Stripe users in Europe and the United States can accept giropay payments from customers in Germany using Sources.
During the payment process, a Source object is created and your customer is redirected to their bank’s website or mobile application to authorize the payment. After completing this, your integration can use the source to make a charge request to complete the payment.
giropay is a push-based, single-use and synchronous method of payment. This means your customer takes action to send the amount to you through a redirect and there is immediate confirmation about the success or failure of a payment.
The risk of fraud or unrecognized payments is much lower as the customer must authenticate the payment with their bank. As such, there is no dispute process that can result in a chargeback and funds withdrawn from your Stripe account. Should a customer dispute a payment to their bank, it is handled internally—no dispute information is presented in the Dashboard.
Payments made with giropay can only be submitted for refund within 180 days from the date of the original charge. After 180 days, it is no longer possible to refund the charge.
A source must be used within six hours of becoming
chargeable. If it is not, its status is automatically transitioned to
canceled and your integration receives a
source.canceled webhook event. Additionally,
pending sources are canceled after one hour if they are not used to authenticate a payment.
Once a source is canceled, the customer’s authenticated payment is refunded automatically—no money is moved into your account. For this reason, make sure the order is canceled on your end and the customer is notified once you receive the