Gini
Gini provides AI-powered document intelligence and payment platform SDKs/APIs embedded inside the mobile apps of major German and Austrian banks, insurers, and e-commerce merchants. It automates invoice capture, data extraction, and payment initiation, processing 19 million photo-payment scans per month.
- Company typePrivate
- Founded2011
- HeadquartersMünchen, Germany
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What Gini does
Gini (Gini GmbH) is a Munich-based, AI-native document intelligence and payment platform founded in 2011 and acquired by US-based Banyan Software in February 2026. The company provides SDKs and APIs that financial institutions, insurance providers and e-commerce merchants integrate directly into their mobile applications to automate invoice capture, data extraction and payment initiation. Its product portfolio centers on two platforms: Gini Smart (proprietary computer vision and NLP for document extraction, including the named Gini Smart OCR+ engine and mobile document input) and Gini Pay (photo payment, QR code scanning supporting EPC, GiroCode, SPC, SPD and UPNQR standards, screenshot and PDF payments, SEPA Request-to-Pay, and cross-border photo payment), connected via the Gini Pay Connect integration layer that links insurers and merchants to banking apps. Technical infrastructure includes iOS and Android SDKs (Bank SDK, Health SDK), public APIs (Pay, Health, Smart/Accounting), TrustKit-based key pinning, and an API uptime SLA of 99.95% over 90 days as of June 2026. Gini processes 19 million photo payment scans per month (November 2025) and has reached an estimated EUR 10 million ARR in 2025 with run-rate EBITDA breakeven.
The company operates an OEM/embedded go-to-market, distributing its technology as in-app functionality inside the mobile banking apps of most major German and Austrian banks — including Deutsche Bank, Commerzbank, Sparkasse, DKB, Volksbanken Raiffeisenbanken (via Atruvia), HypoVereinsbank, Bank Austria, comdirect, APO-Bank and Sparda-Bank — plus insurance (ottonova) and e-commerce platform integrations (Shopware, WooCommerce). Revenue is generated through recurring SDK/API licensing on annual upfront billing with standard three-year license terms and automatic renewal, supplemented by direct Provider API licensing to enterprise merchants with custom shop systems. Marketing combines content (whitepapers, the annual YouGov banking app study), developer relations (GitHub, documentation portal, demo apps), events, PR (markengold PR) and social channels. The company holds ISO 27001 information security certification and EcoVadis Silver Medal 2025 for sustainability, and is staffed by over 50 people.
Gini firmographics
Firmographics- Name
- Gini
- Legal name
- Gini GmbH
- Website
- https://gini.net
- Company type
- Private
- Founded year
- 2011
- Operating status
- Acquired
- Headcount range
- 11–50 employees
- Short description
- Gini provides AI-powered document intelligence and payment platform SDKs/APIs embedded inside the mobile apps of major German and Austrian banks, insurers, and e-commerce merchants. It automates invoice capture, data extraction, and payment initiation, processing 19 million photo-payment scans per month.
- Ownership category
- akta.pro rank
Gini industry classification
Industry- Product category
- Payment Processing Software
- NAICS
- Software Publishers (5132)
- SIC
- Services-Computer Programming Services (7371)
- akta.pro primary industry
- A2A Payment Initiation Service Providers (PISPs) (FSAMAFAB)
- akta.pro secondary industries
- Embedded Insurance & Affinity Distribution Platforms (FSAGAGAL), Financial Services Personalization (Banking, Investing, Insurance) (HDAAAGAH)
Keywords
Where Gini is headquartered
LocationHeadquarters
- HQ city
- München
- HQ country
- Germany
- HQ region
- Europe
Offices1 record
Markets served
Gini business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Infrastructure, Marketing or Sales, Operations
Revenue model
- API and SDK Licensing: Gini licenses its Provider API and payment modules to merchants and financial institutions. Registration is free, but usage of the API or payment modules incurs licensing fees paid annually in advance. Licenses have a standard term of three years with automatic annual renewal.
