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TEO photo payment

Pay any invoice in seconds with the photo payment in your TEO app.

Your banking app can do photo payment!

Spardabank customers who use the TEO mobile banking app benefit from a time-saving and precise transfer solution. The function is now available in the TEO app. Customers of Spardabank can thus pay the invoice amount with the banking app via smartphone photo, QR-pay recognition, or direct sharing of a digital invoice. The cumbersome typing of the corresponding information is no longer necessary.

What is the photo payment?

App reviews

Instructions

Photo payment

TEO App

The Spardabank TEO banking app is available for free download for Android in the Google Play Store and iOS in the Apple App Store. Download the app, log in to your customer account and save time with the number 1 feature of all German banking apps: photo payment.

Android devices

Download the TEO app in the Google Play Store, which works on your Samsung, Xiaomi, LG, and other smartphones and tablets.

Apple devices

Download the TEO app in the App Store, suitable for your iPhone or iPad.

What is photo payment?

The smart way to pay paper invoices.

Paying a paper invoice without typing in the recipient’s data – the photo payment in the TEO app makes it possible. Regardless of whether invoices are available as a photo, scan, screenshot, or PDF: all information gets extracted to fill out the transfer mask fully automatically. That’s the magic of the Gini Pay photo payment.

Turns wire transfers into a piece of cake.

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App reviews

Excites everyone.

App Review TEO 12

Very clear and easy to understand in my opinion. Fast random photo payment. What more do you want.

r humpty
TEO
13/12/2022
Google Play Store

App Review TEO 11

I am satisfied with the app, all accounts are clearly displayed. Transfers work perfectly, both by manual entry, by photo of the invoice or by QR.

Gerhard D.
TEO
20/11/2022
Google Play Store

App Review TEO 10

Clear, good functionality. Very good: photo payment

Joachim Herchet
TEO
05/08/2022
Google Play Store

App Review TEO 09

Solid app for online banking, good overview, photo payment works perfectly. The only thing I often can’t access is messages.

Tina K
TEO
07/07/2022
Google Play Store

App Review TEO 08

update 2: I’ve now decided on 5 stars. I can hide all the stuff I don’t want very well now, the rest is really great. my favorite: the photo payment.

Werner Puttner
TEO
28/06/2022
Google Play Store

App Review TEO 07

Simple operation, reliable work. Super: both photo payment and QR transfer possible.

Thomas Krull
TEO
29/05/2022
Google Play Store

App Review TEO 06

Practical app especially for transfers via photo and QR code

xaver leisching
TEO
06/09/2021
Google Play Store

App Review TEO 05

…usually everything works very well, I think the photo payment in particular is a great idea 💡

Alini Be
TEO
09/08/2021
Google Play Store

App Review TEO 04

The app runs stable, the photo payment and QR code is ok. Yes, of course the app needs a few seconds to boot up, but if it’s just that. Something positive has the app u developer

MarekMarek 111
TEO
18/04/2021
Google Play Store

App Review TEO 03

The app is now very easy to use. photo payment works surprisingly well. Even Paypal could be integrated. Everything is great, please keep it up.

Klaus Rohfleisch
TEO
16/04/2021
Google Play Store

App Review TEO 02

The app is great. This is my first mobile app for banking because I used to do it on my PC before. A great feature is the photo payment. A photo and zack transferred. The fingerprint works well too. The integration of my Spardabank and savings bank accounts also worked very well. Highly recommended

Leander Spalinger
TEO
19/02/2021
Google Play Store

App Review TEO 01

The app works perfectly. photo payment is a great relief.

Joerg Maisch
TEO
14/02/2021
Google Play Store
Instruction on photo payment

Wiring made simple.

With the TEO app, you can easily snap paper invoices, as well as invoices with QR codes, or upload directly from your media library (PDF, JPG, PNG, or GIF). All you need is a mobile device with the banking app installed. For the photo payment, the camera should have more than 8 megapixels, as well as autofocus and flash.

How you make the photo payment

Open the TEO app on your phone.

Go to the “Photo transfer” function under the “Transfer” menu item.

Put the invoice or the transfer slip on a plain surface like a table.

Hold your mobile device above the document or the QR code, and press the snap button.

Check and change the extracted data (IBAN, reason for transfer, etc.) in your banking app.

Confirm the transfer with your 2FA method – done!

Typical errors

The document is wrinkled.

The document is not properly adjusted to the frame shown on the camera screen.

Documents are lying on top of each other and cover relevant information.

The background is to bright.

There is not enough lighting to make a proper photo.

The transfer slip is not parted from the rest of the document.

Certificates

Footer list slide 1

10+ years on the market

Data center in Germany

Footer list slide 2

Implementation via SDK

ISO 27001 certified

Footer list slide 3

Real-time data extraction

Encrypted data transfer

Footer list mobile slide 1

10+ years on the market

Data center in Germany

Implementation via SDK

Footer list mobile slide 2

ISO 27001 certified

Real-time data extraction

Encrypted data transfer

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