giropay

Introduction

giropay Logo

giropay is a payment method for online shoppers who keep a German online banking account with one of the giropay member banks. Upon entering the routing number of their bank, consumers are redirected from the merchant’s webstore to their bank’s online banking service. After successfully logging on to their respective account using account number and PIN, all relevant purchase data is uploaded from the shopping cart to the electronic payment system. Now all the buyer needs to do is authorize the transaction using a TAN.

This procedure saves consumers the time-consuming and error-prone filling in of electronic payment forms. It facilitates the buying process and – in addition to highest security standards – provides merchants with a payment guarantee for up to EUR 10,000 per payment. giropay complements direct debit and credit card payments. This payment method increases conversion and provides secure payment processing to the merchant. giropay was created by a consortium comprised of Postbank, the savings banks financial Group (Sparkasse) and the co-operative Raiffeisen banks. In addition, the MLP bank, Cronbank, readybank and several PSD banks participate in the giropay scheme. All online banking customers of these banks can pay automatically using giropay.

General Information

Payment Mode, Countries, and Currencies

This table illustrates which payment mode giropay belongs to. It also provides detailed information about the countries and currencies which are relevant for giropay.

Payment Mode

Online Bank Transfer

Countries

Germany

Currencies

EUR

Communication Formats

This table illustrates how giropay notifications are encoded and which formats and methods can be used for requests and responses.

Requests/Responses

Format

XML, NVP

Methods

POST, GET

IPN Encodement

Please follow the instructions given at Instant Payment Notification to set up IPN.

Transactions

Transaction Types
Transaction Type Description Link to the Sample

get-url

A step in a group of transactions where the provider or bank’s URL is retrieved for the Account Holder to be redirected to.

See samples.

debit

Moves funds from the Account Holder to the merchant. Received as payment notification.

See samples.

Reference Transaction
For additional information regarding the referenced transaction functionality, see here: Cross-Payment-Methods Referencing.

Test Credentials

URLs (Endpoints)

https://api-test.wirecard.com/engine/rest/paymentmethods/

Merchant Account ID (MAID)

9b4b0e5f-1bc8-422e-be42-d0bad2eadabc

Username

16390-testing

Password

3!3013=D3fD8X7

Secret Key

0c8c6f3a-1534-4fa1-99d9-d1c644d43709

Additional Test Credentials on giropay Environment

Test Bank Account BIC

GENODETT488

Workflow

debit
The merchant sends a debit request to Wirecard and receives a response which contains the URL of the consumers online banking system to which the consumer must be redirected to. The consumer is redirected back to merchant’s shop after the transaction is approved, and the merchant receives a payment notification from Wirecard.
giropay Workflow
  1. Consumer adds items to his/her shopping basket.

  2. Consumer selects giropay.

  3. The merchant sends a get-url request to Wirecard Payment Gateway.

  4. Wirecard Payment Gateway processes and validates the transaction.

  5. Wirecard Payment Gateway forwards the request to giropay.

  6. giropay provides the URL of the consumer’s online banking account for payment verification.

  7. Wirecard Payment Gateway processes the response.

  8. Wirecard Payment Gateway redirects the consumer to the provided online banking URL.

  9. The consumer verifies the payment within the personal online banking system.

  10. giropay transfers funds from the consumer’s bank account to the merchant’s bank account.

  11. giropay sends a payment notification to the Wirecard Payment Gateway.

  12. Wirecard Payment Gateway processes the notification and sends the payment debit notification to the merchant.

  13. The merchant receives the notification with the payment result.

It is also possible to refund giropay transactions via SEPA Credit Transfer if the merchant’s business flow requires this.

Fields

The fields used for giropay requests, responses and notifications are the same as the REST API fields. Please refer to REST API Fields or the request example for the fields required in a debit transaction.

Only the fields listed below have different properties.

The following elements are mandatory (M), optional (O) or conditional (C) for a request/response/notification.

Field Cardinality Datatype Size Description

bank-account/bic

C

xs:string

15

One of BIC or bank-code must be provided, but not both.

bank-account/bank-code

C

xs:string

15

One of BIC or bank-code must be provided, but not both.

