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openapi: 3.2.0
info:
version: '1.0'
title: Token.io's Open Banking API for TPPs Account on File Tokens API
description: '<b>Token.io''s Open Banking API</b><br/><br/>Token.io Support: <a href="https://support.token.io" target="_blank">support.token.io</a><br/><br/>The Token.io Open Banking API enables you to connect securely with banks for a range of services.<br/><br/> Using our API you can: <ul><li>provide authorized access to an authenticated user''s account information</li><li>get information on specific banks</li><li>initiate authorization with a user-selected bank</li><li>initate and track single immediate payments and future dated payments</li><li>use variable recurring payments (VRP) to grant long-held consents to Payment Initiation Service Providers (PISPs) to initiate series of payments from users'' bank accounts</li><li>carry out settlements, payments and refunds using our settlement accounts</li></ul><br/>For more information see our <a href="https://developer.token.io/token_rest_api_doc/content/e-rest/dashboard-intro.htm" target="_blank">developer documentation</a>.'
servers:
- url: https://api.token.io
tags:
- name: Tokens
description: These endpoints retrieve all tokens, a filtered list of tokens, or a specific token, as well as allowing you to cancel an existing token.
paths:
/tokens:
get:
tags:
- Tokens
summary: Get tokens
description: The `GET /tokens` endpoint retrieves a list of all tokens for the authenticated member.
operationId: GatewayService.GetTokens
parameters:
- name: type
in: query
description: Specifies the type of token returned.
required: false
style: form
explode: true
schema:
type: string
example: ACCESS
default: INVALID
enum:
- INVALID
- ACCESS
- TRANSFER
- name: page.offset
in: query
description: The offset for the current page. If the offset has been provided in the request, this offset will be equal to the provided one. But if no offset was provided in the request (<i>i.e.</i> this is the first page) and the page is not empty, this field will be populated with a non-empty string. This may be helpful for loading the same page again, which might not always be possible with an empty offset due to a dynamic nature of the data. <br/>The offset is not visible to a user and should not be parsed and/or understood in any way.
required: false
style: form
explode: true
schema:
type: string
example: LerV6Jmex
- name: page.limit
in: query
description: The maximum number of records to return. This must be less than 200.
required: true
style: form
explode: true
schema:
type: integer
format: int32
example: 175
default: 1
- name: filter.sourceAccountId
in: query
description: Identifies the payer's account.
required: false
style: form
explode: true
schema:
type: string
example: a:J72REftaRoiaDYRDU7M9FDgf8jeh3eqek9DvKeyBWbuA:3VMczyq7r7b6HwC
- name: filter.destinationAccountId
in: query
description: Identifies the payee/beneficiary's account.
required: false
style: form
explode: true
schema:
type: string
example: a:f34VSeqwfWGTGH23vsa2cDgecew209jdvcd5vdfv4vds:5VSWVRqicm4Csa2
- name: filter.startTimeMs
in: query
description: The filtered list start timestamp in milliseconds, 1 day (24 hours) = 8640000000, 1 hour = 36000000, and 1 minute = 60000.
required: false
style: form
explode: true
schema:
type: string
format: string
example: 67505
- name: filter.endTimeMs
in: query
description: The filtered list end timestamp in milliseconds, 1 day (24 hours) = 8640000000, 1 hour = 36000000, and 1 minute = 60000.
required: false
style: form
explode: true
schema:
type: string
format: string
example: 365650
- name: filter.role
in: query
description: Filters by `accountHolder` role.
required: false
style: form
explode: true
schema:
type: string
example: ISSUER
default: ANY
enum:
- ANY
- FROM
- TO
- ISSUER
- name: filter.actingAsRefId
in: query
description: Filters the list by the sub-TPP identifier generated by Token.io once a TPP has been onboarded.
