Token.io

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. Used by merchants, PSPs, fintechs, PFM apps, and platform businesses to replace card-rail payments and aggregate multibank data.

Token.io publishes 53 API contracts indexed on the APIs.io network, including token-io Account on File API, token-io Accounts API, token-io Authentication keys API, and 50 more. Tagged areas include Payments, Open Banking, Banking, Financial Services, and Account-to-Account.

The Token.io catalog on APIs.io includes 1 event-driven AsyncAPI specification, 1 JSON-LD context, and 2 Spectral governance rulesets.

Token.io’s developer surface includes authentication, developer portal, documentation, getting-started guide, support, sandbox, pricing, and 64 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

71.6/100 exemplar ▬ flat Agent 52/100 agent ready Front door AI 1/6 silent saas · UK Open Banking Regulated Provider Registration Full breakdown ↓
scored 2026-10-23 · rubric v0.25.0 · Show this score on your site →

AccessFreemiumSelf serve⚡ Free to try

4 published contracts 1 MCP Servers 24 Features 11 Use Cases

Payments Open Banking Banking Financial Services Account-to-Account PSD2 Variable Recurring PaymentsAccount Information ServicesPayment Initiation Fintech

What this lets a business do 1

Business capabilities this provider's published APIs can perform, derived from its own contracts. Browse all capabilities →

Developer Platform & API Ecosystem Management

BC-4270

WebhookWebhooks

DELETE /webhook/config

What people ask Token.io 42

The questions people put to an LLM, and the jobs they hand an agent, that Token.io's APIs answer — each one linked to the operation that does it. Generated by API Evangelist

token-io Accounts API Return an account balance as the bank integration “As a bank integrating with Token.io, what do I return when asked for an account balance?” Return account transactions as the bank integration “On the bank side, how are transactions for an account paged by limit and offset?” Return one transaction as the bank integration “As the bank, how do I answer a request for one transaction by its id?” Return a bank account as the bank integration “What does the bank integration return when a TPP retrieves one bank account?”

Token.io Banks API Get a consent request at a bank “As a bank, how do I look up a consent request by its request id?” Create a consent at a bank from a request “How does a bank turn a consent request into an actual consent?” Get a consent at a bank “Can a bank look up a consent it granted by consent id?” Cancel a consent at a bank “Can a bank cancel a consent it previously granted to a TPP?”

token-io Refunds API Refund a payment “How do I refund a customer who paid by bank?” List refunds “Which refunds have I issued this month?” Get a refund “What's the status of a specific refund?” List refunds for a transfer “Which refunds were made against one original payment?”

token-io Settlement Accounts API Open a settlement account “How do I open a new settlement account to collect payments?” List settlement accounts “Which settlement accounts do I hold, and in which currencies?” Get a settlement account “What are the details of one of my settlement accounts?” List settlement account transactions “Which payments landed in my settlement account this week?”

Token.io Member API List product restrictions on members “Which product restrictions have I set on members?” Create a product restriction for a member “Can I restrict what a member is allowed to do with a product?” List countries available for restrictions “Which countries can I use when writing a restriction rule?” List regions of a country for restrictions “What regions within a country can a restriction rule target?”

Token.io Sub Tpp API List all sub-TPPs for the reseller “Which sub-TPPs do I have, and what are their statuses?” Create a new sub-TPP “How do I create a sub-TPP with a name, domain and merchant category code?” Get sub-TPP details “What's on file for one of my sub-TPPs?” Update a sub-TPP “Can I change a sub-TPP's details after creating it?”

token-io Sub-TPPs API Create a sub-TPP “How do I add a new merchant as a sub-TPP under my reseller account?” List a reseller's sub-TPPs “Which sub-TPPs have I onboarded as a reseller?” Get a sub-TPP “What details are stored for one of my sub-TPPs?” Delete a sub-TPP “Can I remove a sub-TPP from my reseller account?”

Token.io Transfers API Create a transaction for a transfer as the bank “As the bank integration, how do I create a transaction for a transfer request?” List transfers “Which transfers were made under a particular token?” Get a transfer's status as the bank “What's the bank-side status of a transfer?” List refunds for a payment “Which refunds have been issued against a payment?”

Token.io Consents API List account information consents “Which of my v2 consents are about to expire?” Request a new account information consent “How can I ask a user for consent to read their bank account data?” Get one account information consent “What's the current status of a specific consent?” Revoke an account information consent “Can I revoke a user's consent so I stop accessing their account data?”

Token.io Payments API List payments “Which payments failed or are still pending?” Initiate a payment “How do I start a bank payment from my app?” Get a payment and its status “What's the current status of a payment?” Cancel a payment “Can I cancel a payment before it completes?”

token-io Variable Recurring Payments API Create a VRP consent “How do I set up a variable recurring payment mandate with a customer?” List VRP consents “Which variable recurring payment consents have I created?” Get a VRP consent “What are the limits and status of a VRP consent?” Revoke a VRP consent “Can I revoke a VRP consent to stop future recurring payments?”

Token.io Info API List countries with integrated banks “In which countries does Token.io have integrated banks?” Find banks matching feature criteria “Which banks in a country support standing orders?” Get information about one bank “What does Token.io know about a specific supported bank?” Generate a bank authorization URL for a token request “How do I get the URL to send a user to their bank for a token request?”

Showing 12 of 42 APIs with phrasing — see every API.

Kin Score

Kin Score How this is scored →
scored 2026-10-23 · rubric v0.25.0

Composite quality — 71.6/100 · exemplar

Contract Quality 11.7 / 19

Developer Ergonomics 12.6 / 15

Access Clarity 13.8 / 15

Operational Transparency 6.7 / 10

Contract Governance 3.2 / 9

Discoverability 5.5 / 8

Regulatory Posture 4.0 / 15

Create-or-Update Ergonomics 0.0 / 10

Agent readiness — 52/100 · agent ready

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 10

Documented Reversibility 6 / 6

MCP Server 12 / 12

Machine-Readable Auth 10 / 10

Idempotency 0 / 9

Stable Error Semantics 8 / 8

Request/Response Examples 7 / 7

Rate-Limit Signaling 7 / 7

Typed Event Surface 6 / 6

Agent Skills 5 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 6 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 6 / 6

Agentic Commerce Well-Known Document 0 / 5

Pagination 0 / 5

Distinct Operations 3 / 3

Regulatory Posture applies to this provider. Its tags matched the Banking & Open Finance regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

Create-or-Update Ergonomics applies to this provider. This API accepts writes, so it carries 10 points of the composite. It is scored from the published contracts themselves: whether a caller can create-or-update in one call, whether the write accepts a key the caller already holds, and whether the response says which branch ran. Without that, every write needs a search-and-branch in front of it, and the first time that check is skipped a duplicate record is created. Scored against the observed mean rather than raw — a provider at the catalog average is unchanged by this facet, not penalised by it.

The six quality facets above are damped to 75 points between them, because the conditional facet above carries the other 25. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 75% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

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Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from github.com/api-evangelist/token-io: open an issue to ask a question, or submit a pull request to add artifacts. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Markets this provider is in provisional

The Kin Score Market layer reads a provider inside its market: its position, and how deep its integrations go. Depth is only comparable within a position. Provisional and unweighted: not part of the Kin Score or agent readiness.

Market	Position	Depth	Registered MCP server	Declares compatibility
Open Banking	undeclared	-	-	-
EU/EEA Payment and E-Money Institutions (PSD2 passports)	undeclared	-	-	-

Registered MCP server and declares compatibility are report only — not weighted. Undeclared means we found nothing we can read, so there is no number: we never infer integrations.

Standards implemented 1

Standards this provider implements or carries. De facto ones are profiled and measured by the API Commons; formal ones come from the standards directory and are linked by the provider's own tags. The evidence column says how each claim was established — not that it was made.

Variable Recurring Payments

tagged — the provider's own APIs.json carries the standard as a tag; implementation not verified

APIs 53

Individual APIs this provider publishes, each with its own machine-readable definition.

Token.io JavaScript SDK

Official Token.io JavaScript SDK for Node.js and browser environments interacting with the Token System and Open Banking API.

Token.io PHP SDK

Official Token.io PHP SDK for interacting with the Token System and Open Banking API.

Token.io C# SDK

Official Token.io C# / .NET SDK for the Open Banking API.

Token.io Objective-C SDK

Official Token.io Objective-C SDK for iOS.

Token.io iOS Webview SDK

iOS webview SDK for embedding Token.io Hosted Payments pages in native iOS apps.

Token.io Android Webview SDK

Android webview SDK for embedding Token.io Hosted Payments pages in native Android apps.

Merchant Sample (Java)

Java merchant checkout sample illustrating Token.io payment initiation flows.

Merchant Sample (JavaScript)

Simple JavaScript merchant checkout example for Token.io.

Bank Sample (Java)

Sample implementation of the Token Bank Integration API in Java.

