Checkout on First Time Visit

Frictionless e-commerce

Online merchants can easily add a bank direct payment option to their checkout page. Shoppers can now purchase with a single click, even when not being a registered customer. Authorisation occurs through the Token app and no user credentials, or other sensitive data is ever stored by the merchant.

Approve payment to merchant

E-commerce benefits


Increase merchant revenue

Purchases are completed with a single click and no typing. Cart abandonment drops drastically and purchases convert quickly.


Low cost for merchant

Merchants fees are often half that of payment card transaction fees. Here there are no middle men to feed.


More revenue for banks

Payer’s (issuing) bank can earn more than credit/debit card interchange.


No PCI requirements

Token’s security is based on public-key cryptography. No usernames, passwords, card numbers or one-time codes.


Delightful customer experience

1-click purchase at any participating online merchant. Secure, “tap-tap” authorisation on the smartphone.

Powered by smart tokenisation

The merchant onboards the Token network and adds the Token Quick Checkout button to the checkout page. This is typically done by copy, editing and pasting a few lines of html code.

Payments are authorised using smart tokens. When a customer clicks to purchase, the merchant presents the customer (through the Token mobile app) with a request for a smart token.

The customer approves the request and a smart token is generated with terms and conditions specific to the purchase.

The merchant then presents the smart token to the customer’s bank (via the Token network) and requests to be paid. This initiates a payment from the customer’s bank to the merchant’s bank using the underlying push payment rail (e.g. FPS in the U.K., or SCT in the EU).

Checkout the developer documentation.



Onboard as a Token merchant

Registration is as easy as making an API call using the Token SDK. This will onboard you and create your private/public keypair.


Integrate with your payment gateway

Add the Token payment option to your
gateway offering.



Make sure to test your integration. First in a sandbox environment and then with a few
select customers.


Go live!

Enjoy the increase in revenue!

Schedule a personal demo

One of our friendly staff members will schedule a demonstration with you immediately.