Giropay is an interbank system, introduced by the German banks in 2005 as the official payment method for online banking. It is accessible by more than 40 million shoppers and accounts for 16% of all online transactions in Germany.

Features

Available country codes	DE
Processing currencies	EUR
Settlement currencies	EUR
Minimum transaction amount	1.00 EUR
Maximum transaction amount	No limit. Up to 10.000 EUR - payment guaranteed* Over 10.000 EUR - payment not guaranteed
Refunds	✅
Partial Refunds	✅
Multiple partial refund	✅
Chargeback	❌

*giropay contractually guarantees the payment for up to 6 weeks after the initial transaction.

Integration Method

Payment method enumeration values: giropay

There is integration method for Giropay

1. Direct API
2. Checkout

Direct API

How to integration

For direct API integration, you can create a PaymentIntent and get url in only one step. The following is the demo of creating payment intent:

Create a PaymentIntent

A PaymentIntent is an object that represents your intent to collect payment from your customer and tracks the lifecycle of the payment process. Create a PaymentIntent on your server and specify the amount to collect and a supported currency. If you have an existing Payment Intents integration, add giropay to the list of payment method types.

Please note that for this payment method, you need to specify the country in billing_details.address as Germany, which country code is DE.

Request Create a PaymentIntent

{
    "amount": 2000,
    "currency": "EUR",
    "confirm": true,
    "payment_method_data": {
        "type": "giropay",
        "billing_details": {
            "address": {
                "country": "DE"
            },
            "firstName": "",
            "lastName": ""
        }
    },
    "return_url": "https://wooshpay.com"
}

Response

{
    "id": "pi_1670644604036186112",
    "object": "payment_intent",
    "created": 1687147687000,
    "livemode": false,
    "currency": "EUR",
    "amount": 2000,
    "status": "requires_action",
    "client_secret": "pi_1670644604036186112_secret_9UHXdOLAE1WV7A1UCIjH8nMP",
    "next_action": {
        "type": "redirect_to_url",
        "giropay_handle_redirect": {
            "url": "https://r3.girogate.de/ti/simgiropay?tx=2090827518&rs=33tiT9GdES3vl4zIQ4ShK4Sw3NsvymQj&cs=0981d204f358af0d05ea4aa49a2b678fbe36aa4f13af2624441385921431f7a6"
        }
    },
    "payment_method_types": [
        "giropay"
    ],
    "confirmation_method": "automatic",
    "return_url": "https://wooshpay.com",
    "payment_method": "pm_1670644603939717120",
    "capture_method": "automatic"
}

Checkout

Payment flow

1. Customer selects Giropay from the list of payment methods available and clicks on the Pay botton

2. Customers will be redirected to Giropay's page

3. Customers select their bank and approve payment via online banking

Create a seesion

Request Create a Session

{
    "cancel_url": "www.wooshpay.com",
    "mode": "payment",
    "success_url": "https://wooshpay.com/",
    "payment_method_types": [
        "giropay"
    ],
    "line_items": [
        {
            "price_data": {
                "currency": "EUR",
                "product": null,
                "unit_amount": 2000,
                "product_data": {
                    "name": "apple"
                },
                "billing_scheme": "testscheme",
                "lookup_key": "test_lookup_key"
            },
            "quantity": 1
        }
    ]
}

Response

{
    "id": "cs_1680883889586831360",
    "object": "checkout.session",
    "created": 1689588923000,
    "livemode": false,
    "currency": "EUR",
    "customer": "",
    "mode": "payment",
    "status": "open",
    "url": "https://checkouttest.wooshpay.com/pay/cs_test_1680883889586831360?key=pk_test_NTE2Njk1Mjk1ODMxNjAwMDQ2MDkxOmVqUkVxaWdMOVNQSGpRdmV0ZXUxZFBmcTE2ODY4ODE4NDY0MTg",
    "cancel_url": "www.wooshpay.com",
    "line_items": {
        "object": "list",
        "data": [
            {
                "id": "li_1680883889620385792",
                "object": "item",
                "currency": "EUR",
                "description": "apple",
                "price": {
                    "id": "price_1680883889632968704",
                    "object": "price",
                    "created": 1689588923000,
                    "livemode": false,
                    "active": false,
                    "currency": "EUR",
                    "product": {
                        "id": "prod_1680883889641357312",
                        "object": "product",
                        "created": 1689588923000,
                        "livemode": false,
                        "active": false,
                        "name": "apple",
                        "updated": 1689588923000
                    },
                    "type": "one_time",
                    "unit_amount": 2000,
                    "billing_scheme": "per_unit",
                    "lookup_key": "test_lookup_key"
                },
                "quantity": 1,
                "amount_subtotal": 2000,
                "amount_total": 2000
            }
        ]
    },
    "payment_intent": "pi_1680883889804935168",
    "payment_method_types": [
        "giropay"
    ],
    "payment_status": "unpaid",
    "success_url": "https://wooshpay.com/",
    "amount_subtotal": 2000,
    "amount_total": 2000,
    "billing_address_collection": "auto",
    "expires_at": 1689675323250,
    "payment_link": "",
    "client_secret": "pi_1680883889804935168_secret_oOaiHu8k190zNlX9zeIV5xkl"
}

Next step

You can add more features to your integration as needed

Create a Webhook

Listen to events on your WooshPay account so your integration can automatically trigger reactions. Create a webhook that mainly focuses on enabled_events and url.

Create a Refund

Create a refund to repay funds to your customer. You can also perform partial refunds, but not every payment method supports them. A partial refund is when you refund only part of the original transaction amount.