Electronic Fund Transfer/Direct Debit

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  • Netherlands
 

What is it?

Giropay is bank transfer solution, which allow users to access their bank account with HBCI home-banking credentials to initiate an online wire money transfer directly from their bank account.

How does it work?

The user enters his bank information into a field. Through the gateways of the providers, the user logs on to his bank account through the home-banking interface. The amount and recipient of the transfer are already automatically pre-set. The user then approves the transfer with his TAN, as he is used to making transfers through home-banking. The second the transaction is approved by the bank using the TAN, it is also made and the merchant will be credited.

Buyers Advantages

  • Pay without credit card
  • Secured payment
  • Immediate debit

Merchants Advantages

  • Fast & Simple
  • Secured payment
  • No charge-back due to insufficient funds