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Token is an open banking platform driving the shift to faster, fairer, frictionless account-to-account payments in Europe.

Since 2016, Token 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 offers best-in-class open payment and data connectivity in Europe through a single API and interface, processing millions of open payments annually for over 80 payment service providers, gateways, banks and large merchants.

Token’s connectivity network reaches over 210 million potential end-users of Open Banking services in 16 EU countries. Our focus on payments has enabled us to develop deep functionality that makes accepting direct bank payments elegant and simple, while our enterprise-first approach enables other players in the existing payment value chain to bring direct bank payments to their customers.

With Token’s complete open banking toolkit, businesses create new capabilities and revenue streams and blend API-based payments and data to reinvent financial experiences faster and more efficiently. Token also provides access to aggregated bank account and transaction data for smarter onboarding, deeper insights and instant authentication.

Token is: — Bank- and developer-friendly by design — Authorised as an Account Information Service Provider (“AISP”) and as a Payment Initiation Service Provider (“PISP“) by the FCA in the UK and by BaFin in Germany — PCI-DSS Level 1 and ISO 27001:2013 Certified — PSD2 and SCA compliant

Ready to shift? Let’s talk Account to Account payments.

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