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A2A payment
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Easy, instant account-to-account payments for nearly anyone with a bank account in Europe.
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Average success rates over 95% in top markets. Continuous improvements to raise the bar across all markets.
A fraction of the cost of traditional payment methods. No scheme or interchange fees. No chargebacks.
Token.io is
Token.io's technology powers HSBC's Open Payments, enabling merchants to offer Pay By Bank at checkout.
Major UK merchants and issuers rely on HSBC Open Payments to maximise their payment success rates and minimise their payment acceptance costs.
Santander leverages Token.io’s industry-leading infrastructure to enhance customer experiences with cutting-edge, instant payment propositions.
Santander leverages Token.io’s infrastructure to offer payment directly from an external bank account as a credit card repayment option. Santander will also utilise Token.io's cutting-edge infrastructure to modernise real-time money movement for its retail banking clients.
BNP Paribas leveraged Token.io’s broadest bank connectivity to launch Instanea: a new instant payment proposition for merchants.
Powered by Token.io’s infrastructure, Instanea is integrated with the Axepta gateway and POS systems.
Token.io’s technology has equipped us with an unrivalled breadth of API connectivity, enabling us to reach merchants across our domestic markets. Token.io has also given us the tools to develop compelling merchant services.
Head of Cards and Innovative Payments, BNP Paribas
This Fortune 500 company leverages Token.io’s infrastructure for its open banking solution: Global Payments Bank Payment.
Growing as a popular alternative to card payments, Bank Payment is a cost effective, secure and real-time payment solution for merchants and issuers.
Token.io powers A2A payments for Computop’s Paygate platform, reducing costs and enhancing checkout experiences.
Computop is a global payments company and the leading payment service provider in Germany with 38% market share and customers across Europe. The Paygate platform enables integrated payment processes for ecommerce merchants, with payments totalling $30 billion annually.
Token.io powers A2A payments for Computop’s Paygate platform; enhancing the checkout experience with improved security, faster settlement and reduced costs.
CEO
Leading payments platform Paysafe relies on Token.io’s best-in-class connectivity to power its Pay by Bank capabilities.
Processing over $150 billion in annualised transaction volume, Paysafe is a global payment platform with more than 25 years of experience serving merchants and consumers across key digital commerce sectors.
Best-in-class connectivity to over 90% of bank accounts in most markets
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Best A2A Payments Platform 2025 – Platinum Winner
Best Open Banking Payment Project 2025 - Consumer - Winner
Best Digital Solution Provider (PayTech) 2025 - Highly Commended
High conversion payment flows. Feature-boosting settlement accounts. Self-service dashboard. Meaningful reporting. All in one powerful solution.
Reach more payers and accounts in more markets. Initiate payments and access data from over 567 million verified bank accounts in the UK and Europe.
Use our plug-and-play payment flows to go to market faster with licencing as a service (PISP/AISP, UK/Europe).
Products and services engineered to suit the scale of the world’s leading banks and payment companies.
Consultancy, growth and innovation services to accelerate adoption and maximise the benefits of Pay by Bank.
Delivering the future of payments. Token.io is a trusted advocate and innovator at the forefront of the industry.
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