Samples

get-url/debit
XML
XML get-url Request (Successful)
<?xml version="1.0" encoding="utf-8"?>
<payment xmlns="http://www.elastic-payments.com/schema/payment">
 <payment-methods>
  <payment-method name="giropay" />
 </payment-methods>
 <merchant-account-id>9b4b0e5f-1bc8-422e-be42-d0bad2eadabc</merchant-account-id>
 <request-id>4da09987-c808-4c40-bfd5-85e0f624276b</request-id>
 <transaction-type>get-url</transaction-type>
 <requested-amount currency="EUR">1.0</requested-amount>
 <order-number>180605125236138</order-number>
 <order-detail>Test product 001</order-detail>
 <ip-address>127.0.0.1</ip-address>
 <locale>en</locale>
 <account-holder>
  <first-name>John</first-name>
  <last-name>Doe</last-name>
  <email>john.doe@wirecard.com</email>
 </account-holder>
 <bank-account>
  <bic>GENODETT488</bic>
 </bank-account>
</payment>
XML get-url Response (Successful)
<?xml version="1.0" encoding="utf-8" standalone="yes"?>
<payment xmlns="http://www.elastic-payments.com/schema/payment" xmlns:ns2="http://www.elastic-payments.com/schema/epa/transaction">
 <merchant-account-id>9b4b0e5f-1bc8-422e-be42-d0bad2eadabc</merchant-account-id>
 <transaction-id>1e0db2b9-6c6d-4180-8845-d56558eb34e1</transaction-id>
 <request-id>4da09987-c808-4c40-bfd5-85e0f624276b</request-id>
 <transaction-type>get-url</transaction-type>
 <transaction-state>success</transaction-state>
 <completion-time-stamp>2018-06-05T10:52:36.000Z</completion-time-stamp>
 <statuses>
  <status code="201.0000" description="The resource was successfully created." severity="information" />
 </statuses>
 <requested-amount currency="EUR">1.0</requested-amount>
 <account-holder>
  <first-name>John</first-name>
  <last-name>Doe</last-name>
  <email>john.doe@wirecard.com</email>
 </account-holder>
 <ip-address>127.0.0.1</ip-address>
 <order-number>180605125236138</order-number>
 <order-detail>Test product 001</order-detail>
 <payment-methods>
  <payment-method url="https://giropaytest1.fiducia.de/ShopSystem/bank/BankEntry?RZKZ=XC&amp;RZBK=8076&amp;redirectData=merchantId%3D8993370%26merchantTxId%3D1E0DB2B96C6D41808845D56558EB34E1%26txId%3DF000001ZRL%26shopEndFailureURL%3Dhttps%253A%252F%252Fapi-test.wirecard.com%253A443%252Fengine%252Fnotification%252Fgiropaygad%252Fredirect%252F1e0db2b9-6c6d-4180-8845-d56558eb34e1%252F%26operatorSignature%3DjiY5qRejuINgTZVIoYt7xXIfcq%252BEkyLRqRGhY3RIWtS1iuMzKasF%252FmSA2VFx7h7SRzT5QpMZ8y8oGgYeUIuQ43EPtMdtuRC2r6BQvwh26NmN1fv5e3hXXfcv2VzmJ3wgo%252Bc%252B18%252BUWE2%252B6WCKQINMRUpwn2YTPkJJCDltxpET5Qu7Iu9pUxXJedwZyTTB9vkKhwlp0AuZ5D7wvQ4ZnftGQeAf33LIwbd9MCoPpm3Dv6SVZna0wG20FUqYvThJnvnORsskmsCffuZfgp%252BjUpvuWedlVEWjh16EBWxHGuDP2gKpdg%252BSHnexmGHAOfjZgV%252BpNWGoNFaea6v1uG0c8bx9PA%253D%253D%26operatorId%3D002%26shopEndSuccessURL%3Dhttps%253A%252F%252Fapi-test.wirecard.com%253A443%252Fengine%252Fnotification%252Fgiropaygad%252Fredirect%252F1e0db2b9-6c6d-4180-8845-d56558eb34e1%252F" name="giropay" />
 </payment-methods>
 <bank-account>
  <bic>GENODETT488</bic>
 </bank-account>
 <locale>en</locale>
</payment>
XML debit Notification (Successful)
<?xml version="1.0" encoding="UTF-8"?>
<payment xmlns="http://www.elastic-payments.com/schema/payment" xmlns:ns2="http://www.elastic-payments.com/schema/epa/transaction">
 <merchant-account-id>46e10637-a14d-47d0-b8f2-bb8b9cf2aa52</merchant-account-id>
 <transaction-id>0c60aaa2-9caf-4a0e-a814-313eb6730043</transaction-id>
 <request-id>b7aa31ce-a8be-4622-a9e4-7e1052d60267</request-id>
 <transaction-type>debit</transaction-type>
 <transaction-state>success</transaction-state>
 <completion-time-stamp>2018-06-05T09:51:03.000Z</completion-time-stamp>
 <statuses>
  <status code="201.1126" description="giropay:Successful confirmation received from the bank." severity="information"/>
 </statuses>
 <requested-amount currency="EUR">1.0</requested-amount>
 <parent-transaction-id>18ad619c-539a-4ee2-a5de-660f9d404a73</parent-transaction-id>
 <account-holder>
  <first-name>John</first-name>
  <last-name>Doe</last-name>
  <email>john.doe@wirecard.com</email>
 </account-holder>
 <ip-address>127.0.0.1</ip-address>
 <order-number>180605114854891</order-number>
 <order-detail>Test product 001</order-detail>
 <payment-methods>
  <payment-method name="giropay"/>
 </payment-methods>
 <api-id>---</api-id>
 <locale>en</locale>
 <provider-transaction-reference-id>GIROPAY0028993370F000001ZQU</provider-transaction-reference-id>
 <Signature xmlns="http://www.w3.org/2000/09/xmldsig#">
  <SignedInfo>
   <CanonicalizationMethod Algorithm="http://www.w3.org/TR/2001/REC-xml-c14n-20010315"/>
   <SignatureMethod Algorithm="http://www.w3.org/2001/04/xmldsig-more#rsa-sha256"/>
   <Reference URI="">
    <Transforms>
     <Transform Algorithm="http://www.w3.org/2000/09/xmldsig#enveloped-signature"/>
    </Transforms>
    <DigestMethod Algorithm="http://www.w3.org/2001/04/xmlenc#sha256"/>
    <DigestValue>H9zNz076h9Gya8KMSaAEnJ2qHklPhhWg+pAC9wCTqgk=</DigestValue>
   </Reference>
  </SignedInfo>
  <SignatureValue>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</SignatureValue>
  <KeyInfo>
   <X509Data>
    <X509SubjectName>L=Ascheim,2.5.4.4=#130642617965726e,CN=api-test.wirecard.com,OU=Operations,O=Wirecard Technologies GmbH,C=DE</X509SubjectName>
    <X509Certificate>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</X509Certificate>
   </X509Data>
  </KeyInfo>
 </Signature>
</payment>
XML get-url Request (Failure)
<?xml version="1.0" encoding="utf-8"?>
<payment xmlns="http://www.elastic-payments.com/schema/payment">
 <payment-methods>
  <payment-method name="giropay" />
 </payment-methods>
 <merchant-account-id>9b4b0e5f-1bc8-422e-be42-d0bad2eadabc</merchant-account-id>
 <request-id>46a60198-2062-49ed-a36c-7f070b9f4b45</request-id>
 <transaction-type>get-url</transaction-type>
 <requested-amount currency="EUR">1.0</requested-amount>
 <order-number>180605125116611</order-number>
 <order-detail>Test product 001</order-detail>
 <ip-address>127.0.0.1</ip-address>
 <locale>en</locale>
 <account-holder>
  <first-name>John</first-name>
  <last-name>Doe</last-name>
  <email>john.doe@wirecard.com</email>
 </account-holder>
 <bank-account>
  <bic>TESTBIC</bic>
 </bank-account>
</payment>
XML get-url Response (Failure)
<?xml version="1.0" encoding="utf-8" standalone="yes"?>
<payment xmlns="http://www.elastic-payments.com/schema/payment" xmlns:ns2="http://www.elastic-payments.com/schema/epa/transaction">
 <merchant-account-id>9b4b0e5f-1bc8-422e-be42-d0bad2eadabc</merchant-account-id>
 <transaction-id>b1ebb3d7-16de-45c0-adc9-80b02ae3340b</transaction-id>
 <request-id>46a60198-2062-49ed-a36c-7f070b9f4b45</request-id>
 <transaction-type>get-url</transaction-type>
 <transaction-state>failed</transaction-state>
 <completion-time-stamp>2018-06-05T10:51:16.000Z</completion-time-stamp>
 <statuses>
  <status code="400.1197" description="BIC is invalid." severity="error" />
 </statuses>
 <requested-amount currency="EUR">1.0</requested-amount>
 <account-holder>
  <first-name>John</first-name>
  <last-name>Doe</last-name>
  <email>john.doe@wirecard.com</email>
 </account-holder>
 <ip-address>127.0.0.1</ip-address>
 <order-number>180605125116611</order-number>
 <order-detail>Test product 001</order-detail>
 <payment-methods>
  <payment-method name="giropay" />
 </payment-methods>
 <bank-account>
  <bic>TESTBIC</bic>
 </bank-account>
 <locale>en</locale>
</payment>
NVP
NVP get-url Response (Successful)
 HTTP/1.1 201 Created
 Server: Apache-Coyote/1.1
 Content-Language: en-US
 Content-Length: 1644
 Date: Wed, 21 Oct 2015 18:36:42 GMT