required: false
style: form
explode: true
schema:
type: string
example: 4kwl35c9sp3fwp4xq
responses:
'200':
description: Successful response
content:
application/json:
schema:
$ref: '#/components/schemas/GetTokensResponse'
'400':
description: The client specified an invalid argument
content:
application/json:
schema:
$ref: '#/components/schemas/inline_response_400'
'401':
description: The authorization information is missing or invalid
content:
application/json:
schema:
$ref: '#/components/schemas/inline_response_401'
'403':
description: Permission to access this endpoint is denied
content:
application/json:
schema:
$ref: '#/components/schemas/inline_response_403'
'404':
description: The requested entity, such as a payment, was not found
content:
application/json:
schema:
$ref: '#/components/schemas/inline_response_404'
'429':
description: Too many requests
content:
application/json:
schema:
$ref: '#/components/schemas/inline_response_429'
'500':
description: An unexpected or internal server error
content:
application/json:
schema:
$ref: '#/components/schemas/inline_response_500'
'501':
description: The operation was not implemented
content:
application/json:
schema:
$ref: '#/components/schemas/inline_response_501'
'503':
description: Service is unavailable
content:
application/json:
schema:
$ref: '#/components/schemas/inline_response_503'
'504':
description: Gateway has timed out
content:
application/json:
schema:
$ref: '#/components/schemas/inline_response_504'
deprecated: false
security:
- Bearer: []
- BasicAuth: []
x-hideTryItPanel: true
/tokens/{tokenId}:
get:
tags:
- Tokens
summary: Get a token
description: The `GET /tokens/{tokenId}` endpoint retrieves information about a specific token for the authenticated member.
operationId: GatewayService.GetToken
parameters:
- name: tokenId
in: path
description: Identifies a unique authorization token for a transfer, standing order, or account information access.
required: true
style: simple
explode: false
schema:
type: string
example: tt:8zK1dic95omjWb72gvc3z3ELKbTNfnGd89MbDnM73er4:ZhBVAJSH8DeU1
responses:
'200':
description: Successful response
content:
application/json:
schema:
$ref: '#/components/schemas/GetTokenResponse'
'400':
description: The client specified an invalid argument
content:
application/json:
schema:
$ref: '#/components/schemas/inline_response_400'
'401':
description: The authorization information is missing or invalid
content:
application/json:
schema:
$ref: '#/components/schemas/inline_response_401'
'403':
description: Permission to access this endpoint is denied
content:
application/json:
schema:
$ref: '#/components/schemas/inline_response_403'
'404':
description: The requested entity, such as a payment, was not found
content:
application/json:
schema:
$ref: '#/components/schemas/inline_response_404'
'429':
description: Too many requests
content:
application/json:
schema:
$ref: '#/components/schemas/inline_response_429'
'500':
description: An unexpected or internal server error
content:
application/json:
schema:
$ref: '#/components/schemas/inline_response_500'
'501':
description: The operation was not implemented
content:
application/json:
schema:
$ref: '#/components/schemas/inline_response_501'
'503':
description: Service is unavailable
content:
application/json:
schema:
$ref: '#/components/schemas/inline_response_503'
'504':
description: Gateway has timed out
content:
application/json:
schema:
$ref: '#/components/schemas/inline_response_504'
deprecated: false
security:
- Bearer: []
- BasicAuth: []
x-hideTryItPanel: true
/tokens/{tokenId}/cancel:
put:
tags:
- Tokens
summary: Cancel a token
description: The `PUT /tokens/{tokenId}/cancel` endpoint cancels a given token.
operationId: GatewayService.CancelToken
parameters:
- name: token-customer-ip-address
in: header
description: The user's IP address if the user is currently logged in with the TPP. If the customer IP address is supplied (recommended), it is inferred that the user is present during the session (<i>i.e.</i>, the request is user-initiated; adding a `customer-initiated` = `true` header makes this explicit). For AIS calls, if the customer's IP address is not provided in the request, the bank assumes it is a TPP-initiated request and may limit the TPP to 4 TPP-initiated access attempts within a given 24-hour period.
schema:
type: string
format: ipv4
required: false
example: 172.16.254.1
- name: customer-initiated
in: header
description: Informs the bank that the API call was explicitly initiated by the user. This is useful in circumnavigating bank restrictions that impose a 4-times-a-day (<i>i.e.</i>, within the same 24-hour period) access limit on the same AISP, in accordance with RTS regulations.
schema:
type: boolean
required: false
example: true
- name: token-customer-device-id
in: header
description: Obtained by the TPP from details in the user agent information of the user.
