# token-io **Canonical:** https://apis.io/providers/token-io/ **Website:** https://token.io **APIs profiled:** 29 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. ## Kin Score — 52.0 / 100 (developing) Scored 2026-08-25 under rubric 0.14.0. Trend: flat (+0.0 from 52.0). | Facet | Score | |---|---| | Discoverability | 55.6 | | Contract Quality | 66.6 | | Governance | 9.8 | | Contract Governance | 9.8 | | Operational Transparency | 36.8 | | Developer Ergonomics | 69.0 | | Commercial Clarity | 50.0 | | Access Clarity | 50.0 | ## Agent readiness — 34.9 (agent-ready) | Dimension | Value | |---|---| | Spec Presence | yes | | Agentic Access | derived | | Reversibility Documented | verified | | MCP Server | no | | Auth Clarity | bearer | | Idempotency | no | | Error Semantics | verified | | OpenAPI Examples | verified | | Rate Limit Signal | documented | | Event Surface Described | no | | Agent Skills | no | | Well Known Catalog | no | | Consent Identity | no | | Agent Card | no | | Dry Run Mode | no | | Delegated Identity | no | | Protected Resource Metadata | no | | Dynamic Client Registration | no | | Agentic Commerce | no | ## Access Freemium · Self-serve signup — onboarding: self-serve, pricing: freemium, trial: no (confidence: high). ## APIs (29) - **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... ## Agentic access (1) - **Token Io Agentic Access** — 71 operations · 24 acting · 1 human-in-the-loop ## Security (2) - **Token Io Authentication** — apiKey/http · 2 schemes - **Token Io Domain Security** — TLSv1.3 · DMARC ## Plans (1) - **Token Io Plans Pricing** ## Use cases (11) - **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** --- Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/token-io/). Scores are computed from the provider's own public artifacts under a published rubric.