specification: API Commons Plans
specificationVersion: '0.1'
schema: https://raw.githubusercontent.com/api-evangelist/interface-research/main/schema/api-commons.yml#/$defs/Plans
provider: Token.io
providerId: token-io
created: '2026-05-25'
modified: '2026-05-25'
reconciled: false
tags:
  - Open Banking
  - Payments
  - AIS
  - VRP
description: 'Plans and pricing structure for Token.io. Token.io does not publish public per-transaction pricing
  on its website; commercial terms are negotiated per-customer based on transaction volume, mix of products
  (Payments, Data/AIS, VRP), and contract length. The plans below describe the publicly documented sales tracks
  and the special charity track. Contact sales for exact rates.'
sources:
  - https://token.io/contact/pricing
  - https://token.io/blog/flattening-the-cost-curve-with-open-banking
  - https://token.io/faq
plans:
  - id: token-io-sandbox
    name: Sandbox / Developer
    type: free
    description: Free sandbox access via dashboard.sandbox.token.io for development and integration testing.
      Includes test bank coverage, JWT key management, and full API surface against mocked / sandbox bank
      backends. No production payment processing.
    entries:
      - label: Sandbox API access
        name: sandbox_access
        type: free
        metric: requests
        limit: -1
        timeFrame: monthly
        geo: global
        unit: 1
        price: '0.00'
        userMultiplied: false
      - label: Test bank coverage
        name: sandbox_banks
        type: free
        metric: feature
        limit: -1
        timeFrame: monthly
        geo: global
        unit: 1
        price: '0.00'
        userMultiplied: false
  - id: token-io-commercial-payments
    name: Commercial — Payments
    type: usage-based
    description: Production access to Payments v2, VRP, Refunds, Payouts, Pay by Link, and Settlement Accounts.
      Per-transaction pricing negotiated with sales based on volume bands and contract length.
    entries:
      - label: Payment initiations (volume-banded)
        name: payment_initiations
        type: metered
        metric: transactions
        limit: -1
        timeFrame: usage
        geo: EU+UK
        unit: 1
        price: 'contact-sales'
        userMultiplied: false
      - label: VRP payments (volume-banded)
        name: vrp_payments
        type: metered
        metric: transactions
        limit: -1
        timeFrame: usage
        geo: EU+UK
        unit: 1
        price: 'contact-sales'
        userMultiplied: false
      - label: Refunds
        name: refunds
        type: metered
        metric: transactions
        limit: -1
        timeFrame: usage
        geo: EU+UK
        unit: 1
        price: 'contact-sales'
        userMultiplied: false
      - label: Payouts
        name: payouts
        type: metered
        metric: transactions
        limit: -1
        timeFrame: usage
        geo: EU+UK
        unit: 1
        price: 'contact-sales'
        userMultiplied: false
  - id: token-io-commercial-data
    name: Commercial — Data (AIS)
    type: usage-based
    description: Production access to Account Information Services (AIS) endpoints — accounts, balances,
      transactions, standing orders. Pricing based on active consents and request volume.
    entries:
      - label: AIS active consents
        name: ais_consents
        type: metered
        metric: consents
        limit: -1
        timeFrame: monthly
        geo: EU+UK
        unit: 1
        price: 'contact-sales'
        userMultiplied: false
      - label: AIS API requests
        name: ais_requests
        type: metered
        metric: requests
        limit: -1
        timeFrame: monthly
        geo: EU+UK
        unit: 1
        price: 'contact-sales'
        userMultiplied: false
  - id: token-io-charity
    name: Charity Track
    type: free
    description: Token.io waives all payment fees for registered charitable organisations receiving donations
      via Open Banking A2A payments. Available to existing and new charity customers.
    entries:
      - label: Payment processing fees
        name: charity_payments
        type: free
        metric: transactions
        limit: -1
        timeFrame: usage
        geo: EU+UK
        unit: 1
        price: '0.00'
        userMultiplied: false