Token | Payments



Payments at the speed of commerce

Initiate payments from any bank in Europe. Lower costs, create revenues and increase conversions. We hook you into all the right places so you can use open banking to get ahead and stay there.


Payments made for the digital age

Token Pay™ provides one interface to access any bank for highly secure and lower cost payments, directly from the customer’s account. Payments can be integrated directly or via a PSP for a one-click checkout experience that redefines convenience.

  • Austria
  • Croatia
  • Estonia
  • Finland
  • Germany
  • Ireland
  • Italy
  • Luxembourg
  • Poland
  • Slovakia
  • Spain
  • United Kingdom of Great Britain and Northern Ireland


Better in every way

Token easily integrates with existing infrastructure to deliver API connectivity via a single connection and cost-saving open banking payments experiences to customers.

Our flexible payments infrastructure allows you to design account-to-account payments that suit your business and your customers down to the ground. Provide the ease of digital wallet payments without the friction of customer sign up when customers simply use their existing bank account for checkout.

See how Payment Service Providers (PSPs) and businesses are integrating account-to-account payments and taking advantage of the new open banking payment rails in Europe to lower costs and deliver an unrivalled user experience.


First class benefits

  • Lower cost

    Reduce transaction fees and settlement times.

  • Increased security

    Avoid chargebacks due to fraud or an inability to capture funds.

  • Superior user experience

    Improve customer conversion rates with frictionless one-click checkout.

Payment Services

Working with Token

To enable access to your and your customers’ accounts for the purposes of Data / Payment services, Token offers two separate and distinct ways of working with us.

The choice will be determined by your needs and whether or not you are a Third Party Provider (TPP) in your own right, and regulated to provide account information (AIS) and / or payment initiation services (PIS).

Not Regulated?

I am not regulated to perform AIS and / or PIS and would like to work with Token in its capacity as the regulated party


I am regulated to perform AIS and / or PIS, and want to work with Token in its capacity as a technical service provider offering the underlying connectivity to banks

Interested in working with us

Get in touch

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