Personal Finance Management Sample (Java)

Simple personal finance app illustrating Token.io's Access Tokens for AIS use cases.

Merchant Integration Workshop

Hands-on workshop for integrating a merchant with Token Checkout.

token-io Account on File API

These endpoints allow you to create and manage an Account on File from bank account details. The Account on File can then be used in other API requests instead of sending the fu...

token-io Accounts API

These endpoints provide authorized access to an authenticated user's account information.

token-io Authentication keys API

These endpoints are for managing the public keys that are used for JWT authentication.

token-io Banks v1 API

These endpoints filter and fetch the list of connected banks, get information on specific banks, and initiate authorization with user-selected banks using Payments v1.

token-io Banks v2 API

This endpoint filters and fetches the list of connected banks, gets information on specific banks, and initiates authorization with user-selected banks using Payments v2.

token-io Pay by Link API

These endpoints allow you to create and manage payment links. Payment links are reusable or single-use payment URLs that can be shared with customers, supporting fixed or variab...

token-io Payments v2 API

Creates and initiates a single immediate payment or a future-dated payment. Also supports initiating a Variable Recurring Payment (VRP) using an existing VRP mandate that has be...

token-io Payouts API

These endpoints allow you to make payouts.

token-io Refunds API

These endpoints allow you to handle registration, posting, and retrieval of refunds associated with original transaction account information.

token-io Reports API

These endpoints retrieve the current AIS and PIS status of connected banks.

token-io Requests - for Payments v1 or AIS API

These endpoints allow you to initiate a Payments v1 request or an AIS request, and retrieve the status of the request.

token-io Settlement Accounts API

These endpoints provide authorized access to an authenticated user's settlement account information, enabling you to create settlement accounts, retrieve settlement account deta...

token-io Sub-TPPs API

These endpoints are for resellers using Token.io's licence to create, retrieve and delete sub-TPPs.

token-io Tokens API

These endpoints retrieve all tokens, a filtered list of tokens, or a specific token, as well as allowing you to cancel an existing token.

token-io Transfers - for Payments v1 API

These endpoints relate to transfers, which are requests to move money between accounts.

token-io Variable Recurring Payments API

These endpoints enable you to initiate Variable Recurring Payments (VRP). Note, that VRP is also available in Payments v2 API.

token-io Verification API

The Verification API from token-io — 1 operation(s) for verification.

token-io Webhooks API

These endpoints configure, retrieve and remove webhooks. See Webhooks for more details

Token.io Account Verifications API

The Account Verifications API from Token.io — 1 operation(s) for account verifications.

Token.io Bank Configs API

The bankConfigs API from Token.io — 2 operation(s) for bankconfigs.

Token.io Banks API

The banks API from Token.io — 9 operation(s) for banks.

Token.io Consents API

The Consents API from Token.io — 4 operation(s) for consents.

Token.io Eidas API

The eidas API from Token.io — 5 operation(s) for eidas.

Token.io Health API

Health Check Endpoints.

Token.io Info API

The info API from Token.io — 5 operation(s) for info.

Token.io Member API

The Member API from Token.io — 6 operation(s) for member.

Token.io Members API

The Members API from Token.io — 2 operation(s) for members.

Token.io Partner API

The partner API from Token.io — 3 operation(s) for partner.

Token.io Payment Links API

The Payment Links API from Token.io — 2 operation(s) for payment links.

Token.io Payments API

The Payments API from Token.io — 4 operation(s) for payments.

Token.io Provider API

The Provider API from Token.io — 2 operation(s) for provider.

Token.io Qr Code API

The Qr Code API from Token.io — 1 operation(s) for qr code.

Token.io Refund API

The Refund API from Token.io — 2 operation(s) for refund.

Token.io Requests API

The requests API from Token.io — 4 operation(s) for requests.

Token.io Secrets API

The Secrets API from Token.io — 1 operation(s) for secrets.

Token.io Sub Tpp API

The subTpp API from Token.io — 6 operation(s) for subtpp.

Token.io Tokenized Accounts API

The Tokenized Accounts API from Token.io — 2 operation(s) for tokenized accounts.

Token.io Transfers API

Transfers Service - Implemented by bank to support payment initiation.

Token.io Tsp API

The tsp API from Token.io — 2 operation(s) for tsp.

Token.io Virtual Accounts API

The Virtual Accounts API from Token.io — 1 operation(s) for virtual accounts.

Token.io Vrps API

The Vrps API from Token.io — 1 operation(s) for vrps.

Token.io Webhook API

The webhook API from Token.io — 1 operation(s) for webhook.

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Postman Collections 18

Ready-to-run Postman collections for exercising this provider's APIs.

Token.io's Open Banking API for TPPs Account on File API

POSTMAN

Token.io's Open Banking API for TPPs Account on File Accounts API

POSTMAN

Token.io's Open Banking API for TPPs Account on File Authentication keys API

POSTMAN

Token.io's Open Banking API for TPPs Account on File Banks v1 API

POSTMAN

Token.io's Open Banking API for TPPs Account on File Banks v2 API

POSTMAN

Token.io's Open Banking API for TPPs Account on File Pay by Link API

POSTMAN

Token.io's Open Banking API for TPPs Account on File Payments v2 API

POSTMAN

Token.io's Open Banking API for TPPs Account on File Payouts API

POSTMAN

Token.io's Open Banking API for TPPs Account on File Refunds API

POSTMAN

Token.io's Open Banking API for TPPs Account on File Reports API

POSTMAN

Token.io's Open Banking API for TPPs Account on File Requests - for Payments v1 or AIS API

POSTMAN

Token.io's Open Banking API for TPPs Account on File Settlement Accounts API

POSTMAN

Token.io's Open Banking API for TPPs Account on File Sub-TPPs API

POSTMAN

Token.io's Open Banking API for TPPs Account on File Tokens API

POSTMAN

Token.io's Open Banking API for TPPs Account on File Transfers - for Payments v1 API

POSTMAN

Token.io's Open Banking API for TPPs Account on File Variable Recurring Payments API

POSTMAN

Token.io's Open Banking API for TPPs Account on File Verification API

POSTMAN

Token.io's Open Banking API for TPPs Account on File Webhooks API

POSTMAN

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Open Collections 19

Open, tool-agnostic API collections (OpenAPI-derived and Bruno).

Token.io's Open Banking API for TPPs Account on File API

OPEN COLLECTION

Token.io's Open Banking API for TPPs Account on File Accounts API

OPEN COLLECTION

Token.io's Open Banking API for TPPs Account on File Authentication keys API

OPEN COLLECTION

Token.io's Open Banking API for TPPs Account on File Banks v1 API

OPEN COLLECTION

Token.io's Open Banking API for TPPs Account on File Banks v2 API

OPEN COLLECTION

Token.io's Open Banking API for TPPs Account on File Pay by Link API

OPEN COLLECTION

Token.io's Open Banking API for TPPs Account on File Payments v2 API

OPEN COLLECTION

Token.io's Open Banking API for TPPs Account on File Payouts API

OPEN COLLECTION

Token.io's Open Banking API for TPPs Account on File Refunds API

OPEN COLLECTION

Token.io's Open Banking API for TPPs Account on File Reports API

OPEN COLLECTION

Token.io's Open Banking API for TPPs Account on File Requests - for Payments v1 or AIS API

OPEN COLLECTION

Token.io's Open Banking API for TPPs Account on File Settlement Accounts API

OPEN COLLECTION

Token.io's Open Banking API for TPPs Account on File Sub-TPPs API

OPEN COLLECTION

Token.io's Open Banking API for TPPs Account on File Tokens API

OPEN COLLECTION

Token.io's Open Banking API for TPPs Account on File Transfers - for Payments v1 API

OPEN COLLECTION

Token.io's Open Banking API for TPPs Account on File Variable Recurring Payments API

OPEN COLLECTION

Token.io's Open Banking API for TPPs Account on File Verification API

OPEN COLLECTION

Token.io's Open Banking API for TPPs Account on File Webhooks API

OPEN COLLECTION

Token.io's Open Banking API for TPPs

OPEN COLLECTION

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MCP Servers 1

Model Context Protocol servers that expose these APIs to AI agents.

Token.io Documentation MCP Server (https://docs.token.io/mcp)

Token.io serves a live, anonymous, remote MCP server on its own documentation host. It is a DOCUMENTATION server, not a payments server: the six tools read the API descriptions ...

MCP SERVER

Pricing Plans 1

Published pricing tiers and plan structures.

Token Io Plans Pricing

4 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Token Io Rate Limits

3 limits

RATE LIMITS

FinOps 1

Cost, billing, and metering signals for API financial operations.

Token Io Finops

FINOPS

Features 24

Notable capabilities this provider offers.

