value                                           |
| ------ | ----------------------------------------------- |
| `name` | The full name (first and last) of the customer. |

```html
<form id="payment-form">
  <div class="form-row">
    <label for="name">
      Name
    </label>
    <input id="name" name="name" required>
  </div>

  <!-- Used to display form errors. -->
  <div id="error-message" role="alert"></div>

  <button id="submit-button">Pay with giropay</button>
</form>
```

## Submit the payment to Stripe [Client-side]

When a customer clicks to pay with giropay, use Stripe.js to submit the payment to Stripe. [Stripe.js](https://docs.stripe.com/payments/elements.md) is the foundational JavaScript library for building payment flows. It automatically handles complexities like the redirect described below, and enables you to extend your integration to other payment methods. Include the Stripe.js script on your checkout page by adding it to the `head` of your HTML file.

```html
<head>
  <title>Checkout</title>
  <script src="https://js.stripe.com/dahlia/stripe.js"></script>
</head>
```

Create an instance of Stripe.js with the following JavaScript on your checkout page.

```javascript
// Set your publishable key. Remember to change this to your live publishable key in production!
// See your keys here: https://dashboard.stripe.com/apikeys
const stripe = Stripe('<<YOUR_PUBLISHABLE_KEY>>');
```

Pass the [client secret](https://docs.stripe.com/api/payment_intents/object.md#payment_intent_object-client_secret) of the `PaymentIntent` you created. The client secret is different from your API keys that authenticate Stripe API requests. Handle it carefully because it can complete the charge. Don’t log it, embed it in URLs, or expose it to anyone but the customer.

### Confirm giropay payment

Use [stripe.confirmGiropayPayment](https://docs.stripe.com/js/payment_intents/confirm_giropay_payment) to handle the redirect away from your page and to complete the payment. Add a `return_url` to this function to indicate where Stripe should redirect the user to after they complete the payment on their bank’s website or mobile application. You must also provide the user’s full name in the `billing_details` hash.

```javascript
var stripe = Stripe('<<YOUR_PUBLISHABLE_KEY>>');

// Redirects away from the client
const {error} = await stripe.confirmGiropayPayment(
  '{{PAYMENT_INTENT_CLIENT_SECRET}}',
  {
    payment_method: {
      billing_details: {
        name: "Jenny Rosen"
      }
    },
    return_url: 'https://example.com/checkout/complete',
  }
);

if (error) {
  // Inform the customer that there was an error.
}
```

### Handling the redirect

The following URL query parameters are provided when Stripe redirects the customer to the `return_url`.

| Parameter                      | Description                                                                                                                                   |
| ------------------------------ | --------------------------------------------------------------------------------------------------------------------------------------------- |
| `payment_intent`               | The unique identifier for the `PaymentIntent`.                                                                                                |
| `payment_intent_client_secret` | The [client secret](https://docs.stripe.com/api/payment_intents/object.md#payment_intent_object-client_secret) of the `PaymentIntent` object. |

You can also append your own query parameters when providing the `return_url`. They persist throughout the redirect process. The `return_url` should correspond to a page on your website that provides the status of the payment. You should verify the status of the `PaymentIntent` when rendering the return page. You can do so by using the `retrievePaymentIntent` function from Stripe.js and passing in the `payment_intent_client_secret`.

```javascript
(async () => {
  const url = new URL(window.location);
  const clientSecret = url.searchParams.get('payment_intent_client_secret');

  const {paymentIntent, error} = await stripe.retrievePaymentIntent(clientSecret);
  if (error) {
    // Handle error
  } else if (paymentIntent && paymentIntent.status === 'succeeded') {
    // Handle successful payment
  }
})();
```

You can find the payment owner’s verified full name on the resulting Charge under the [payment_method_details](https://docs.stripe.com/api/charges/object.md#charge_object-payment_method_details-giropay) property.

#### Json

```json
{
  "charges": {
    "data": [
      {"payment_method_details": {
          "giropay": {
            "verified_name": "Jenny Rosen"
          },
          "type": "giropay"
        },
        "id": "src_16xhynE8WzK49JbAs9M21jaR",
        "object": "source",
        "amount": 1099,
        "client_secret": "src_client_secret_UfwvW2WHpZ0s3QEn9g5x7waU",
        "created": 1445277809,
        "currency": "eur",
        "flow": "redirect",
        "livemode": true,
        "statement_descriptor": null,
        "status": "pending",
        "type": "giropay",
        "usage": "single_use"
      }
    ],
    "object": "list",
    "has_more": false,
    "url": "/v1/charges?payment_intent=pi_1G1sgdKi6xqXeNtkldRRE6HT"
  },
  "payment_method_options": {
    "giropay": {}
  },
  "payment_method_types": [
    "giropay"
  ],
  "id": "pi_1G1sgdKi6xqXeNtkldRRE6HT",
  "object": "payment_intent",
  "amount": 1099,
  "client_secret": "pi_1G1sgdKi6xqXeNtkldRRE6HT_secret_h9B56ObhTN72fQiBAuzcVPb2E",
  "confirmation_method": "automatic",
  "created": 1579259303,
  "currency": "eur",
  "livemode": true,
  "next_action": null
}
```