order_number=15957&payment_method_url=https%3A%2F%2Fgiropaytest1.fiducia.de%2FShopSystem%2Fbank%2FBankEntry_v2%3FRZKZ%3DXC%26RZBK%3D8076%26redirectData%3DmerchantId%253D8993370%2526merchantTxId%253DAC7090A9782211E5923A00163E1F53EB%2526txId%253DF00000FBCP%2526shopEndFailureURL%253Dhttps%25253A%25252F%25252Fdev.thesolution.com%25252Fengine%25252Fnotification%25252Fgiropaygad%25252Fredirect%25252Fac7090a9-7822-11e5-923a-00163e1f53eb%25252F%2526operatorSignature%253DAxwVt0bxn4voDEXZIXWGNImFuhBU1Ez6B%25252BeFE38UbbANqYPocGLkmkSTRFNqeyfShaVxZpW081IxFFh%25252B7AzCiOZ5B7B%25252FXV2GQmvWXpE5DlPnuZZYwVC4QrdH0H40XRM7NNZ2IJsor9PGePAInVhfZFZVBEq5MtZcUYZd%25252FstYWrbzD2QrlEB7Ddlopmuo8uHM8H07VbdiOw46Znx0X8kxZ%25252BaoEjDv7iUESuhROJsKK0o%25252Foy%25252BzrqCq6hPnQekXEz43OUyfZB%25252BFKdjGzFW3fjSF4Jilw1Hzzdy1MstnZIIWS6hANalp%25252FyB2%25252FDMso7tDhh9n3uNxTuLsu2tuerauhVLbIQ%25253D%25253D%2526operatorId%253D002%2526shopEndSuccessURL%253Dhttps%25253A%25252F%25252Fdev.thesolution.com%25252Fengine%25252Fnotification%25252Fgiropaygad%25252Fredirect%25252Fac7090a9-7822-11e5-923a-00163e1f53eb%25252F&transaction_type=debitget-url&locale=en&completion_time_stamp=20151021183642&status_code_1=201.0000&status_severity_1=information&transaction_state=success&transaction_id=ac7090a9-7822-11e5-923a-00163e1f53eb&first_name=John&merchant_account_id=ec68950e-1ffa-4bec-9218-792dc77a5109&ip_address=127.0.0.1&bank_account_bic=GENODETT488&order_detail=TestProduct&request_id=demo-123400&requested_amount=1.01&requested_amount_currency=EUR&email=john.doe%40wirecard.com&status_description_1=The+resource+was+successfully+created.&last_name=Doe&payment_method=giropay&
NVP get-url Request (Successful)
 POST http://10.0.0.114:8080/engine/rest/paymentmethods/ HTTP/1.1
 Accept-Encoding: gzip,deflate
 Content-Type: application/x-www-form-urlencoded;charset=UTF-8
 Authorization: Basic dGVhbWNpdHk6dGVhbWNpdHk=
 Accept: text/plain
 Content-Length: 339
 Host: 10.0.0.114:8080
 Connection: Keep-Alive
 User-Agent: Apache-HttpClient/4.1.1 (java 1.5)


