Request-to-pay: The game changer in e-commerce
Gini enables automagic payment with your mobile banking app, powered by SEPA Request-to-pay.
E-commerce next level
Online payment that really works.
Shopping is really fun when the store not only delivers the best goods, but also the best shopping experience. That’s why we are revolutionizing the A2A payment process and creating a simple and fast payment connection to the house bank with SEPA Request-to-pay. This offers exactly the trustworthy payment experience that customers want today – and helps stores and shoppers alike to ensure that paying for their shopping basket works as if by magic. Or as we say: the checkout simply becomes automatic with SEPA request-to-pay!
That’s how sexy payment can become:
E-commerce solutions
With us, payment becomes digital first.
With SEPA Request-to-pay from Gini, we ensure that shopping is exciting in the truest sense of the word. We do this by offering an intelligent solution to the challenge of payment identification and integrating the mobile banking app that customers are familiar with. Thanks to the account-to-account solution, we can extend the “traditional payment process” and offer three innovative ways to establish the connection between payer and payee. This saves unnecessary logins, clicks and time. And makes the payment automatic.
High conversion rates
because the bank logo is visible in the payment mix of the checkout process
Less transaction fees
thanks to SEPA credit transfers
Available everywhere
in mobile apps, web stores, and PoS
Identification in the banking app
Strong Customer Authentication between user and merchant without signing up
Free choice of payment terms
Instant payment or purchase on account, selected by the merchant
Four ways to connect payers and payees:
App-to-App
Gini Pay Wallet – Features
App-to-App
In the context of e-commerce in native mobile apps, users can choose to pay with their own bank without sharing any information at the checkout step. Our App-to-App functionality takes care of redirecting users to their preferred bank, where they receive the Request-to-Pay message and accept it with their defined authorization method.
Web-to-App
Gini Pay Wallet – Features
QR-to-App
Gini Pay Wallet – Features
Customer Centric
From the e-commerce to the banking app in just 1 click.
Trust is the most important asset in financial and payment matters. That’s why more than half of Germans are interested in paying online with their current account bank, and more than 20 percent would even replace their preferred third-party payment provider.
Gini makes it easy to identify payments and reduces potential sources of error to zero. We also link the customer’s payment at checkout to their bank account and banking app. With just one click, all payment details are automatically filled in and transferred – and all the customer has to do is confirm. The result: third-party providers become superfluous. And payment feels exactly how it should feel today: simple!
Assuming it was offered with online purchase, would you be interested in paying online using your banking app?
Haven’t we met before?
Access to retail banks means access to millions of users.
Pretty much everyone in Germany has been using payment solutions from Gini – after all, our photo payment technology is in the “engine room” of almost every retail banking app. This also makes Gini the perfect e-commerce partner. Thanks to excellent connections to the banks and over 10 years of smart payment expertise, Gini’s SEPA Request-to-Pay brings everything it takes to delight millions of customers. We are ready to set new standards for your business – are you, too?
FAQ
You have questions, we have the answers
Integration
Easy to use,
easy to integrate.
All Gini solutions are specifically designed for mobile payment and offer reliable data transfers in real-time. Whether for iOS or Android – our ready-to-use software development kits (SDKs) allow easy integration and adaptation to the UI/UX of the existing e-commerce app. The applications are constantly being further developed, are “Made in Germany”, and are hosted on ISO-certified servers in Germany.
Your invest: a few days of development and integration.
The benefit: your e-commerce app that has solved payment pain points.
Contact us
