Token Data

Access financial data from banks across Europe.

Token Data enables merchants, PSPs and developers to improve onboarding, engagement and revenue with access to seamlessly aggregated account and transaction data from banks in the UK and Europe.

talk to sales

Deeper data insights

Make better products and decisions with real-time, verified account and transaction data.
Smarter onboarding

Securely access financial data to autofill onboarding forms and increase conversions.
Instant authentication

Automatically retrieve KYC information to instantly authenticate new customers.

Integrate financial data into apps and services. Unlock data-driven innovation faster.

Token Data provides secure access to seamlessly aggregated financial data from banks and financial institutions across Europe and the UK. By enabling access to a consumer’s list of bank accounts, balances and transaction history, Token Data enables merchants, banks and PSPs to create deeply personalised and highly relevant customer experiences, loyalty and value-added programmes.

With access to new customers’ real-time account data, businesses can auto-fill forms to streamline onboarding and increase conversions. Through secure authentication directly with banks, businesses can also automatically retrieve verified KYC information to instantly authenticate new customers. Businesses can also blend API-based payments and financial data insights to reinvent financial experiences with Token’s complete open banking toolkit.

Use Cases

1

Fastest way to access open banking data

Fastest way to access open banking data

Token Data is the fastest, simplest way to securely access account and transaction data from banks across the UK and Europe. Connect once to access and confirm a full list of consumers’ bank accounts, real-time balance information, verified transaction history with date filtering, and categorised transactions.
2

Build sophisticated, data-driven programmes and products

Build sophisticated, data-driven programmes and products

Token Data enables businesses to access real-time transactional data to identify behavioural patterns and develop critical customer insights. Armed with deeper data, merchants can identify loyal customers, trigger personalised lending or sales offers at the point of sale, or build value-added programmes.
3

Create faster, frictionless onboarding experiences

Create faster, frictionless onboarding experiences

With Token Data, businesses can access new customers’ financial data to auto-fill onboarding forms and increase conversions. By performing key financial checks on consumers through secure authentication directly with banks, businesses can also instantly authenticate new customers. Streamlining onboarding cuts cart abandonment and increases success rates for merchants.
4

Launch wealth and behaviour based predictions and notifications

Launch wealth and behaviour based predictions and notifications

Access consumers’ categorised transaction histories to build and launch sophisticated prediction and notification capabilities. Merchants can also use verified customer data to enable assertion driven payments based on age, ID or account.
5

Make smarter risk assessments

Make smarter risk assessments

With a view of consumers’ and businesses’ complete financial footprint, banks can assess risk and creditworthiness with real-time, up-to-date, verified income, account and transaction data from financial institutions across Europe.
6

Gain back-office efficiencies

Gain back-office efficiencies

Unlock the efficiencies of multibanking and provide real-time intelligence to accounting and treasury management teams with access to user-permissioned financial data from across bank accounts. With Token Payments, businesses can also pay invoices from inside accounting software, and allocate incoming funds seamlessly, for faster, easier reconciliation than invoicing and accepting manual bank transfers.

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

see coverage

Why Token

With the broadest open banking connectivity across Europe, Token offers the simplest, fastest way to access data from banks and financial institutions.

01

Broadest bank 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.
02

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.
03

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.
04

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.
05

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.
06

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.