merchant_account_id=ec68950e-1ffa-4bec-9218-792dc77a5109&request_id=demo-123400&transaction_type=get-url&requested_amount_currency=EUR&requested_amount=1.01&first_name=John&last_name=Doe&email=john.doe@wirecard.com&order_number=15957&order_detail=TestProduct&locale=en&ip_address=127.0.0.1&payment_method=giropay&bank_account_bic=GENODETT488
NVP debit Notification (Successful)
 X-Request-Id: 78c0f284-d5e4-4c77-8363-5eba5069f815
 Total-Route-Time: 0
 Connect-Time: 4
 Payment.Request-Id: 4f99be5c-af8c-4eda-ae90-20dc10a97dc9
 Notification.Url: http://requestb.in/145yq7s1
 Host: requestb.in
 Breadcrumbid: ID-dev-app-n01-49221-1445441419984-0-6906
 Via: 1.1 vegur
 Content-Length: 4640
 Connection: close
 Content-Type: text/plain
 Payment.Transaction-Id: 2da8e73f-7828-11e5-923a-00163e1f53eb
 <?xml version="1.0" encoding="UTF-8"?>
 <payment xmlns="http://www.elastic-payments.com/schema/payment">
 <merchant-account-id>ec68950e-1ffa-4bec-9218-792dc77a5109</merchant-account-id>
 <transaction-id>2da8e73f-7828-11e5-923a-00163e1f53eb</transaction-id>
 <request-id>4f99be5c-af8c-4eda-ae90-20dc10a97dc9</request-id>
 <transaction-type>debit</transaction-type>
 <transaction-state>success</transaction-state>
 <completion-time-stamp>2015-10-21T19:16:06.000Z</completion-time-stamp>
 <statuses>

 <status code="201.1126" description="giropay:Successful confirmation
 received from the bank." provider-transaction-id="F00000FBDC"
severity="information"/>
 </statuses>
 <requested-amount currency="EUR">1.0</requested-amount>
 <account-holder>
 <first-name>John</first-name>
 <last-name>Doe</last-name>
 <email>john.doe@wirecard.com</email>
 </account-holder>
 <ip-address>127.0.0.1</ip-address>
 <order-number>17622</order-number>
 <order-detail>Test product 001</order-detail>
 <notifications>
 <notification url="http://requestb.in/145yq7s1"/>
 </notifications>
 <payment-methods>
 <payment-method name="giropay"/>
 </payment-methods>
 <api-id>---</api-id>
 <provider-transaction-reference-id>GIROPAY0028993370F00000FBDC</provider-transaction-reference-id>
 <Signature xmlns="http://www.w3.org/2000/09/xmldsig#">
 <SignedInfo>
 <CanonicalizationMethod Algorithm="http://www.w3.org/TR/2001/REC-xml-c14n-20010315"/>
 <SignatureMethod Algorithm="http://www.w3.org/2000/09/xmldsig#rsa-sha1"/>
 <Reference URI="">
 <Transforms>
 <Transform Algorithm="http://www.w3.org/2000/09/xmldsig#enveloped-signature"/>
 </Transforms>
 <DigestMethod Algorithm="http://www.w3.org/2000/09/xmldsig#sha1"/>
 <DigestValue>GA3lgrihlMT0is0alqTlXnh3MAQ=</DigestValue>
 </Reference>
 </SignedInfo>
 <SignatureValue>afLVd67OjoTEJ2VbNqaG84baQQheFKekNan5db4jXjsGAwXlYa1rWzn0koGsK4LVPtgt1EHZjdRo
 9JhcLX4Qd+KrXW8zh35MffSlMm3JnbkTLDRL+Y8uLpGGhuH3eBolITz1ml0mft7POkwWefrhjLcj
 TZmaumSpvF6FTMnJyS3j+vog9+3rE/2xYXfXabSg0IytNv1dR3oIkWafFUVMIk50s67f1LX2z1Yz
 ywo6c9EKVXUhwcAa7R4h59izkrLumA15eS1wFV0jbDtcYjwNBcpYa7S1TcybyrDVpyO27VTRpzOl
 LgEUJuka9kHbBgMxDizwKFAvbkn+Gk6OjIr+bg==</SignatureValue>
 <KeyInfo>
 <X509Data>
 <X509SubjectName>CN=Manoj Sahu,OU=Operations,O=Wirecard Elastic Payments,L=Toronto,ST=ON,C=CA</X509SubjectName>
 <X509Certificate>MIIDcDCCAligAwIBAgIETgQWGTANBgkqhkiG9w0BAQUFADB6MQswCQYDVQQGEwJDQTELMAkGA1UE
 CBMCT04xEDAOBgNVBAcTB1Rvcm9udG8xIjAgBgNVBAoTGVdpcmVjYXJkIEVsYXN0aWMgUGF5bWVu
 dHMxEzARBgNVBAsTCk9wZXJhdGlvbnMxEzARBgNVBAMTCk1hbm9qIFNhaHUwHhcNMTEwNjI0MDQ0
 NDA5WhcNMTQwMzIwMDQ0NDA5WjB6MQswCQYDVQQGEwJDQTELMAkGA1UECBMCT04xEDAOBgNVBAcT
 B1Rvcm9udG8xIjAgBgNVBAoTGVdpcmVjYXJkIEVsYXN0aWMgUGF5bWVudHMxEzARBgNVBAsTCk9w
 ZXJhdGlvbnMxEzARBgNVBAMTCk1hbm9qIFNhaHUwggEiMA0GCSqGSIb3DQEBAQUAA4IBDwAwggEK
 AoIBAQCc8rTt4N5fNeVzlsRgOXKDE2YUSfJx7xXBozFZ3Vh3XQyy3IpIuEfZz7004k4HeonfTxCN
 etBvJ9rgNc0Cxrk/euMj3pOUrE9WYN2eAXC0r5pUIAZhIAnSxUSaIF3JKBxf7gDAik5d8RT5HaJV
 4n5cXJQ/uhAEYU3EGN/74UrD2UsOYD3VBXTJS5VgSi/c3IyLwhDbYIyU6j4fMKyHIlAMGzW7VgKD
 2pqu6BRysqUVdEEAvW2OmyVqGVyPkm87EiHSMMSar3CvYYxYqBN2KBUjabkvnRWbIzyQuyUyDeUb
 QmhVQKL0WlMb5ev65m2VjGyDTGL5jfB14rSXRMGzeJ+LAgMBAAEwDQYJKoZIhvcNAQEFBQADggEB
 ADgkuN/e2IFy7JXdbjNJbKBd3HLvFvK87dv8qQ+HK4qfCxYXh6aYhbKHJSA6C2pbOD3HBXoyovZr
 mk/KqOyUL+unVcR+APjxX4KP25sdkplgmeQ47CWxtKAHZUTtWwAVI/WhsX89SSucBfIS5TJ54e7m
 02qvGoK8UA/IRbIQ6DZ9hEKV5VQKiMx3ubwwHGXfOWz2fKmeZBuTeY+HiTEH8KCHpfw2j8G+dDgU
 jlp9LvjVNmJzfNBBk1Si0d/rhXmMzVSKj08tp1sPRK0/sJtJZBzQajpnsZ9NFfoJNdG13AzYwDP3
 x/QspK0jYn1KZw1qz524VWoQoueR8Xj30A2jntA=</X509Certificate>
 </X509Data>
 </KeyInfo>
 </Signature>
 </payment>
NVP get-url Request (Failure)
 POST http://10.0.0.114:8080/engine/rest/paymentmethods/ HTTP/1.1
 Accept-Encoding: gzip,deflate
 Content-Type: application/x-www-form-urlencoded;charset=UTF-8
 Authorization: Basic dGVhbWNpdHk6dGVhbWNpdHk=
 Accept: text/plain
 Content-Length: 335
 Host: 10.0.0.114:8080
 Connection: Keep-Alive
 User-Agent: Apache-HttpClient/4.1.1 (java 1.5)


