Our mission is to fuel our partners’ success with industry-leading Pay by Bank solutions.

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We’re making Pay by Bank mainstream.

Having processed the UK’s first open banking-enabled payments in 2018, today, Token.io is a driving force in the industry and a frontrunner in Pay by Bank solutions for banks, fintechs, platforms and payment companies.

01

21

Supported Markets
02

20%

UK open banking payments processed by Token.io
03

3 in 5

Largest UK & Europe FIs partner with Token.io

United by a vision for the future of payments

Todd Clyde

Chief Executive Officer
Tatiana Okhotina

Chief Financial Officer
Saskia Donald

Chief People Officer
Charles Damen

Chief Product Officer
Gideon Fourie

MD & General Manager Germany
Jess Gerrow

Chief of Staff & VP Marketing
Gil Danziger

MD & Chief Technology Officer

Todd Clyde

Chief Executive Officer

Serial entrepreneur with four consecutive exits. 30 years in tech, 10 years in digital banking. Monitise, DigitalThink, Accenture.

Tatiana Okhotina

Chief Financial Officer

Over a decade of experience leading the financial strategies of European fintech scale-ups including CUBE & Azimo.

Saskia Donald

Chief People Officer

Strong people management specialist. 25 years in people management & human resources. Addison Global, Vubiquity, Lumata, Buingiorno.

Charles Damen

Chief Product Officer

Leader in open banking with 20+ years in payments, mobile and internet experience. Worldpay, Thunes, Bumble, Syniverse.

Gideon Fourie

MD & General Manager Germany

Over 25 years professional experience, specialising in strategy, business development and finance. Fiserv, Commerzbank, Barclays, Deloitte, Standard Bank.

Jess Gerrow

Chief of Staff & VP Marketing

Over a decade of experience in strategy, marketing and creative for the fintech and financial services industry.

Gil Danziger

MD & Chief Technology Officer

Technology executive with 25+ years across enterprise software, adtech, marketplaces, and regulated fintech. Co-founded Mondu, building B2B payments and lending infrastructure across the EEA, UK, and the US. Previously at HP, Applift, Glispa, Vehiculum.

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Merchant Payment Ecosystem Awards

Winner: Best Open Banking / A2A Payment Solution 2026
Juniper Research Future Digital Awards

Winner: Best A2A Payments Platform 2025
Open Banking Expo Awards

Winner: Best Open Banking Payment Project 2025 - Consumer

From the Press

09 Jun 2026 Latest

Todd Clyde

Tatiana Okhotina

Saskia Donald

Charles Damen

Gideon Fourie

Jess Gerrow

Gil Danziger

Todd Clyde

Tatiana Okhotina

Saskia Donald

Charles Damen

Gideon Fourie

Jess Gerrow

Gil Danziger

Merchant Payment Ecosystem Awards

Juniper Research Future Digital Awards

Open Banking Expo Awards

We are Token.io

Token.io Appoints Gil Danziger as Chief Technology Officer & Managing Director (Geschäftsführer) of Token GmbH

Token.io takes Pay by Bank into New Era with First UK Payment Scheme in 20 Years

Token.io Introduces Flexible, Reusable Pay by Bank Links

Token.io Co-Leads New ETPPA Chapter to Champion Pay by Bank & Open Banking in Germany

Token.io Recognised as Pay by Bank Leader at Esteemed MPE Awards

Token.io launches “Account on File” feature to boost Pay by Bank checkout conversion

Token GmbH Managing Director Appointed to Berlin Group openFinance Advisory Board

Token.io Chief Product Officer Charles Damen elected to UK Payments Initiative Board

Token.io Secures Top Industry Award for Payment Excellence

Token.io Secures Fourth Consecutive Platinum Award, Leading 'Best A2A Payments Platform' Category

Token.io announces strategic investment by HSBC

Token.io breaks new ground as first third-party provider admitted to giroAPI scheme

Token.io backs new company to advance commercial VRP

Fabrick Partners with Token.io to Expand Pay by Bank to UK

Token.io joins UK Government Vision Engagement Group to shape future of payments

VRP Revolution: Token.io Welcomes UK Open Banking’s Next Leap

Token.io recognised with Banking Tech Award 2024

New report: Merchants, payment providers ready to embrace CVRP but lack of bank support risks progress

Independent analysts rank Token.io as one of top two A2A payment infrastructure providers worldwide

Token.io partners with Santander to steer future of open banking payments

Token.io recognised as industry leader with third Open Banking Innovation Platinum Award

Ecommpay extends partnership with Token.io to optimise real-time open banking payments in more markets

Token.io appoints Gideon Fourie as Managing Director of Token GmbH to Drive European Expansion

Christian von Hammel-Bonten Appointed as Non-Executive Director to the Board of Token Inc

Live from Money20/20 Europe: Token.io and Prommt enhance Pay by Bank user experiences to maximise conversions

Report published on the use of Model Contract Clauses to support cVRP development

Token.io bolsters executive team with key appointments

Token.io stärkt Führungsteam mit wichtigen Personalien

Token.io recognised for best use of open banking for payments

Token.io für “Best Use of Open Banking for Payments” ausgezeichnet

Token.io Joins SPAA Scheme to Deliver Innovation in European Payments

Token.io tritt dem SPAA-Programm bei, um Innovation im europäischen Zahlungsverkehr zu fördern

Token GmbH appoints Artashes Torosyan as Managing Director

Token GmbH ernennt Artashes Torosyan zum Geschäftsführer

Token.io and HSBC Win Banking Tech Awards

Token.io earns flexible work accreditation from Flexa Careers

Industry must collaborate to unlock commercial opportunity of Variable Recurring Payments

Token.io announces Scandinavian expansion with Paysafe

Token.io secures second consecutive Open Banking Innovation Award from Juniper Research

EchoPay and Token.io join forces to transform payments for wholesalers

Token.io recognised as Top 10 Open Banking Platform Provider by FinTech Magazine

Token.io wins 'Payments Tech of the Year' at the 2023 Europe Fintech Awards

Total Processing partners with Token.io to launch open banking-enabled payment capabilities

Token.io’s launch of virtual accounts unlocks full potential of Pay By Bank for ecommerce

Token.io joins United Nations’ Race to Zero campaign as part of SME Climate Hub

Token.io recognised for outstanding A2A payment solution

Flutterwave and Token.io team up to provide Pay By Bank transfer to users in UK and EU

Token.io recognised for product innovation and ground-breaking partnerships

Token.io's Chief Product Officer, Charles Damen, to Speak at Money20/20 Europe

Token.io recognised for industry innovation and leadership

Token GmbH announces the appointment of Dr. Lea Maria Siering as Managing Director

Die Token GmbH holt die erfahrene Dr. Lea Maria Siering in die Geschäftsführung

Token.io launches in Romania

Token.io launches in Italy

Computop integriert Open Banking mit Token.io

Token.io teams up with NatWest Group to unlock wider range of VRP use cases

Computop Adds Open Banking Payments for Merchants with Token.io

Token.io Wins Juniper Research’s Prestigious Open Banking Innovation Platinum Award

Token.io expands connectivity, bringing Open Banking payments to Ireland

Peter Ehmke appointed as Managing Director of Token GmbH

Deutsche Payment partners with Token.io to enhance the European payment experience through Open Banking

Deutsche Payment kooperiert mit Token.io, um das europäische Zahlungserlebnis durch Open Banking zu verbessern