schema:
type: string
required: false
example: 00000000-00000000-01234567-89ABCDEF
- name: tokenId
in: path
description: Identifies a unique authorization token for a transfer, standing order, or account information access.
required: true
style: simple
explode: false
schema:
type: string
example: ta:3eYPU1BEKKunfmYgQuSKXFCeo851C5Y3XiZW3XA465TU:5zKtXEAq
responses:
'200':
description: Successful response
content:
application/json:
schema:
$ref: '#/components/schemas/CancelTokenResponse'
'400':
description: The client specified an invalid argument
content:
application/json:
schema:
$ref: '#/components/schemas/inline_response_400'
'401':
description: The authorization information is missing or invalid
content:
application/json:
schema:
$ref: '#/components/schemas/inline_response_401'
'403':
description: Permission to access this endpoint is denied
content:
application/json:
schema:
$ref: '#/components/schemas/inline_response_403'
'404':
description: The requested entity, such as a payment, was not found
content:
application/json:
schema:
$ref: '#/components/schemas/inline_response_404'
'429':
description: Too many requests
content:
application/json:
schema:
$ref: '#/components/schemas/inline_response_429'
'500':
description: An unexpected or internal server error
content:
application/json:
schema:
$ref: '#/components/schemas/inline_response_500'
'501':
description: The operation was not implemented
content:
application/json:
schema:
$ref: '#/components/schemas/inline_response_501'
'503':
description: Service is unavailable
content:
application/json:
schema:
$ref: '#/components/schemas/inline_response_503'
'504':
description: Gateway has timed out
content:
application/json:
schema:
$ref: '#/components/schemas/inline_response_504'
deprecated: false
security:
- Bearer: []
- BasicAuth: []
x-hideTryItPanel: true
components:
schemas:
EUIbanAccount:
title: EUIbanAccount
required:
- iban
type: object
properties:
iban:
type: string
description: The International Bank Account Number, used when sending interbank transfers or wiring money from one bank to another, especially across international borders. It consists of a two-letter country code followed by two check digits and up to thirty-five alphanumeric characters.
example: GB29NWBK60161331926819
bic:
type: string
description: The Business Identifier Code (BIC), <a href="https://www.iso.org/standard/84108.html" target="_blank">ISO 9362</a>, is the SWIFT Address assigned to a bank in order to send automated payments quickly and accurately to the banks concerned. It uniquely identifies the name and country, (and sometimes the branch) of the bank involved. BICs are often called SWIFT Codes and can be either 8 or 11 characters long."
example: BOFIIE2D
description: Account details where the iban is required and the bic is optional.
TokenSignature:
type: object
properties:
action:
$ref: '#/components/schemas/TokenSignatureAction'
signature:
$ref: '#/components/schemas/Signature'
description: Contains the respective verified digital signatures for the payload.
refId:
type: string
description: The TPP-generated reference identifier for the token. This is not to be confused with the `requestId`. The `refId` maps to the `tppRefId` in the bank's `consentRequest`. This is needed to match/verify the originating token request with the bank's consent request. <br/>We recommend that the `refId` should not contain special characters (the allowed characters are the 26-letter Latin alphabet, the numerical digits from 0-9 and the hyphen '-'). This field should not exceed 18 characters in length.
example: 9htio4a1sp2akdr1aa
FasterPaymentsAccount:
title: FasterPaymentsAccount
required:
- accountNumber
- sortCode
type: object
properties:
accountNumber:
type: string
description: The unique identifier for the bank account in the UK or Ireland.
example: '12345678'
sortCode:
type: string
description: The number assigned to a branch of a bank, typically containing six digits and most commonly used in the UK and Ireland.
example: '123456'
description: A UK or Irish account where the sort code and account number are required.
StetAccountIdentification:
type: object
properties:
currency:
type: string
description: The <a href="https://www.iso.org/iso-4217-currency-codes.html" target="_blank">ISO 4217</a> three letter currency code.
example: EUR
other:
$ref: '#/components/schemas/StetGenericIdentification'
description: Bank-defined account identifiers.
