The client selects giropay and enters the bank code of his bank
The shop generates a request message and sends it via HTTPS POST request to the web service “
Check bank status”
The shop receives a reply that states whether or not a giropay transaction is possible with this bank code. If the specified bank code does not support giropay, the client needs to be offered the opportunity to enter another bank code.
If the bank specified by the client does support giropay, the shop generates a request message and sends it via HTTPS POST request to the web service “
Initialize giropay payment”
GiroCheckout verifies the data. If there is an error, a reply with an error message is returned
GiroCheckout initializes the payment in the giropay system
The giropay system transmits to GiroCheckout the result along with the redirect
URL to the online banking system
GiroCheckout sends a reply message to the shop. In case of success, the reply contains the redirect
URL to the online banking system. In case of an error, the giropay payment is thus finished.
As a reply to step 4, the shop sends a redirect to the redirect
URL received in step 7 to the client.
The client's browser redirects to the corresponding online banking platform.
The online banking platform displays the login page to the client and afterwards the giropay transfer data.
The client logs in using his user name and PIN and authorizes the transfer with a TAN (iTAN, mTAN, etc.).
The client's bank processes the giropay transfer.
The bank transmits the result of the giropay transfer to giropay.
giropay transmits the result to GiroCheckout.
GiroCheckout informs the shop about the outcome of the payment. This is done via a call to the GiroCheckout web service “
Payment outcome notification”.
The shop verifies the transmitted values and marks the corresponding order as “paid” in case of success.
The shop sends an HTTP status code to GiroCheckout as confirmation of the shop notification.
GiroCheckout sends giropay the return
URL of the shop as answer to step 14.
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