merchant_account_id=ec68950e-1ffa-4bec-9218-792dc77a5109&request_id=demo-123444&transaction_type=get-url&requested_amount_currency=EUR&requested_amount=1.01&first_name=John&last_name=Doe&email=john.doe@wirecard.com&order_number=15957&order_detail=TestProduct&locale=en&ip_address=127.0.0.1&payment_method=giropay&bank_account_bic=testbic
NVP get-url Response (Failure)
 HTTP/1.1 201 Created
 Server: Apache-Coyote/1.1
 Content-Language: en-US
 Content-Length: 536
 Date: Wed, 21 Oct 2015 18:37:56 GMT


order_number=15957&transaction_type=debitget-url&locale=en&completion_time_stamp=20151021183757&status_code_1=400.1197&status_severity_1=error&transaction_state=failed&transaction_id=d93f00f2-7822-11e5-923a-00163e1f53eb&first_name=John&merchant_account_id=ec68950e-1ffa-4bec-9218-792dc77a5109&ip_address=127.0.0.1&bank_account_bic=testbic&order_detail=TestProduct&request_id=demo-123444&requested_amount=1.01&requested_amount_currency=EUR&email=john.doe%40wirecard.com&status_description_1=BIC+is+invalid.&last_name=Doe&payment_method=giropay&
Custom URL: