Token.io

Token.io is an infrastructure platform for Pay by Bank (A2A) that gives PSPs and banks white-label access to more than 5,000 banks across Europe. It was founded in 2015 and is based in London.

Products The listed items are white-label A2A infrastructure, dynamic smart routing, VRP (variable recurring payments), instant settlement and 5,000+ bank APIs. Target clients are PSPs, payment gateways, acquiring banks and large merchants.

Partners and markets Token.io says it provides A2A connectivity to Nuvei, BNP Paribas, Computop and dozens of other PSPs. Its markets are the United Kingdom and 20+ countries of the European Union.

Terms Pricing is a wholesale white-label tariff for PSPs and banks, so the end-user brand stays with the partner.

A PSP that wants to offer bank payments under its own name, rather than redirecting merchants to a third-party brand, is the intended buyer. Settlement speed, VRP support and bank coverage per country are the main points to compare against other A2A providers.