Gini Pay Photo Payment – snap, check, pay.

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

Logo

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
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

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.

App Reviews

Happy customers make everyone happy.

App Review 19

Great app that does everything it’s supposed to! The best is the photo payment! Works very well and is really innovative! […]

R P
Sparkasse
01/02/2022
Google Play Store

App Review 18

I am particularly enthusiastic about the photo payment function. Invoices, whether as paper or as files, all relevant data is almost always read – TOP. […]

Vita Engel
DKB
01/02/2022
Google Play Store

App Review 17

[…] Especially the transfer like a chat or the photo transfer are very comfortable.

DaniMo316
comdirect
02/02/2022
App Store

App Review 16

[…] Especially the function to pay an invoice via scan is great. All fields will then be filled in automatically!

BastiLejon
Deutsche Bank
01/02/2022
App Store

App Review 15

Always up to date. Paying an invoice with a photo works well. Image recognition is getting better and better.

Felli42
ING
01/02/2022
App Store

App Review 05

Today photo payment carried out (the 1st time). Excellent application. No typos, great.

Peter Walter M.
ING
27/07/2021
Google Play Store

App Review 06

[…] Otherwise, the app is good. Clear, and photo payment works very well compared to other apps. […]

delta51
Comdirect
27/07/2021
App Store

App Review 07

[…] Photo payment is a great feature. Take a photo and it’s immediately transferred. […]

Leander Spalinger
TEO
27/07/2021
Google Play Store

App Review 08

The app works perfectly. Photo payment is a huge relief.

Joerg Maisch
TEO
27/07/2021
Google Play Store

App Review 09

The invoice scanner is great. No more typing. Take a photo and you’re done.

SteffenNF
HVB Mobile Banking
27/07/2021
Google Play Store

App Review 10

[…] I particularly like the function that transfer orders can be read in by photo. We recommend! […]

RM6193
Sparkasse
27/07/2021
App Store

App Review 11

[…] I like the photo payment best. I have never done transfers so easily and without long typing of very long numbers.

Ulrike Lüdiger
ING
27/07/2021
Google Play Store

App Review 12

Great app, always up to date. Photo payment, via QR code works great.

Ga Ho
Sparkasse
27/07/2021
Google Play Store

App Review 13

App works fine. Photo payment is well done, quick, and reliable.

Franz Deelmann
DKB
27/07/2021
Google Play Store

App Review 14

[…] Easy to use, many additional functions, such as taking a picture of an invoice with extracting the data for the transfer, simply brilliant.

Gulliver für Perschi
Deutsche Bank
27/07/2021
App Store
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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!