giropay is a German payment method that simplifies online purchases through fast, secure and guaranteed bank transfers.

It is an online banking-based payment method that allows customers to complete transactions online, with funds directly debited from their bank accounts. Depending on their bank, customers may confirm payments using a second-factor authentication or a PIN.

How to use giropay

The journey proceeds as follows:

1. On the merchant’s website, the customer chooses to pay online via giropay.
2. The customer is guided to a page where they can select their preferred bank and is redirected to the bank’s online banking page.
3. Following this, the customer securely logs in to their chosen bank using their account credentials.
4. A transaction summary is then presented to the customer, enabling them to review all transaction details prior to authorizing the payment.
5. Once authorized, a transaction confirmation promptly reassures the customer, while the consumer is redirected to the merchant’s website.
6. Merchant is notified of the successful payment.

How it works

Below you will find a detailed overview of the key steps essential for integrating the giropay payment method.

Step 1: Create the Order

Step 2: Get the Payment Link

Step 3: Get the Payment Status

Step 1: Create the Order

Ensure you have initiated the order request with giropay (“GRPY”) selected as the designated payment method (transaction.paymentMethod) and configured the customer’s language preference in customerInfo.customerLanguage.

Step 2: Get the Payment Link

Follow the instructions provided to obtain the payment link, to redirect the customer to a secure payment page for authentication and payment authorization.

Please be aware that the request below requires an Authorization Header containing the transactionSignature obtained on the previous step.

Endpoints:

Ensure that you include these essential elements as specified:

Header parameters:

Request parameters:

Here’s a model of how to get the payment link:

{
 "userAcceptanceIndicator": true,
 "gatewayId": "giropay",
 "info": {
 "deviceInfo": {
 "browserAcceptHeader": "application/json, text/plain, */*",
 "browserJavaEnabled": "false",
 "browserLanguage": "en",
 "browserColorDepth": "24",
 "browserScreenHeight": "1080",
 "browserScreenWidth": "1920",
 "browserTZ": "-60",
 "browserUserAgent": "Mozilla/5.0 (Windows NT 10.0; WOW64) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/106.0.0.0 Safari/537.36",
 "geoLocalization": "Lat: 38.7350528 | Long: -9.2143616",
 "systemFamily": "Windows",
 "systemVersion": "Windows",
 "deviceID": "498bfd4c3a3645b38667a7037b616c18",
 "applicationName": "Chrome",
 "applicationVersion": "106"
 },
 "customerInfo": [
 {
 "key": "customerName",
 "value": "Test Name"
 },
 {
 "key": "customerEmail",
 "value": email@provider.com
 }
 ],
 "accountInfo": {
 "holderName": "Test Name",
 "customerCountry": "DE"
 }
 },
 "merchant": {
 "merchantURL": https://egadget2.azurewebsites.net/#/returns?id={{transactionId}}
 }
}

After successfully completing the operation, a ‘pending’ paymentStatus is received.

The user is then redirected to a payment confirmation environment before being seamlessly returned to the merchant’s URL.

Step 3: Get the Payment Status

You can perform a “Get Status” operation to check the status at any time.

The Authorization HTTP header is set to the Bearer token as it was used in the initial Checkout.

GET {transactionID}/status

Request URL:

https://stargate-cer.qly.site1.sibs.pt/api/v1/payments/{transactionID}/status

Request Headers:

Authorization: ‘Bearer <AuthToken>’
X-IBM-Client-Id: ‘<ClientId>’
Content-Type: application/json

A successful technical response comprises of an HTTP-200 status and a returnStatus.statusCode=”000″.

Here are some examples of the possible result codes: