giropay is an online bank transfer payment method based on PIN and TAN, offered by more than 1,500 banks and savings banks in Germany.
Users can shop or pay bills online by selecting giropay and their bank, or simply by clicking on the QR-code or giropay button in a pdf invoice, to be re-directed to their online banking. They log in, review the pre-filled payment details and authorise payment with a TAN. Their bank account information and transaction details remain fully protected and secure.
When consumers check out, they can use giropay directly without any additional registration. For low value payments up to €30, customers of participating banks can pay without a TAN.
Online merchants accepting giropay receive a payment guarantee. There are over 45 million online banking customers who use giropay (54% overall population).
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