Automatic loading of payments from bank accounts into the accounting program

More and more companies expect solutions that automate work, reduce errors, and improve financial-data security. At gaminco, this is delivered through integration with AIS Easy Check, based on PSD2 (also referred to as PSA).

AIS is a bank-account information service provided by a licensed payment-service provider. It enables secure download of transaction history, automatic updates for incoming and outgoing payments, and direct transfer of this data to the accounting system. AIS Easy Check is provided by Easy Check sp. z o.o., listed in the Polish Financial Supervision Authority register as an AISP.

The process is fully controlled by the user. The user grants account-access consent, is securely redirected to the bank, logs in to online banking, and the bank exposes data through an API. Easy Check downloads the data and passes it to gaminco without modification, so transactions are visible in the accounting system. Easy Check has no access to logins, passwords, or SMS codes, cannot perform account operations, and retrieves data at most four times per day under PSD2 rules.

PSD2 is an EU directive that introduced the open-banking standard. It enables secure access to banking data by licensed entities, enforces strong authentication, and gives customers full control over the scope and duration of data sharing. The user always knows who has access, which data the consent covers, and how long the consent remains valid.

Benefits include time savings (no manual statement entry), fewer errors (bank-origin data), up-to-date records through regular synchronization, faster reconciliation because payments are visible almost immediately, and better financial control through full transaction history in one system.

The provider is licensed by the Polish Financial Supervision Authority, data is transmitted through encrypted channels, authentication credentials remain inaccessible, and consent can be withdrawn at any time. Easy Check acts as a secure intermediary and does not analyze or categorize data.

Integrating AIS in gaminco is a step toward automated accounting processes, better financial transparency, and safe, compliant digital accounting. It is a practical solution for companies that want to work faster, with more convenience and higher security.