Token.io
Token.io is an Open Banking platform enabling secure bank payments and data access across Europe via AISP and PISP services.
Introduction
Introduction
What is Token.io?
Token.io is a European fintech company that provides widely used account-to-account (A2A) payment infrastructure. Through a single API, it enables banks, fintechs, payment gateways, and platforms to deliver white-label Pay by Bank solutions, allowing customers to pay directly from their bank accounts without cards. The company supports payment initiation from hundreds of millions of bank accounts across multiple European markets.
Introduction
What is Token.io?
Token.io is a European fintech company that provides widely used account-to-account (A2A) payment infrastructure. Through a single API, it enables banks, fintechs, payment gateways, and platforms to deliver white-label Pay by Bank solutions, allowing customers to pay directly from their bank accounts without cards. The company supports payment initiation from hundreds of millions of bank accounts across multiple European markets.
Product suite
Product suite
Product suite
Token.io Products
Payments
Open-Banking powered account-to-account payments
Payments
Open-Banking powered account-to-account payments
Payments
Open-Banking powered account-to-account payments
Payouts
Real-time payouts and withdrawals.
Payouts
Real-time payouts and withdrawals.
Payouts
Real-time payouts and withdrawals.
Recurring Payments
One-click, recurring and automated bank payments
Recurring Payments
One-click, recurring and automated bank payments
Recurring Payments
One-click, recurring and automated bank payments
Account Information
Secure access to verified, user-permissioned data from over 567 million bank accounts in the UK and Europe.
Account Information
Secure access to verified, user-permissioned data from over 567 million bank accounts in the UK and Europe.
Account Information
Secure access to verified, user-permissioned data from over 567 million bank accounts in the UK and Europe.
Overview
Overview
Overview
Token.io Alternatives
Yapily
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Yapily is an Open Banking platform providing secure API access to financial data and payments across the UK and Europe.
Plaid
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Plaid is a fintech platform that connects apps to users’ bank accounts, enabling secure access to financial data and payments.
Salt Edge
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Salt Edge is an Open Banking platform providing secure access to financial data and payment initiation services through APIs for banks and businesses.
Trustly
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Trustly is a global fintech company enabling fast, secure direct bank payments and account verification across Europe, North America, and beyond.
Versus
Versus
Versus
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This information is provided for general informational purposes only and is based on publicly available sources as of January 2026. It is intended solely to describe certain third party products and services in a factual and non evaluative manner. We do not represent, endorse, or have any affiliation, partnership, or commercial relationship with any third party provider unless explicitly stated. Product features, service scope, and regulatory permissions may change over time and may differ depending on jurisdiction. Readers should independently verify any information directly with the respective provider before making business or commercial decisions. All third party product names, trademarks, and logos are the property of their respective owners. For corrections or updates, please contact shifa.rahaman@getivy.io.
This information is provided for general informational purposes only and is based on publicly available sources as of January 2026. It is intended solely to describe certain third party products and services in a factual and non evaluative manner. We do not represent, endorse, or have any affiliation, partnership, or commercial relationship with any third party provider unless explicitly stated. Product features, service scope, and regulatory permissions may change over time and may differ depending on jurisdiction. Readers should independently verify any information directly with the respective provider before making business or commercial decisions. All third party product names, trademarks, and logos are the property of their respective owners. For corrections or updates, please contact shifa.rahaman@getivy.io.
This information is provided for general informational purposes only and is based on publicly available sources as of January 2026. It is intended solely to describe certain third party products and services in a factual and non evaluative manner. We do not represent, endorse, or have any affiliation, partnership, or commercial relationship with any third party provider unless explicitly stated. Product features, service scope, and regulatory permissions may change over time and may differ depending on jurisdiction. Readers should independently verify any information directly with the respective provider before making business or commercial decisions. All third party product names, trademarks, and logos are the property of their respective owners. For corrections or updates, please contact shifa.rahaman@getivy.io.
FAQ
Frequently asked questions
How does Token.io work?
Token.io provides technology that lets businesses securely access customers’ bank account data or initiate payments through open banking. With customer permission, it connects to banks via secure APIs, enabling fast, direct transactions and data sharing without card networks. This helps businesses streamline payments and improve financial services.
