girocard offers decisive competitive advantages for all industries and companies of all sizes. You too can benefit from a system that helps you achieve lasting success.
girocard is laying the foundations for tomorrow's commerce. As the most widely used cashless payment method, it forms the basis for digital transactions. With new functions, it is paving the way for a digital, seamless shopping experience. Participation in the girocard system enables partners to position themselves for the future – for added competitiveness.
girocard has become firmly established in German payment services. Its widespread acceptance brings numerous advantages, including increased turnover, faster payment processes, less cash handling and cash costs, attractive terms and conditions, and much more. By accepting girocard, retail partners are opting for a system that ensures seamless payment transactions and satisfied customers.
girocard has unrivalled market coverage. 97 per cent of 16 to 69-year-olds have a girocard, with a total of around 100 million distributed cards in circulation. The widespread use of girocard enables retailers to reach a maximum number of potential customers. In 2025, around 8.3 billion transactions were carried out with girocard, giving it an outstanding status among consumers. The introduction of girocard means increased sales opportunities for retailers with lower fees.
Merchants enjoy a full payment guarantee from the card-issuing bank for every girocard transaction. This counteracts payment defaults and at the same time ensures a high degree of planning security. Risks such as counterfeit money or change errors are completely eliminated: each authorized transaction is followed by a secure payment, which is usually credited within 1 to 3 working days after the cash register report. Fast processing enables transparent liquidity planning and prevents financial bottlenecks - all revenues are available promptly.
With its unique market presence, girocard is the payment method of choice for consumers in Germany. Participants in the girocard system benefit from this in various ways.
For retail chains, girocard offers a number of advantages that directly contribute to optimising operational processes. Thanks to the contactless function and integration into wallets, payment processes at the checkout are handled quickly. In addition, retail chains have the opportunity to actively participate in the ongoing development of the girocard and thus benefit from functions that make payment transactions sustainable and efficient.
For small and medium-sized enterprises (SMEs), girocard is a particularly cost-effective and widely used solution for cashless payments. Integrating girocard means using a system that customers trust. By accepting girocard, SMEs can increase sales, boost their competitiveness, and position themselves as modern, customer-oriented businesses.
As the most widely used payment method in Germany, girocard opens up new opportunities for business optimisation for retailers of all sizes and in all sectors. From increased efficiency at the checkout to improved liquidity planning, girocard creates tangible added value for everyone involved.
The attractive girocard fees contribute to the competitiveness of businesses. With freely negotiable fees of no more than 0.2 percent, the costs per transaction are particularly low. In most cases, they are even significantly lower, making girocard a particularly cost-effective payment solution. These low costs allow merchants to protect their profit margins and, if necessary, pass on cost advantages to their customers – for competitive prices that positively influence purchasing behaviour and increase sales.
girocard offers partners in retail sector forward-looking solutions with new functions. Innovations such as age verification, extended international acceptance, and integrated customer loyalty programmes help retailers to meet legal requirements, tap into new markets, and strengthen customer loyalty. Partners benefit from a flexible, future-proof payment system that is constantly evolving.
girocard increases efficiency in many ways in everyday processes. Electronic transactions make accounting much simpler and more transparent. Cashiers benefit from its intuitive handling, which optimises processes and reduces waiting times. Sources of error, such as incorrect change, are also eliminated. Reduced cash handling not only saves time and money, but also ensures greater hygiene. girocard optimises the entire payment process and allows retailers to focus on what matters most: their customers.
As a partner in the girocard system, you have the opportunity to help shape the future of cashless payment. As part of the co-creation approach, ideas from all participants are discussed together so that new functions can be implemented in a tailored manner. Your expertise is needed to create practical innovations - for a girocard that remains market-oriented and creates real added value for you.
EURO Kartensysteme GmbH
Solmsstraße 6
60486 Frankfurt am Main
