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Empower merchants with lower processing costs, higher conversions and less fraud. Yes, Pay by Bank can do all that — and more.
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Instant, low-cost, and effortless: no wonder merchants love Pay by Bank. Delight customers and secure your lead with a real-time bank payment option.
Pay by Bank can be used by nearly anyone with a bank account in 21 European markets. With the largest reach of nearly any payment method in Europe, merchants never miss an opportunity to convert.
Quickly expand your existing Pay by Bank solution to new markets and enhance your resiliency with a trusted, market-leading provider.
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, Global Payments' Bank Payment is a cost effective, secure and real-time payment solution for merchants and issuers.
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.
Partnering with Token.io, Nuvei offers its merchants open banking powered A2A payments via its industry leading payment gateway.
Nuvei is a world leading payment technology provider and payment partner to many of the world's leading brands, including GM, Virgin Atlantic, Shein, Draft Kings and the Radisson Hotel Group.
Ecommpay was among the first PSPs to deliver cutting-edge open banking payment capabilities to merchants.
As a complement to its open banking payment offering, Ecommpay also partnered with Token.io to offer Settlement Accounts in the Netherlands, Spain, France and Ireland.
We are thrilled to extend our virtual accounts offering to more markets, building on our existing partnership with Token.io. By providing businesses with local IBANs and seamless payments, we are reinforcing our commitment to improving the customer experience.
Chief Revenue Officer
Token.io powers A2A payments for Computop’s Paygate platform; enhancing the checkout experience with improved security, faster settlement and reduced costs.
Computop is a global payments company and the leading payment service provider in Germany with 38% market share and customers across Europe, the UK, China and USA. The Paygate platform enables integrated payment processes for eCommerce merchants, with payments totalling $30 billion annually.
With Open Banking now an industry mega trend, and adoption of A2A payments accelerating, Token.io’s technology is a valuable addition to our platform.
Geschäftsführer / CEO
Prommt partnered with Token.io to add Pay By Bank capabilities to its fast-growing branded payment request solution.
Prommt enables merchants to request, collect and track remote payments with secure payment links via any channel, including email, text, chat and messaging apps. For Prommt's merchant customers, Pay by Bank significantly reduces payment operations costs, incidences of fraud, and processing times.
The uptake of this A2A payment alternative is already very strong, with merchants quickly recognising the immediate impact on their profitability.
Chief Executive Officer
Eliminating intermediaries and running on open banking rails, Pay by Bank cuts processing costs to a fraction of traditional payment methods.
With no unnecessary friction, Pay by Bank can deliver conversion rates over 95% in top markets.
Pay by Bank with biometric authentication in just a few clicks. In select markets, enjoy one-click payments after a simple, one-time setup.
Embed Pay by Bank into any experience including POS (QR), chat and invoices (pay by link). Effortlessly transition desktop to mobile using QR.
Payments settle in seconds, so merchants can deliver goods and services faster.
Every payment is authenticated directly with a bank to eliminate fraud. Merchants never store or share sensitive data.
Shoppers enjoy frictionless payments with Pay by Bank, using biometrics to authenticate and pay or deposit in just a few clicks.
In select markets, one-click, recurring and automated payments are also available.
See Pay by Bank in action.
Explore our Use Case Library.
Eliminate manual processes with automated, API-driven refunds. Reconciliation is easy with dedicated UK and EU settlement accounts.
Send secure, instant payouts to verified consumer bank accounts in 21 European markets. All fully automated via API.
Drive adoption and maximise the benefits of Pay by Bank with our training, advisory and support services.
Customise our fully whitelabel, conversion-boosting payment flows to your needs. Apply your brand, or allow merchants to use their own.
Embed Pay by Bank into any experience, channel or device: POS (QR), chat, invoices (pay by link). Effortlessly transition between desktop and mobile via QR for faster authentication with fingerprint or face ID.
Use our plug-and-play payment flows and you can go to market faster under our licences (PISP/AISP, UK/Europe).
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 real-time A2A payments to over 567 million bank accounts in the UK and Europe.
Our platform and service have the scale to suit the world’s largest payment service providers, gateways, issuers and acquirers.
Best-in-class connectivity to over 90% of bank accounts in most markets
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A complete solution for
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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