[ThrowAwayIRUK]

Not correct:

Giropay does in fact include fees, though these are usually covered by the seller. (check for example: https://www.unternehmerportal.info/giropay/)

DISCLAIMER: Lead Payment Engineer at an European Challenger Bank, i'm implementing that stuff in the backend, i'm mainly talking to our central bank.

[fxtentacle]

I'm honestly surprised. I've been using it as the seller with a Deutsche Bank business account for a few years now and I never paid any per-transaction fees.