Token.io Expands Pay by Bank with UK's First New Payment Scheme in Nearly 20 Years | Read more
contact sales
Pay by Bank
infrastructure
— reimagined
get started
Instant, easy to use payments for nearly anyone with a bank account in the UK & Europe.
contact sales
Average success rates >95% in top markets. Innovative conversion boosting features. Continuous improvements to raise the bar in all markets.
A fraction of the cost of traditional payment methods. No 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.
Powering leading Pay by Bank schemes and unrivalled open banking connectivity.
see coverage
Winner: Best Open Banking / A2A Payment Solution 2026
Winner: Best Open Banking Payment Project 2025 - Consumer
Winner: Best A2A Payments Platform 2025
One partner for the easiest access to leading Pay by Bank schemes, the broadest acceptance, highest conversions and fastest time to success.
Reach more payers in more markets. Initiate payments to over 567 million bank accounts in the UK & Europe through our unrivalled Pay by Bank network.
Use our plug-and-play payment flows to go to market faster with licensing as a service (PISP/AISP, UK/Europe) for open banking-based payments.
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.
Subscribe
Fill out this form to be connected with the most suitable expert from our team.
