Gini Pay Photo Payment – snap, check, pay.

Transfer a bill in seconds with the number one feature in the largest German retail banking apps.

Pay your bills with a snap.

Gini Pay Photo Payment turns your mobile camera into a smart time-saving machine. Optimal user experience and highly specialized AI have made our automagic payment process the new industry standard, convincing millions of users every day. No matter if you make a snap of your bill, scan the giro code or share a digital receipt with your banking app – wiring money has never been so easy.

Gini Pay Photo Payment – How It Works

Transfer money
the smart way.

Pay your bills by scan without typing the recipient’s details – the Gini Pay photo transfer has become the standard in German banking apps. Regardless of your invoice is a scan, e-bill, or are photo of your mobile camera, all relevant payment details automatically get extracted to prefill the transfer form and save your time.

Share With Your Banking App

PDF or screenshot?
Share it with your mobile banking app.

The payment details came by e-mail? A friend sent his bank account details in a chat?
Open the PDF or screenshot from your gallery, and select the banking app by the share-with-button – done.
The photo payment extracts the payment data from various formats, whether PDF, JPEG, PNG, or GIF, in the most convenient way.

Share a PDF and lean back – money wired.

You can now upload PDFs straight into your mobile banking app via the “Share” function. One single click – and the payment data gets extracted automatically.
Transferring bills is now that easy.

Today, screenshots can also pay.

A screenshot from WhatsApp? Standard. A bank transfer made with a WhatsApp screenshot? Ingenious! Capture a friend’s payment details via screenshot and share them in the banking app.

Gini Pay Photo Payment – Upgrades

Photo Payment 2.0: Purchase on account, paid smartly.

Mobile banking must not stand still: Today, mobile-first also means customer-first. That’s why we strive to make the Gini Pay Photo Payment even more convenient and compelling – with useful add-ons to simplify life.

Return assistant – returns made easy.

We have the upgrade for your photo payment: with the return assistant, you can deselect returned items – the remaining amount due is updated automagically, turning purchasing on account into a breeze payment experience powered by your mobile banking app.

Rücksenderechner

Cash discount calculator – saving has never been so easy.

The latest upgrade for photo payment recognizes and calculates discounts on invoices automatically: An invoice on which a discount for early payment is noted is photographed or uploaded to the banking app using the share-with function. In addition to the classic invoice data, the discount calculator recognizes the discount and the date to be observed.

Gini Pay Connect – Benefits

The No. 1 feature in mobile banking.

Gini Pay photo payment is the digital hero of leading German banks. Unmatched in terms of extraction quality, speed, and security, the photo payment is the favorite convenience feature of all bank customers. After all, everyone deserves a magic moment.

139,959,000+ documents

scanned & paid in 2024

91.8% accuracy

in data extraction

1,2 seconds

processing time

6,674,034 users

monthly active users in 2024

Photo payment as a technological pioneer

There is much more to photo payment than meets the eye. What seems simple at first glance – taking a photo of a bill and automatically triggering a transfer – is powered by complex deep learning processes behind the scenes. Gini uses its own specially developed neural networks to read even hard-to-decipher documents reliably. Techniques like adaptive generation of binary images and continuous model training with real-world usage data make it possible to extract information from a wide variety of sources like scans, photos, or PDFs within fractions of a second, with an accuracy rate exceeding 91%. Photo payment exemplifies how technological excellence and user-centric design can work hand in hand to simplify everyday tasks significantly.

Photo payment as a secure option.

Technically and from a regulatory perspective, photo payment is equivalent to a standard SEPA transfer – it is processed exactly like a manually entered transfer in the banking app. The same security standards apply as required for all online payment transactions in Germany. These include strong customer authentication (SCA), the use of TAN procedures, and end-to-end encryption of sensitive data during transmission. In addition, each bank may implement its own security measures, such as time restrictions, geofencing, or fraud detection systems based on behavioral patterns. Photo payment integrates seamlessly into the existing security framework of digital banking.

Another important aspect of security is error prevention: When manually entering an IBAN, amount, or payment reference, it’s easy to make mistakes such as transposed digits or omissions. The automated data recognition in photo payment significantly reduces such familiar sources of error. With intelligent text recognition (OCR), the likelihood of incorrect or incomplete transfers is noticeably lower. In practice, this enhances user experience and improves transaction security.

In summary:
Photo payment is not only as secure as a traditional online transfer, but it can actually contribute to even safer processing.

Benefits that pay off.

With photo payment, banking is as easy as taking a snapshot – no annoying typing, no IBAN entry, just take a photo and pay. This saves customers time and makes the banking app a real everyday helper. No wonder it is one of the most frequently used features.
For banks, this means higher app usage, increased customer loyalty and better ratings. More touchpoints, higher NPS and new sales opportunities through up- and cross-selling – a smart solution with real added value. Photo payment creates a win-win situation for banks and their customers.

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FAQ

You have questions, we have answers.

Photo Payment is an innovative function for banking apps that captures invoices or transfer forms using a smartphone camera or PDF upload and automatically extracts the payment data. This saves customers time, reduces input errors and improves the user experience – a decisive factor in the digitalization of payment transactions.

Photo Payment uses intelligent technology to automatically recognize payment data from invoices or remittance slips. As soon as you take a photo of a document and upload it as a PDF or screenshot, the app extracts all relevant data such as IBAN, amount and purpose. They are transferred directly to the transfer form so that you only have to check and approve the payment.

Yes, photo payment meets the highest security standards. Data processing is encrypted within the banking-app without any information being passed on to third parties. In addition, every transaction is secured by established authentication procedures such as TAN or biometric methods.

Photo Payment works in just a few steps: simply call up the function in the banking app, take a photo of the invoice or upload a digital document, check the automatically recognized data and confirm the transfer. Fast, convenient and error-free!