paydirekt: the payment solution for online retailers

The online banking procedure for German banks

Benefits at a glance

  • Access to new customer groups
  • Direct payment guarantee from the buyer’s bank
  • Guaranteed buyer identification and age verification
  • High transaction security through settlement via banks
  • Modern system, compatible with all common web shop systems
  • Simple connection via approved Payment Service Providers or also standard plug-ins

Our range

paydirekt is the online payment procedure from German banks with over 50 million online-capable current accounts. The mainstay of paydirekt is the tried and tested current account, through which the entire settlement is carried out.

This enables a quick and secure payment procedure for customers and an immediate payment guarantee for the vendor - with the security standards of German banks and savings banks.

All retailers can offer their customers this new payment service. The condition is having a corporate account at one of the participating banks. Commerzbank has offered paydirekt since spring 2016.

Due to the seamless integration of paydirekt in the banks’ systems, you’ll get an alternative online payment procedure that meets the strict requirements of the German banking sector.

How it works

Simple registration

Regardless of which connection you use: paydirekt has the right solution.

  1. You use a standard plug-in from the paydirekt partner Custom Web
  2. You connect via your Payment Service Provider (PSP)

Only a few more steps are required to the commercial release – and you can already offer your customers the new standard in online payments.

You’ll receive your customers’ payments through a SEPA direct debit on your account, quickly and securely, without any deductions. Retailer charges will be booked separately.

High security

With paydirekt your customers’ data is encrypted with the same security standards used in online banking. paydirekt complies with German data protection and data security regulations . So no shopping basket information will be forwarded or sold to third parties by paydirekt or the participating banks.

The direct connection to the account enables automatic transmission of the payments and a payment guarantee, protecting you from payment losses and laborious payment reworking.

Payment guarantee for retailers

The payment guarantee comes in if a positive payment confirmation has initiated the booking and you as a retailer have sent the merchandise.

With paydirekt, alongside the payment guarantee you also have the security of only supplying customers who have already been identified by the banks. For this reason - in contrast to the direct debit payment procedure - separate customer consent is not necessary either.

You can also play safe with the age. On request, paydirekt, will confirm whether a customer is within the age limit queried.

Questions and answers

Why should I offer paydirekt as a payment procedure?

paydirekt is equally simple and secure for buyers and retailers. Buyers can immediately use the procedure after a one-off registration in their bank’s online banking system. The payment procedure is linked to the verified current account and completed in just a few clicks. In the event of a successful transaction, retailers get an immediate payment guarantee and can send the merchandise directly.

The benefits for retailers at a glance:

  • Opens up access to new customer groups
  • Direct payment guarantee from the buyer’s bank
  • Guaranteed buyer identification and age verification
  • Modern system, compatible with all common web shop systems
  • Simple connection via approved Payment Service Providers or also standard plug-ins
  • High transaction security through settlement via banks
  • Personal contact in your familiar bank

Who’s behind paydirekt?

paydirekt is the new common online payment procedure from German banks and Sparkasse savings banks.

How are payments settled?

During the payment procedure by the buyer, the bank checks the buyer’s identity on the basis of the user name and personal password. Every payment is arranged on the buyer’s current account. If there are sufficient funds in the buyer’s current account, you’ll get the payment confirmation directly and the purchase amount will be booked to an interim account. So the payment cannot be returned by the buyer. Then, the payment amount is collected from the interim account in favour of your corporate account.

How can I offer my customers paydirekt as a payment procedure?

In order to be able to offer paydirekt, you need a commercial release including charge regulations with the buyer banks and the technical connection in your web shop. We’ll be pleased to support you here, of course.

Which contracts are required?

You need a contract with paydirekt for your web shop connection and a charges agreement with the buyer banks.

How will my web shop be technically connected to paydirekt?

You basically have three alternatives for the connection:

  1. You connect directly
  2. You use a standard plug-in from the paydirekt partner Custom Web
  3. You connect via your Payment Service Provider (PSP)

For the direct connection, paydirekt offers an interface description to integrate the payment procedure in web shop systems (REST-API). To aid you, please download the RESTful-API documentation here. There is a test environment (Sandbox) available to test the interface.

Who’ll support me with the technical connection?

You’ll find all the information about the paydirekt technical connection on www.paydirekt.de. Alongside detailed descriptions of the interfaces and a test environment, you’ll also get contact details for further support there.

How is reporting on the transactions done?

You can view an extensive transaction journal in the paydirekt retailer portal at any time and export this for further processing in your systems. You’ll also get a transaction overview from your charging service provider to check your charging bill.

What happens if a buyer complains?

If a customer complains to paydirekt, you’ll have to prove you sent the merchandise correctly. An orderly shipping document has to make it possible to allocate the merchandise subject to complaint.