Token.io logo — The leading Pay by Bank infrastructure for banks, payment co...

Token.io

The leading Pay by Bank infrastructure for banks, payment companies and platforms in the UK and Europe.

Founded 2015 United Kingdom London, United Kingdom 101 employees Venture round Total: $90.00M Financial Services, Fintech +1

General Information

Company Name Token.io
Founded Year 2015
Location United Kingdom London, United Kingdom
Founders / Decision Makers
Team member
Employees 101
Industries Financial Services, Fintech, Payments
Funding Stage Venture round
Business Model B2B, API, Platform
Revenue Model Usage Based, Service Fee, Licensing
Offices as of Oct 2026
EC3A 8BE London, United Kingdom 10179 Berlin, Germany
Social

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Recorded by Bounce Watch from public sources. Every entry below carries the date we observed it, and when we have not looked recently the page says so rather than leaving silence to imply nothing happened.

Event Participation Oct 19, 2026

Token.io hosted an evening event for leaders from the banking, payments, and tech industries, discussing scaling Pay by Bank and commercial VRP.

Major Customer Win Oct 14, 2026

Token.io highlighted its customer success with Santander UK, a retail bank, for implementing its Pay by Bank infrastructure.

About Token.io

Token.io, founded in 2015, stands at the forefront of Pay by Bank infrastructure, serving as a critical bridge for banks, payment companies, and platforms across the UK and Europe. The company's infrastructure offers an unparalleled opportunity for clients to enhance revenue streams, reduce operational costs, and venture into new markets.

Recognized as a pioneer in the Pay by Bank network, Token.io boasts a robust portfolio, collaborating with three of Europe’s largest financial institutions. Their esteemed partners include industry giants such as Mastercard, ACI Worldwide, Global Payments, Nuvei, and Paysafe.

The diversity of awards—including accolades like the Merchant Payment Ecosystem Awards—highlights Token.io's leadership and innovation in the open banking and payments domain. Their recent Venture Round investment from HSBC in June 2025 further solidifies investor confidence in their strategic trajectory. Headquartered in the United Kingdom, Token.io continues to set the benchmark for the Financial Services, Fintech, and Payments industries.

Business keywords: Pay by Bank, Open Banking, A2A Payments, Payment Infrastructure, API Connectivity, Payment Initiation, Account Aggregation, PSD2, Payment Solutions, Instant Payments, Recurring Payments, Bank API, Open Banking API, Payment Conversion

Services & Products

Industry-leading Pay by Bank solutions
One-click, recurring and automated bank payments
Real-time payouts and withdrawals
Data solutions for smarter payments

Target Customers

Banks Merchants Fintech companies Ecommerce platforms Crypto platforms iGaming companies

Funding Rounds & Investors (6)

View All
Funding Stage Amount Investors Lead Investors Date
Venture Round Undisclosed 1
HSBC
04 Jun 2025
Series C $40.00M 8
Octopus Ventures, Tempocap +6
12 May 2022
Series B $15.00M 2
Opera Tech Ventures, SBI Investment
27 Jan 2021
Corporate Round $16.50M 3
Octopus Ventures, EQT Ventures +1
18 Jun 2019
Series A $15.70M 4
Octopus Ventures, EQT Ventures +2
24 Apr 2017
Seed Round $2.80M -
10 May 2016

Token.io Alternatives & Competitors

View All Alternatives
Token.io vs
TrueLayer
TrueLayer United Kingdom

We power smarter, faster and safer payments for industry leading businesses across the UK and Europe...

Venture round
280 employees
Developer Tools, Financial Services
Token.io vs
Vyne
Vyne United Kingdom

Payments perfected. The full-stack account-to-account payment solution for merchants. Seamless, fast...

Seed
28 employees
Financial Services, Payments
Token.io vs

Goodbye slooooow payments. Hello super quick account-to-account payments.

Series A
133 employees
Financial Services, Fintech

FAQ About Token.io

The leading Pay by Bank infrastructure for banks, payment companies and platforms in the UK and Europe.
Token.io was founded in 2015.
Token.io is headquartered in London, United Kingdom. As of Oct 2026, it also has offices in EC3A 8BE London, United Kingdom and 10179 Berlin, Germany.
Token.io operates in Financial Services, Fintech and Payments. Its work centres on Pay by Bank, Open Banking, A2A Payments and Payment Infrastructure. Its customers include Banks, Merchants and Fintech companies.
Token.io has a B2B, API and Platform business model. Its revenue comes from Usage Based, Service Fee and Licensing.
Token.io has approximately 101 employees.
Token.io has completed 6 funding rounds, raising a total of $90.00M. The latest funding stage is Venture round.
Token.io offers: Industry-leading Pay by Bank solutions, One-click, recurring and automated bank payments, Real-time payouts and withdrawals, Data solutions for smarter payments.
Top alternatives and competitors to Token.io include TrueLayer, Vyne, Brite Payments, Volt.io, Nuapay - a GoCardless company. These companies operate in related industries and serve comparable markets. You can compare them side by side on Bounce Watch.
Token.io and TrueLayer are both companies in similar industries. Compare their funding, team size, growth signals, and market position on Bounce Watch to see which one fits your needs.

Source: BounceWatch company record for Token.io, https://bouncewatch.com/company/token, updated 19 October 2026. When citing, please name BounceWatch and link this page.

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