Is Token.io safe?
Token.io is built around strong security standards used in open banking. It relies on regulated APIs, encrypted data exchange, and customer-controlled access to protect financial information. Because banks authenticate users directly, sensitive details are not shared with merchants, helping reduce fraud risks and maintain a secure payment environment.
FAQ
Frequently asked questions
How does Token.io work?
Token.io provides technology that lets businesses securely access customers’ bank account data or initiate payments through open banking. With customer permission, it connects to banks via secure APIs, enabling fast, direct transactions and data sharing without card networks. This helps businesses streamline payments and improve financial services.
Is Token.io safe?
Token.io is built around strong security standards used in open banking. It relies on regulated APIs, encrypted data exchange, and customer-controlled access to protect financial information. Because banks authenticate users directly, sensitive details are not shared with merchants, helping reduce fraud risks and maintain a secure payment environment.
FAQ
Frequently asked questions
How does Token.io work?
Token.io provides technology that lets businesses securely access customers’ bank account data or initiate payments through open banking. With customer permission, it connects to banks via secure APIs, enabling fast, direct transactions and data sharing without card networks. This helps businesses streamline payments and improve financial services.
Is Token.io safe?
Token.io is built around strong security standards used in open banking. It relies on regulated APIs, encrypted data exchange, and customer-controlled access to protect financial information. Because banks authenticate users directly, sensitive details are not shared with merchants, helping reduce fraud risks and maintain a secure payment environment.
FAQ
Frequently asked questions
How does Token.io work?
Token.io provides technology that lets businesses securely access customers’ bank account data or initiate payments through open banking. With customer permission, it connects to banks via secure APIs, enabling fast, direct transactions and data sharing without card networks. This helps businesses streamline payments and improve financial services.
Is Token.io safe?
Token.io is built around strong security standards used in open banking. It relies on regulated APIs, encrypted data exchange, and customer-controlled access to protect financial information. Because banks authenticate users directly, sensitive details are not shared with merchants, helping reduce fraud risks and maintain a secure payment environment.
Money, at internet speed
INTEGRATION
Copyright © 2025 Ivy GmbH. All rights reserved.
Ivy GmbH may provide payment services through Ivy Pay Oy, which is an Authorized Payment Institution. Ivy Pay Oy's license is granted by the Finnish Financial Supervisory Authority (FIN FSA) with the registration number 3292703-8. Your account and related payment services are provided by one or more financially regulated partner. Your funds will be held in one or more segregated accounts and the full value safeguarded in line with the Financial Supervision Act.
Money, at internet speed
INTEGRATION
Copyright © 2025 Ivy GmbH. All rights reserved.
Ivy GmbH may provide payment services through Ivy Pay Oy, which is an Authorized Payment Institution. Ivy Pay Oy's license is granted by the Finnish Financial Supervisory Authority (FIN FSA) with the registration number 3292703-8. Your account and related payment services are provided by one or more financially regulated partner. Your funds will be held in one or more segregated accounts and the full value safeguarded in line with the Financial Supervision Act.
Money, at
internet speed
INTEGRATION
Copyright © 2025 Ivy GmbH. All rights reserved.
Ivy GmbH may provide payment services through Ivy Pay Oy, which is an Authorized Payment Institution. Ivy Pay Oy's license is granted by the Finnish Financial Supervisory Authority (FIN FSA) with the registration number 3292703-8. Your account and related payment services are provided by one or more financially regulated partner. Your funds will be held in one or more segregated accounts and the full value safeguarded in line with the Financial Supervision Act.
Money, at internet speed
INTEGRATION
Copyright © 2025 Ivy GmbH. All rights reserved.
Ivy GmbH may provide payment services through Ivy Pay Oy, which is an Authorized Payment Institution. Ivy Pay Oy's license is granted by the Finnish Financial Supervisory Authority (FIN FSA) with the registration number 3292703-8. Your account and related payment services are provided by one or more financially regulated partner. Your funds will be held in one or more segregated accounts and the full value safeguarded in line with the Financial Supervision Act.