token-io

aid: token-io
url: https://raw.githubusercontent.com/api-evangelist/token-io/refs/heads/main/apis.yml
apis:
  - aid: token-io:token-io-open-banking-api
    name: Token.io Open Banking API
    tags:
      - Open Banking
      - Payments
      - Account Information
      - AIS
      - PIS
      - VRP
      - PSD2
    humanURL: https://docs.token.io/products/tpp/api/reference
    baseURL: https://api.token.io
    properties:
      - url: https://docs.token.io/products/tpp/api/reference
        type: Documentation
      - url: https://reference.token.io/
        type: Reference
      - url: https://docs.token.io/products/tpp
        type: GettingStarted
      - url: https://docs.token.io/_bundle/products/tpp/api/reference/index.yaml
        type: OpenAPISource
      - url: openapi/token-io-openapi.yml
        type: OpenAPI
      - 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: JSONSchema
      - url: json-ld/token-io-context.jsonld
        type: JSONLD
    description: >-
      Token.io's Open Banking API for Third Party Providers (TPPs). Enables authorized access to authenticated users'
      account information, initiation and tracking of single immediate and future-dated payments, variable recurring
      payments (VRP) for long-held consents, settlement-account based payments and refunds, payouts, account
      verification, and Pay-by-Link checkout flows. Supports Banks v1/v2, Sub-TPP management, webhooks, JWT-based
      authentication, and reporting across 4,000+ connected banks in Europe.
  - 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: SDK
    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: SDK
    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: SDK
    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: SDK
    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
    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
    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
      - 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
      - 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
      - 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.
common:
  - 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/news
    type: News
  - 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
  - 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'
created: '2026-05-25T00:00:00.000Z'
modified: '2026-05-25'
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: '0.16'