Token.io is an Open Banking infrastructure provider offering A2A (Account-to-Account) payments and account information services across Europe. Founded in 2016 and FCA-authorised since 2018, Token.io was the first payment initiation service provider to conduct an end-to-end PSD2-compliant Open Banking transaction. The Token.io platform connects developers and TPPs to over 4,000 banks via a single standardised API supporting Payment Initiation Services (PIS), Account Information Services (AIS), Variable Recurring Payments (VRP), refunds, payouts, settlement accounts, account verification, and Pay-by-Link checkout.
URL: Visit APIs.json
Run: Capabilities Using Naftiko
- Open Banking, Payments, AIS, PIS, VRP, PSD2, A2A Payments, Pay by Bank, Financial Services
- Created: 2026-05-25
- Modified: 2026-05-25
| Product | Description |
|---|---|
| Payments v2 | Single immediate and future-dated A2A payment initiation |
| Variable Recurring Payments (VRP) | Sweeping and commercial (non-sweeping) recurring payment mandates |
| Data (AIS) | Account information — balances, transactions, standing orders |
| Pay by Link | Reusable payment URLs with amount and usage limits |
| Account on File | Tokenized bank account references for repeat payments |
| Refunds | Refund initiation tied to original payment transactions |
| Payouts | Outbound transfer execution and monitoring |
| Settlement Accounts | Virtual accounts and settlement rules |
| Account Verification | Name / account-holder confirmation checks |
| Banks v1 & v2 | Discovery of 4,000+ connected banks across Europe |
| Sub-TPPs | Sub-TPP entity management for reseller / platform models |
| Webhooks | Event notifications for payments, VRP, AIS lifecycle |
| Reports | Bank status monitoring across AIS and PIS |
Token.io's Open Banking API for Third Party Providers (TPPs) — covers Payment Initiation Services (PIS), Account Information Services (AIS), Variable Recurring Payments (VRP), refunds, payouts, settlement accounts, account verification, Pay-by-Link, and bank discovery across 4,000+ European banks. JWT-authenticated production API at https://api.token.io with sandbox access via dashboard.sandbox.token.io.
Human URL: https://docs.token.io/products/tpp/api/reference
Base URL: https://api.token.io
- Documentation
- API Reference
- Getting Started
- OpenAPI Source
- OpenAPI (local)
- JSON Schema — Payment
- JSON Schema — VRP Consent
- JSON Schema — Account
- JSON-LD Context
| Capability | Surface |
|---|---|
| Payments v2 | Initiate, list, and retrieve single immediate / future-dated payments |
| Variable Recurring Payments | Create VRP consents, initiate VRP payments |
| Data (AIS) — Accounts | Accounts, balances, transactions, standing orders |
| Banks | Bank discovery and country list |
| Refunds | Refund initiation and tracking |
| Payouts | Payout initiation and monitoring |
| Settlement Accounts | Virtual account management |
| Webhooks | Webhook configuration |
| Pay by Link | Reusable payment links |
| Repo | Language | Purpose |
|---|---|---|
| sdk-js | JavaScript / Node | Token System and Open Banking client |
| sdk-php | PHP | Token System client |
| sdk-csharp | C# / .NET | Token System client |
| sdk-objc | Objective-C | iOS native client |
| tokenio-ios-webview-sdk | Swift | iOS Hosted Payments webview |
| tokenio-android-webview-sdk | Kotlin | Android Hosted Payments webview |
| merchant-sample-java | Java | Merchant checkout sample |
| merchant-sample-js | JavaScript | Merchant checkout sample |
| bank-sample-java | Java | Bank Integration API sample |
| pfm-sample-java | Java | Personal finance / Access Tokens sample |
| merchant-integration-workshop | HTML | Hands-on integration workshop |
- Plans / Pricing (API Commons Plans 0.1)
- Rate Limits (API Commons Rate Limits 0.1)
- FinOps (FOCUS 1.3)
- FCA-authorised UK Payment Initiation Service Provider (PISP) and Account Information Service Provider (AISP) since 2018
- PSD2-compliant
- Listed on the UK Open Banking regulated providers register