Single Immediate Payments (SIP) via Payments v2

Future-Dated Payments

Variable Recurring Payments (VRP) — sweeping and commercial / non-sweeping

VRP Consents with fund availability checks

Account Information Services (AIS) — balances, transactions, standing orders, account details

Pay by Link — reusable payment URLs with usage and amount limits

Account on File — tokenized bank account references for repeat payments

Refunds tied to original payment transactions

Payouts — outbound transfer execution and monitoring

Settlement Accounts — virtual accounts, transaction lists, and settlement rules

Account Verification — name and account-holder confirmation checks

Banks v1 and Banks v2 — discovery of 4,000+ connected banks across Europe

Sub-TPP management for reseller and platform models

Authentication Keys API for managing JWT public keys

Webhooks for event notifications across payments and AIS lifecycle

Reports API for monitoring AIS/PIS bank status

JWT Bearer Token authentication (production and sandbox)

Basic Auth for sandbox testing

Hosted Payment Pages via iOS and Android webview SDKs

PSD2-compliant Payment Initiation Service (PIS) and Account Information Service (AIS)

FCA-authorised UK PISP / AISP since 2018

Coverage across UK and EU SEPA payment rails

Official SDKs for JavaScript, PHP, C#, and Objective-C

Sandbox environment at dashboard.sandbox.token.io

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Event Specifications 1

AsyncAPI definitions for this provider's event-driven and streaming APIs.

Token Io Webhooks

ASYNCAPI

Semantic Vocabularies 1

JSON-LD contexts and semantic vocabularies used across these APIs.

Token Io Context

0 classes · 6 properties

JSON-LD

Spectral Rules 2

Spectral governance rulesets for linting and validating these APIs.

Token.io — jsonschema rules

6 rules · 4 warnings 2 info

SPECTRAL

Token.io API Rules

11 rules · 7 errors 3 warnings 1 info

SPECTRAL

OpenAPI Overlays 43

Overlays applied on top of this provider's contracts. Each card says who wrote it: a document the provider publishes, or one API Evangelist derived or generated.

Token Io Account On File Api Phrasing Overlay

4 actions · phrasing · token-io-account-on-file-api-openapi.yml

GENERATED

Token Io Account Verifications Api Phrasing Overlay

2 actions · phrasing · token-io-account-verifications-api-openapi.yml

GENERATED

Token Io Accounts Api Phrasing Overlay

26 actions · phrasing · token-io-accounts-api-openapi.yml

GENERATED

Token Io Authentication Keys Api Phrasing Overlay

5 actions · phrasing · token-io-authentication-keys-api-openapi.yml

GENERATED

Token Io Bankconfigs Api Phrasing Overlay

5 actions · phrasing · token-io-bankconfigs-api-openapi.yml

GENERATED

Token Io Banks Api Phrasing Overlay

12 actions · phrasing · token-io-banks-api-openapi.yml

GENERATED

Token Io Banks V1 Api Phrasing Overlay

3 actions · phrasing · token-io-banks-v1-api-openapi.yml

GENERATED

Token Io Banks V2 Api Phrasing Overlay

2 actions · phrasing · token-io-banks-v2-api-openapi.yml

GENERATED

Token Io Consents Api Phrasing Overlay

7 actions · phrasing · token-io-consents-api-openapi.yml

GENERATED

Token Io Eidas Api Phrasing Overlay

6 actions · phrasing · token-io-eidas-api-openapi.yml

GENERATED

Token Io Health Api Phrasing Overlay

2 actions · phrasing · token-io-health-api-openapi.yml

GENERATED

Token Io Info Api Phrasing Overlay

6 actions · phrasing · token-io-info-api-openapi.yml

GENERATED

Token Io Member Api Phrasing Overlay

10 actions · phrasing · token-io-member-api-openapi.yml

GENERATED

Token Io Members Api Phrasing Overlay

5 actions · phrasing · token-io-members-api-openapi.yml

GENERATED

Token Io Openapi Overlay

6 actions · update · token-io-openapi.yml

DERIVED

Token Io Partner Api Phrasing Overlay

4 actions · phrasing · token-io-partner-api-openapi.yml

GENERATED

Token Io Pay By Link Api Phrasing Overlay

5 actions · phrasing · token-io-pay-by-link-api-openapi.yml

GENERATED

Token Io Payment Links Api Phrasing Overlay

5 actions · phrasing · token-io-payment-links-api-openapi.yml

GENERATED

Token Io Payments Api Phrasing Overlay

7 actions · phrasing · token-io-payments-api-openapi.yml

GENERATED

Token Io Payments V2 Api Phrasing Overlay

6 actions · phrasing · token-io-payments-v2-api-openapi.yml

GENERATED

Token Io Payouts Api Phrasing Overlay

4 actions · phrasing · token-io-payouts-api-openapi.yml

GENERATED

Token Io Provider Api Phrasing Overlay

5 actions · phrasing · token-io-provider-api-openapi.yml

GENERATED

Token Io Qr Code Api Phrasing Overlay

2 actions · phrasing · token-io-qr-code-api-openapi.yml

GENERATED

Token Io Refund Api Phrasing Overlay

4 actions · phrasing · token-io-refund-api-openapi.yml

GENERATED

Token Io Refunds Api Phrasing Overlay

11 actions · phrasing · token-io-refunds-api-openapi.yml

GENERATED

Token Io Reports Api Phrasing Overlay

3 actions · phrasing · token-io-reports-api-openapi.yml

GENERATED

Token Io Requests Api Phrasing Overlay

5 actions · phrasing · token-io-requests-api-openapi.yml

GENERATED

Token Io Requests For Payments V1 Or Ais Api Phrasing Overlay

5 actions · phrasing · token-io-requests-for-payments-v1-or-ais-api-openapi.yml

GENERATED

Token Io Secrets Api Phrasing Overlay

2 actions · phrasing · token-io-secrets-api-openapi.yml

GENERATED

Token Io Settlement Accounts Api Phrasing Overlay

11 actions · phrasing · token-io-settlement-accounts-api-openapi.yml

GENERATED

Token Io Sub Tpps Api Phrasing Overlay

9 actions · phrasing · token-io-sub-tpps-api-openapi.yml

GENERATED

Token Io Subtpp Api Phrasing Overlay

10 actions · phrasing · token-io-subtpp-api-openapi.yml

GENERATED

Token Io Tokenized Accounts Api Phrasing Overlay

4 actions · phrasing · token-io-tokenized-accounts-api-openapi.yml

GENERATED

Token Io Tokens Api Phrasing Overlay

5 actions · phrasing · token-io-tokens-api-openapi.yml

GENERATED

Token Io Transfers Api Phrasing Overlay

9 actions · phrasing · token-io-transfers-api-openapi.yml

GENERATED

Token Io Transfers For Payments V1 Api Phrasing Overlay

4 actions · phrasing · token-io-transfers-for-payments-v1-api-openapi.yml

GENERATED

Token Io Tsp Api Phrasing Overlay

3 actions · phrasing · token-io-tsp-api-openapi.yml

GENERATED

Token Io Variable Recurring Payments Api Phrasing Overlay

7 actions · phrasing · token-io-variable-recurring-payments-api-openapi.yml

GENERATED

Token Io Verification Api Phrasing Overlay

2 actions · phrasing · token-io-verification-api-openapi.yml

GENERATED

Token Io Virtual Accounts Api Phrasing Overlay

2 actions · phrasing · token-io-virtual-accounts-api-openapi.yml

GENERATED

Token Io Vrps Api Phrasing Overlay

2 actions · phrasing · token-io-vrps-api-openapi.yml

GENERATED

Token Io Webhook Api Phrasing Overlay

4 actions · phrasing · token-io-webhook-api-openapi.yml

GENERATED

Token Io Webhooks Api Phrasing Overlay

4 actions · phrasing · token-io-webhooks-api-openapi.yml

GENERATED

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JSON Schema 91

Standalone JSON Schema definitions for this provider's data models.

