Fast payments, more turnover. With girocard.

Optimise your payment processes and increase your customer satisfaction with the most widely used and most popular debit card in Germany.

Optimise payment processes: with the German standard.

With around 100 million cards issued and nationwide acceptance in retail, girocard has established itself as the most widely used debit card in Germany. For many consumers, the option to pay by card has become a basic expectation. By accepting girocard, you meet this expectation while benefiting from efficiency, security, and cost advantages.

Proven success model

7.9 billion transactions in 2024.

Increased sales

92% of customers prefer to pay by card.

Comprehensive distribution

Around 100 million cards issued.

girocard: for a shopping experience that creates loyalty.

In order to offer customers an optimal shopping experience, a seamless and efficient payment process at the checkout is crucial. girocard enables exactly that: as the most widely used and most popular cashless payment method in Germany, it ensures fast, secure and convenient transactions. For optimised payments that encourage customers to shop more spontaneously and more frequently.

Less effort at the checkout.

girocard enables smooth and time-saving payments at the checkout. Contactless transactions without PIN entry take an average of just 12 seconds. Payment processes are quick and easy, which is convenient not only for customers but also for checkout staff. The increasing expansion of self-service checkouts that accept girocard provides additional relief and creates freedom that employees can use for other tasks. By offering girocard as a payment method, you ensure greater efficiency overall, broad market coverage and increased customer satisfaction.

More time, more transparency.

girocard not only streamlines processes at the checkout. Every transaction made with a girocard is automatically recorded electronically. This creates more transparency in payment flows and makes accounting much easier. You always have an overview of all transactions – for better control over your finances and simplified routine tasks.

New options for effortless payment.

girocard is continuously being developed to meet the requirements of the modern payment market. It opens up new possibilities to make payments even easier and to enhance payment processes with intuitive features. With these new, intuitive functionalities, you future-proof your business.

New payment options

One payment solution for all channels.

Retail chains will soon be able to offer their customers even greater convenience when it comes to mobile payments. The planned integration into merchant apps enables fast and secure payments that can be processed directly within the apps. Whether via app, QR code or at the point of sale, the expansion of omnichannel capabilities allows customers to pay conveniently across all channels using their familiar card. With girocard, businesses can deliver an optimised payment experience across physical retail, e-commerce and m-commerce.

Age verification

Age verification made easy.

The new online age verification system from girocard enables retail chains to integrate seamlessly into existing self-checkout systems.

Age verification is carried out entirely online, enabling secure verification without the need for additional hardware. The system can flexibly verify both legal age (18+) and the age limit of 16, making it ideally suited for the sale of a wide range of age-restricted products.

Age verification will thus pave the way for the implementation of autonomous 24/7 stores. The functionality is expected to be available nationwide by the end of 2027; however, initial pilot projects involving tobacco vending machines are already operating successfully today.

More transactions for greater efficiency in payment services.

Thanks to its widespread use and high level of acceptance, generates economies of scale that benefit all stakeholders. The more transactions are processed via girocard, the more cost-efficient it becomes for retailers and the more attractive girocard becomes for the product portfolios of banks and Sparkassen. Ultimately, this cost efficiency also benefits consumers. Taken together, these factors make girocard the backbone of a stable and high-performing payments ecosystem.

With the retail sector, for the retail sector.

The ongoing development of girocard takes place in close coordination with all market participants. Through so-called co-creation workshops, retail chains contribute their expertise directly and actively participate in shaping the future of girocard. This ensures a payment system that delivers real added value for the retail sector.

Maximum security - for every transaction.

Retail chains rely on smooth and reliable payment processing. girocard ensures this through its integrated payment guarantee, giving merchants the certainty that authorized payments will be credited. This minimises the risk of payment default.