Giropay: Germany's real-time bank transfer (a2a)
German bank-transfer scheme (being phased out by 2024–2026).
How the Giropay flow works
Giropay is a real-time bank transfer (a2a) available in Germany. Full public profile pending — contact us to prioritise this method.
Typical use cases
- Merchants selling to consumers in Germany.
Consumer reach
Available to consumers in Germany.
Who should accept Giropay
- Merchants targeting the Germany market.
Operational detail
The operational half of every method profile — settlement, refunds, disputes, PSP coverage and licensing — is reserved for Payment Methods List founding partners. It's the part vendor sites won't publish and the part that actually decides whether Giropay works for your stack.
Settlement time
How fast Giropay funds land after the payer confirms, behaviour outside scheme hours, whether the rail settles gross or net, and the realistic T+n to sweep to USD/EUR — plus the PSPs where the advertised timeline actually holds in Germany.
Book a founding-partner call →Refund mechanics
How Giropay refunds are executed end-to-end when the rail has no scheme-level reversal — payer-initiated pulls, credit transfers, or PSP-fronted refunds — plus partial-refund support, time limits, and the API surface each PSP exposes.
Book a founding-partner call →Chargeback exposure
Whether Giropay has any dispute construct at all, which recall/return/indemnity vectors actually exist on the rail, how consumer-protection rules in Germany route claims back to merchants, and observed loss rates versus cards.
Book a founding-partner call →PSP coverage matrix
Which acquirers and aggregators run direct rail connections to Giropay vs. reselling a partner, coverage depth and reliability, effective pricing bands, and who to pick when Germany volume is your primary use case.
Book a founding-partner call →KYC & licensing notes
Requirements to accept Giropay — local entity vs. cross-border MoR, licensing regime governing the rail in Germany, KYC obligations at onboarding and per-transaction, and FX/reporting rules for foreign merchants.
Book a founding-partner call →