Token.io Account

0 properties

JSON SCHEMA

google.protobuf.Empty

0 properties

JSON SCHEMA

io.token.proto.gateway.accountverification.AccountVerificationResponse

2 properties

JSON SCHEMA

io.token.proto.gateway.accountverification.PerformAccountVerificationRequest

2 properties

JSON SCHEMA

io.token.proto.gateway.AddMemberKeyRequest

2 properties

JSON SCHEMA

io.token.proto.gateway.AddMemberKeyResponse

1 properties

JSON SCHEMA

io.token.proto.gateway.CancelPaymentResponse

1 properties

JSON SCHEMA

io.token.proto.gateway.ConfirmFundsAvailabilityResponse

1 properties

JSON SCHEMA

io.token.proto.gateway.consent.ConfirmConsentAuthenticationRequest

2 properties

JSON SCHEMA

io.token.proto.gateway.consent.ConfirmConsentRequest

2 properties

JSON SCHEMA

io.token.proto.gateway.consent.ConsentRequest

10 properties

JSON SCHEMA

io.token.proto.gateway.consent.ConsentResponse

1 properties

JSON SCHEMA

io.token.proto.gateway.consent.GetConsentsResponse

2 properties

JSON SCHEMA

io.token.proto.gateway.CreatePaymentV2Request

3 properties

JSON SCHEMA

io.token.proto.gateway.CreateRestrictionRequest

2 properties

JSON SCHEMA

io.token.proto.gateway.CreateStandingOrderResponse

2 properties

JSON SCHEMA

io.token.proto.gateway.CreateSubTppRequest

8 properties

JSON SCHEMA

io.token.proto.gateway.CreditVirtualAccountRequest

4 properties

JSON SCHEMA

io.token.proto.gateway.CreditVirtualAccountResponse

0 properties

JSON SCHEMA

io.token.proto.gateway.DeleteBankConfigResponse

0 properties

JSON SCHEMA

io.token.proto.gateway.DeleteMemberKeyResponse

0 properties

JSON SCHEMA

io.token.proto.gateway.DeleteRestrictionResponse

1 properties

JSON SCHEMA

io.token.proto.gateway.DeleteWebhookConfigResponse

0 properties

JSON SCHEMA

io.token.proto.gateway.DisableMemberResponse

0 properties

JSON SCHEMA

io.token.proto.gateway.EmptyResponse

0 properties

JSON SCHEMA

io.token.proto.gateway.EnableMemberResponse

0 properties

JSON SCHEMA

io.token.proto.gateway.GetAccessConsentsResponse

2 properties

JSON SCHEMA

io.token.proto.gateway.GetActiveAccessConsentsResponse

2 properties

JSON SCHEMA

io.token.proto.gateway.GetAvailabilityReportResponse

1 properties

JSON SCHEMA

io.token.proto.gateway.GetBankAuthUrlRequest

1 properties

JSON SCHEMA

io.token.proto.gateway.GetBankConfigResponse

1 properties

JSON SCHEMA

io.token.proto.gateway.GetBankConfigsResponse

1 properties

JSON SCHEMA

io.token.proto.gateway.GetBankInfoResponse

1 properties

JSON SCHEMA

io.token.proto.gateway.GetBanksCountriesResponse

1 properties

JSON SCHEMA

io.token.proto.gateway.GetBanksResponse

2 properties

JSON SCHEMA

io.token.proto.gateway.GetCountriesResponse

1 properties

JSON SCHEMA

io.token.proto.gateway.GetDocumentsResponse

1 properties

JSON SCHEMA

io.token.proto.gateway.GetEidasCertificateStatusResponse

2 properties

JSON SCHEMA

io.token.proto.gateway.GetEidasVerificationStatusResponse

4 properties

JSON SCHEMA

io.token.proto.gateway.GetExternalMetadataResponse

2 properties

JSON SCHEMA

io.token.proto.gateway.GetMemberKeyResponse

1 properties

JSON SCHEMA

io.token.proto.gateway.GetMemberKeysResponse

1 properties

JSON SCHEMA

io.token.proto.gateway.GetMembersUnderPartnerResponse

2 properties

JSON SCHEMA

io.token.proto.gateway.GetPaymentsV2Response

2 properties

JSON SCHEMA

io.token.proto.gateway.GetPayoutRegistrationResponse

1 properties

JSON SCHEMA

io.token.proto.gateway.GetProviderRegistrationsResponse

2 properties

JSON SCHEMA

io.token.proto.gateway.GetQrCodeResponse

1 properties

JSON SCHEMA

io.token.proto.gateway.GetRefundsByPaymentIdResponse

2 properties

JSON SCHEMA

io.token.proto.gateway.GetRegionsResponse

1 properties

JSON SCHEMA

io.token.proto.gateway.GetRestrictionsResponse

1 properties

JSON SCHEMA

io.token.proto.gateway.GetStandingOrderSubmissionsResponse

2 properties

JSON SCHEMA

io.token.proto.gateway.GetTokenRequestResultWithStatusResponse

7 properties

JSON SCHEMA

io.token.proto.gateway.GetTppAccessReportResponse

1 properties

JSON SCHEMA

io.token.proto.gateway.GetTppPerformanceReportResponse

1 properties

JSON SCHEMA

io.token.proto.gateway.GetWebhookConfigResponse

1 properties

JSON SCHEMA

io.token.proto.gateway.InitiateBankAuthorizationRequest

4 properties

JSON SCHEMA

io.token.proto.gateway.InitiateBankAuthorizationResponse

4 properties

JSON SCHEMA

io.token.proto.gateway.OnBankAuthCallbackRequest

1 properties

JSON SCHEMA

io.token.proto.gateway.OnBankAuthCallbackResponse

5 properties

JSON SCHEMA

io.token.proto.gateway.PaymentV2Response

1 properties

JSON SCHEMA

io.token.proto.gateway.paymentlinks.CreatePaymentLinkRequest

2 properties

JSON SCHEMA

io.token.proto.gateway.paymentlinks.PaymentLinkResponse

1 properties

JSON SCHEMA

io.token.proto.gateway.paymentlinks.PaymentLinksResponse

2 properties

JSON SCHEMA

io.token.proto.gateway.PayoutRegisterRequest

4 properties

JSON SCHEMA

io.token.proto.gateway.PayoutRegisterResponse

1 properties

JSON SCHEMA

io.token.proto.gateway.ProvidePaymentEmbeddedAuthV2Request

1 properties

JSON SCHEMA

io.token.proto.gateway.ProviderRegistrationResponse

1 properties

JSON SCHEMA

io.token.proto.gateway.RecoverEidasRequest

2 properties

JSON SCHEMA

io.token.proto.gateway.RegisterProviderRequest

5 properties

JSON SCHEMA

io.token.proto.gateway.RegisterWithEidasRequest

2 properties

JSON SCHEMA

io.token.proto.gateway.RetrieveConsentRequestResponse

1 properties

JSON SCHEMA

io.token.proto.gateway.RetrieveSubTppChildrenResponse

1 properties

JSON SCHEMA

io.token.proto.gateway.RetrieveSubTppResponse

1 properties

JSON SCHEMA

io.token.proto.gateway.RetrieveSubTppsResponse

2 properties

JSON SCHEMA

io.token.proto.gateway.SetWebhookConfigRequest

1 properties

JSON SCHEMA

io.token.proto.gateway.SetWebhookConfigResponse

0 properties

JSON SCHEMA

io.token.proto.gateway.StoreBankConfigResponse

0 properties

JSON SCHEMA

io.token.proto.gateway.tokenizedaccount.CreateTokenizedAccountRequest

2 properties

JSON SCHEMA

io.token.proto.gateway.tokenizedaccount.CreateTokenizedAccountResponse

1 properties

JSON SCHEMA

io.token.proto.gateway.tokenizedaccount.GetTokenizedAccountResponse

2 properties

JSON SCHEMA

io.token.proto.gateway.UpdateRestrictionRequest

1 properties

JSON SCHEMA

io.token.proto.gateway.UploadDocumentRequest

2 properties

JSON SCHEMA

io.token.proto.gateway.UploadKeyAndCertificateRequest

2 properties

JSON SCHEMA

io.token.proto.gateway.UploadKeyAndCertificateResponse

1 properties

JSON SCHEMA

io.token.proto.gateway.VerifyEidasRequest

2 properties

JSON SCHEMA

io.token.proto.gateway.VerifyEidasResponse

3 properties

JSON SCHEMA

Token.io Payment

0 properties

JSON SCHEMA

TransactionStatus

0 properties

JSON SCHEMA

TransferRequest

9 properties

JSON SCHEMA

TransferResponse

4 properties

JSON SCHEMA

Token.io VRP Consent

11 properties

JSON SCHEMA

Scroll for all 91

Security Posture 2

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Token Io Authentication

apiKey/http · 2 schemes

SECURITY

Token Io Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Agentic Access 1

Recommended x-agentic-access execution contracts for AI agents.

Token Io Agentic Access

215 operations · 86 acting · 3 human-in-the-loop

215 operations · 86 acting

AGENTIC

Use Cases 11

What developers build with this provider.

