specification: FinOps Framework
specificationVersion: '1.0'
schema: https://www.finops.org/framework/
provider: Token.io
providerId: token-io
created: '2026-05-25'
modified: '2026-05-25'
reconciled: false
tags:
  - FinOps
  - Cost Management
  - FOCUS
  - Open Banking
  - Payments
description: FOCUS-aligned FinOps view of the Token.io commercial surface. Token.io charges per-transaction
  fees on Payment Initiation, VRP, Refunds, Payouts, and per-consent fees on AIS, under negotiated commercial
  contracts. Charity workloads are zero-fee.
sources:
  - https://token.io/contact/pricing
  - https://token.io/blog/flattening-the-cost-curve-with-open-banking
  - https://docs.token.io/products/tpp
alignedWith:
  framework: FinOps Foundation Framework
  frameworkUrl: https://www.finops.org/framework/
  dataSpec: FOCUS
  dataSpecVersion: '1.3'
  dataSpecUrl: https://focus.finops.org/focus-specification/v1-3/
publisherName: Token.io Ltd
serviceCategory: Financial Services - Open Banking Infrastructure
billingModel:
  pricingCategory: Usage-Based
  billingFrequency: Monthly
  billingCurrency: GBP
  alternateCurrencies:
    - EUR
  chargeCategories:
    - Usage
    - Adjustment
    - Credit
  primaryUnit: transaction
  secondaryUnits:
    - consent
    - request
focusColumns:
  ServiceName: Token.io Open Banking API
  ServiceCategory: Financial Services
  ProviderName: Token.io
  PublisherName: Token.io Ltd
  InvoiceIssuerName: Token.io Ltd
  PricingCategory: Usage-Based
  PricingUnit: transaction
  BillingCurrency: GBP
meters:
  - name: payment_initiations
    unit: transaction
    aggregation: count
    dimensions:
      - bank
      - rail
      - currency
      - tenant
  - name: vrp_payments
    unit: transaction
    aggregation: count
    dimensions:
      - bank
      - consent_type
      - currency
      - tenant
  - name: vrp_consents_active
    unit: consent
    aggregation: max
    dimensions:
      - consent_type
      - tenant
  - name: refunds
    unit: transaction
    aggregation: count
    dimensions:
      - bank
      - currency
      - tenant
  - name: payouts
    unit: transaction
    aggregation: count
    dimensions:
      - bank
      - rail
      - currency
      - tenant
  - name: ais_consents_active
    unit: consent
    aggregation: max
    dimensions:
      - bank
      - tenant
  - name: ais_requests
    unit: request
    aggregation: count
    dimensions:
      - bank
      - endpoint
      - tenant
discountLanes:
  - name: Volume bands
    description: Transaction unit price decreases as monthly transaction count crosses contractually defined
      bands.
  - name: Charity track
    description: All payment processing fees waived for registered charitable organisations.
  - name: Multi-product bundling
    description: Bundled Payments + Data + VRP contracts attract bundle discounts negotiated per agreement.
costAllocation:
  dimensions:
    - tenant
    - sub-TPP
    - workspace
    - business-unit
  recommended:
    - Use Sub-TPP entities to segregate cost lines for resellers and platform models.
    - Use settlement-account groupings to allocate refund / payout costs to business units.
notes: Token.io invoices monthly in GBP (UK customers) or EUR (EU customers). Exact FOCUS mapping depends on
  the customer's commercial agreement; the above represents the typical structure observed in Token.io's public
  documentation and pricing collateral.