Token

The A-to-Z toolkit for A2A payments

About Token

Since 2016, Token has pioneered innovation in payment initiation and data aggregation technology in Europe. Today, Token is driving the shift from traditional payment methods to account-to-account (A2A) bank payments with best-in-class, Pan-European bank connectivity, data and compliance capabilities.

Token does the heavy lifting of enabling payment and data connectivity to over 3000 banks in Europe through a single API and interface. With Token’s complete toolkit (Token Payments, Token Data and Token Compliance), the best and brightest merchants, PSPs and banks can blend API-based payments and data to reinvent financial experiences faster and more efficiently.

Token invests in bank-grade, best-in-class architecture patterns and technologies so you don’t have to.

Our platform is secure, scalable, performant and auditable. We are both bank and developer-friendly, and multi-standard by design. With over 80 customers and partners, including HSBC, BNP Paribas, Matercard, InBank, Contis, OpenPayd, Rapyd, eCommpay, Vyne, Straal, Zoho, One Up, Payment World, Caxton, Sonae, EDP, Rewire, SumUp, Tandem, Omnio and Think Money, Token is a leader in open banking trusted by enterprise clients and loved by developers.

As a leading fintech with Silicon Valley pedigree, Token’s global team of 75+ professionals drive operations across London, San Francisco and Berlin. Token’s management have an average of 20+ years of experience in technology, digital banking and payments with institutions such as Monitise, Accenture, Bottomline, HSBC, UBS, First Direct, Zalando Payments and PayU. Token is backed by supportive strategic investors (such as BNPP and Sony) and leading venture capital funds (such as Octopus Ventures, EQT and SBI Investments).

Token.io Limited is authorised as an Account Information Service Provider (“AISP”) and as a Payment Initiation Service Provider (“PISP“) by the Financial Conduct Authority in the UK (Licence Number: 795904). Token GmbH is authorised as an Account Information Service Provider (“AISP”) and as a Payment Initiation Service Provider (“PISP“) by the German Federal Financial Supervisory Authority, BaFin in Germany (Licence Number: 158595). Token also provides technical services for other regulated entities using their own license.

Token features

Token Payments provides unified access to 3000+ banks in Europe to 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.

Token screenshots