More than 7.2 millionactive photo payment users in December 2025 alone
Photo payment – click, check, pay
Welcome to the market leader in smart payments.
More than 230,000 hourssaved time for users in one month through our automagic payments
2x increased usageof bank customers opening their banking app
Benefits for bank customers
- No more annoying typing and typos
- Positive brand experience
- Efficient user journey turns the mobile banking app into a time-saving machine
- The second most used feature of all banking apps after transaction list
Benefits for banks
- More frequent app usage and increased retention
- Increased NPS and positive ratings in the app store
- Intensified customer loyalty powered by growing touchpoints
- More revenue & profitable up-/cross-selling
194,979,000+ documentsscanned and paid in 2025
92.7% accuracyin data extraction
1.7 secondsavg. processing time
7,220,610 usersmonthly active in 2025
Best extraction accuracy of the required payment information:
97.9%
IBAN
86%
Transfer reference
95,2%
Recipient information
91.5%
Amount to pay
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.
Cash discount calculator – Saving has never been easier.
The new feature works just as easily as the photo payment: 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 cash discount calculator recognizes the cash discount and the date to be observed.
Benefits
Next to the financial overview in the transaction list, photo payment is the second most used feature in banking apps. That means: photo transfer pushes banking app usage, interactions, time spent in the app, return rate, and downloads. And a sticky app is an important prerequisite for the bank to expand its service offering and attractiveness further.
FAQ
You have questions, we have the answers
How does the photo payment work?
If you want to make a transfer, you will find the photo payment option in your banking app. Here you can simply take a photo of an invoice or transfer form and the data will be automatically extracted and inserted. All you then have to do is approve the transfer.
What is the advantage of the photo payment?
The photo payment makes online banking much easier for users. Data does not have to be laboriously typed in and errors are reduced. Time can also be saved significantly. A win-win situation.
Can I also upload pictures I have already taken?
Of course! The photo payment doesn’t just work with pictures that you take at that moment. You can also select images from your library, upload PDFs and even read the data for a payment from screenshots.
What is a photo payment?
A photo payment is a way of making a transfer by simply processing an image on which the pyment data is captured. In concrete terms, all you need to do is take a picture of an invoice or a transfer form and the automatic data extraction will do the rest. This saves you the tedious typing and gives you more time for other things.
saved time for all bank customers in one month
Base: 19,276,239 million transfers in October 2025. Average time required for a transfer on a mobile phone until TAN approval: a) by hand 1:14 min b) by photo payment: 31 sec
Average time required for a transfer on a mobile phone until TAN approval:
a) by hand 1:14 min b) by photo payment: 31 sec
Integration
Little effort. Big impact.
For a successful photo transfer and an ideal customer experience, Gini provides the “Gini Bank SDK” as a white-label solution that can easily be integrated into any banking app with a manageable effort in just one sprint.
- native SDK for iOS (Swift) and Android (Kotlin)
- continuously developed for years and precisely tailored to photo payments
- developed according to Apple and Android best practices, annual adaptation to their operating versions
- configurable user interface for seamless integration into the design of the banking app
- customizations remain intact even when the banking app is updated and do not need to be recreated
- meets the latest accessibility requirements (legally mandatory from 2025 at the latest)
- open source code, integration guidelines, and extensive documentation
- awarded the “Software Made in Germany” by the German Association for IT SMEs
- native SDK for iOS (Swift) and Android (Kotlin)
- continuously developed for years and precisely tailored to photo payments
- developed according to Apple and Android best practices, annual adaptation to their operating versions
- configurable user interface for seamless integration into the design of the banking app
- customizations remain intact even when the banking app is updated and do not need to be recreated
- meets the latest accessibility requirements (legally mandatory from 2025 at the latest)
- open source code, integration guidelines, and extensive documentation
- awarded the “Software Made in Germany” by the German Association for IT SMEs
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