Banks

Token is the simplest, fastest way for banks to create new revenue streams through account-to-account payments and open banking.

Why Token

Token provides a turnkey toolkit for banks to unlock open banking opportunities.

01

Simplest way to profit from A2A payments

Banks can white-label Token Payments or use Token technology to build their own account-to-account payment proposition and generate new revenue streams with higher margins.
02

Broadest open banking connectivity

Token continuously builds, maintains and upgrades the most reliable, extensive AIS/PIS connectivity network to banks and financial institutions across the UK and Europe.
03

Fastest way to leverage data

With Token Data, banks can enable corporate clients to access account and transaction data across financial institutions to build innovative new propositions and value-add programmes.
04

Turnkey compliance

With Token Compliance’s API, banks and EMIs benefit from turnkey compliance for PSD2 regulations.
05

Best-in-class technology

Token invests in best-in-class architecture patterns and technologies. Token is also PCI-DSS compliant and has earned the highest levels of security certifications, including ISO27001 and the Cyber Essentials Certificate.
06

All from a single API

Get secure, unified access to banks in Europe to initiate real-time payments and access user-permissioned financial data from a single interface and API.

Use Cases

1

Generate new revenue streams with higher-margin A2A payments

Generate new revenue streams with higher-margin A2A payments

Banks can create new revenue streams with higher margins by offering account-to-account payment propositions to their corporate clients. Banks can choose to white-label Token Payments or use Token’s technology to build their own solution.
2

Enable request-to-pay via bank transfer

Enable request-to-pay via bank transfer

Banks’ corporate customers can prompt invoice and bill payments through convenient, lower-cost bank transfers with Token’s Request-to-Pay (RTP) feature.
3

Build sophisticated loyalty programmes and offers

Build sophisticated loyalty programmes and offers

By enabling access to seamlessly aggregated transaction and account data from banks in Europe, Token Data allows corporate bank customers to build deeply personalised customer experiences, loyalty and value-added programmes. Armed with deeper data, corporate bank customers can even develop prediction capabilities and build value-added programmes.
4

Make onboarding faster and frictionless

Make onboarding faster and frictionless

By performing key financial checks on consumers, Token enables banks to help their corporate clients leverage data to reduce friction and simplify consumer onboarding.
5

Create deeper corporate customer relationships

Create deeper corporate customer relationships

Banks can use Token’s technology to create deeper customer relationships in a disrupted, hyper-interconnected financial ecosystem. For example, banks can enable the efficiencies of multibanking for their corporate customers by providing access to financial data from across bank accounts in a single view, while curating real-time intelligence for accounting and treasury management functions.
6

Gain holistic risk and wealth insights

Gain holistic risk and wealth insights

With a view of consumers’ and businesses’ complete financial footprint, banks can assess risk and creditworthiness with real-time, verified account and transaction data from financial institutions across Europe.

Case Studies

Using Token’s end-to-end white label solution for merchant onboarding, reporting, and billing, BNPP launched Instanea, a new instant payment proposition for merchants. Instanea is powered by Token’s broadest connectivity to over 3,000 banks in Europe, and integrates with the Axcepta 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.

Carlo Bovero

Head of Cards and Innovative Payments, BNP Paribas

A nice testimonial from BNPP will go here.

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Job Title, BNPP

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Why developers love Token

Developer-friendly

Token offers a single API for payments and data. Connect to banks in Europe. Reinvent financial experiences, build lower cost payment propositions, and drive personalised, anticipatory CX with access to richer customer data.
Robust & resilient

Token’s solutions are deployed on robust, cloud-native platforms and container technology. Token has minimal downtime deployment and is scalable (tested to 100TPS, scales to 1000TPS+), observable (monitoring, alerting, tracing, logging), secure (DDOS, MTLS, HSM, encryption, rate limits), and resilient (Kubernetes, multiple AWS zones, active/passive sites).
Always secure

Token’s solutions are protected by payment grade security. Token is PCI-DSS compliant, and has earned the highest levels of security certifications, including ISO27001 and the Cyber Essentials Certificate.
Confirmation of funds

Confirm the available funds in a customer’s bank account through our single API for CBPII.
Access more data

Use Token Data to connect to banks in Europe. Access a customer’s list of bank accounts, their balances, and transaction history.
Initiate payment requests

Use Token Payments to initiate payment requests on behalf of customers, including immediate, future, single/bulk payments and standing orders.