Token.io
Quick Start
- Sign up at token.io and obtain API credentials
- Create a terminal in the Admin Console with the parameters below
- Start processing — the adapter is pre-built and ready to use
Overview
Token.io — PSD2 Open Banking platform for account-to-account payments across UK and EU. Supports Faster Payments, SEPA, and local rails.
| Provider ID | tokenio |
| Category | Bank Transfers |
| Website | token.io |
Authentication
- Method: JWT with private key signature
- Base URL:
https://api.token.io/
Configuration
Required Parameters
| Parameter | Description |
|---|---|
base_url | Base URL API |
api_key | API Key (kid) |
api_secret | Private Key (PEM) |
merchant_id | Merchant ID |
key2 | Signing algorithm (RS256) |
Example Configuration
{
"env": "prod",
"base_url": "https://api.token.io/",
"api_key": "your-kid-here",
"api_secret": "-----BEGIN PRIVATE KEY-----\n...\n-----END PRIVATE KEY-----",
"key2": "RS256",
"merchant_id": "m:merchant-id",
"local_instrument": "FASTER_PAYMENTS",
"creditor_name": "Your Company Ltd",
"sort_code": "123456",
"account_number": "12345678"
}
Payment Flow
Payments via Open Banking (one-phase):
-
authorize - initialization payment via POST
/v2/payments:- Creation JWT with private key signature
- initiation: refId (12-digit number), amount, currency, localInstrument, creditor
- callbackUrl for return after payment
- flowType="FULL_HOSTED_PAGES"
- Retrieval payment.id and redirect URL
-
status - status check via GET
/v2/payments/{payment_id}:- JWT signature for GET request
- Parsing payment.status
Status Mapping
| Provider Status | 4pay Status | Description |
|---|---|---|
INITIATION_PENDING_* | action_required | |
SETTLEMENT_COMPLETED | charged |