Gini Pay Photo Payment – snap, check, pay.

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.

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.

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.

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.

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.