Token.io website screenshot

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.

70.0/100 exemplar ▬ flat Agent 54/100 agent ready Front door AI 1/6 silent saas · UK Open Banking Regulated Provider Registration Full breakdown ↓
scored 2026-10-04 · rubric v0.23.0
AccessFreemiumSelf serve⚡ Free to try
4 published contracts 1 MCP Servers 24 Features 11 Use Cases
PaymentsOpen BankingBankingFinancial ServicesAccount-to-AccountPSD2Variable Recurring PaymentsAccount Information ServicesPayment InitiationFintech

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-10-04 · rubric v0.23.0
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/.
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 →

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.

Scroll for all 53

Postman Collections 18

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

Scroll for all 18

Open Collections 20

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

API Collection

OPEN COLLECTION

Scroll 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 SERVER

Pricing Plans 1

Published pricing tiers and plan structures.

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.

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

Scroll for all 24

Event Specifications 1

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

Semantic Vocabularies 1

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

Token Io Context

0 classes · 6 properties

JSON-LD

Spectral Rules 1

Spectral governance rulesets for linting and validating these APIs.

Token.io API Rules

6 rules · 4 warnings 2 info

SPECTRAL

JSON Schema 3

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

Token.io Account

0 properties

JSON SCHEMA

Token.io Payment

0 properties

JSON SCHEMA

Token.io VRP Consent

11 properties

JSON SCHEMA

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

197 operations · 82 acting · 3 human-in-the-loop

197 operations · 82 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

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

Scroll for all 7

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)

apis.yml Raw ↑
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
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/
  - type: Documentation
    url: https://docs.token.io/api-definitions/openapi/external/bnpp-refunds
  - type: Documentation
    url: https://docs.token.io/api-definitions/openapi/external/token-bank-integration
- aid: token-io:token-io-bankconfigs-api
  name: Token.io Bank Configs API
  description: The bankConfigs API from Token.io — 2 operation(s) for bankconfigs.
  humanURL: https://github.com/tokenio/sdk-js
  baseURL: https://api.token.io
  tags: []
  tags_raw:
  - bankConfigs
  properties:
  - type: OpenAPI
    url: openapi/token-io-bankconfigs-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/
  - type: Documentation
    url: https://docs.token.io/api-definitions/openapi/external/bnpp-refunds
  - type: Documentation
    url: https://docs.token.io/api-definitions/openapi/external/token-bank-integration
- aid: token-io:token-io-banks-api
  name: Token.io Banks API
  description: The banks API from Token.io — 9 operation(s) for banks.
  humanURL: https://github.com/tokenio/sdk-js
  baseURL: https://api.token.io
  tags:
  - Banks
  tags_raw:
  - banks
  properties:
  - type: OpenAPI
    url: openapi/token-io-banks-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/
  - type: Documentation
    url: https://docs.token.io/api-definitions/openapi/external/bnpp-refunds
  - type: Documentation
    url: https://docs.token.io/api-definitions/openapi/external/token-bank-integration
- aid: token-io:token-io-consents-api
  name: Token.io Consents API
  description: The Consents API from Token.io — 4 operation(s) for consents.
  humanURL: https://github.com/tokenio/sdk-js
  baseURL: https://api.token.io
  tags:
  - Consents
  properties:
  - type: OpenAPI
    url: openapi/token-io-consents-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/
  - type: Documentation
    url: https://docs.token.io/api-definitions/openapi/external/bnpp-refunds
  - type: Documentation
    url: https://docs.token.io/api-definitions/openapi/external/token-bank-integration
- aid: token-io:token-io-eidas-api
  name: Token.io Eidas API
  description: The eidas API from Token.io — 5 operation(s) for eidas.
  humanURL: https://github.com/tokenio/sdk-js
  baseURL: https://api.token.io
  tags:
  - eIDAS
  tags_raw:
  - eidas
  properties:
  - type: OpenAPI
    url: openapi/token-io-eidas-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/
  - type: Documentation
    url: https://docs.token.io/api-definitions/openapi/external/bnpp-refunds
  - type: Documentation
    url: https://docs.token.io/api-definitions/openapi/external/token-bank-integration
- aid: token-io:token-io-health-api
  name: Token.io Health API
  description: Health Check Endpoints.
  humanURL: https://github.com/tokenio/sdk-js
  baseURL: https://api.token.io
  tags:
  - Health
  tags_raw:
  - health
  properties:
  - type: OpenAPI
    url: openapi/token-io-health-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/
  - type: Documentation
    url: https://docs.token.io/api-definitions/openapi/external/bnpp-refunds
  - type: Documentation
    url: https://docs.token.io/api-definitions/openapi/external/token-bank-integration
- aid: token-io:token-io-info-api
  name: Token.io Info API
  description: The info API from Token.io — 5 operation(s) for info.
  humanURL: https://github.com/tokenio/sdk-js
  baseURL: https://api.token.io
  tags:
  - Info
  tags_raw:
  - info
  properties:
  - type: OpenAPI
    url: openapi/token-io-info-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/
  - type: Documentation
    url: https://docs.token.io/api-definitions/openapi/external/bnpp-refunds
  - type: Documentation
    url: https://docs.token.io/api-definitions/openapi/external/token-bank-integration
- aid: token-io:token-io-member-api
  name: Token.io Member API
  description: The Member API from Token.io — 6 operation(s) for member.
  humanURL: https://github.com/tokenio/sdk-js
  baseURL: https://api.token.io
  tags:
  - Member
  properties:
  - type: OpenAPI
    url: openapi/token-io-member-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/
  - type: Documentation
    url: https://docs.token.io/api-definitions/openapi/external/bnpp-refunds
  - type: Documentation
    url: https://docs.token.io/api-definitions/openapi/external/token-bank-integration
- aid: token-io:token-io-members-api
  name: Token.io Members API
  description: The Members API from Token.io — 2 operation(s) for members.
  humanURL: https://github.com/tokenio/sdk-js
  baseURL: https://api.token.io
  tags:
  - Members
  properties:
  - type: OpenAPI
    url: openapi/token-io-members-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/
  - type: Documentation
    url: https://docs.token.io/api-definitions/openapi/external/bnpp-refunds
  - type: Documentation
    url: https://docs.token.io/api-definitions/openapi/external/token-bank-integration
- aid: token-io:token-io-partner-api
  name: Token.io Partner API
  description: The partner API from Token.io — 3 operation(s) for partner.
  humanURL: https://github.com/tokenio/sdk-js
  baseURL: https://api.token.io
  tags:
  - Partners
  tags_raw:
  - partner
  properties:
  - type: OpenAPI
    url: openapi/token-io-partner-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/
  - type: Documentation
    url: https://docs.token.io/api-definitions/openapi/external/bnpp-refunds
  - type: Documentation
    url: https://docs.token.io/api-definitions/openapi/external/token-bank-integration
- aid: token-io:token-io-payment-links-api
  name: Token.io Payment Links API
  description: The Payment Links API from Token.io — 2 operation(s) for payment links.
  humanURL: https://github.com/tokenio/sdk-js
  baseURL: https://api.token.io
  tags:
  - Payment Links
  properties:
  - type: OpenAPI
    url: openapi/token-io-payment-links-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/
  - type: Documentation
    url: https://docs.token.io/api-definitions/openapi/external/bnpp-refunds
  - type: Documentation
    url: https://docs.token.io/api-definitions/openapi/external/token-bank-integration
- aid: token-io:token-io-payments-api
  name: Token.io Payments API
  description: The Payments API from Token.io — 4 operation(s) for payments.
  humanURL: https://github.com/tokenio/sdk-js
  baseURL: https://api.token.io
  tags:
  - Payments
  properties:
  - type: OpenAPI
    url: openapi/token-io-payments-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/
  - type: Documentation
    url: https://docs.token.io/api-definitions/openapi/external/bnpp-refunds


