Token.io has reimagined account-to-account (A2A) payment infrastructure to empower banks, fintechs, platforms and payment companies to grow revenue with turnkey Pay by Bank products, reduce processing costs by accepting instant Pay by Bank directly, and expand their reach by bringing Pay by Bank to new markets.

Best-in-class technology, unmatched open banking connectivity, conversion-boosting data capabilities, and extensive growth and innovation services make Token.io a market leader in A2A payment infrastructure, as recognised by independent analysts. Connections to over 90% of bank accounts in most of its 21 supported markets ensure unrivalled access to initiate instant bank payments, seamless recurring payments and real-time payouts to over 567 million bank accounts in Europe.

Having processed the UK’s first open banking-enabled payments in 2018, today, Token.io is a driving force in the industry and a frontrunner in Pay by Bank solutions for banks. Token.io is proud to partner with three of Europe's top five financial institutions. Its solutions are also trusted by a blue-chip payments community, including Mastercard, ACI Worldwide, Global Payments, Nuvei, and Paysafe.