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 APIs 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 1 Spectral governance ruleset.
Token.io’s developer surface includes authentication, developer portal, documentation, getting-started guide, support, sandbox, pricing, and 37 more developer resources.
Kin Score
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 Webhoo...
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.
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Open Collections 20
Open, tool-agnostic API collections (OpenAPI-derived and Bruno).
API Collection
OPEN COLLECTIONToken.io's Open Banking API for TPPs Account on File API
OPEN COLLECTIONToken.io's Open Banking API for TPPs Account on File Requests - for Payments v1 or AIS API
OPEN COLLECTIONToken.io's Open Banking API for TPPs
OPEN COLLECTIONScroll for all 20
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 SERVERPricing Plans 1
Published pricing tiers and plan structures.
Rate Limits 1
Documented rate limits and quota policies.
Token Io Rate Limits
RATE LIMITSFinOps 1
Cost, billing, and metering signals for API financial operations.
Token Io Finops
FINOPSFeatures 24
Notable capabilities this provider offers.
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Event Specifications 1
AsyncAPI definitions for this provider's event-driven and streaming APIs.
Token Io Webhooks
ASYNCAPISemantic Vocabularies 1
JSON-LD contexts and semantic vocabularies used across these APIs.
Token Io Context
JSON-LDSpectral Rules 1
Spectral governance rulesets for linting and validating these APIs.
Token.io API Rules
SPECTRALJSON Schema 3
Standalone JSON Schema definitions for this provider's data models.
Security Posture 2
Authentication, domain security, vulnerability disclosure, and trust-center signals.
Agentic Access 1
Recommended x-agentic-access execution contracts for AI agents.
Use Cases 11
What developers build with this provider.
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Resources
Get Started 5
Portal, sign-up, and the first successful call
Documentation 2
Reference material describing how the API behaves
Agent Surfaces 4
MCP servers, agent skills, and machine-readable catalogs
Design & Contract 7
Pagination, idempotency, versioning, errors, and events
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Build 6
SDKs, sample code, and the tooling you integrate with
Access & Security 3
Authentication, authorization, and security posture
Operate 6
Status, limits, changes, and where to get help
Commercial 6
Pricing, plans, and the legal terms of use
Company 2
The organization behind the API
Other 3
Properties that don't map to a standard resource type
Source (apis.yml)
Work with this as data
Every provider here is available over the APIs.io API and to AI agents over MCP.