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Eliminating intermediaries and running on open banking rails, Pay by Bank cuts processing costs to a fraction of traditional payment methods.
Deliver a new, in-demand payment solution. Offer conversion-boosting Pay by Bank in 21 markets.
Quickly expand your existing Pay by Bank solution to new markets and enhance your resiliency with a trusted, market-leading provider.
High conversion payment flows. Feature-boosting settlement accounts. Self-service dashboard. Meaningful reporting. All in one powerful solution.
Reach more payers in more markets. Initiate real-time A2A payments to over 567 million 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).
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.
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.
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.
With Open Banking now an industry mega trend, and adoption of A2A payments accelerating, Token.io’s technology is a valuable addition to our platform.
Geschäftsführer / CEO
Prommt partnered with Token.io to add Pay By Bank capabilities to its fast-growing branded payment request solution.
Prommt enables merchants to request, collect and track remote payments with secure payment links via any channel, including email, text, chat and messaging apps. For Prommt's merchant customers, apart from payment flexibility, Pay by Bank significantly reduces payment operations costs, incidences of fraud, and processing times.
The uptake of this A2A payment alternative is already very strong, with merchants quickly recognising the immediate impact on their profitability.
Chief Executive Officer
In partnership with Token.io, Ecommpay was among the first PSPs to deliver cutting-edge open banking payment capabilities to merchants in Europe.
As a complement to its open banking payment offering, Ecommpay has also partnered with Token.io to offer Settlement Accounts in the Netherlands, Spain, France and Ireland. Ensuring local settlement options, Settlement Accounts help Ecommpay eliminate the risk of IBAN discrimination (which can slow down payment settlement) and facilitati faster acceptance of funds through SEPA Instant.
We are thrilled to extend our virtual accounts offering to more markets, building on our existing partnership with Token.io. By providing businesses with local IBANs and seamless payments, we are reinforcing our commitment to improving the customer experience.
Chief Revenue Officer
Best-in-class connectivity to over 90% of bank accounts in most markets
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Everything you need to
Your checkout, your brand. Customise account-to-account payment flows to fit your needs.
Easily embed instant bank payments into any experience, channel or device.
Instantly verify bank account ownership for faster, easier KYC — all included as part of our standard Payments product.
Reduce your operational burden and costs. Fully automate API-driven instant refunds with UK and EU settlement accounts.
Drive user satisfaction with easy, instant payouts and withdrawals to verified bank accounts.
See results faster with dedicated consultancy, growth and innovation services.
Users pay or deposit in a few clicks with fingerprint or face ID. In some markets, users can set up Pay by Bank once and pay again with one click.
Ready to see Pay by Bank in action?
Explore our Use Case Library.
Quickly and easily launch Pay by Bank for e-commerce, point of sale (POS) or chat, with pay by link and QR.
Seamlessly switch from desktop to mobile with QR for faster authentication (fingerprint or face ID).
Every payment is authenticated directly with a bank, with SCA built in to minimise fraud. Never share or store sensitive payment data.
Explore more
Best A2A Payments Platform 2025 – Platinum Winner
Best Open Banking Payment Project 2025 - Consumer - Winner
Best Digital Solution Provider (PayTech) 2025 - Highly Commended
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