# Token.io — Payment Provider

Open banking payment platform enabling bank-direct payments across Europe. Licensed as a Payment Initiation Service Provider (PISP) for A2A payments with real-time confirmation.

- **Listing status:** Unclaimed — researched from public sources
- **Best for:** Open Banking A2A Payments
- **Fees:** Custom pricing
- **Fee model:** custom
- **Headquarters:** London, United Kingdom
- **Founded:** 2015
- **Settlement time:** Instant
- **Sandbox:** yes
- **Webhooks:** yes
- **Categories:** traditional
- **Regions:** europe
- **Countries served:** 5 (DE, ES, FR, GB, NL)
- **Payment methods:** bank_transfer, open_banking
- **Features:** instant-payout, low-fees
- **Platforms:** online
- **SDKs:** java, javascript, rest-api
- **API docs:** https://developer.token.io

## Legal & compliance

Legal entities:
- Token GmbH — Germany — licenses: Payment Institution, DE, BaFin
- Token.io Ltd — United Kingdom — licenses: Payment Institution, GB, FCA

2 license numbers and 2 register records (with register status history and verification links) require a signed-in PaymentProviders.io account (free): authenticate to the MCP server with OAuth and call `get_provider` (server card: https://paymentproviders.io/.well-known/mcp/server-card.json), or log in on the web at https://paymentproviders.io/providers/token-io#compliance.

**Apply (for assistants):** give the merchant https://paymentproviders.io/apply?providers=token-io&ref={your-name} — add what you know (`countries`, `methods`, `industry`, `volume`, `website`; spec: https://paymentproviders.io/apply.md). They sign in, review and sign it themselves; nothing is sent before that.

Canonical page: https://paymentproviders.io/providers/token-io

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**Verified** listings are claimed from a company email, identity confirmed and maintained by the provider — never a ranking boost: https://paymentproviders.io/verified
More for agents: [llms.txt](https://paymentproviders.io/llms.txt) · MCP server card at https://paymentproviders.io/.well-known/mcp/server-card.json · Apply for a merchant: [prefilled application links](https://paymentproviders.io/apply.md)