Bank payments, one tap
Customers pay directly from their bank account with a single biometric tap. No redirects, no intermediaries. Funds land straight in your account.
Pay-by-bank has an experience problem
Traditional open banking payments force users through bank redirects, clunky logins, and app-switching. Drop-off rates hit 60%. Meanwhile, Apple Pay and Google Pay let users pay with a single tap.
As long as tokenized wallets exist, nobody will voluntarily endure a PSD2 redirect. GiroTap brings bank payments up to that gold standard.
No intermediary between you and your money
Traditional payment processors sit in the middle — holding your funds, taking a cut, batching settlements. With GiroTap, you debit the customer directly via SEPA Direct Debit.
Funds flow from their account to yours. No rolling reserves. No settlement delays. No interchange fees. Just money, moving.
Know every account before you debit it
Every linked bank account comes with open banking data. Before you pull a single euro, you see the full picture: is this a primary account? Has it been active? Are the funds there?
No more blindly debiting an IBAN that could be fraudulent, dormant, or empty. GiroTap gives you the lineage and intelligence to debit with confidence.
Set up once. Pay everywhere.
Customers create a GiroTap credential once — biometric verification plus passkey. Then every future payment at any merchant is a single tap.
Create credential
Biometric liveness check and passkey creation. Device-bound, phishing-resistant. Takes 30 seconds, done once.
Link bank account
Connect via open banking. We verify IBAN ownership through PSD2 SCA and ingest account intelligence data.
Tap to pay
At any GiroTap merchant, a single biometric tap signs the mandate with a device-bound passkey. Under 3 seconds.
Funds arrive
SEPA Direct Debit pulls funds from customer to merchant. No middlemen, no settlement batching. Direct.
Every transaction is court-ready
SEPA gives consumers 8 weeks to reverse authorized debits and 13 months for unauthorized claims. GiroTap seals cryptographic proof at the moment of consent.
- Auto-generated demand letters citing biometric and cryptographic evidence
- Exportable PDF evidence bundles for legal proceedings
- Deterrence text shown at signing — customers know the evidence trail exists
- Automated escalation to collection with statutory interest
GiroTap for your vertical
One-tap checkout
Replace card payments with instant bank debits. Lower fees, higher conversion, zero chargeback risk. Add GiroTap alongside your existing payment methods with one script tag.
Recurring without the friction
One mandate sign covers all future charges. No card expiry failures, no payment method updates. Direct debit just works — month after month, with pre-debit notifications built in.
B2B payments, simplified
Enterprise invoices paid via direct debit at a fraction of card costs. Full audit trail per transaction. Account intelligence flags risk before you bill.
Direct to seller
Route funds directly between buyer and seller bank accounts. No intermediary holding float. Full evidence bundles protect both sides of the transaction.
Live in minutes, not months
One script tag. One webhook. GiroTap handles credential management, bank linking, SCA, and evidence collection. You handle the checkout.