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Plus, onboard faster, fight fraud, and reduce costs to a fraction of other payment methods. Yes, Pay by Bank can do all that — and more.
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Make deposits a breeze with instant bank payments that settle in seconds. Almost anyone with a UK or EU bank account can deposit quickly using Pay by Bank.
Source identity data and instantly verify bank account ownership. All standard as part of our Payments products.
Pay by Bank cuts processing and operational costs to a fraction of traditional payment methods.
Keep users coming back with instant withdrawals directly to verified bank accounts.
Users love our cutting-edge Pay by Bank capabilities, including 1-click and automated deposits.
Easily prove source of funds with deposits direct from verified bank accounts.
With Pay by Bank, users of challenger banks, remittance platforms and digital wallets can pay or deposit in a few clicks with fingerprint or face ID.
In some markets, set up Pay by Bank once and enjoy seamless, one-click payments every time.
See Pay by Bank in action in our Use Case Library.
Get real-time visibility and control over bank account transactions and balances with dedicated UK and/or EU settlement accounts.
Your platform, your brand. Customise payment flows to fit your needs. Easily embed into any experience with Pay by Bank Links and QR codes.
Send secure, instant payouts to verified consumer bank accounts in 21 European markets. All fully automated via API.
Use our plug-and-play payment flows and go to market faster under our licences (PISP/AISP, UK/Europe) for open banking.
Drive adoption and maximise the benefits of Pay by Bank with our collaborative training, advisory and support services.
As the most experience provider to own and operate a Pay by Bank network, we offer the scale and expertise challenger banks, remittance platforms and digital wallets demand.
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.
Limited by your current provider? Partner with Token.io to expand your Pay by Bank solution, enhance your resiliency and boost your performance.
Powering leading Pay by Bank schemes and unrivalled open banking connectivity.
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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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