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 18 APIs on the APIs.io network, including Account on File API, Accounts API, Authentication keys API, and 15 more.

The token-io catalog on APIs.io includes 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 12 more developer resources.

🌐 Visit website 📡 Source on GitHub
58.4/100 strong ▬ flat Agent 44/100 agent ready Full breakdown ↓
scored 2026-08-05 · rubric v0.9.1
AccessFreemiumSelf serve⚡ Free to try
29 APIs 24 Features 11 Use Cases

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-08-05 · rubric v0.9.1
Composite quality — 58.4/100 · strong
Contract Quality 18.4 / 25
Developer Ergonomics 12.6 / 20
Commercial Clarity 10.0 / 20
Operational Transparency 4.8 / 13
Governance 7.0 / 12
Discoverability 5.6 / 10
Agent readiness — 44/100 · agent ready
Machine-Readable Contract 18 / 18
Agentic Access Contract 10 / 10
MCP Server 0 / 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 0 / 6
Agent Skills 0 / 5
Well-Known Catalog 0 / 4
Consent & Bot Identity 0 / 3
A2A Agent Card 0 / 8
Dry-Run / Simulate Mode 0 / 4
Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. 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. Want it done for you? Prioritized profiling — $2,500 →

APIs 29

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...

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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 1

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

Token.io's Open Banking API for TPPs

OPEN COLLECTION

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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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 · DMARC

SECURITY

Agentic Access 1

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

Token Io Agentic Access

71 operations · 24 acting · 1 human-in-the-loop

71 operations · 24 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

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Resources

Get Started 3

Portal, sign-up, and the first successful call

Portal
Portal
 GettingStarted
GettingStarted
 Sandbox
Sandbox

Documentation 2

Reference material describing how the API behaves

Documentation
Documentation
 Reference
Reference

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess
AgenticAccess

Build 2

SDKs, sample code, and the tooling you integrate with

PostmanWorkspace
PostmanWorkspace
 GitHubOrganization
GitHubOrganization

Access & Security 2

Authentication, authorization, and security posture

DomainSecurity
DomainSecurity
 Authentication
Authentication

Operate 3

Status, limits, changes, and where to get help

Support
Support
 FAQ
FAQ
 RateLimits
RateLimits

Commercial 4

Pricing, plans, and the legal terms of use

Pricing
Pricing
 License
License
 Plans
Plans
 FinOps
FinOps

Company 2

The organization behind the API

News
News
 Blog
Blog

Source (apis.yml)

apis.yml Raw ↑ 
aid: token-io
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
  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.
- 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:
  - 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
  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:
  - 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:
  - 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
common:
- 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/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'