TransferDestinationToken:
title: token
type: object
properties:
accountId:
type: string
description: The bank account identifier for a linked account used by Token.io's Bank Integration Account Linking Service.
memberId:
type: string
description: The Token.io-generated member id for the user/account holder.
example: m:nP4w3u5y8ddrxDJkjimgSX9e4fZ:5zKtXEAq
description: The primary account number. The cCard identifier found on payment cards, such as credit and debit cards, as well as stored-value cards, gift cards and other similar cards, somtimes referred to as a bank card number.
inline_response_429:
required:
- error
type: object
properties:
error:
$ref: '#/components/schemas/ResourceExhaustedError'
AccountIdentifierPlusgiro:
type: object
properties:
plusgiroNumber:
type: string
description: The account number (minimum 2 and maximum 8 digits) for a PlusGiro account. The clearing code is not used.
example: '987654'
description: The domestic transaction clearing system in Sweden. The credit transfer function, which is part of <a href="https://www.nordea.com" target="blank">Nordea</a>, and used for mediating payments between accounts held by companies and individuals.
Signature:
type: object
properties:
keyId:
type: string
description: The id of the public key used to verify the signature. This is only present if a `tokenId` is present. It can be used to validate that the provided `tokenId` corresponds to the token request (this is needed for Hosted Pages flows only).
example: CqSTHPvWY_dgVh-f
memberId:
type: string
description: The Token.io member id of the signing member.
example: m:nP4w3u5y8ddrxDJkjimgSX9e4fZ:5zKtXEAq
signature:
type: string
description: The Base64url-encoded ciphertext signature.
example: ODRWmM0xMRM7CKmK3bNl4e2Kb2btavTbZssCsrHsu8yopoKxBzouBrD9q5-E63tgdV1DpB7i31vwNDKywA0CAE
description: Contains information about the signing party. This is only present if a `tokenId` is present. It can be used to validate that the provided `tokenId` corresponds to the token request (this is needed for the Hosted Pages flows only).
GatewayTimeoutError:
required:
- paymentId
type: object
properties:
errorCode:
example: DEADLINE_EXCEEDED
paymentId:
type: string
description: The deadline expired before the operation could complete.
example: Deadline exceeded.
description: The deadline expired before the operation could complete.
allOf:
- $ref: '#/components/schemas/ErrorWithCode'
inline_response_403:
required:
- error
type: object
properties:
error:
$ref: '#/components/schemas/PermissionDeniedError'
inline_response_503:
required:
- error
type: object
properties:
error:
$ref: '#/components/schemas/ServiceUnavailableError'
TransferDebtorEndpoint:
type: object
required:
- accountIdentifier
properties:
accountIdentifier:
$ref: '#/components/schemas/AccountIdentifier'
bankId:
$ref: '#/components/schemas/bankId'
bic:
type: string
description: The Business Identifier Code (BIC), <a href="https://www.iso.org/standard/84108.html" target="_blank">ISO 9362</a>, is the SWIFT Address assigned to a bank in order to send automated payments quickly and accurately to the banks concerned. It uniquely identifies the name and country, (and sometimes the branch) of the bank involved. BICs are often called SWIFT Codes and can be either 8 or 11 characters long.
example: BOFIIE2D
customerData:
$ref: '#/components/schemas/CustomerDataDebtor'
description: Contains information about the payer account.
AccessBodyResourceFundsConfirmation:
type: object
properties:
accountId:
type: string
description: The unique identifier for the bank account.
example: a:J72REftaRoiaDYRDU7M9FDgf8jeh3eqek9DvKeyBWbuA:3VMczyq7r7b6HwC
PermissionDeniedError:
type: object
properties:
errorCode:
example: PermissionDenied
description: 'The error returned when the member is not authorized to perform the given operation: PermissionDenied. <br/>This error message will be accompanied by the reason from the bank. Typically this means the access token has expired and the user must re-authenticate with the bank.'
allOf:
- $ref: '#/components/schemas/ErrorWithCode'
SENoBankIdAccount:
title: SENoBankIdAccount
required:
- iban
- bban
type: object
properties:
iban:
type: string
description: The International Bank Account Number, used when sending interbank transfers or wiring money from one bank to another, especially across international borders. It consists of a two-letter country code followed by two check digits and up to thirty-five alphanumeric characters.