- Banking Integration Licensing: Banks and insurance companies pay for deep integrations of Gini's document intelligence and payment solutions into their mobile apps. Revenue is derived from SDK deployment and API usage across enterprise financial institution clients.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Hybrid | Annual | Free registration with paid licensing for API/SDK usage |
Go-to-market motion3 records
Distribution channels4 records
Marketing channels7 records
Gini product offering
Product offeringCore offering
Gini provides an AI-powered document intelligence and payment initiation platform delivered as SDKs and APIs that banks, insurance companies and e-commerce merchants embed into their own mobile apps. Its core capabilities include photo-based payment (Fotoüberweisung), OCR-based extraction of structured data from invoices, receipts and contracts, QR code / SEPA Request-to-Pay initiation, and an integration layer (Gini Pay Connect) that connects insurance providers and merchants with banking apps. The offering is sold as licensed software (annual fees, three-year terms) to enterprise financial institutions across DACH.
Product overview
Gini provides an AI-powered document-intelligence and payment platform for financial institutions, insurance companies, and e-commerce businesses. The product portfolio centers on two core platforms: Gini Smart for document extraction (using proprietary AI with computer vision and NLP) and Gini Pay for payment initiation. Gini Smart includes OCR+ enhanced recognition and mobile input capture for processing invoices and financial documents. Gini Pay encompasses photo payment, QR code scanning, screenshot payments, PDF payments, and SEPA Request-to-Pay across multiple formats including cross-border European payments. Gini Pay Connect serves as a platform linking insurance providers and e-commerce merchants with banking apps for streamlined invoice and payment workflows. The company offers iOS and Android SDKs (Bank SDK, Health SDK) for developer integration, along with public APIs for document processing, payment initiation, and accounting extraction. Founded in 2011 and headquartered in Munich, Gini was acquired by Banyan Software in February 2026.
Differentiator
Problem solved
Functional benefit
Products and services
- Gini Smart AI-powered document extraction and recognition platform that uses proprietary computer vision and NLP to capture and process information from invoices, receipts, contracts and other financial documents in real time. Sold as licensed software to enterprise financial institutions, insurance companies and e-commerce merchants who integrate it via SDK or API.
- Gini Pay (Photo Payment / Fotoüberweisung) Mobile payment initiation feature set that lets users photograph an invoice or scan a QR code within a banking app and automatically extract payment details (amount, IBAN, sender) to prepare a bank transfer. Includes photo payment, screenshot payment, PDF payment, QR invoice scanner, cross-border photo payment and SEPA Request-to-Pay. Sold as licensed software to banks and merchants.
- Gini Pay Connect Integration platform that connects insurance providers and e-commerce merchants with banking apps to streamline invoice submission and payment workflows across industries. Enables seamless cross-app handoff so that a document or payment request originating in an insurance or merchant app can be paid from the user's banking app.
- Gini Bank SDK Software development kit for iOS and Android that banks integrate into their mobile banking apps to add Gini photo payment, return assistant, cash discount calculator, document capture and Gini Pay Connect functionality. Sold under non-exclusive worldwide licensing.
- Gini Health SDK Software development kit for iOS and Android that health insurance and e-commerce apps integrate to capture documents and trigger payments via the user's banking app, enabling digital claims submission and reimbursement flows.
- Gini Vision Library Legacy SDK for iOS (and related platforms) for document capture and handover to the Gini API. Superseded by the current Bank SDK and Health SDK but referenced in GitHub repositories.
Quantifiable outcome
- 19 million scans per month with approximately 50% year-over-year growth
- +2 more outcomes
Companies that use Gini
Customer profileNamed customers10 records
Segments3 records
Ideal customer profiles3 records
Gini technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability9 records
Feature5 records
Gini partnerships and signals
Strategic signalScale indicators6 records
Recent moves6 records
Expansion highlights6 records
Gini competitors and assessment
Company assessmentDirect peers
- Tink (Visa): Tink is a leading European open banking platform owned by Visa that provides account-to-account payment initiation and financial data APIs to banks and financial institutions. It directly competes with Gini in the PISP space across European markets, with comparable technology and similar bank-embedded GTM motion.
- TrueLayer: TrueLayer is a UK-based open banking platform offering payment initiation and financial data APIs to banks, fintechs, and merchants. It is one of the most direct competitors to Gini in European A2A payment initiation, with a similar API-first developer model and bank-embedded strategy.
