Driving the shift

from traditional

payment methods

to bank payments

contact sales

The A-to-Z toolkit for A2A payments

Accept faster, lower cost account-to-account payments straight from apps and websites. Add open banking payments or financial data to your platform. All from a single interface and integration.

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A complete toolkit

Token is an open banking payments platform with the broadest out-of-the-box coverage for open banking payments and data in Europe.

Designed to scale

Token powers the open banking tech behind some of the world’s most successful global brands. Plug and play, white-label, or use our technology to build your own open banking payment proposition.

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Italy
France
Poland
U.K.
Netherlands
Belgium
Hungary
Austria
Spain
Portugal
Ireland
Latvia
Lithuania
Estonia
Luxembourg
Germany

13 Countries

The broadest European connectivity for account-to-account payments

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Trusted By

The Open Banking Advantage

Token is an open banking platform driving the shift from traditional payment methods to faster, fairer, frictionless account-to-account payments in Europe.

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01

Lower cost payments

With Token, open banking payments are 2-20x lower cost than traditional payment methods and independent of payment values. Open banking payments also eliminate scheme and interchange fees, chargebacks, and PCI-DSS compliance costs.
02

Higher success rates

Account-to-account payments are faster and easier than cards and 3D Secure. With frictionless user experiences and bank direct authentication, open banking payments can also deliver higher success rates.
03

Increased security

With Token, open banking payments are enabled by APIs, not screen scraping, and are securely authenticated directly by banks. Merchants never need to share or store card details.
04

Better user experience

Consumers typically approve A2A payments through seamless app-to-app redirection to their mobile banking app, eliminating tedious, error-prone manual detail entry.
05

Deeper data insights

Businesses can access consumers’ financial data to streamline onboarding, instantly and securely verify accounts, build personalised products and make smarter lending decisions.
06

Complete compliance

With Token, businesses can meet regulations and create new revenue streams with account information and payment acceptance.

Token invests in bank-grade, best-in-class technology and security so you don’t have to.

Token.io Limited is authorised as an Account Information Service Provider (“AISP”) and as a Payment Initiation Service Provider (“PISP“) by the Financial Conduct Authority in the UK (Licence Number: 795904).

Token GmbH is authorised as an Account Information Service Provider (“AISP”) and as a Payment Initiation Service Provider (“PISP“) by the German Federal Financial Supervisory Authority, BaFin in Germany (Licence Number: 158595).

Token also provides technical services for other regulated entities using their own license.

ISO 27001:2013- certified company
PSD2 & SCA compliant
Cyber Essentials Certified
PCI-DSS Level 1 Certified
FCA and BaFin Regulated Company
FCA and BaFin Regulated Company

Why developers love Token

Developer-friendly

Token offers a single API for payments and data. Connect to banks in Europe. Reinvent financial experiences, build lower cost payment propositions, and drive personalised, anticipatory CX with access to richer customer data.
Robust & resilient

Token’s solutions are deployed on robust, cloud-native platforms and container technology. Token has minimal downtime deployment and is scalable (tested to 100TPS, scales to 1000TPS+), observable (monitoring, alerting, tracing, logging), secure (DDOS, MTLS, HSM, encryption, rate limits), and resilient (Kubernetes, multiple AWS zones, active/passive sites).
Always secure

Token’s solutions are protected by payment grade security. Token is PCI-DSS compliant, and has earned the highest levels of security certifications, including ISO27001 and the Cyber Essentials Certificate.
Confirmation of funds

Confirm the available funds in a customer’s bank account through our single API for CBPII.
Access more data

Use Token Data to connect to banks in Europe. Access a customer’s list of bank accounts, their balances, and transaction history.
Initiate payment requests

Use Token Payments to initiate payment requests on behalf of customers, including immediate, future, single/bulk payments and standing orders.

go to documentation

UK Fintech Awards

PayTech Awards

Fintech Awards London

FSTech Awards

The Europas

Open Banking Expo Awards

Open Banking Expo Awards

European Merchant Payment Awards

Emerging Payment Awards

Banking Technology Awards

PayTech Awards

FSTech Awards

Card and Payment Awards

Financial Innovation Awards

Payment Awards

PayTech Awards

TOKEN DATA

TOKEN PAYMENTS

Italy

France

Poland

U.K.

Netherlands

Belgium

Hungary

Austria

Spain

Portugal

Ireland

Latvia

Lithuania

Estonia

Luxembourg

Germany

13 Countries

Trusted By

Lower cost payments

Higher success rates

Increased security

Better user experience

Deeper data insights

Complete compliance

Token invests in bank-grade, best-in-class technology and security so you don’t have to.

Why developers love Token

Developer-friendly

Robust & resilient

Always secure

Confirmation of funds

Access more data

Initiate payment requests

Ready to shift?