Token

Token

Token.io
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About

Finexer is an FCA-regulated, API-driven platform revolutionizing how SMBs access and utilize financial data. By seamlessly connecting to all UK banks, Finexer enables real-time insights and Pay-By-Bank payments through a user-friendly dashboard, deploying 2-3x faster than competitors. Key Features - Data (AISP) & Payments (PISP) APIs: 1. Banks Transactions Data: Gain real-time access to bank transaction data, empowering businesses to enhance decision-making and create tailored user experiences. 2. Balance Checks: Unlock valuable insights into customers' income, expenses, and balance trends to deliver personalised services and targeted offers. 3. Open Banking Payments: Enable secure A2A payments, instant settlements, and automated recurring transactions (Beta), reducing costs by up to 90%. With advanced data capabilities, white-label options, and PSD2-compliant security, Finexer empowers businesses to optimise operations, drive revenue, and elevate customer experiences.

About

Token.io has reimagined account-to-account (A2A) payment infrastructure, enabling banks, fintech firms, platforms, and payment providers to increase revenue, reduce processing expenses, and simplify operations by offering ready-to-use Pay by Bank solutions. Widely acknowledged by independent analysts as one of the leading two A2A payment infrastructure providers worldwide, Token.io’s unparalleled connectivity and excellent partner support position it as a front-runner in open banking and A2A payment infrastructure. Its connections cover over 90% of bank accounts across 21 markets, granting unmatched capability to initiate instant bank payments, refunds and real-time payouts to more than 567 million bank accounts across Europe. Token.io's partenrs include 3 of Europe's top 5 financial institutions; it is also trusted by prominent names in the payments sector, including Mastercard, ACI Worldwide, Global Payments, Nuvei, and Paysafe.

Platforms Supported

Windows
Mac
Linux
Cloud
On-Premises
iPhone
iPad
Android
Chromebook

Platforms Supported

Windows
Mac
Linux
Cloud
On-Premises
iPhone
iPad
Android
Chromebook

Audience

Startups, Businesses, Fintechs, Accounting & ERP, Credit and Lending, payroll invoicing, EPOS

Audience

Banks, financial institutions, fintechs, payment service providers, gateways, acquirers, processors, digital wallets, crypto exchanges, gaming operators

Support

Phone Support
24/7 Live Support
Online

Support

Phone Support
24/7 Live Support
Online

API

Offers API

API

Offers API

Screenshots and Videos

No images available

Screenshots and Videos

Pricing

No information available.
Free Version
Free Trial

Pricing

No information available.
Free Version
Free Trial

Reviews/Ratings

Overall 5.0 / 5
ease 5.0 / 5
features 5.0 / 5
design 4.9 / 5
support 5.0 / 5

Reviews/Ratings

Overall 0.0 / 5
ease 0.0 / 5
features 0.0 / 5
design 0.0 / 5
support 0.0 / 5

This software hasn't been reviewed yet. Be the first to provide a review:

Review this Software

Pros & Cons from Real Users

Pros

  • One of our biggest challenges was giving customers an up-to-date view of their finances without relying on manual uploads. Finexer let us connect accounts, retrieve transaction data, and initiate payments through a single integration. The enriched transaction data has also made reporting much more useful.
  • We added Finexer's PIS to reduce manual payment processing for our HR software. Integration was straightforward, payment confirmations are clear, and reconciliation has become much faster.
  • We started using Finexer to automate bank account verification during employee onboarding. The account information has been consistent, and our operations team spends much less time reviewing banking details manually.
  • Working with Finexer in live ERP environments, the main win has been consistency. Bank data comes in structured enough that reconciliation rules don’t break every month. Payment initiation is also more transparent than card flows—you can trace status without digging through multiple systems. It’s fairly low-maintenance once set up, which matters in busy finance ops teams.
  • Excellent visibility into seller bank activity. Helps validate genuine trading patterns and spot anomalies quickly. Works well for strengthening onboarding checks and ongoing fraud monitoring without heavy manual review.

Cons

  • Because we already had integrations with another Open Banking provider, moving across required some planning. The migration wasn't difficult, but it wasn't something we'd have wanted to do in the middle of a major product release.
  • Its strength is the UK market, so it isn't aimed at businesses looking for a single Open Banking provider across multiple international regions.
  • Production pricing is discussed through a short sales process rather than instant self-service, but it meant we ended up with a setup that matched our expected usage.
  • It’s limited to UK banking coverage, so it doesn’t extend well if your setup includes international entities.
  • Focus on account-to-account payments reduces fees and complexity, but won’t suit businesses reliant on card-based flows or recurring card billing models.

Training

Documentation
Webinars
Live Online
In Person

Training

Documentation
Webinars
Live Online
In Person

Company Information

Finexer
Founded: 2024
United Kingdom
finexer.com

Company Information

Token.io
Founded: 2015
United Kingdom
token.io

Alternatives

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Alternatives

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Advantica

Softax

Categories

Categories

Payment Processing Features

ACH Check Transactions
Bitcoin Compatible
Debit Card Support
Gift Card Management
Mobile Payments
Online Payments
POS Transactions
Receipt Printing
Recurring Billing
Signature Capture

Integrations

No info available.

Integrations

No info available.
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