example: GB29NWBK60161331926819
bban:
type: string
description: Represents a country-specific bank account number. The BBAN is the last part of the IBAN when used for international funds transfers. Every country has its own specific BBAN format and length. At present, there is no common EU or other standard unifying the BBAN. This is why IBAN was introduced to standardise international bank transfers.
example: NWBK60161331926819
bic:
type: string
description: The Business Identifier Code (BIC), <a href="https://www.iso.org/standard/84108.html" target="_blank">ISO 9362</a>, is the SWIFT Address assigned to a bank in order to send automated payments quickly and accurately to the banks concerned. It uniquely identifies the name and country, (and sometimes the branch) of the bank involved. BICs are often called SWIFT Codes and can be either 8 or 11 characters long."
example: BOFIIE2D
clearingNumber:
type: string
description: The bank clearing number or BC number is a number used for the identification of financial institutions in Switzerland and Liechtenstein. Bank clearing numbers are connected to the Swiss Interbank Clearing and the EuroSIC system.
example: 87654321
description: Account details where the iban and bban are required and the bic and clearing number are optional. This is ONLY allowed for an HP flow if there is no `bankId` provided in the initiation AND the currency is SEK or NOK.
Attachment:
type: object
properties:
blobId:
type: string
description: The unique numeric value that references blob data.
example: '7124783462147'
name:
type: string
description: The name of the attachment. This can contain any combination of characters.
example: 3Etyewchj27
type:
type: string
description: Specifies the type of attachment, <i>e.g.</i>, image, audio, multimedia, or binary executable code.
example: Image
description: Contains optional provider blob objects supporting the transfer/transaction.
AccountIdentifierBban:
type: object
properties:
bban:
type: string
description: Represents a country-specific bank account number. The BBAN is the last part of the IBAN when used for international funds transfers. Every country has its own specific BBAN format and length. At present, there is no common EU or other standard unifying the BBAN. This is why IBAN was introduced to standardise international bank transfers.
example: NWBK60161331926819
clearingNumber:
type: string
description: The bank clearing number or BC number is a number used for the identification of financial institutions in Switzerland and Liechtenstein. Bank clearing numbers are connected to the Swiss Interbank Clearing and the EuroSIC system.
example: 87654321
AccountIdentifierMsisdn:
type: object
properties:
msisdn:
type: string
description: The MSISDN is composed of the country code and the national destination code. Ensure you remove the + sign and any 0 before the mobile number.
example: '447949123456'
description: The Mobile Station International Subscriber Director Number (MSISDN) is the user's mobile phone number, used as a unique identifier to enable routing of voice and SMS traffic to and from a specific subscription/device on a wireless/mobile network.
StetRegulatoryReportingCodes:
type: object
properties:
regulatoryReportingCode:
type: array
description: Regulatory and statutory codes provided by the NCA.
items:
type: string
description: Contains the list of needed regulatory reporting codes for international payments.
Cma9Risk:
type: object
properties:
deliveryAddress:
$ref: '#/components/schemas/DeliveryAddress'
merchantCustomerIdentification:
type: string
description: The unique customer identifier for the user with the merchant (maximum 70 characters).
example: 0000789123
paymentContextCode:
$ref: '#/components/schemas/PaymentContextCode'
paymentPurposeCode:
type: string
description: The category code conforming to the Recommended UK Purpose Code in the <a href="https://www.iso.org/standard/55005.html" target="_blank">ISO 20022</a> Payment Messaging List, related to the type of services or goods corresponding to the underlying purpose of the payment. <ul><li><b>CASH</b> - CashManagementTransfer</li><li><b>CORT</b> - TradeSettlementPayment</li><li><b>DVPM</b> - DeliveryAgainstPayment</li><li><b>INTC</b> - IntraCompanyPayment</li><li><b>TREA</b> - TreasuryPayment</li><li><b>SUPP</b> - SupplierPayment</li></ul>
default: CASH
example: DVPM
enum:
- CASH
- CORT
- DVPM
- INTC
- TREA
- SUPP
beneficiaryAccountType:
$ref: '#/components/schemas/Cma9BeneficiaryAccountType'
contractPresentIndicator:
type: string
description: 'This field indicates whether the Payment Service Provider (PSP) has a contract with the payee and has undertaken some form of validation or due diligence on the payee; values: true or false. This field can be pre-populated by Token.io, for PSPs using Token.io''s license.'
