Token Data

Data from 3,000 banks. One integration.

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

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Deeper data insights

Turn account and transaction data into decisions — and opportunities.
Smarter onboarding

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

Automatically retrieve KYC information to instantly authenticate new customers.

Token Data enables faster, data-driven innovation.

Token Data provides secure access to seamlessly aggregated account and transaction data from over 3,000 banks in Europe. All from a single interface. Token Data streamlines customer verification and onboarding to increase conversions. By accessing new customers’ financial data, you can auto-fill onboarding forms. Through secure authentication directly with banks, you can even automatically retrieve KYC information to instantly authenticate new customers.

By enabling access to a consumer’s list of bank accounts, balances and transaction history, Token Data also enables merchants, banks and PSPs to create deeply personalised and highly relevant customer experiences, loyalty and value-added programmes. With Token’s complete toolkit, you can also blend API-based payments and data insights to reinvent financial experiences.

Use Cases

1

Fastest way to access and leverage open banking data

Fastest way to access and leverage open banking data

Token Data is the fastest, simplest way to access transaction and account data through open banking. Get a full list of a customer’s accounts, real-time balance information, transaction history with date filtering, and categorised transactions with our broadest connectivity to over 3,000 banks in Europe.
2

Launch sophisticated, data-driven programmes and offers

Launch sophisticated, data-driven programmes and offers

With access to seamlessly aggregated transaction and account data across 3,000 European banks, Token Data allows corporate bank customers to build deeply personalised customer experiences, loyalty and value-added programmes. You can even trigger highly relevant offers based on real-time consumer behaviour.
3

Profit from faster, frictionless onboarding

Profit from faster, frictionless onboarding

With Token Data, you 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, merchants can even instantly authenticate new customers.
4

Wealth and behaviour based predictions and notifications

Wealth and behaviour based predictions and notifications

Launch sophisticated prediction and notification capabilities with access to categorised transaction history. Use customer data to enable assertion driven payments based on age, ID or account. Unlock the potential of holistic wealth-analysis based payments and opportunities.

TRUSTED BY

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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Why Token

Unlike other solutions that only offer payments or data, Token provides a complete open banking toolkit.

01

Broadest bank connectivity

Token Data provides secure, unified access to seamlessly aggregated account and transaction data from banks in Europe. All from a single interface and API.
02

Fastest way to leverage open banking data

Build and launch new, data-driven propositions faster than ever with access to transaction and bank account data from European banks.
03

Best-in-class technology

Token invests in bank-grade, best-in-class architecture patterns and technologies, so you don’t have to. Our platform is secure, scalable, performant and auditable.
04

Reduced regulatory load

By acting as the principal regulated entity for the purposes of bank API connections, Token reduces your organisation's regulatory load.
05

Complete toolkit

With Token’s complete toolkit, you can blend API-based open banking payments and data insights to reinvent financial experiences.
06

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.

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.