Gini Reviews & Product Details

Gini is a Munich-based AI company that turns invoices, bills and other documents into ready-to-use payment data inside banking, insurance and finance apps. Its flagship product, Gini Pay Photo Payment (known in Germany as "Fotoüberweisung"), lets people pay an invoice by taking a photo of it or by sharing a PDF, screenshot or QR code with their banking app. Gini's AI extracts the recipient, IBAN, amount and payment reference and pre-fills the bank transfer in about 1.7 seconds. Gini powers photo payment in more than 90% of Germany's top retail banks, including Deutsche Bank, Commerzbank, Sparkasse, DKB, HypoVereinsbank, comdirect, Consorsbank and the Volksbanken Raiffeisenbanken, as well as UniCredit Bank Austria. In 2025, 7.2 million monthly active users scanned and paid more than 194 million documents with Gini, with 92.7% extraction accuracy. Gini products: - Gini Pay Photo Payment (Bank SDK): photo, PDF, screenshot and QR code (GiroCode) payments for iOS and Android banking apps, with Return Assistant, Cash Discount Calculator and 9 languages. - Gini Pay Connect: lets health insurance and other apps hand a bill to the user's banking app, so it can be paid with one extra tap. - SEPA Request-to-Pay: pushes payment requests directly into the customer's banking app, for e-commerce and billing. - Gini Smart OCR+: AI-based OCR and data extraction for more than 50 invoice fields, including e-invoices (XRechnung, ZUGFeRD), for accounting, expense and ERP software. - Mobile Capture and Smart Claims Folder: in-app scanning of medical bills, receipts and claim documents for insurers. Who uses Gini: Retail banks and their IT providers, private health insurers, accounting and finance software providers. Integration and security: Gini provides ready-to-use SDKs for iOS (Swift) and Android (Kotlin) plus REST APIs, with open-source SDKs on GitHub. All data is processed on bare-metal servers in Germany, independent of US cloud providers and in line with GDPR. Gini is certified to ISO 27001. Why teams choose Gini: - No manual IBAN entry, so fewer typing errors and failed transfers - More logins and engagement in the banking or insurance app - Faster claims and invoice processing through automated extraction - Proven at scale with millions of users every month