E-commerce Pay-by-Bank checkout (Account-to-Account payments)

Subscription billing via VRP commercial mandates

Utility bill recurring payments via VRP

Account top-ups (investment, gaming, mobile, savings)

Charity donations (zero-fee for charitable organisations)

Personal Finance Management (PFM) multibanking via AIS

Peer-to-peer (P2P) and Business-to-Business (B2B) payments

Lending and credit risk assessment via account data

Account verification for KYC and anti-fraud workflows

Payouts and settlements for marketplaces and platforms

Reseller / Sub-TPP platform integrations

Scroll for all 11

Resources

Get Started 5

Portal, sign-up, and the first successful call

Portal

GettingStarted

Sandbox

Sandbox

Login

Documentation 2

Reference material describing how the API behaves

Documentation

Documentation

Reference

Reference

Agent Surfaces 5

MCP servers, agent skills, and machine-readable catalogs

WellKnown

AgenticAccess

MCPServer

LLMsTxt

AgentSkill

Design & Contract 10

Pagination, idempotency, versioning, errors, and events

Spectral

Spectral

Vocabulary

Conformance

ErrorCatalog

Lifecycle

Conventions

Components

DataModel

Webhooks

Scroll for all 10

Build 7

SDKs, sample code, and the tooling you integrate with

IntegrationEdges

IntegrationEdges

PostmanWorkspace

PostmanWorkspace

GitHubOrganization

Packages

SDKs

ToolCrosswalk

DeclineCodes

Scroll for all 7

Access & Security 3

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Authentication

Authentication

Compliance

Compliance

Operate 6

Status, limits, changes, and where to get help

Support

FAQ

RateLimits

Deprecation

ChangeLog

ReleaseNotes

Commercial 6

Pricing, plans, and the legal terms of use

Pricing

License

Plans

FinOps

TermsOfService

PrivacyPolicy

Company 3

The organization behind the API

Newsroom

Newsroom

Website

Website

Blog

Blog

Other 24

Properties that don't map to a standard resource type

Protobuf

Protobuf

Protobuf

Protobuf

Protobuf

Protobuf

Protobuf

Protobuf

Protobuf

Protobuf

Protobuf

Protobuf

Protobuf

Protobuf

Protobuf

Protobuf

Protobuf

Protobuf

Protobuf

Hosts

Vendors

CapabilityMap

Overlay

Protobuf

Scroll for all 24

Source (apis.yml)

