The German payment ecosystem is characterized by unique domestic systems, regulatory frameworks and consumer behavior that differ from other European and global markets. While these differences can pose challenges for new market entrants, they also offer significant opportunities for providers who adapt to the local environment.

This white paper provides an in-depth look at the girocard system, Germany’s national debit card system. It provides European and international payment service providers, independent sales organizations and large merchants planning to enter the German market with valuable insights into the structure of girocard, its governance and market mechanisms. This helps them to better assess the strategic role of girocard within the German payment landscape.

The white paper analyzes the girocard ecosystem, its significance, governance structures and operational processes. It places particular emphasis on the role of technical “network service providers.” Finally, it highlights the options available to interested parties for integrating girocard acceptance into their own payment portfolio.

Author
Lars Callsen

Date
19.02.2026