Token.io is an open banking platform driving the shift from traditional payment methods to faster, fairer, frictionless account-to-account (A2A) payments in Europe.
Since 2016, Token.io has pioneered innovation in payment initiation and data aggregation technology, making history by conducting the first end-to-end payment through a public bank API in the UK in 2018.
Today, Token.io offers best-in-class open banking payment and data connectivity in Europe, spanning 16 EU countries, representing over 210 million potential end-users of Open Banking services and over €13tn in customer deposits. All through a single API and interface.
Token’s focus on payments has enabled it to develop deep functionality that makes accepting direct bank payments elegant and simple, while its enterprise-first approach enables other players in the existing payment value chain to bring direct bank payments to their customers. Token.io processes millions of open payments annually for over 80 payment service providers, gateways, banks and large merchants.
With Token’s complete open banking toolkit, businesses create new capabilities and revenue streams, blending API-based payments and data to reinvent financial experiences faster and more efficiently. Token.io also provides access to aggregated bank account and transaction data for smarter onboarding, deeper insights and instant authentication.
Based in London, Berlin, and San Francisco, Token’s global team of professionals have deep payment industry experience that its partners rely on to future-proof their payments strategies and scale with open banking.
Regulated by the FCA and BaFin, and PCI-DSS Level 1 and ISO 27001:2013 Certified, Token is both bank- and developer-friendly, multi-standard, and channel ready by design.