Token.io is an account-to-account (A2A) payment infrastructure provider powered by open banking and built for the payments industry.
With the simplest and fastest way to launch Pay by Bank as a core payment method, Token.io helps payment providers grow their market share.
Token.io delivers the highest performing and deepest open banking connectivity in the industry, reaching 567 million bank accounts (80%+ per market) in 16 supported countries through a single API and interface.
With fast and flexible deployment options, including the option to use Token.io's license and conversion boosting payment authentication flows, payment providers can quickly and easily launch and manage Pay By Bank capabilities.
Token.io's solution is proven by a blue-chip base of partners, which collectively process payments for tens of millions of merchants worldwide, including HSBC, Mastercard, BNP Paribas, ACI Worldwide, Computop, Nuvei and Paysafe.
Token.io is authorised as an AISP and PISP by the FCA in the UK and by BaFin in Germany. Token.io is PSD2 and SCA compliant, and PCI-DSS Level 1 and ISO27001:2013 Certified.
Seller
Token.io LtdLanguages Supported
English
Product Description
Token.io is an open banking platform driving the shift from traditional payment methods to account-to-account bank payments.
Token.io has pioneered innovation in payment initiation and data aggregation technology in Europe since 2016. Today, with operations in London, San Francisco and Berlin, Token does the heavy lifting of enabling the broadest payment and data connectivity in Europe through a single API and interface.
Our focus has enabled us to develop deep functionality that makes accepting bank direct payments elegant and simple. With Token's A-to-Z toolkit for A2A payments, PSPs, merchants, and banks create new capabilities and revenue streams, and blend API-based payments and data to reinvent financial experiences faster and more efficiently. Token is bank- and developer-friendly, and multi-standard by design.
- Token Payments provides the broadest connectivity for open banking payment initiation in Europe. Initiate real-time, account-to-account payments straight from apps and websites.
-Token Data uses a single API to seamlessly aggregate bank account and transaction data from European banks.
- Token Compliance is a turnkey compliance solution that satisfies PSD2 obligations for banks and EMIs.
With account-to-account (A2A) payments, money moves directly from a consumer’s bank account to a merchant’s bank account. There are no intermediaries adding cost and friction in between.
In the UK and Europe, APIs remove the barriers of A2A payments. By connecting to existing banking infrastrcuture, APIs make it easy to embed bank transfers within a purchase, without having to navigate fragmented banking rails across Europe.
Token.io does the heavy lifting of enabling payment and data API connectivity to banks in Europe through a single API and interface.
Token Payments is the simplest, fastest way to accept bank-direct payments straight from apps and websites.
With A2A payments, there is no onboarding, registration, training or repetitive data entry. Payments are authenticated within consumers' banking apps, often through seamless app-to-app redirection and using biometrics, delivering a fast, frictionless payment experience that is secure, lower cost, and settles instantly for merchants.
Token.io's focus has enabled it to develop deep functionality that makes accepting bank direct payments elegant and simple.
Token.io's turnkey toolkit for open banking payments is channel ready by design. Token can whitelabel its entire Token Payments solution to enable other players in the existing payment value chain to bring bank-direct payments to their customers.
Overview by
Jess Gerrow
