Giropay
Last updated: April 29, 2022
Start accepting payments using Giropay, a favorite payment method in Germany.
Giropay provides a method to make purchases online through quick and easy bank transfers that are not only secure but guaranteed.
Information
To start accepting Giropay payments, please contact your Account Manager.
Model | Collecting |
---|---|
Payment flow | Redirect |
Payment method type | Online banking |
One-step payment | |
Authorization | |
Capture | |
Refund | |
Partial refund | |
Chargeback | |
Recurring payment |
Giropay payments follow a two-step process:
Use the details below to set up your request.
You can find the full list, as well as complete request and response examples, in our API reference.
post
https://api.checkout.com/payments
1{2"source": {3"type": "giropay",4"purpose": "Mens black t-shirt L"5},6"amount": 1914,7"currency": "EUR",8"success_url": "http://example.com/payments/success",9"failure_url": "http://example.com/payments/fail"10}
Information
If a customer ID or email is not provided in the request, then we automatically create a customer profile and return the customer id
in the response.
If you receive a 202 Success
response containing a status field set to Pending
, then your request was successful.
1{2"id": "pay_d3ohhwwu3qderfjlzitknc26sq",3"status": "Pending",4"customer": {5"id": "cus_hfgq4ctsnr6e3cfhq5ctwb5gtu"6},7"_links": {8"self": {9"href": "https://api.sandbox.checkout.com/payments/pay_d3ohhwwu3qderfjlzitknc26sq"10},11"redirect": {12"href": "https://ftg-customer-integration.giropay.de/ftgbank/b/bankselection/219499703994809788;jsessionid=8ECFE1809F9BAB6635EC9D37D98A1CAE.sf-testapp01tom21?op=001"13}14}15}
Redirect your customer to the redirect
link’s href in the response. This will send them to a Giropay bank selection page where they will select their bank before being transferred to that bank's page to enter their authorization details. If successful, the payment can be approved.
Once they've completed this step, the customer is transferred to your predefined success or failure URL. Confirmation of a Giropay payment is communicated only through webhooks. When you receive a payment_captured
webhook notification, the transaction has been completed successfully. Until the payment_captured
webhook is received (response code 10000
), all payments are labeled as Pending.
Retrieve details about an existing Giropay payment with the following endpoint.
You can find the full list, as well as complete request and response examples, in our API reference.
get
https://api.checkout.com/payments/{payment_id}
1{2"id": "pay_iilqeu2rsdqedkvkjhl2rxgbvy",3"created_on": "2018-03-28T14:50:26Z",4"source": {5"type": "giropay",6"purpose": "Set of three masks",7"bic": "TESTDETT421",8"iban": "DE46940594210000012345",9"account_holder_name": "Test GmbH & Co. KG"10},11"amount": 1914,12"currency": "EUR",13"payment_type": "Regular",14"status": "Captured",15"flagged": false,16"_links": {17"self": {18"href": "https://api.checkout.com/gateway/payments/pay_iilqeu2rsdqedkvkjhl2rxgbvy"19}20}21}
Giropay supports both partial and full refunds. You can refund a payment through the hub or using the refund API.
If the customer fails to complete their payment, we will automatically void the payment and send a payment_expired webhook
.
If the customer cancels their payment, we will send a payment_canceled
webhook.
Note
To start testing, you'll need to:
- create a test account, and
- contact your Account Manager or Integrations engineer to activate Giropay payments in the sandbox environment.
- Create a Giropay transaction as above, following the redirect link in the response to Giropay's bank selection page.
- Select the bank ("Wählen Sie Ihre Bank aus"):
- BIC: TESTDETT421
- Name: Sparkasse Testinstitut-421 94059421 TESTDETT421.
- Select Weiter zu meiner Bank and await redirection to the bank's page.
- Log in with the following details:
- Anmeldename oder Legitimations-ID:
chiptanscatest2
- PIN:
12345
- Select Jetzt bezahlen to continue.
- Scroll to the end of the next page, select Optischer TAN and then select Jetzt bezahlen.
- Scroll to the end of the next page, enter
123456
in the TAN field and select Login. - On the next page, select Weiter.
- You will then again need to enter
123456
in the TAN field before selecting Jetzt bezahlen. You should then be redirected to your predefined success URL.