• Smoothly calculate the remaining amount to pay
  • Feature is part of the Gini Pay Photo Payment
  • New banking interface for e-commerce

Munich, April 11, 2024 – Sparkasse banks are the first to integrate the return assistant from Gini, one of the leading companies for innovative payment solutions, into their banking app (iOS and Android). This makes it easier for customers who shop online on account to settle returns.

Users of the Sparkasse app can use the return assistant to automatically calculate the payment amount for orders from selected retailers that they only want to keep in part. The remaining amount is calculated automatically and can be paid via the banking app. As an interface, Gini’s return assistant conveniently connects the needs of e-commerce customers with banks.

The latest development from Gini is quick and easy to use. Savings bank customers open their banking app and use their smartphone to take a photo of the invoice or share the corresponding PDF. The artificial intelligence of the Gini Pay return assistant recognizes the invoice issuer and becomes visible to the user. It shows the automatically recognized relevant items for the payment – in addition to the IBAN, recipient, and reference, it also shows the details of the individual items on the invoice, including the unit prices. Customers then select the items they wish to return. The Gini Pay return assistant calculates the remaining amount to pay. At launch, Gini already supports major invoice issuers such as Zalando, Otto, Tchibo, Bonprix, and Klarna.

App screens from the app “Sparkasse”.
© Sparkasse

Gini Pay return assistant as an extension function of the photo payment

The return assistant is an extension of the Gini Pay photo payment, which Sparkasse has already integrated. Gini has developed the solution with a simple user experience so customers can use it intuitively. It eliminates the need to manually calculate the individual amounts of products that you don’t want to keep, calculation errors, and, therefore, transferring the wrong amount.

“We aim to offer digital services that are both practical and intuitive,” says Sebastian Garbe, Head of the Digitalization Department at the German Savings Banks and Giro Association (DSGV). “The integration of the return assistant is a useful addition to the Sparkasse app. It helps our customers to make the transfer process after returns more efficient.”

“With our new Gini Pay return assistant as part of our popular photo payment, we are enabling a fast and user-friendly process for handling payments for shopping returns,” says Alexander Jäger, COO of Gini GmbH. “We are delighted that we were able to win the Sparkassen for our solution and offer banking app users a simple and precise solution for everyday use. It also makes the popular purchase on account in e-commerce more attractive for customers.”