example: 'true'
beneficiaryPrepopulatedIndicator:
type: string
description: 'This field indicates whether the PSP, rather than the user, has generated the TRI fields and that the user can''t change them during the transaction journey; values: true or false. This field can be pre-populated by the PSP.'
example: 'true'
description: This object specifies additional details for risk scoring of payments.
inline_response_504:
required:
- error
type: object
properties:
error:
$ref: '#/components/schemas/GatewayTimeoutError'
AccessBodyResourceAccountBalance:
type: object
properties:
accountId:
type: string
description: The account number and associated information that identify a unique bank account.
example: '5291.27'
TransferInstructions:
type: object
required:
- transferDestinations
properties:
metadata:
$ref: '#/components/schemas/Metadata'
source:
$ref: '#/components/schemas/TransferDebtorEndpoint'
transferDestinations:
type: array
minItems: 1
description: The beneficiary account specifying the transfer destination, <i>i.e.</i>, TPP/merchant/creditor bank account.
items:
$ref: '#/components/schemas/TransferDestination'
description: Contains the transfer instructions for each payment.
TransferDestinationSepa:
title: sepa
allOf:
- description: The Single Euro Payments Area (SEPA), for bank transfers denominated in Euro. This consists of the 27 member states of the European Union, the four member states of the European Free Trade Association (Iceland, Liechtenstein, Norway and Switzerland) and the UK.
- $ref: '#/components/schemas/SepaAccount'
TransferDestinationType:
title: type
type: string
description: Specifies the type of transfer destination.
example: BUSINESS
default: UNKNOWN
enum:
- UNKNOWN
- BUSINESS
- PERSONAL
ChargeBearer:
type: string
description: The bearer of the charge, if any, for international transfers. <ul><li><b>CRED</b> - all charges are borne by the creditor.</li> <li><b>DEBT</b> - all charges are borne by the debtor.</li> <li><b>SHAR</b> - the parties share the charges.</li> <li><b>SLEV</b> - each party bears its own charges, recommended on SEPA payments.</li></ul>
example: CRED
default: INVALID_CHARGE_BEARER
enum:
- INVALID_CHARGE_BEARER
- CRED
- DEBT
- SHAR
- SLEV
NotImplementedError:
required:
- paymentId
type: object
properties:
errorCode:
example: UNIMPLEMENTED
paymentId:
type: string
description: The operation was not implemented,supported or enabled by the bank.
example: Not implemented.
description: The operation was not implemented, supported or enabled by the bank.
allOf:
- $ref: '#/components/schemas/ErrorWithCode'
inline_response_400:
type: object
properties:
error:
$ref: '#/components/schemas/Error'
AccountIdentifier:
type: object
required:
- bankgiro
- bban
- gbDomestic
- iban
- msisdn
- pan
- plus giro
- token
oneOf:
- title: bankgiro
properties:
bankgiro:
$ref: '#/components/schemas/AccountIdentifierBankgiro'
- title: bban
properties:
bban:
$ref: '#/components/schemas/AccountIdentifierBban'
- title: gbDomestic
properties:
gbDomestic:
$ref: '#/components/schemas/AccountIdentifierGbDomestic'
- title: iban
properties:
iban:
$ref: '#/components/schemas/AccountIdentifierIban'
- title: msisdn
properties:
msisdn:
$ref: '#/components/schemas/AccountIdentifierMsisdn'
- title: pan
properties:
pan:
$ref: '#/components/schemas/AccountIdentifierPan'
- title: plusgiro
properties:
plusgiro:
$ref: '#/components/schemas/AccountIdentifierPlusgiro'
- title: token
properties:
token:
$ref: '#/components/schemas/AccountIdentifierToken'
description: Account numbers and other strings that identify this as a unique bank account.
StetGenericIdentification:
type: object
properties:
identification:
type: string
description: The alias of the account.
issuer:
type:
# --- truncated at 32 KB (87 KB total) ---
# Full source: https://raw.githubusercontent.com/api-evangelist/token-io/refs/heads/main/openapi/token-io-tokens-api-openapi.yml