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Plus, onboard faster, fight fraud, and reduce costs to a fraction of other payment methods. Yes, Pay by Bank can do all that — and more.
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Make deposits a breeze with instant bank payments that settle in seconds. Almost anyone with a UK or EU bank account can deposit quickly using Pay by Bank.
Source identity data and verify bank account ownership in real-time — all built in to our standard Payments products.
Eliminating intermediaries and running on open banking rails, Pay by Bank cuts processing costs to a fraction of traditional payment methods.
Keep users coming back with instant withdrawals directly to verified bank accounts.
Users love cutting-edge Pay by Bank options, from seamless one-click payments to automated and trigger-based top-ups and withdrawals.
Easily prove source of funds with deposits direct from verified bank accounts.
With Pay by Bank, users of challenger banks, remittance platforms and digital wallets can pay or deposit in a few clicks with fingerprint or face ID.
In some markets, set up Pay by Bank once and enjoy seamless, one-click payments every time.
See Pay by Bank in action in our Use Case Library.
Get real-time visibility and control over transactions and balances with dedicated settlement accounts.
Your platform, your brand. Customise payment flows to fit your needs. Embed into any experience.
Send secure, instant payouts to verified consumer bank accounts in 21 European markets. All fully automated via API.
Use our plug-and-play payment flows and you can go to market faster under our licences (PISP/AISP, UK/Europe).
Drive adoption and maximise the benefits of Pay by Bank with our training, advisory and support services.
Our platform and service have the scale to suit the world’s largest challenger banks, remittance platforms and digital wallets.
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 instant bank payments to over 567 million bank accounts in the UK and Europe.
Limited by your current provider? Partner with Token.io to expand your current solution and enhance your resiliency.
Best-in-class connectivity to over 90% of bank accounts in most markets
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Cutting-edge infrastructure
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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