contact sales
Plus, fight fraud, eliminate chargebacks and maximise cashflow. Yes, Pay by Bank can do all that — and more.
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Pay by Bank cuts processing and operational costs to a fraction of traditional payment methods.
Achieve conversion rates >95% in top markets. Plus, boost conversions with our innovative Account on File feature — at no extra cost.
Fast and intuitive to use, with no manual data entry. In select markets, boost conversions with 1-click payment for returning payers.
Embed Pay by Bank into nearly any experience including point of sale, chat, email and invoices with Pay by Bank Link and QR.
Deliver goods and services faster, and improve cashflow management. Pay by Bank settles in seconds, not days.
Every payment is authenticated directly with a bank to eliminate fraud. Merchants never store or share sensitive data.
Pay by Bank users enjoy seamless transactions, completing payments and deposits with biometric authentication in just a few clicks.
See Pay by Bank in action.
Explore our Use Case Library.
Satisfy customers and eliminate extra work with automated, instant API-driven refunds. Reconciliation is easy with dedicated UK/EU settlement accounts.
Your checkout, your brand. Customise our payment flows to fit your needs.
Embed Pay by Bank into any experience with flexible Pay by Bank Links. Effortlessly transition payments from desktop to mobile via QR for fast authentication (fingerprint or face ID).
Drive adoption and maximise the benefits of Pay by Bank with our collaborative training, advisory and support services.
Get real-time visibility and control over transactions and refunds with dedicated settlement accounts.
Use our conversion-boosting payment flows and go to market faster under our licences (PISP/AISP, UK/Europe) for open banking.
Powering leading Pay by Bank schemes and unrivalled open banking connectivity.
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One partner for the easiest access to leading Pay by Bank schemes, the broadest acceptance, highest conversions and fastest time to success.
Reach more payers in more markets. Initiate payments to over 567 million bank accounts in the UK & Europe through our unrivalled Pay by Bank network.
The first and most experience provider to own and operate a Pay by Bank network, Token.io provides the scale and expertise the world’s largest merchants demand.
Cutting-edge infrastructure
Winner: Best Open Banking / A2A Payment Solution 2026
Winner: Best A2A Payments Platform 2025
Winner: Best Open Banking Payment Project 2025 - Consumer
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