Account-to-Account Payment in e-commerce: lean, safe, cost-effective.
With SEPA Request-to-Pay, you can request payment directly via your customer’s bank – payment and invoice become one experience.
E-commerce next level
Ready to Request?
Gini’s SEPA Request-to-Pay doesn’t just make shopping an experience – it makes paying one, too. Invoices are delivered straight into the customer’s banking app, where the payment details are auto-filled, and the only thing a consumer needs to do is confirm with a single tap. No clunky registrations, no mistyped reference numbers, no manual dunning.
That means: lower costs, fewer errors, and a radically user-friendly account-to-account (A2A) payment experience. Ready to take invoice payments to the next level?
All payment methods, powered by R2P.
1
Trigger the payment request – via email or straight in the banking app. The digital invoice is automatically included and attached.
2
Set the payment terms yourself – and let your customer know if they need to pay now or later.
3
Your customer confirms in the banking app and triggers a regular SEPA credit transfer. No typos, no mismatches.
4
Receive an instant confirmation that the payment got authorized and the amount-to-pay is on its way.
SEPA Request-to-pay advantages
Benefits on all sides.
Boost conversions and eliminate friction: SEPA Request-to-Pay by Gini optimizes your entire payment process. Because all invoice and payment data is auto-transferred into the banking app, drop-offs at checkout decrease – and your conversion rate goes up.
At the same time, you cut the fees you’d normally pay to third-party providers. And your customers? They enjoy a frictionless experience:
- No registrations
- No unfamiliar payment brands
- No manual entry
SEPA Request-to-Pay makes invoicing and paying smart, secure, and future-ready—for everyone involved.
High conversion rates
thanks to a user-friendly payment method without complex sign-up processes
Legal safety
using two-factor-authentication while authorizing the payment
Cost savings
with low transaction costs and 100% payment matching
Identification in the banking app
between customer and merchant, without signing up
Automation
saves manual efforts in accounts receivable management
Our ways to connect Payer and Payee:
App-to-App
Gini Pay Wallet – Features
App-to-App
In the context of e-commerce in native mobile apps, users can choose to pay with their own bank without sharing any information at the checkout step. Our App-to-App functionality takes care of redirecting users to their preferred bank, where they receive the Request-to-Pay message and accept it with their defined authorization method.
Web-to-App
Gini Pay Wallet – Features
QR-to-App
Gini Pay Wallet – Features
Customer Centric
From e-commerce website straight into the banking app.
Trust is the most valuable asset when it comes to finance and payments. That’s why more than half of all Germans are interested in paying through their banking app, and more than 20% would even replace their current favorite payment provider for it.
Gini doesn’t just simplify payment identification and eliminate errors – we connect the customer’s shopping cart directly with their bank account, right through their trusted mobile banking app. Just one click and all payment details are pre-filled, and all that’s left is to confirm.
The result? Third-party payment providers become obsolete.
And payment feels exactly how it should today: easy!
Haven’t we met before?
Closer to banks means closer to customers.
Chances are, you’ve already used Gini’s payment tech – without even knowing it. That’s because our photo payment technology powers the “engine room” of nearly every major banking app in Germany.
This also makes Gini the perfect partner for e-commerce. With deep integrations into the banking world and more than 10 years of payment expertise, Gini’s SEPA Request-to-Pay is already set to delight millions of customers. We’re ready to set a new standard, are you?
FAQ
You have questions, we have the answers
Integration
Easy to use,
easy to integrate.
All Gini solutions are specially designed for mobile payment and offer reliable data extraction and transfer in real time. Whether for iOS or Android – ready-to-use software development kits (SDKs) allow easy integration and customization to the UI/UX of the existing e-commerce app. The applications are constantly being further developed, are “Made in Germany” and are hosted on ISO-certified servers in Germany.
Your invest: a few days of development and integration.
The benefit: your e-commerce app that has solved payment pain points.
Contact us
