token-io

aid: token-io
url: https://raw.githubusercontent.com/api-evangelist/token-io/refs/heads/main/apis.yml
apis:
- aid: token-io:token-io-open-banking-api
  name: Token.io Open Banking API
  tags:
  - Open Banking
  - Payments
  - Account Information
  - AIS
  - PIS
  - VRP
  - PSD2
  humanURL: https://docs.token.io/products/tpp/api/reference
  baseURL: https://api.token.io
  properties:
  - url: https://docs.token.io/products/tpp/api/reference
    type: Documentation
  - url: https://reference.token.io/
    type: Reference
  - url: https://docs.token.io/products/tpp
    type: GettingStarted
  - url: https://docs.token.io/_bundle/products/tpp/api/reference/index.yaml
    type: OpenAPISource
  - url: openapi/token-io-openapi.yml
    type: OpenAPI
  - url: json-schema/token-io-payment-schema.json
    type: JSONSchema
  - url: json-schema/token-io-vrp-consent-schema.json
    type: JSONSchema
  - url: json-schema/token-io-account-schema.json
    type: JSONSchema
  - url: json-ld/token-io-context.jsonld
    type: JSONLD
  - type: NaftikoCapability
    url: capabilities/payments-v2.yaml
  - type: NaftikoCapability
    url: capabilities/variable-recurring-payments.yaml
  - type: NaftikoCapability
    url: capabilities/data-accounts.yaml
  - type: NaftikoCapability
    url: capabilities/banks.yaml
  - type: NaftikoCapability
    url: capabilities/refunds.yaml
  - type: NaftikoCapability
    url: capabilities/payouts.yaml
  - type: NaftikoCapability
    url: capabilities/settlement-accounts.yaml
  - type: NaftikoCapability
    url: capabilities/webhooks.yaml
  - type: NaftikoCapability
    url: capabilities/pay-by-link.yaml
  description: 'Token.io''s Open Banking API for Third Party Providers (TPPs). Enables authorized access to
    authenticated users'' account information, initiation and tracking of single immediate and future-dated
    payments, variable recurring payments (VRP) for long-held consents, settlement-account based payments and
    refunds, payouts, account verification, and Pay-by-Link checkout flows. Supports Banks v1/v2, Sub-TPP
    management, webhooks, JWT-based authentication, and reporting across 4,000+ connected banks in Europe.'
- aid: token-io:javascript-sdk
  name: Token.io JavaScript SDK
  tags:
  - SDK
  - JavaScript
  - Node.js
  - Browser
  humanURL: https://github.com/tokenio/sdk-js
  properties:
  - url: https://github.com/tokenio/sdk-js
    type: SourceCode
  - url: https://github.com/tokenio/sdk-js
    type: SDK
  description: Official Token.io JavaScript SDK for Node.js and browser environments interacting with the Token
    System and Open Banking API.
- aid: token-io:php-sdk
  name: Token.io PHP SDK
  tags:
  - SDK
  - PHP
  humanURL: https://github.com/tokenio/sdk-php
  properties:
  - url: https://github.com/tokenio/sdk-php
    type: SourceCode
  - url: https://github.com/tokenio/sdk-php
    type: SDK
  description: Official Token.io PHP SDK for interacting with the Token System and Open Banking API.
- aid: token-io:csharp-sdk
  name: Token.io C# SDK
  tags:
  - SDK
  - C#
  - .NET
  humanURL: https://github.com/tokenio/sdk-csharp
  properties:
  - url: https://github.com/tokenio/sdk-csharp
    type: SourceCode
  - url: https://github.com/tokenio/sdk-csharp
    type: SDK
  description: Official Token.io C# / .NET SDK for the Open Banking API.
- aid: token-io:objc-sdk
  name: Token.io Objective-C SDK
  tags:
  - SDK
  - Objective-C
  - iOS
  humanURL: https://github.com/tokenio/sdk-objc
  properties:
  - url: https://github.com/tokenio/sdk-objc
    type: SourceCode
  - url: https://github.com/tokenio/sdk-objc
    type: SDK
  description: Official Token.io Objective-C SDK for iOS.
- aid: token-io:ios-webview-sdk
  name: Token.io iOS Webview SDK
  tags:
  - SDK
  - iOS
  - Swift
  - Webview
  - Hosted Payments
  humanURL: https://github.com/tokenio/tokenio-ios-webview-sdk
  properties:
  - url: https://github.com/tokenio/tokenio-ios-webview-sdk
    type: SourceCode
  description: iOS webview SDK for embedding Token.io Hosted Payments pages in native iOS apps.
- aid: token-io:android-webview-sdk
  name: Token.io Android Webview SDK
  tags:
  - SDK
  - Android
  - Kotlin
  - Webview
  - Hosted Payments
  humanURL: https://github.com/tokenio/tokenio-android-webview-sdk
  properties:
  - url: https://github.com/tokenio/tokenio-android-webview-sdk
    type: SourceCode
  description: Android webview SDK for embedding Token.io Hosted Payments pages in native Android apps.
- aid: token-io:merchant-sample-java
  name: Merchant Sample (Java)
  tags:
  - Sample
  - Java
  - Merchant
  humanURL: https://github.com/tokenio/merchant-sample-java
  properties:
  - url: https://github.com/tokenio/merchant-sample-java
    type: SourceCode
  description: Java merchant checkout sample illustrating Token.io payment initiation flows.
- aid: token-io:merchant-sample-js
  name: Merchant Sample (JavaScript)
  tags:
  - Sample
  - JavaScript
  - Merchant
  humanURL: https://github.com/tokenio/merchant-sample-js
  properties:
  - url: https://github.com/tokenio/merchant-sample-js
    type: SourceCode
  description: Simple JavaScript merchant checkout example for Token.io.
