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About giropay
General information about giropay
giropay is a standard founded by the German banks Sparkasse, Postbank, Volks- und Raiffeisen Banken. The giropay online transfer has a number of advantages for merchants. Firstly giropay provides the vendor with a guarantee for payments of up to 10,000 euros; secondly the transfer is a prepayment which minimises the payment term. Finally the customer is using the familiar and trusted online banking of its own credit institution, just the same as with online banking.
In the first step the customer chooses the giropay payment method at the checkout of the online shop and selects its credit institution. The customer is then connected directly to its Sparkasse/bank and logs on as normal using a PIN. A pre-completed transfer form then appears. The customer need only enter their TAN to confirm the payment.
With online banking, the data disclosed in the online transfer is encrypted with SSL (Secure Sockets Layer) to prevent manipulation.
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Further information can be found on the webpage of giropay (http://www.giropay.de).
Process flow chart
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giropay process flow
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Calling the giropay interface
To initiate a payment with giropay, call up please use the following URL:
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Notice: Please observe that a connection via iFrame is not possible due to existing regulations and will be technically prevented.
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Parameters for online transfers with giropay
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Result parameters for URLNotify, URLSuccess and URLFailure in case of giropay
Verification of the online status of giropay banks
With
merchants can check which banks are online before processing the payment and thereby enable the giropay payment. For this verification call up please use the following URL: Multiexcerpt include SpaceWithExcerpt EN MultiExcerptName Platform-Name PageWithExcerpt Wording
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The following table describes the encrypted payment request parameters:
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Parameters for verification of the online status of giropay banks
Please transfer the Merchant-ID both in the unencrypted as well as the encrypted string.
The following table describes the result parameters, which
sends in response: Multiexcerpt include SpaceWithExcerpt EN MultiExcerptName Platform-Name PageWithExcerpt Wording
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Result parameters for requesting the giropay banks
Credit with reference
Credits (refunds) are possible via a Server-to-Server connection. The
permits only credits for giropay that reference a previously made transaction via Multiexcerpt include SpaceWithExcerpt EN MultiExcerptName Platform-Name PageWithExcerpt Wording
. The amount of the credit is limited to the amount of the previous capture. Multiexcerpt include SpaceWithExcerpt EN MultiExcerptName Platform-Name PageWithExcerpt Wording
To carry out a credit with a reference transaction, please use the following URL:
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Parameters for credits of giropay payments
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Result parameters for credits of giropay payments
Batch processing via the interface
Information about using Batch files and their structure can be found in the Batch Manager manual. Within batch processing not alle functions are available which are usually available for the online interface. Multiexcerpt include SpaceWithExcerpt EN MultiExcerptName Batch_Intro PageWithExcerpt Reuse API
This section describes the parameters which must be transferred within the data set (Record) for executing a giropay payment and which information can be found within the response file about the payment status.
Notice: Please note that Batch processing for giropay is possible only via PPRO connection.
Following table gives an overview of all batch versions that are possible for a specific action an their specialities:
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Description of the possible batch versions
The structure for a giropay payment within a Batch file to be submitted is the following:
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Example for Master MID function:
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The following table describes the individual fields and values used within the data set (record) within the batch file: Multiexcerpt include SpaceWithExcerpt EN MultiExcerptName Batch_Request_Intro PageWithExcerpt Reuse API
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Description of fields within the record for Batch files
The record area within the response file for Batch transactions looks the following way:
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The following table describes the response parameters which the Batch Manager saves in the Record area for each transaction (standard parameters not explained here, such as <TransID> or <RefNR> and request parameters are returned unchanged and correspond to the call as specified in): Multiexcerpt include SpaceWithExcerpt EN MultiExcerptName Batch_Response_Intro PageWithExcerpt Reuse API
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Description of result parameters within the record for Batch files