Driving the shift

from traditional

payment methods

to bank payments

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The A-to-Z toolkit for A2A payments

Join the best and brightest merchants, PSPs and banks creating new capabilities and revenue streams through Token’s broadest, Pan-European connectivity to over 3,000 banks.

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A complete toolkit

Token is an open banking payments platform with best-in-class, Pan-European bank connectivity, data and compliance capabilities.

One integration

Initiate frictionless, real-time account-to-account (A2A) payments straight from apps and websites. All from a single interface and integration.

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Italy

274 banks
France

96 banks
Poland

11 banks
Germany

2418 banks

3000+ banks

The largest European network of connected banks for payments

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Trusted By

The A2A Advantage

Token offers the simplest way to accept faster, lower cost bank payments and access seamlessly aggregated customer data from any bank in Europe.

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01

Lower cost payments

Get paid faster, at a lower cost, with account-to-account payments. No more chargebacks, scheme or interchange fees.
02

Higher success rate

A2A payment success rates are better than cards.
03

Complete compliance

Meet regulation and create new revenue streams with account information and payment initiation.
04

Deeper data insights

Turn account and transaction data into decisions with the broadest, Pan-European connectivity.
05

Increased security

Eliminate the use and storage of card numbers. Fight back against fraud with bank-grade user authentication.
06

Better user experience

Faster and easier than cards and 3D Secure. Streamline customer onboarding with rich data.

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.