aid: token-io
name: Token.io
deliveryModel:
  model: saas
  license: UK Open Banking Regulated Provider Registration
  open_source: false
  commercial: true
  callable_host: true
  label: Hosted service · you call their endpoint
  confidence: high
  source:
  - license
  - openapi
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: freemium
  onboarding: self-serve
  trial: false
  try_now: true
  public: false
  label: Freemium · Self-serve signup
  confidence: high
  source:
  - plans
  - authentication
  generated: '2026-07-22'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/token-io.png
url: https://raw.githubusercontent.com/api-evangelist/token-io/refs/heads/main/apis.yml
x-docs-platform: redocly
x-docs-platform-confidence: high
x-docs-platform-checked: 2026-10-17
tags:
- Payments
- Open Banking
- Banking
- Financial Services
- Account-to-Account
- PSD2
- Variable Recurring Payments
- Account Information Services
- Payment Initiation
- Fintech
created: '2026-05-25T00:00:00.000Z'
modified: '2026-09-17'
position: Consuming
description: 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. Used by merchants, PSPs, fintechs, PFM apps, and platform businesses to replace card-rail payments and aggregate
  multibank data.
maintainers:
- FN: Kin Lane
  email: info@apievangelist.com
  X: apievangelist
  url: https://apievangelist.com
specificationVersion: '0.23'
common:
- type: Spectral
  url: rules/token-io-rules.yml
- type: Spectral
  url: rules/token-io-jsonschema-spectral-rules.yml
- type: Vocabulary
  url: vocabulary/token-io-vocabulary.yml
- type: Protobuf
  url: grpc/token-io-transferinstructions.proto
- type: Protobuf
  url: grpc/token-io-transfer.proto
- type: Protobuf
  url: grpc/token-io-transaction.proto
- type: Protobuf
  url: grpc/token-io-subscriber.proto
- type: Protobuf
  url: grpc/token-io-submission.proto
- type: Protobuf
  url: grpc/token-io-security.proto
- type: Protobuf
  url: grpc/token-io-providerspecific.proto
- type: Protobuf
  url: grpc/token-io-pricing.proto
- type: Protobuf
  url: grpc/token-io-notification.proto
- type: Protobuf
  url: grpc/token-io-money.proto
- type: Protobuf
  url: grpc/token-io-member.proto
- type: Protobuf
  url: grpc/token-io-eidas.proto
- type: Protobuf
  url: grpc/token-io-consent.proto
- type: Protobuf
  url: grpc/token-io-blob.proto
- type: Protobuf
  url: grpc/token-io-banklink.proto
- type: Protobuf
  url: grpc/token-io-bankinfo.proto
- type: Protobuf
  url: grpc/token-io-alias.proto
- type: Protobuf
  url: grpc/token-io-address.proto
- type: Protobuf
  url: grpc/token-io-account.proto
- type: WellKnown
  url: well-known/token-io-well-known.yml
- type: Hosts
  url: hosts/token-io-hosts.yml
- type: IntegrationEdges
  url: integrations/token-io-integration-edges.yml
- type: Vendors
  url: vendors/token-io-vendors.yml
- type: Newsroom
  url: https://token.io/press
- type: CapabilityMap
  url: capabilities/token-io-capability-edges.yml
  name: Token.io Business Capability Map
- type: Website
  url: https://token.io
- type: PostmanWorkspace
  url: https://www.postman.com/kinlaneapi/token-io/overview
- type: AgenticAccess
  url: agentic-access/token-io-agentic-access.yml
- type: DomainSecurity
  url: security/token-io-domain-security.yml
- type: Authentication
  url: authentication/token-io-authentication.yml
- url: https://token.io
  type: Portal
- url: https://docs.token.io
  type: Documentation
- url: https://docs.token.io/products/tpp
  type: GettingStarted
- url: https://reference.token.io/
  type: Reference
- url: https://support.token.io
  type: Support
- url: https://dashboard.sandbox.token.io/signin
  type: Sandbox
  name: Sandbox Dashboard
- url: https://github.com/tokenio
  type: GitHubOrganization
- url: https://token.io/contact/pricing
  type: Pricing
- url: https://token.io/blog
  type: Blog
- url: https://token.io/faq
  type: FAQ
- url: https://www.openbanking.org.uk/regulated-providers/token/
  type: License
  name: UK Open Banking Regulated Provider Registration
- url: plans/token-io-plans-pricing.yml
  type: Plans
- url: rate-limits/token-io-rate-limits.yml
  type: RateLimits
- url: finops/token-io-finops.yml
  type: FinOps
- url: packages/token-io-packages.yml
  type: Packages
- url: packages/token-io-packages.yml
  type: SDKs
- url: mcp/token-io-mcp.yml
  type: MCPServer
  name: Token.io Documentation MCP Server (https://docs.token.io/mcp)
- url: mcp/token-io-tool-crosswalk.yml
  type: ToolCrosswalk
- url: llms/token-io-llms.txt
  type: LLMsTxt
- url: overlays/token-io-openapi-overlay.yaml
  type: Overlay
- url: grpc/token-io-token.proto
  type: Protobuf
  name: Token.io platform protobuf definitions (21 .proto files in grpc/)
- url: conformance/token-io-conformance.yml
  type: Conformance
- url: conformance/token-io-conformance.yml
  type: Compliance
  name: ISO 27001:2022, PCI DSS Level 1, PSD2, FCA 795904
- url: errors/token-io-problem-types.yml
  type: ErrorCatalog
- url: errors/token-io-decline-codes.yml
  type: DeclineCodes
- url: lifecycle/token-io-lifecycle.yml
  type: Lifecycle
- url: lifecycle/token-io-lifecycle.yml
  type: Deprecation
  name: Backward-compatibility policy and Technical Bulletin advance notice
- url: changelog/token-io-changelog.yml
  type: ChangeLog
- url: https://docs.token.io/products/tpp/tech-bulletins/tb-1638
  type: ReleaseNotes
  name: Technical Bulletins (latest TB-1638, 2026-09-08)
- url: conventions/token-io-conventions.yml
  type: Conventions
- url: sandbox/token-io-sandbox.yml
  type: Sandbox
  name: Sandbox environment, mock bank and test values
- url: components/token-io-components.yml
  type: Components
- url: data-model/token-io-data-model.yml
  type: DataModel
- url: asyncapi/token-io-webhooks.yml
  type: Webhooks
- url: skills/_index.yml
  type: AgentSkill
- url: https://token.io/terms
  type: TermsOfService
- url: https://token.io/privacy-policy
  type: PrivacyPolicy
- url: https://dashboard.token.io
  type: Login
  name: Token Dashboard (production)
- type: Features
  data:
  - Single Immediate Payments (SIP) via Payments v2
  - Future-Dated Payments
  - Variable Recurring Payments (VRP) — sweeping and commercial / non-sweeping
  - VRP Consents with fund availability checks
  - Account Information Services (AIS) — balances, transactions, standing orders, account details
  - Pay by Link — reusable payment URLs with usage and amount limits
  - Account on File — tokenized bank account references for repeat payments
  - Refunds tied to original payment transactions
  - Payouts — outbound transfer execution and monitoring
  - Settlement Accounts — virtual accounts, transaction lists, and settlement rules
  - Account Verification — name and account-holder confirmation checks
  - Banks v1 and Banks v2 — discovery of 4,000+ connected banks across Europe
  - Sub-TPP management for reseller and platform models
  - Authentication Keys API for managing JWT public keys
  - Webhooks for event notifications across payments and AIS lifecycle
  - Reports API for monitoring AIS/PIS bank status
  - JWT Bearer Token authentication (production and sandbox)
  - Basic Auth for sandbox testing
  - Hosted Payment Pages via iOS and Android webview SDKs
  - PSD2-compliant Payment Initiation Service (PIS) and Account Information Service (AIS)
  - FCA-authorised UK PISP / AISP since 2018
  - Coverage across UK and EU SEPA payment rails
  - Official SDKs for JavaScript, PHP, C#, and Objective-C
  - Sandbox environment at dashboard.sandbox.token.io
  sources:
  - https://token.io
  - https://docs.token.io/products/tpp
  - https://reference.token.io/
  - https://token.io/faq
  - https://token.io/developers
  - https://www.openbanking.org.uk/regulated-providers/token/
  updated: '2026-05-25'
- type: UseCases
  data:
  - E-commerce Pay-by-Bank checkout (Account-to-Account payments)
  - Subscription billing via VRP commercial mandates
  - Utility bill recurring payments via VRP
  - Account top-ups (investment, gaming, mobile, savings)
  - Charity donations (zero-fee for charitable organisations)
  - Personal Finance Management (PFM) multibanking via AIS
  - Peer-to-peer (P2P) and Business-to-Business (B2B) payments
  - Lending and credit risk assessment via account data
  - Account verification for KYC and anti-fraud workflows
  - Payouts and settlements for marketplaces and platforms
  - Reseller / Sub-TPP platform integrations
  sources:
  - https://token.io
  - https://docs.token.io/products/tpp
  updated: '2026-05-25'
apis:
- aid: token-io:javascript-sdk
  name: Token.io JavaScript SDK
  tags:
  - SDK
  - JavaScript
  - Node.js
  - Browser
  humanURL: https://github.com/tokenio/sdk-js
  properties:
  - url: https://github.com/tokenio/sdk-js
    type: SourceCode
  - url: https://github.com/tokenio/sdk-js
    type: SDKs
  description: Official Token.io JavaScript SDK for Node.js and browser environments interacting with the Token System and
    Open Banking API.
- aid: token-io:php-sdk
  name: Token.io PHP SDK
  tags:
  - SDK
  - PHP
  humanURL: https://github.com/tokenio/sdk-php
  properties:
  - url: https://github.com/tokenio/sdk-php
    type: SourceCode
  - url: https://github.com/tokenio/sdk-php
    type: SDKs
  description: Official Token.io PHP SDK for interacting with the Token System and Open Banking API.
- aid: token-io:csharp-sdk
  name: Token.io C# SDK
  tags:
  - SDK
  - C#
  - .NET
  humanURL: https://github.com/tokenio/sdk-csharp
  properties:
  - url: https://github.com/tokenio/sdk-csharp
    type: SourceCode
  - url: https://github.com/tokenio/sdk-csharp
    type: SDKs
  description: Official Token.io C# / .NET SDK for the Open Banking API.
- aid: token-io:objc-sdk
  name: Token.io Objective-C SDK
  tags:
  - SDK
  - Objective-C
  - iOS
  humanURL: https://github.com/tokenio/sdk-objc
  properties:
  - url: https://github.com/tokenio/sdk-objc
    type: SourceCode
  - url: https://github.com/tokenio/sdk-objc
    type: SDKs
  description: Official Token.io Objective-C SDK for iOS.
- aid: token-io:ios-webview-sdk
  name: Token.io iOS Webview SDK
  tags:
  - SDK
  - iOS
  - Swift
  - Webview
  - Hosted Payments
  tags_raw:
  - SDK
  - iOS
  - Swift
  - Webview
  - Hosted Payments
  humanURL: https://github.com/tokenio/tokenio-ios-webview-sdk
  properties:
  - url: https://github.com/tokenio/tokenio-ios-webview-sdk
    type: SourceCode
  description: iOS webview SDK for embedding Token.io Hosted Payments pages in native iOS apps.
- aid: token-io:android-webview-sdk
  name: Token.io Android Webview SDK
  tags:
  - SDK
  - Android
  - Kotlin
  - Webview
  - Hosted Payments
  tags_raw:
  - SDK
  - Android
  - Kotlin
  - Webview
  - Hosted Payments
  humanURL: https://github.com/tokenio/tokenio-android-webview-sdk
