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Delight customers, cut processing costs and enhance user experiences with a valuable, in-demand payment solution.
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Cutting-Edge A2A Payment Infrastructure
Accept Pay by Bank for instant loan and credit card repayments, insurance premiums and more. Delight customers and lower processing costs to a fraction of alternatives.
Launch Pay by Bank as a turnkey product to enable your business customers to accept instant bank payments in 21 markets. Generate new revenue with an in-demand payment solution.
Bring your existing Pay by Bank solution to new markets and enhance your resiliency with Token.io’s industry-leading Pay by Bank solution provider for banks.
Token.io's technology powers HSBC's Open Payments, enabling merchants to offer Pay By Bank at checkout.
Major UK merchants and issuers rely on HSBC Open Payments to maximise their success rates and minimise their processing costs.
Santander leverages Token.io’s industry-leading infrastructure to enhance customer experiences with cutting-edge, real-time payments.
Santander leverages Token.io’s infrastructure to offer payment directly from an external bank account as a credit card repayment option. Santander will also utilise Token.io's cutting-edge infrastructure to modernise real-time money movement for its retail banking clients.
BNP Paribas leveraged Token.io’s broadest bank connectivity to launch Instanea: a new instant payment proposition for merchants.
Instanea is a new instant payment proposition for merchants. Powered by Token.io’s infrastructure, Instanea is integrated with the Axepta gateway and POS systems.
Token’s technology has equipped us with an unrivalled breadth of API connectivity, enabling us to reach merchants across our domestic markets. Token has also given us the tools to develop compelling merchant services.
Head of Cards and Innovative Payments, BNP Paribas
Pay by Bank cuts processing and operational costs to a fraction of traditional payment methods.
Source identity data and instantly verify bank account ownership. All standard as part of our Payments products.
Never miss an opportunity. Through our unrivalled network, nearly anyone with an EU or UK bank account can instantly deposit with Pay by Bank.
Eliminate reconciliation issues and provide a smoother user experience with pre-populated payment references.
Embed flexible, reusable links in invoices, present Pay by Bank at point of sale , or enable seamless P2P payments with Pay by Bank Links.
Your solution, your brand. Customise payment flows to fit your needs. Easily embed Pay by Bank into any experience, channel or device.
Experience seamless payments with Pay by Bank.
Users easily pay or deposit in a few clicks, authenticating directly with their bank (fingerprint or face ID) and approving payments with smooth app-to-app redirection. In select markets, one-click payments are also available.
See Pay by Bank in action. Explore our Use Case Library.
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.
As a critical infrastructure provider to Europe’s largest banks, our platform and service have the scale to suit your needs.
Drive adoption and maximise the benefits of Pay by Bank with industry-leading advisory and support services.
Save time and effort. Let us manage the complexity of registering your certificates and renewals.
Access account balances and transaction history for smarter lending and affordability assessments.
Instantly check account balances to minimise failed loan and credit card payments.
Powering leading Pay by Bank schemes and unrivalled open banking connectivity.
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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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