- Yapily: Yapily is a London-based open banking API platform enabling payment initiation and data connectivity across European banks. Like Gini, it serves banks and fintechs with A2A payment infrastructure, and competes for similar enterprise bank relationships.
- Rossum: Rossum is a Prague-based AI document processing platform specializing in invoice and business document extraction. It competes with Gini's Gini Smart and OCR+ offering on enterprise document intelligence, particularly in the accounts payable automation space.
- Hypatos: Hypatos is a Berlin-based deep learning platform for automated document processing, with strong focus on invoice and financial document extraction. As a German-headquartered competitor, it directly overlaps with Gini's document intelligence product and serves similar enterprise finance and AP automation use cases.
- Token: Token is a London-based open banking payment initiation platform focused on A2A payments for banks and merchants. It is a direct competitor to Gini Pay and Gini Pay Connect in the European payment initiation market.
Broad incumbents
- Klarna: Klarna is a leading European payments and shopping network offering account-to-account payment options (Pay Now) through its Pay Now product. While much broader than Gini, its PISP capabilities and bank partnerships overlap with Gini's payment initiation offerings in Europe.
- Worldline: Worldline is a European payment processing giant offering a broad suite of merchant acquiring, payment initiation, and banking-as-a-service solutions. It represents a much larger incumbent that competes with Gini's payment products at scale across European banks and merchants.
Emerging players
- Veryfi: Veryfi is an AI-powered document extraction API platform processing invoices, receipts, and financial documents. It competes with Gini's OCR+ engine, with stronger US presence but expanding into European financial services.
Regional players
- Finleap Connect: Finleap Connect (now part of the Solaris Group) is a Berlin-based fintech platform providing open banking and payment infrastructure to European banks. As a DACH-focused competitor, it overlaps with Gini's regional banking partnerships and open banking connectivity offerings.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Gini social profiles
Digital presenceGini compliance and trust
Trust signalCompliance2 records
Gini financial estimates
Financial estimateRevenue estimate
Valuation estimate
Gini leadership team
Management profileNumber of profiles
Profiles2 records
Gini funding detail
Funding detailFunding overview
Funding rounds6 records
Investors4 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Gini M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Gini
What does Gini do?
Gini provides an AI-powered document intelligence and payment initiation platform delivered as SDKs and APIs that banks, insurance companies and e-commerce merchants embed into their own mobile apps. Its core capabilities include photo-based payment (Fotoüberweisung), OCR-based extraction of structured data from invoices, receipts and contracts, QR code / SEPA Request-to-Pay initiation, and an integration layer (Gini Pay Connect) that connects insurance providers and merchants with banking apps. The offering is sold as licensed software (annual fees, three-year terms) to enterprise financial institutions across DACH.
Is Gini a public or private company?
Gini is a private company. It is classified as private equity controlled and is currently acquired.
When was Gini founded?
Gini was founded in 2011. It employs 11 to 50 people.
Where is Gini based?
Gini is headquartered in München, Germany, in the Europe region.
How does Gini make money?
Two revenue lines are on record. API and SDK Licensing is the primary driver. The others are banking Integration Licensing.
Who are Gini's main competitors?
Direct peers on record are Tink (Visa), TrueLayer, Yapily, Rossum, Hypatos and Token. Broad incumbents are Klarna and Worldline. Veryfi is listed as an emerging player. Finleap Connect is listed as a regional player.
Does Gini have an API?
Yes. Gini provides multiple public APIs for document processing, payment initiation, and data extraction. The Gini Pay API enables photo payment functionality with return assistant and payment functionality. The Gini Health API processes documents and retrieves structured information. The Gini Smart API (Accounting API) provides document extraction capabilities. APIs are available via SDKs for iOS and Android, with documentation hosted on Atlassian Wiki and developer.gini.net. Public key pinning is supported using TrustKit. Developer documentation is at gini.atlassian.net/wiki/spaces/GTS/overview.
What industry is Gini in?
Gini's product category is Payment Processing Software. Its primary akta.pro industry code is FSAMAFAB, A2A Payment Initiation Service Providers (PISPs), with a secondary code of FSAGAGAL, Embedded Insurance & Affinity Distribution Platforms. Its NAICS code is 5132 and its SIC code is 7371.