giropay is a German online payment method that is supported by over 1,500 German banks. When selecting giropay, customers will be prompted to select their bank and then to sign in to their online banking account. After reviewing the pre-filled payment details, they can agree to the payment, before being redirected back to your website. Once completed, you will receive confirmation via a URL notification.



Supported customer countries DE
Supported currencies
Protect Plus Supported.
Refunds Full and partial refunds supported (permitted for up to 365 days).
Chargebacks Payments are not subject to chargebacks.




To enable this payment method on your account, please get in touch with your account manager.
A test sandbox account will be provided, which you will need when testing your implementation.
Modify your POST to Payment Pages as needed:


Field name Required by PPg Required in POST Description
No No Valid BIC (Bank Identifier Code) of customer’s bank. This field value must have a length of either 8 or 11.
billingcountryiso2a Yes No The country entered for the billing address, using ISO2A format.
billingfirstname Yes No The billing first name.
billinglastname Yes No The billing last name.
ruleidentifier No No
If your POST to the Payment Pages already includes all fields required by the payment method, you can streamline the checkout process for the customer by also submitting ruleidentifier=STR-14.


This allows the customer’s browser to immediately go to the pages hosted by the payment method to complete the transaction. (We refer to this as Workflow C)





Once a payment has been authorised, funds will be settled at a later time, as determined by giropay.

The settlement notification may not be sent immediately after processing the payment.

In the unlikely event that payment is still pending settlement after 7 days (settlestatus “10”), this will be scheduled for investigation and we will contact you with further information.


Before you begin testing, we recommend that you contact our Support team and request that rules are enabled on your account, which submit URL notifications to your system in the following scenarios:


Configuring the authorisation notification

We recommend including at least the following fields in your authorisation notification:

*Please choose your preferred format.


Configuring the settlement notification

We recommend including the following fields in your settlement notification:


Check the notification

You will need to check the contents of each notification received and respond accordingly by following the processes outlined in the “URL notifications” section of our Action types page. In particular, you will need to look at the updated settlestatus value:

Cancelled transactions (settlestatus “3”) may be settled at a later time. In situations where the customer has completed the steps required to fulfil the payment, the settlestatus is updated to “100” to indicate the funds have been transferred to your account.


If you have contacted the Support Team to configure settlement notifications (as described above), you will be notified when this occurs.




You will need to test your solution before you can begin processing live payments. Test transactions are processed through your test Site Reference.


You will need to contact our Support team, providing your giropay test account details. We will then configure your test site reference to connect directly to the giropay testing environment.

When performing test transactions, your browser will be redirected to the giropay testing environment to simulate a payment. Other than this, the process will be exactly the same as processing live payments.




After processing a payment, it is possible to refund the customer using MyST.

Refunds for giropay are settled immediately (settlestatus “100”).