Token.io

Financial ServicesEngland, United Kingdom51-200 Employees

Token.io is A2A payment infrastructure, reimagined. 

Token.io has reimagined account-to-account (A2A) payment infrastructure to empower banks, fintechs, platforms and payment companies to grow revenue, cut processing costs, and streamlining operations by delivering best-in-class payment experiences with turnkey Pay by Bank solutions. 

Our team is united by a mission to mainstream A2A payments. By powering instant bank payments, seamless recurring payments and real-time payouts, we help our partners generate new revenue, lower processing costs, boost conversions and unlock significant operational efficiencies with Pay by Bank. 

Having processed the UK’s first open banking-enabled payments in 2018, today, Token.io is a driving force in the industry and a frontrunner in Pay by Bank solutions for world-leading banks, partnering with three of Europe's top five financial institutions. Its solutions are also trusted by a blue-chip payments community, including Mastercard, ACI Worldwide, Global Payments, Nuvei, and Paysafe.

🌟 #2 provider worldwide - Juniper Research Global A2A Payments Market Report 2024-2029
🌟 Top 3 A2A payment brands to watch in 2025 - 11:FS Pulse Report
🌟 “Token.io's strength is payment infrastructure…” — Forrester
🏆 Best Open Finance System: Leveraging Open Banking for A2A Payments - Banking Tech Awards 2024
🏆 Best Use of Open Banking for Payments - Merchant Payment Ecosystem Awards 2024
🏆 Open Banking Platinum Innovation Award - Juniper Research 2022, 2023 & 2024
🏆 Best Bank & Fintech Partnership: Token.io & HSBC UK - Banking Tech Awards 2023
🏆 Payments Tech of the Year - Europe Fintech Awards 2023

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