  properties:
  - url: https://github.com/tokenio/tokenio-android-webview-sdk
    type: SourceCode
  description: Android webview SDK for embedding Token.io Hosted Payments pages in native Android apps.
- aid: token-io:merchant-sample-java
  name: Merchant Sample (Java)
  tags:
  - Sample
  - Java
  - Merchants
  tags_raw:
  - Sample
  - Java
  - Merchant
  humanURL: https://github.com/tokenio/merchant-sample-java
  properties:
  - url: https://github.com/tokenio/merchant-sample-java
    type: SourceCode
  description: Java merchant checkout sample illustrating Token.io payment initiation flows.
- aid: token-io:merchant-sample-js
  name: Merchant Sample (JavaScript)
  tags:
  - Sample
  - JavaScript
  - Merchants
  tags_raw:
  - Sample
  - JavaScript
  - Merchant
  humanURL: https://github.com/tokenio/merchant-sample-js
  properties:
  - url: https://github.com/tokenio/merchant-sample-js
    type: SourceCode
  description: Simple JavaScript merchant checkout example for Token.io.
- aid: token-io:bank-sample-java
  name: Bank Sample (Java)
  tags:
  - Sample
  - Java
  - Bank Integration
  humanURL: https://github.com/tokenio/bank-sample-java
  properties:
  - url: https://github.com/tokenio/bank-sample-java
    type: SourceCode
  description: Sample implementation of the Token Bank Integration API in Java.
- aid: token-io:pfm-sample-java
  name: Personal Finance Management Sample (Java)
  tags:
  - Sample
  - Java
  - PFM
  - Access Tokens
  humanURL: https://github.com/tokenio/pfm-sample-java
  properties:
  - url: https://github.com/tokenio/pfm-sample-java
    type: SourceCode
  description: Simple personal finance app illustrating Token.io's Access Tokens for AIS use cases.
- aid: token-io:merchant-integration-workshop
  name: Merchant Integration Workshop
  tags:
  - Tutorial
  - Workshops
  - Merchants
  tags_raw:
  - Tutorial
  - Workshop
  - Merchant
  humanURL: https://github.com/tokenio/merchant-integration-workshop
  properties:
  - url: https://github.com/tokenio/merchant-integration-workshop
    type: SourceCode
  description: Hands-on workshop for integrating a merchant with Token Checkout.
- aid: token-io:token-io-account-on-file-api
  name: token-io Account on File API
  description: These endpoints allow you to create and manage an Account on File from bank account details. The Account on
    File can then be used in other API requests instead of sending the full account details.
  humanURL: https://docs.token.io/products/tpp/api/reference
  baseURL: https://api.token.io
  tags:
  - Account on File
  properties:
  - type: OpenAPI
    url: openapi/token-io-account-on-file-api-openapi.yml
  - type: Documentation
    url: https://docs.token.io/products/tpp/api/reference
  - type: Reference
    url: https://reference.token.io/
  - type: GettingStarted
    url: https://docs.token.io/products/tpp
  - type: OpenAPISource
    url: https://docs.token.io/_bundle/products/tpp/api/reference/index.yaml
  - type: JSONSchema
    url: json-schema/token-io-payment-schema.json
  - type: JSONSchema
    url: json-schema/token-io-vrp-consent-schema.json
  - type: JSONSchema
    url: json-schema/token-io-account-schema.json
  - type: JSONLD
    url: json-ld/token-io-context.jsonld
- aid: token-io:token-io-accounts-api
  name: token-io Accounts API
  description: These endpoints provide authorized access to an authenticated user's account information.
  humanURL: https://docs.token.io/products/tpp/api/reference
  baseURL: https://api.token.io
  tags:
  - Account
  tags_raw:
  - Accounts
  properties:
  - type: OpenAPI
    url: openapi/token-io-accounts-api-openapi.yml
  - type: Documentation
    url: https://docs.token.io/products/tpp/api/reference
  - type: Reference
    url: https://reference.token.io/
  - type: GettingStarted
    url: https://docs.token.io/products/tpp
  - type: OpenAPISource
    url: https://docs.token.io/_bundle/products/tpp/api/reference/index.yaml
  - type: JSONSchema
    url: json-schema/token-io-payment-schema.json
  - type: JSONSchema
    url: json-schema/token-io-vrp-consent-schema.json
  - type: JSONSchema
    url: json-schema/token-io-account-schema.json
  - type: JSONLD
    url: json-ld/token-io-context.jsonld
- aid: token-io:token-io-authentication-keys-api
  name: token-io Authentication keys API
  description: These endpoints are for managing the public keys that are used for JWT authentication.
  humanURL: https://docs.token.io/products/tpp/api/reference
  baseURL: https://api.token.io
  tags:
  - Authentication Keys
  tags_raw:
  - Authentication keys
  properties:
  - type: OpenAPI
    url: openapi/token-io-authentication-keys-api-openapi.yml
  - type: Documentation
    url: https://docs.token.io/products/tpp/api/reference
  - type: Reference
    url: https://reference.token.io/
  - type: GettingStarted
    url: https://docs.token.io/products/tpp
  - type: OpenAPISource
    url: https://docs.token.io/_bundle/products/tpp/api/reference/index.yaml
  - type: JSONSchema
    url: json-schema/token-io-payment-schema.json
  - type: JSONSchema
    url: json-schema/token-io-vrp-consent-schema.json
  - type: JSONSchema
    url: json-schema/token-io-account-schema.json
  - type: JSONLD
    url: json-ld/token-io-context.jsonld
- aid: token-io:token-io-banks-v1-api
  name: token-io Banks v1 API
  description: These endpoints filter and fetch the list of connected banks, get information on specific banks, and initiate
    authorization with user-selected banks using Payments v1.
  humanURL: https://docs.token.io/products/tpp/api/reference
  baseURL: https://api.token.io
  tags:
  - Banks v1
  properties:
  - type: OpenAPI
    url: openapi/token-io-banks-v1-api-openapi.yml
  - type: Documentation
    url: https://docs.token.io/products/tpp/api/reference
  - type: Reference
    url: https://reference.token.io/
  - type: GettingStarted
    url: https://docs.token.io/products/tpp
  - type: OpenAPISource
    url: https://docs.token.io/_bundle/products/tpp/api/reference/index.yaml
  - type: JSONSchema
    url: json-schema/token-io-payment-schema.json
  - type: JSONSchema
    url: json-schema/token-io-vrp-consent-schema.json
  - type: JSONSchema
    url: json-schema/token-io-account-schema.json
  - type: JSONLD
    url: json-ld/token-io-context.jsonld
- aid: token-io:token-io-banks-v2-api
  name: token-io Banks v2 API
  description: This endpoint filters and fetches the list of connected banks, gets information on specific banks, and initiates
    authorization with user-selected banks using Payments v2.
  humanURL: https://docs.token.io/products/tpp/api/reference
  baseURL: https://api.token.io
  tags:
  - Banks v2
  properties:
  - type: OpenAPI
    url: openapi/token-io-banks-v2-api-openapi.yml
  - type: Documentation
    url: https://docs.token.io/products/tpp/api/reference
  - type: Reference
    url: https://reference.token.io/
  - type: GettingStarted
    url: https://docs.token.io/products/tpp
  - type: OpenAPISource
    url: https://docs.token.io/_bundle/products/tpp/api/reference/index.yaml
  - type: JSONSchema
    url: json-schema/token-io-payment-schema.json
  - type: JSONSchema
    url: json-schema/token-io-vrp-consent-schema.json
  - type: JSONSchema
    url: json-schema/token-io-account-schema.json
  - type: JSONLD
    url: json-ld/token-io-context.jsonld
- aid: token-io:token-io-pay-by-link-api
  name: token-io Pay by Link API
  description: These endpoints allow you to create and manage payment links. Payment links are reusable or single-use payment
    URLs that can be shared with customers, supporting fixed or variable amounts, usage limits, and expiration dates.
  humanURL: https://docs.token.io/products/tpp/api/reference
  baseURL: https://api.token.io
  tags:
  - Pay by Link
  properties:
  - type: OpenAPI
    url: openapi/token-io-pay-by-link-api-openapi.yml
  - type: Documentation
    url: https://docs.token.io/products/tpp/api/reference
  - type: Reference
    url: https://reference.token.io/
  - type: GettingStarted
    url: https://docs.token.io/products/tpp
  - type: OpenAPISource
    url: https://docs.token.io/_bundle/products/tpp/api/reference/index.yaml
  - type: JSONSchema
    url: json-schema/token-io-payment-schema.json
  - type: JSONSchema
    url: json-schema/token-io-vrp-consent-schema.json
  - type: JSONSchema
    url: json-schema/token-io-account-schema.json
  - type: JSONLD
    url: json-ld/token-io-context.jsonld
- aid: token-io:token-io-payments-v2-api
  name: token-io Payments v2 API
  description: Creates and initiates a single immediate payment or a future-dated payment. Also supports initiating a Variable
    Recurring Payment (VRP) using an existing VRP mandate that has been created and authorised via the `/vrp-consent` endpoint.
  humanURL: https://docs.token.io/products/tpp/api/reference
  baseURL: https://api.token.io
  tags:
  - Payments v2
  properties:
  - type: OpenAPI
    url: openapi/token-io-payments-v2-api-openapi.yml
  - type: Documentation
    url: https://docs.token.io/products/tpp/api/reference
  - type: Reference
    url: https://reference.token.io/
  - type: GettingStarted
    url: https://docs.token.io/products/tpp
  - type: OpenAPISource
    url: https://docs.token.io/_bundle/products/tpp/api/reference/index.yaml
  - type: JSONSchema
    url: json-schema/token-io-payment-schema.json
  - type: JSONSchema
    url: json-schema/token-io-vrp-consent-schema.json
  - type: JSONSchema
    url: json-schema/token-io-account-schema.json
  - type: JSONLD
    url: json-ld/token-io-context.jsonld
- aid: token-io:token-io-payouts-api
  name: token-io Payouts API
  description: These endpoints allow you to make payouts.
  humanURL: https://docs.token.io/products/tpp/api/reference
  baseURL: https://api.token.io
  tags:
  - Payouts
  properties:
  - type: OpenAPI
    url: openapi/token-io-payouts-api-openapi.yml
  - type: Documentation
    url: https://docs.token.io/products/tpp/api/reference
  - type: Reference
    url: https://reference.token.io/
  - type: GettingStarted
    url: https://docs.token.io/products/tpp
  - type: OpenAPISource
    url: https://docs.token.io/_bundle/products/tpp/api/reference/index.yaml
  - type: JSONSchema
    url: json-schema/token-io-payment-schema.json
  - type: JSONSchema
    url: json-schema/token-io-vrp-consent-schema.json
  - type: JSONSchema
    url: json-schema/token-io-account-schema.json
  - type: JSONLD
    url: json-ld/token-io-context.jsonld
- aid: token-io:token-io-refunds-api
  name: token-io Refunds API
  description: These endpoints allow you to handle registration, posting, and retrieval of refunds associated with original
    transaction account information.
  humanURL: https://docs.token.io/products/tpp/api/reference