## Optional: Handle post-payment events

Stripe sends a [payment_intent.succeeded](https://docs.stripe.com/api/events/types.md#event_types-payment_intent.succeeded) event when the payment completes. Use the Dashboard, a custom *webhook* (A webhook is a real-time push notification sent to your application as a JSON payload through HTTPS requests), or a partner solution to receive these events and run actions, like sending an order confirmation email to your customer, logging the sale in a database, or starting a shipping workflow.

Listen for these events rather than waiting on a callback from the client. On the client, the customer could close the browser window or quit the app before the callback executes, and malicious clients could manipulate the response. Setting up your integration to listen for asynchronous events also helps you accept more payment methods in the future. Learn about the [differences between all supported payment methods](https://stripe.com/payments/payment-methods-guide).

### Receive events and run business actions 

There are a few options for receiving and running business actions.

#### Manually

Use the Stripe Dashboard to view all your Stripe payments, send email receipts, handle payouts, or retry failed payments.

- [View your test payments in the Dashboard](https://dashboard.stripe.com/test/payments)

#### Custom code

Build a webhook handler to listen for events and build custom asynchronous payment flows. Test and debug your webhook integration locally with the Stripe CLI.

- [Build a custom webhook](https://docs.stripe.com/webhooks/handling-payment-events.md#build-your-own-webhook)

#### Prebuilt apps

Handle common business events, like [automation](https://stripe.partners/?f_category=automation) or [marketing and sales](https://stripe.partners/?f_category=marketing-and-sales), by integrating a partner application.

## Optional: Handle the giropay redirect manually

We recommend relying on Stripe.js to handle giropay redirects and payments client-side with `confirmGiropayPayment`. Using Stripe.js helps extend your integration to other payment methods. However, you can also manually redirect your customers on your server by following these steps:

1. Create and *confirm* (Confirming an intent indicates that the customer intends to use the current or provided payment method. Upon confirmation, the intent attempts to initiate the portions of the flow that have real-world side effects) a PaymentIntent of type `giropay`. You must provide the `payment_method_data.billing_details.name` property, which you should collect from your customer. Note that, by specifying `payment_method_data`, a PaymentMethod is created and immediately used with this PaymentIntent.

   You must also provide the URL where your customer is redirected to after they complete their payment in the `return_url` field. You can optionally provide your own query parameters in this URL. These parameters will be included in the final URL upon completing the redirect flow.

#### Ruby

```ruby

# Don't put any keys in code. See https://docs.stripe.com/keys-best-practices.
# Find your keys at https://dashboard.stripe.com/apikeys.
Stripe.api_key = '<<YOUR_SECRET_KEY>>'

payment_intent = Stripe::PaymentIntent.create({
  confirm: true,
  amount: 1099,
  currency: 'eur',
  payment_method_types: ['giropay'],
  payment_method_data: {
    type: 'giropay',
    billing_details: {
      name: 'Jenny Rosen',
    },
  },
  return_url: 'https://example.com/checkout/complete',
})
```

1. Check that the `PaymentIntent` has a status of `requires_action` and the type for `next_action` is `redirect_to_url`.

#### Json

```json
{"status": "requires_action",
  "next_action": {
    "type": "redirect_to_url",
    "redirect_to_url": {
      "url": "https://hooks.stripe.com/...",
      "return_url": "https://example.com/checkout/complete"
    }
  },
  "id": "pi_1G1sgdKi6xqXeNtkldRRE6HT",
  "object": "payment_intent",
  ...
}
```

1. Redirect the customer to the URL provided in the `next_action.redirect_to_url.url` property. This code example is approximate—the redirect method might be different in your web framework.

#### Ruby

```ruby
if payment_intent.status == 'requires_action' && payment_intent.next_action.type == 'redirect_to_url'
  url = payment_intent.next_action.redirect_to_url.url
  redirect(url)
end
```

Your customer is redirected to the `return_url` when they complete the payment process. The `payment_intent` and `payment_intent_client_secret` URL query parameters are included along with any of your own query parameters. Stripe recommends setting up a [webhook endpoint](https://docs.stripe.com/payments/payment-intents/verifying-status.md#webhooks) to programmatically confirm the status of a payment.