Highlights
Location flexibility
95%
Role modelling
86%
Autonomy
85%
Token.io
Pay by Bank infrastructure — reimagined
Token.io is the leading Pay by Bank infrastructure provider.
Powering major Pay by Bank schemes in the UK and Europe, Token.io’s turnkey infrastructure makes it simple for banks, platforms and payment companies to grow revenue, reduce costs and expand to new markets with Pay by Bank.
The first and most experienced provider to own and operate a Pay by Bank network, Token.io is a driving force for innovation as the single access point connecting businesses to the future of payments. Token.io combines unmatched domain expertise with the most flexible integration options to accelerate partners' time to success. Best‑in‑class technology, unrivalled acceptance, industry‑leading conversion rates, and a uniquely collaborative partnership and distribution model make Token.io the market benchmark, as recognised by independent analysts.
Partnering with three of Europe’s five largest financial institutions, Token.io is the leading Pay by Bank infrastructure provider for banks, and proudly powers a blue‑chip payments community that includes Mastercard, ACI Worldwide, Global Payments, Nuvei, and Paysafe.
🌟 High Flier in Open Banking Solutions - CB Insights, 2026
🌟 #3 provider globally - Juniper Research Global A2A Payments Market Report 2025-2030
🏆 Best Open Banking / A2A Payment Solution - Merchant Payment Ecosystem Awards 2026
🏆 Best Open Banking Payment Project - Consumer - Open Banking Expo Awards 2025
🏆 Best A2A Payments Platform 2025 - Juniper Research Future Digital Awards 2025
🏆 Best Open Finance System: Leveraging Open Banking for A2A Payments - Banking Tech Awards 2024
🏆 Best Use of Open Banking for Payments - Merchant Payment Ecosystem Awards 2024
Token.io has a culture of both business and people growth. A supportive team, flexible working environment, and unique development opportunities will equip you to do your best and most impactful work at Token.io.
Learn about our culture and employee benefits on our site here.
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What Token.io offers their employees
Location flexibility
Hours flexibility
Work-life balance
Autonomy
Flexible working at Token.io
Our success isn’t measured against the hours we keep or where we work. It’s measured on the scale of the impact we create, and the success we create for our customers.
Token.io is proud to be a remote-first company, with the option for staff that prefer to use hybrid office hubs in both London and Berlin.
ALL our roles can be performed flexibly with respect to location.
Our office hubs are great for in person collaboration, and catching up with a colleague over a cuppa; but there is no company-wide requirement that you work from our offices for a specific number of days, or portion of your working hours.
Individuals who live within reasonable commuting distance of our offices can meet at least once a month for our company-wide All Hands, and there’s always an opportunity to catch up over drinks or dinner afterwards.
Many of our roles can also be performed flexibly with respect to hours. We believe people should be able to determine how and where they work best, and it’s important that people feel supported in any caring responsibilities, and in their work/life harmony.
🏘️ Remote first, hybrid friendly
⚖️ Flexible hours, so people can work around their personal obligations
⏲️ Open to part-time employees and compressed hours
💪 Team building offsites
🌍 Work From Anywhere policy, with up to 45 days in any rolling 12 months
🖥️ Budget to support your home office set up
🏥 A choice of Health insurance types and providers from 1st day - no wait period
👩💻 Employee Assistance Programme, including face to face counselling
👵 Company sponsored pension plans
✈️ 30 days holiday plus local public holidays
📈 Equity packages for all team members
Inclusion & Belonging at Token.io
Token.io is building an open future for everyone. We don’t just accept different points of view, lived experiences and new ways of thinking — we search them out. They help us make better products, better decisions, and a better place for everyone to work. So, come as you are. We acknowledge and embrace different backgrounds, identities, and abilities. Respect is our default, and empathy is our baseline. No one succeeds until we all do.
What Employees like about Token.io
Culture
Truly warm and friendly culture, supporting flexible working and a great team with the same vision for the company
People & Community
Great people on all levels of the organisation.
Awards & Achievements
Most flexible companies
Flexa100 2024
Best Open Banking / A2A Payment Solution - Merchant Payment Ecosystem Awards
2026
Best Open Banking Payment Project - Consumer - Open Banking Expo Awards
2025
Best A2A Payments Platform 2025 - Juniper Research Future Digital Awards
2025
Best Open Finance System - Fintech Futures Banking Tech Awards
2024
Open Banking Innovation Platinum Award - Juniper Research Future Digital Awards
2024
Best use of Open Banking for Payments - Merchant Payment Ecosystems Awards
2024
Best Bank & Fintech Partnership (Token.io & HSBC) - Banking Tech Awards
2023
Best Open Banking Solution - Banking Tech Awards
2023
Open Banking Innovation Platinum Award - Juniper Research
2023
Payments Tech of the Year - Europe Fintech Awards
2023
PayTech Awards - Finalist - Tech of the Future: UK & Europe
2023
Europe FinTech Awards - Finalist - Fintech of the Year
2023
Paytech for Good Award - PayTech Awards
2023
Pay360 Awards - Finalist - Best Direct Account to Account Solution
2023
NewTech Challenge: Payments Bronze Award - Qorus-Capgemini
2023
Open Banking Innovation Platinum Award - Juniper Research
2022Anything else you want to know?
Ask Token.io a question about their ways of working, benefits, or anything else on their profile, and we'll pass it on for them to answer. (Just a heads up, we can't respond to questions about specific roles or applications)
Working at Token.io
Remote-first
A little flex time
Company employees:
Gender diversity (m:f):
Funding levels:
Hiring in countries
United Kingdom
Office Locations
Anything else you want to know?
Ask Token.io a question about their ways of working, benefits, or anything else on their profile, and we'll pass it on for them to answer. (Just a heads up, we can't respond to questions about specific roles or applications)
Related blog posts
Employee benefits
Annual Leave
- Accrued annual leave – 30 days per year plus local public holidays
- Optional unpaid leave
Health & Wellbeing
- Compassionate leave
- Dental coverage
- Enhanced sick pay
- Health insurancePopular
Learning & Development
- Lunch and learns
Office Based
- Cycle to work scheme
- On-site yoga classes
Salary Based
- Electric Car Salary Sacrifice
- Enhanced pension match/contribution
- Equity packages
- Life insurance
Travel & Leisure
- Work from anywhere scheme – 45 days in any rolling 12 monthsPopular
Work Environment
- Co-working space allowance – If its tricky to work at home (building work, etc) we can support
- Work from home budgetPopular
Work Week
- Open to compressed hoursPopular
- Open to job sharingPopular
- Open to part time work for some rolesPopular
- Open to part-time employeesPopular
Other
- Employee assistance programme
- Financial coaching
- Teambuilding days
