The online payment method of banks and savings banks. With giropay you address all the customers, who want to use a safe and simple payment method.
learn more
giropay is the new online payment method of German banks with more than 50 million online current accounts. The main focus of giropay is the proven current account, over which the entire transaction is made.
Settlement via the current account enables a fast and secure payment process for the customer. For you, this also means an immediate payment guarantee with the proven security standards of German banks.
All Micropayment merchants can offer this new payment service to their customers now. The prerequisite is the management of a business bank account at one of the participating banks. We are happy to advise you.
Sales in e-commerce are increasing as is the desire for secure online payment.
Micropayment is your payment service provider and merchant concentrator for giropay.The merchant concentrator is responsible for charging the merchants and owes the negotiated transaction fees to the buyers' bank.
Benefit from the strength of Micropayment as a "full-service payment service provider" and use all payment methods from a single source!
After the customer has decided for an article in your webshop, he selects giropay as a payment method. With a few clicks, the goods are paid. After authorization of the payment amount by the bank of the buyer, you will receive a payment confirmation and can ship the goods immediately. For the security of your customers giropay asks for selected transactions in some cases in addition to the access data and a TAN to confirm the purchase.
giropay offers another way to easily and securely participate in the online payment process of German banks and savings bank with the new merchant concentrator model. Use Micropayment as a merchant concentrator and save yourself tedious, individual contract and fee negotiations with each individual customer bank! As a merchant concentrator, Micropayment creates one fee offer for all banks quickly and easily from one source.
You conclude one contract with Micropayment and Micropayment handles all the communication to each individual bank.
As a merchant concentrator, Micropayment creates one uniform fee structure so that you and your customers are satisfied.
Do you have questions about a specific bank? Micropayment handles the communication for you.
source: YouTube sparkasse
With giropay, your customers' data is encrypted with the same security standards as online banking. giropay complies with the strictest German data protection and data security regulations, which are considered to be the most stringent in the world. For example, giropay and the participating banks do not pass on or sell cart information to third parties.
The direct connection to the bank account of the end customer allows an automatic transmission of payments and a payment guarantee. This protects you against payment defaults and time-consuming payment processing.
giropay has made it a policy to not interfere in the transaction between merchant and customer. Only if your customer wants to take advantage of the giropay buyer protection, giropay will request a shipping receipt for the rejected goods shipment.
After authorization by the bank of the buyer, you as a seller receive a confirmation of payment and can ship the goods immediately.
chooses giropay as payment method in the merchant's webshop after deciding on an article.
merchant initiates payment process and submits the transaction data to Micropayment
provides payment transaction processing data and sends it to the merchant and the buyer bank
buyer logs in to giropay and confirms the displayed payment with his access data and a TAN
You already have a shop software in use and would like to integrate further payment systems? We offer you a fast and comfortable solution with our ready-to-use payment modules.
Online payment made easy, quickly integrated and ready for use - ready-to-use payment windows and preconfigured shop plugins allow immediate action In addition, Micropayment also offers white label APIs and interfaces for integration into numerous existing systems.
With our API solutions, you adjust your incoming payments exactly as you wish
Register as a partner and benefit from our experience and solutions. Our products are constantly evolving and optimized to provide the best possible efficiency.
Our payment systems are offered as ready-made web solutions. The integration of Micropayment payment systems ist therefore really easy.
view web solution
This payment method can also be accessed via our
API interfaces. The connection to our interfaces results in unimagined freedoms.
Micropayment actively protects merchants against fraud and fake bookings. Depending on the payment method and service, appropriate security modules are used or optionally offered.
security modules
PAYMENT SERVICE FOR YOUR INDUSTRY - as individual as your customers.
learn more
The IT infrastructure and the complete application level of Micropayment has been certified according to the Payment Card Industry Data Security Standard (PCI: DSS) Level 1.
view certificateKlaus Schmitt
managing Director
"With Micropayment we can offer many different payment types
through a single interface, and what´s more, it´s easy to use." [ read interview ]
Marcus Seidel
managing Director
"As a reliable business partner, Micropayment helps to offer our services safely,
allows an individual integration into our online shop and supports always our controlling." [ read interview ]
Benjamin Akilli
VP Sales
"We are very glad that we always have a personal, competent contact at Micropayment which
we can contact if we need specific feedback on individual transactions." [ read interview ]
Marco Wibben
Logistics, Finance & IT
"Micropayment guarantees that the entire payment process is processed securely in our donors´ interests. [ read interview ]
Arndt Aschenbeck
managing Director
"Micropayment has been helping me to process my online payments quickly and reliably since 2008.
During this time, I have been given assistance with technical and organisational issues by the same contact person." [ read interview ]
We can support you in the following points with a strategic partnership:
Best possible advice is our mission. We support you in the realization and marketing of your productse. Please call:
free of charge from German landline
Do you have questions about our payment methods or about the use of our systems? Please contact us by e-mail. We will reply as soon as possible.
Your conditions depend on the line of business of the product or the service, the transaction volume and the average amount of the payment. With this information, our sales team is able to find the right condition model for your project. Contact us for your personal offer.
giropay is used throughout Germany and is a popular means of payment. giropay can be used for the entire range of online distributable products - from digital goods to e-commerce. By setting up a giropay account, you can accept payments throughout Germany or send them yourself.
Bank customers tend to be very loyal to their financial institutions, but they are also used to the convenience of an online payment method - giropay ideally meets these two needs.
