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Giropay integration

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Worldline Sips is a secure multi-channel e-commerce payment solution that complies with the PCI DSS standard. It allows you to accept and manage payment transactions by taking into account business rules related to your activity (payment upon shipping, deferred payment, recurring payment, payment in instalments, etc.).

The purpose of this document is to explain the Giropay means of payment integration into Worldline Sips.

This document is intended to help you implement the Giropay means of payment on your e-commerce site.

It includes:

  • functional information for you
  • implementation instructions for your technical team

To get an overview of the Worldline Sips solution, we advise you to consult the following documents:

  • Functional presentation
  • Functionality set-up guide

Giropay is a popular mean of payment in Germany, based on real-time bank transfers.

Payments made by Giropay are 100% guaranteed.

When the customers choose to pay for their order using Giropay, they must first of all choose their bank by taping their bank code. Once redirected to the interface of their bank, all they have to do is to authenticate themselves and confirm the bank transfer.

To use Giropay, your customers don't need to create a specific account; all that is required is that their bank allows Giropay payments.

Payment channels
Internet V Default payment channel
Fax X
Means of payment
Immediate payment V Default method
End-of-day payment X
Deferred payment X
Payment upon shipping X
Payment in instalments X
Subscription payment X
Batch payment X
OneClick payment X
Currency management
Multicurrency acceptance X EUR only
Currency settlement X EUR only

The customer selects the Giropay means of payment.

They are then redirected to the required information entry page:

bank code and IBAN or account number

After providing the required information, the customer is redirected to the verification page for a Giropay payment:

The payment ticket is displayed, then the customer returns to your website.

Attention: the identification pages differ depending on the customer's online banking authentication method (the pages shown here are just an example).

In order to offer the Giropay means of payment on your website, you have to sign an acceptance contract with Worldline Sweden. Thereafter, you transmit us the contract number for recording in our information system.

You can offer the Giropay means of payment through the Sips Paypage which directly acts as the payment interface with customers via their web browser.

The only remittance mode available for a Giropay transaction is the immediate mode (the transaction remittance is executed at the time of the online payment acceptance).

The diagram below explains the different transaction statuses according to the chosen capture mode:

if capture mode equals to AUTHOR_CAPTURE, moving to Author_capture, and then captured if respondecode equals to 00 else refused.

The payment process for Sips Paypage is described below:

The customer proceeds with the payment (order finalisation). After the customer is redirected to the SIPS payment page. The customer selects GIROPAT, then selects his/her bank. He/she is redirected to his/her online bank for authentification. Then the customer is redirected back to SIPS payment finalisation. Also the customer is redirected to your website (manual response). The SIPS server sends an automatic response to your website (automatic response).

The following fields have a particular behaviour:

Field name Remarks/rules
captureMode Tհe value sent in the request is ignored.
The capture mode is forced to AUTHOR_CAPTURE.
captureDay Tհe value sent in the request is ignored.
The capture delay is forced to 0.
customerLanguage Allows to choose the language used on Worldline Sips and Giropay pages.
paymentPattern Tհe value sent in the request is ignored.
The payment type is forced to ONE_SHOT.
statementReference The value sent will appear on your account statement. The allowed characters are [a-zA-Z0-9 /\+=.].

The following table summarises the different response cases to be processed:

Status Response fields Action to take
Payment accepted acquirerResponseCode = 00
authorisationId = (cf. the Data Dictionary).
captureDay = forced to 0.
captureMode = forced to AUTHOR_CAPTURE.
You can deliver the order.
Acquirer refusal acquirerResponseCode = (cf. the Data Dictionary). The authorisation is refused for a reason unrelated to fraud.
If you have not opted for the "new payment attempt" option (please read the Functionality set-up Guide for more details), you can suggest that your customer pay with another means of payment by generating a new request.
Refusal due to the number of attempts reached responseCode = 75 The customer has made several attempts that have all failed.
Refusal due to a technical issue acquirerResponseCode = 90-98
responseCode = 90, 99
Temporary technical issue when processing the transaction. Suggest that your customer redo a payment later.

For the complete response codes (responseCode) and acquirer response codes (acquirerResponseCode), please refer to the Data dictionary.

The Giropay means of payment acceptance is not available through the Sips Office solution.

No transaction management operation is available with the Giropay mean of payment.

The reports provided by Worldline Sips allow you to have a comprehensive and consolidated view of your transactions, cash operations, accounts and chargebacks. You can use this information to improve your information system.

The availability of Giropay transactions for each type of report is summarised in the table below:

Reports availability
Transactions report V
Operations report V
Reconciliations report V
Chargebacks report X
Note: for Giropay transactions, the paymentMeanBrand field is populated with the value GIROPAY.

You can view your Giropay transactions and perform various cash management operations with Sips Office Extranet.

Here are the details of a Giropay transaction:

transaction reference, identifier, date and type plus some another information

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