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Delight customers, cut processing costs and enhance user experiences with a valuable, in-demand payment solution.
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Cutting-Edge A2A Payment Infrastructure
Accept Pay by Bank for instant loan and credit card repayments, insurance premiums and more. Delight customers and lower processing costs to a fraction of alternatives.
Launch Pay by Bank as a turnkey product to enable your business customers to accept instant bank payments in 21 markets. Generate new revenue with an in-demand payment solution.
Bring your existing Pay by Bank solution to new markets and enhance your resiliency with Token.io’s industry-leading Pay by Bank solution provider for banks.
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 success rates and minimise their processing costs.
Santander leverages Token.io’s industry-leading infrastructure to enhance customer experiences with cutting-edge, real-time payments.
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.
Instanea is a new instant payment proposition for merchants. Powered by Token.io’s infrastructure, Instanea is integrated with the Axepta gateway and POS systems.
Token’s technology has equipped us with an unrivalled breadth of API connectivity, enabling us to reach merchants across our domestic markets. Token has also given us the tools to develop compelling merchant services.
Head of Cards and Innovative Payments, BNP Paribas
Pay by Bank eliminates intermediaries and runs on open banking rails, reducing processing costs to a fraction of traditional payment methods.
Source identity data and verify bank account ownership in real-time — all built in to our standard Payments products.
Never miss an opportunity. Nearly anyone with an EU or UK bank account can deposit with Pay by Bank.
Eliminate reconciliation issues and provide a smoother user experience with pre-populated payment references.
Embed Pay by Bank into any experience including point of sale (QR), chat and invoices (pay by link). Seamlessly switch from desktop to mobile with QR for faster, secure authentication (fingerprint or face ID).
Your solution, your brand. Customise A2A payment flows to fit your needs. Embed into any experience, channel or device.
Experience seamless payments with Pay by Bank.
Users easily pay or deposit in a few clicks, authenticating directly with their bank (fingerprint or face ID) and approving payments with smooth app-to-app redirection. In select markets, one-click payments are also available.
See Pay by Bank in action. Explore our Use Case Library.
Reach more payers and accounts in more markets. Initiate payments and access data from over 567 million verified bank accounts in the UK and Europe.
Our platform and service have the scale to suit the world’s largest banks. Our partners include 3 of Europe’s 5 largest financial institutions.
Drive adoption and maximise the benefits of Pay by Bank with industry-leading advisory and support services.
Save time and effort. Let us manage the complexity of registering your certificates and renewals.
Access account balances and transaction history for smarter lending and affordability assessments.
Instantly check account balances to minimise failed loan and credit card payments.
Best-in-class connectivity to over 90% of bank accounts in most markets
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Explore our
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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