  baseURL: https://api.token.io
  tags:
  - Refunds
  properties:
  - type: OpenAPI
    url: openapi/token-io-refunds-api-openapi.yml
  - type: Documentation
    url: https://docs.token.io/products/tpp/api/reference
  - type: Reference
    url: https://reference.token.io/
  - type: GettingStarted
    url: https://docs.token.io/products/tpp
  - type: OpenAPISource
    url: https://docs.token.io/_bundle/products/tpp/api/reference/index.yaml
  - type: JSONSchema
    url: json-schema/token-io-payment-schema.json
  - type: JSONSchema
    url: json-schema/token-io-vrp-consent-schema.json
  - type: JSONSchema
    url: json-schema/token-io-account-schema.json
  - type: JSONLD
    url: json-ld/token-io-context.jsonld
- aid: token-io:token-io-reports-api
  name: token-io Reports API
  description: These endpoints retrieve the current AIS and PIS status of connected banks.
  humanURL: https://docs.token.io/products/tpp/api/reference
  baseURL: https://api.token.io
  tags:
  - Reports
  properties:
  - type: OpenAPI
    url: openapi/token-io-reports-api-openapi.yml
  - type: Documentation
    url: https://docs.token.io/products/tpp/api/reference
  - type: Reference
    url: https://reference.token.io/
  - type: GettingStarted
    url: https://docs.token.io/products/tpp
  - type: OpenAPISource
    url: https://docs.token.io/_bundle/products/tpp/api/reference/index.yaml
  - type: JSONSchema
    url: json-schema/token-io-payment-schema.json
  - type: JSONSchema
    url: json-schema/token-io-vrp-consent-schema.json
  - type: JSONSchema
    url: json-schema/token-io-account-schema.json
  - type: JSONLD
    url: json-ld/token-io-context.jsonld
- aid: token-io:token-io-requests-for-payments-v1-or-ais-api
  name: token-io Requests - for Payments v1 or AIS API
  description: These endpoints allow you to initiate a Payments v1 request or an AIS request, and retrieve the status of the
    request.
  humanURL: https://docs.token.io/products/tpp/api/reference
  baseURL: https://api.token.io
  tags: []
  tags_raw:
  - Requests - for Payments v1 or AIS
  properties:
  - type: OpenAPI
    url: openapi/token-io-requests-for-payments-v1-or-ais-api-openapi.yml
  - type: Documentation
    url: https://docs.token.io/products/tpp/api/reference
  - type: Reference
    url: https://reference.token.io/
  - type: GettingStarted
    url: https://docs.token.io/products/tpp
  - type: OpenAPISource
    url: https://docs.token.io/_bundle/products/tpp/api/reference/index.yaml
  - type: JSONSchema
    url: json-schema/token-io-payment-schema.json
  - type: JSONSchema
    url: json-schema/token-io-vrp-consent-schema.json
  - type: JSONSchema
    url: json-schema/token-io-account-schema.json
  - type: JSONLD
    url: json-ld/token-io-context.jsonld
- aid: token-io:token-io-settlement-accounts-api
  name: token-io Settlement Accounts API
  description: These endpoints provide authorized access to an authenticated user's settlement account information, enabling
    you to create settlement accounts, retrieve settlement account details, transactions and payouts, and manage settlement
    rules.
  humanURL: https://docs.token.io/products/tpp/api/reference
  baseURL: https://api.token.io
  tags:
  - Settlement Accounts
  properties:
  - type: OpenAPI
    url: openapi/token-io-settlement-accounts-api-openapi.yml
  - type: Documentation
    url: https://docs.token.io/products/tpp/api/reference
  - type: Reference
    url: https://reference.token.io/
  - type: GettingStarted
    url: https://docs.token.io/products/tpp
  - type: OpenAPISource
    url: https://docs.token.io/_bundle/products/tpp/api/reference/index.yaml
  - type: JSONSchema
    url: json-schema/token-io-payment-schema.json
  - type: JSONSchema
    url: json-schema/token-io-vrp-consent-schema.json
  - type: JSONSchema
    url: json-schema/token-io-account-schema.json
  - type: JSONLD
    url: json-ld/token-io-context.jsonld
- aid: token-io:token-io-sub-tpps-api
  name: token-io Sub-TPPs API
  description: These endpoints are for resellers using Token.io's licence to create, retrieve and delete sub-TPPs.
  humanURL: https://docs.token.io/products/tpp/api/reference
  baseURL: https://api.token.io
  tags:
  - Sub-TPPs
  properties:
  - type: OpenAPI
    url: openapi/token-io-sub-tpps-api-openapi.yml
  - type: Documentation
    url: https://docs.token.io/products/tpp/api/reference
  - type: Reference
    url: https://reference.token.io/
  - type: GettingStarted
    url: https://docs.token.io/products/tpp
  - type: OpenAPISource
    url: https://docs.token.io/_bundle/products/tpp/api/reference/index.yaml
  - type: JSONSchema
    url: json-schema/token-io-payment-schema.json
  - type: JSONSchema
    url: json-schema/token-io-vrp-consent-schema.json
  - type: JSONSchema
    url: json-schema/token-io-account-schema.json
  - type: JSONLD
    url: json-ld/token-io-context.jsonld
- aid: token-io:token-io-tokens-api
  name: token-io Tokens API
  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.
  humanURL: https://docs.token.io/products/tpp/api/reference
  baseURL: https://api.token.io
  tags:
  - Tokens
  properties:
  - type: OpenAPI
    url: openapi/token-io-tokens-api-openapi.yml
  - type: Documentation
    url: https://docs.token.io/products/tpp/api/reference
  - type: Reference
    url: https://reference.token.io/
  - type: GettingStarted
    url: https://docs.token.io/products/tpp
  - type: OpenAPISource
    url: https://docs.token.io/_bundle/products/tpp/api/reference/index.yaml
  - type: JSONSchema
    url: json-schema/token-io-payment-schema.json
  - type: JSONSchema
    url: json-schema/token-io-vrp-consent-schema.json
  - type: JSONSchema
    url: json-schema/token-io-account-schema.json
  - type: JSONLD
    url: json-ld/token-io-context.jsonld
- aid: token-io:token-io-transfers-for-payments-v1-api
  name: token-io Transfers - for Payments v1 API
  description: These endpoints relate to transfers, which are requests to move money between accounts.
  humanURL: https://docs.token.io/products/tpp/api/reference
  baseURL: https://api.token.io
  tags:
  - Transfers - for Payments v1
  properties:
  - type: OpenAPI
    url: openapi/token-io-transfers-for-payments-v1-api-openapi.yml
  - type: Documentation
    url: https://docs.token.io/products/tpp/api/reference
  - type: Reference
    url: https://reference.token.io/
  - type: GettingStarted
    url: https://docs.token.io/products/tpp
  - type: OpenAPISource
    url: https://docs.token.io/_bundle/products/tpp/api/reference/index.yaml
  - type: JSONSchema
    url: json-schema/token-io-payment-schema.json
  - type: JSONSchema
    url: json-schema/token-io-vrp-consent-schema.json
  - type: JSONSchema
    url: json-schema/token-io-account-schema.json
  - type: JSONLD
    url: json-ld/token-io-context.jsonld
- aid: token-io:token-io-variable-recurring-payments-api
  name: token-io Variable Recurring Payments API
  description: These endpoints enable you to initiate Variable Recurring Payments (VRP). Note, that VRP is also available
    in Payments v2 API.
  humanURL: https://docs.token.io/products/tpp/api/reference
  baseURL: https://api.token.io
  tags:
  - Variable Recurring Payments
  properties:
  - type: OpenAPI
    url: openapi/token-io-variable-recurring-payments-api-openapi.yml
  - type: Documentation
    url: https://docs.token.io/products/tpp/api/reference
  - type: Reference
    url: https://reference.token.io/
  - type: GettingStarted
    url: https://docs.token.io/products/tpp
  - type: OpenAPISource
    url: https://docs.token.io/_bundle/products/tpp/api/reference/index.yaml
  - type: JSONSchema
    url: json-schema/token-io-payment-schema.json
  - type: JSONSchema
    url: json-schema/token-io-vrp-consent-schema.json
  - type: JSONSchema
    url: json-schema/token-io-account-schema.json
  - type: JSONLD
    url: json-ld/token-io-context.jsonld
- aid: token-io:token-io-verification-api
  name: token-io Verification API
  description: The Verification API from token-io — 1 operation(s) for verification.
  humanURL: https://docs.token.io/products/tpp/api/reference
  baseURL: https://api.token.io
  tags:
  - Verification
  properties:
  - type: OpenAPI
    url: openapi/token-io-verification-api-openapi.yml
  - type: Documentation
    url: https://docs.token.io/products/tpp/api/reference
  - type: Reference
    url: https://reference.token.io/
  - type: GettingStarted
    url: https://docs.token.io/products/tpp
  - type: OpenAPISource
    url: https://docs.token.io/_bundle/products/tpp/api/reference/index.yaml
  - type: JSONSchema
    url: json-schema/token-io-payment-schema.json
  - type: JSONSchema
    url: json-schema/token-io-vrp-consent-schema.json
  - type: JSONSchema
    url: json-schema/token-io-account-schema.json
  - type: JSONLD
    url: json-ld/token-io-context.jsonld
- aid: token-io:token-io-webhooks-api
  name: token-io Webhooks API
  description: These endpoints configure, retrieve and remove webhooks. See <a href="https://developer.token.io/token_rest_api_doc/content/e-rest/api-basics.htm#Webhook"
    target="_blank">Webhooks</a> for more details.
  humanURL: https://docs.token.io/products/tpp/api/reference
  baseURL: https://api.token.io
  tags:
  - Webhook
  tags_raw:
  - Webhooks
  properties:
  - type: OpenAPI
    url: openapi/token-io-webhooks-api-openapi.yml
  - type: Documentation
    url: https://docs.token.io/products/tpp/api/reference
  - type: Reference
    url: https://reference.token.io/
  - type: GettingStarted
    url: https://docs.token.io/products/tpp
  - type: OpenAPISource
    url: https://docs.token.io/_bundle/products/tpp/api/reference/index.yaml
  - type: JSONSchema
    url: json-schema/token-io-payment-schema.json
  - type: JSONSchema
    url: json-schema/token-io-vrp-consent-schema.json
  - type: JSONSchema
    url: json-schema/token-io-account-schema.json
  - type: JSONLD
    url: json-ld/token-io-context.jsonld
- aid: token-io:token-io-account-verifications-api
  name: Token.io Account Verifications API
  description: The Account Verifications API from Token.io — 1 operation(s) for account verifications.
  humanURL: https://github.com/tokenio/sdk-js
  baseURL: https://api.token.io
  tags:
  - Account Verifications
  properties:
  - type: OpenAPI
    url: openapi/token-io-account-verifications-api-openapi.yml
  - type: OpenAPISource
    url: https://api.token.io/swagger.json
  - type: Documentation
    url: https://docs.token.io/products/tpp/api/reference
  - type: Reference
    url: https://reference.token.io/


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# Full source: https://raw.githubusercontent.com/api-evangelist/token-io/refs/heads/main/apis.yml

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