# --- truncated at 32 KB (47 KB total) ---
# Full source: https://raw.githubusercontent.com/api-evangelist/token-io/refs/heads/main/apis.yml

Work with this as data

Every provider here is available over the APIs.io API and to AI agents over MCP.

MCP server

One button, every client — Claude, Cursor, VS Code and the rest.

https://apis.io/mcp

Tools for providers

9 MCP tools reach this
  • find_providersBrowse and filter every provider in the catalog.
  • get_provider_artifactsEvery artifact this provider publishes, grouped by type.
  • get_provider_operationsEvery operation across all of their OpenAPIs — one call instead of parsing every spec.
  • get_provider_toolsEvery MCP tool they ship, with the operation each wraps.
  • get_provider_evidenceHow each part of their score was established. Free — the basis for a claim should not sit behind it.
  • get_provider_ratingPRO — composite, band, trend and facet scores.
  • apis_io_searchSTART HERE — APIs, providers and tags for one query, each with its total.
  • resolveTurn a domain, URL or GitHub org into the provider it belongs to.
  • find_cohortsEvery scored population of providers in the catalog.
All 92 tools →

Call it yourself

curl for this page
This provider
curl "https://apis.io/api/v1/providers/token-io"
All providers
curl "https://apis.io/api/v1/providers?limit=25"
Every operation they expose
curl "https://apis.io/api/v1/providers/token-io/operations?limit=25"
How their score was established
curl "https://apis.io/api/v1/providers/token-io/evidence"

Discovery needs no key. Ratings and market analysis are Pro.

Get an API key

Free tier, no form to fill in. Signing in shares your email address with us — we store it to create your key and to recognise you if you sign in with another provider. See our Privacy Policy and Terms.

A second provider on the same verified email joins the account you already have.