Token Compliance

Clear the decks of regulatory complexity.

Token Compliance is a turnkey compliance solution that satisfies all PSD2 obligations for banks and electronic money institutions.

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Turnkey compliance solution

Satisfy all PSD2 obligations quickly and easily.
Open API

Off-the-shelf compliance with a warranty to the RTS and lowest total cost of ownership.
Frictionless TPP onboarding

Accelerate your roadmap with frictionless TPP onboarding.

Use Cases

1

Fulfill compliance requirements faster

Fulfill compliance requirements faster

With an open API, white label sandbox, and documentation, Token Compliance gives you everything you need to fulfil PSD2 compliance faster.
2

Accelerate your roadmap

Accelerate your roadmap

Accelerate your roadmap with Token Compliance’s frictionless TPP onboarding.
3

Profit from open banking opportunities

Profit from open banking opportunities

Get up and running with open banking across Europe with Token’s complete toolkit. We’ve invested in AIS/PIS connectivity to banks across Europe and the UK so you don’t have to.

TRUSTED BY

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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Why Token

Token gives you everything you need to fulfil compliance and create new revenue streams with payment initiation and access to user-permissioned financial data.

01

Turnkey compliance solution

Satisfy PSD2 obligations quickly and easily. Get off-the-shelf compliance with a warranty to the RTS and lowest total cost of ownership.
02

Broadest connectivity

Token’s broadest out-of-the-box open banking coverage across the UK and 13 EU countries reaches over 210 million potential end-users of Open Banking services. All from a single interface and API.
03

Complete open banking toolkit

With Token’s complete open banking toolkit, businesses can blend API-based payments and financial data insights to reinvent financial experiences.
04

Use our PSD2 licence or bring your own

Token is a licensed Payment Initiation Service Provider (PISP) and Account Information Service Provider (AISP) in the UK and Europe. By acting as the principal regulated entity for the purposes of bank connections, Token can reduce your organisation’s regulatory load.
05

Channel ready

Token has a fully brandable merchant dashboard, developer portal and customer UI that embeds hierarchy to segment merchant reporting and functionality by distributor.
06

Best-in-class technology

With bank-grade, best-in-class architecture patterns and technologies, Token’s platform is secure and scalable. Token is also PCI-DSS compliant and has earned the highest levels of security certifications, including ISO27001 and the Cyber Essentials Certificate.
07

Bank-grade security

Token’s connections to European banks and financial institutions are 100% API based, leveraging the highest possible bank-grade security to reduce the risk of fraud, data breaches and mobile hacking.
08

Reseller friendly by design

Token has a fully brandable merchant dashboard, developer portal and customer interface that embeds hierarchy to segment merchant reporting and functionality by distributor. Other reseller friendly features for PSPs, gateways and acquirers include self-service merchant onboarding, customer billing, and hierarchical configuration management.

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.