- aid: token-io:bank-sample-java
  name: Bank Sample (Java)
  tags:
  - Sample
  - Java
  - Bank Integration
  humanURL: https://github.com/tokenio/bank-sample-java
  properties:
  - url: https://github.com/tokenio/bank-sample-java
    type: SourceCode
  description: Sample implementation of the Token Bank Integration API in Java.
- aid: token-io:pfm-sample-java
  name: Personal Finance Management Sample (Java)
  tags:
  - Sample
  - Java
  - PFM
  - Access Tokens
  humanURL: https://github.com/tokenio/pfm-sample-java
  properties:
  - url: https://github.com/tokenio/pfm-sample-java
    type: SourceCode
  description: Simple personal finance app illustrating Token.io's Access Tokens for AIS use cases.
- aid: token-io:merchant-integration-workshop
  name: Merchant Integration Workshop
  tags:
  - Tutorial
  - Workshop
  - Merchant
  humanURL: https://github.com/tokenio/merchant-integration-workshop
  properties:
  - url: https://github.com/tokenio/merchant-integration-workshop
    type: SourceCode
  description: Hands-on workshop for integrating a merchant with Token Checkout.
common:
- url: https://token.io
  type: Portal
- url: https://docs.token.io
  type: Documentation
- url: https://docs.token.io/products/tpp
  type: GettingStarted
- url: https://reference.token.io/
  type: Reference
- url: https://support.token.io
  type: Support
- url: https://dashboard.sandbox.token.io/signin
  type: Sandbox
  name: Sandbox Dashboard
- url: https://github.com/tokenio
  type: GitHubOrganization
- url: https://token.io/contact/pricing
  type: Pricing
- url: https://token.io/news
  type: News
- url: https://token.io/blog
  type: Blog
- url: https://token.io/faq
  type: FAQ
- url: https://www.openbanking.org.uk/regulated-providers/token/
  type: License
  name: UK Open Banking Regulated Provider Registration
- url: plans/token-io-plans-pricing.yml
  type: Plans
- url: rate-limits/token-io-rate-limits.yml
  type: RateLimits
- url: finops/token-io-finops.yml
  type: FinOps
- type: Features
  data:
  - Single Immediate Payments (SIP) via Payments v2
  - Future-Dated Payments
  - Variable Recurring Payments (VRP) — sweeping and commercial / non-sweeping
  - VRP Consents with fund availability checks
  - Account Information Services (AIS) — balances, transactions, standing orders, account details
  - Pay by Link — reusable payment URLs with usage and amount limits
  - Account on File — tokenized bank account references for repeat payments
  - Refunds tied to original payment transactions
  - Payouts — outbound transfer execution and monitoring
  - Settlement Accounts — virtual accounts, transaction lists, and settlement rules
  - Account Verification — name and account-holder confirmation checks
  - Banks v1 and Banks v2 — discovery of 4,000+ connected banks across Europe
  - Sub-TPP management for reseller and platform models
  - Authentication Keys API for managing JWT public keys
  - Webhooks for event notifications across payments and AIS lifecycle
  - Reports API for monitoring AIS/PIS bank status
  - JWT Bearer Token authentication (production and sandbox)
  - Basic Auth for sandbox testing
  - Hosted Payment Pages via iOS and Android webview SDKs
  - PSD2-compliant Payment Initiation Service (PIS) and Account Information Service (AIS)
  - FCA-authorised UK PISP / AISP since 2018
  - Coverage across UK and EU SEPA payment rails
  - Official SDKs for JavaScript, PHP, C#, and Objective-C
  - Sandbox environment at dashboard.sandbox.token.io
  sources:
  - https://token.io
  - https://docs.token.io/products/tpp
  - https://reference.token.io/
  - https://token.io/faq
  - https://token.io/developers
  - https://www.openbanking.org.uk/regulated-providers/token/
  updated: '2026-05-25'
- type: UseCases
  data:
  - E-commerce Pay-by-Bank checkout (Account-to-Account payments)
  - Subscription billing via VRP commercial mandates
  - Utility bill recurring payments via VRP
  - Account top-ups (investment, gaming, mobile, savings)
  - Charity donations (zero-fee for charitable organisations)
  - Personal Finance Management (PFM) multibanking via AIS
  - Peer-to-peer (P2P) and Business-to-Business (B2B) payments
  - Lending and credit risk assessment via account data
  - Account verification for KYC and anti-fraud workflows
  - Payouts and settlements for marketplaces and platforms
  - Reseller / Sub-TPP platform integrations
  sources:
  - https://token.io
  - https://docs.token.io/products/tpp
  updated: '2026-05-25'
created: '2026-05-25T00:00:00.000Z'
modified: '2026-05-25'
position: Consuming
description: Token.io is an Open Banking infrastructure provider offering A2A (Account-to-Account) payments and
  account information services across Europe. Founded in 2016 and FCA-authorised since 2018, Token.io was the
  first payment initiation service provider to conduct an end-to-end PSD2-compliant Open Banking transaction. The
  Token.io platform connects developers and TPPs to over 4,000 banks via a single standardised API supporting
  Payment Initiation Services (PIS), Account Information Services (AIS), Variable Recurring Payments (VRP),
  refunds, payouts, settlement accounts, account verification, and Pay-by-Link checkout. Used by merchants, PSPs,
  fintechs, PFM apps, and platform businesses to replace card-rail payments and aggregate multibank data.
maintainers:
- FN: Kin Lane
  email: [email protected]
  X: apievangelist
  url: https://apievangelist.com
specificationVersion: '0.16'