vs
Token.io vs TrueLayer
Token.io covers 21 countries and TrueLayer covers 13; they overlap in 13, with 8 served only by Token.io and 0 only by TrueLayer. Token.io supports 3 payment methods and TrueLayer 4, 3 of them in common. Neither publishes standard pricing — both quote fees per merchant.
Token.io and TrueLayer at a glance
| Token.io | TrueLayer | |
|---|---|---|
| Type | Provider | Provider |
| Headquarters | United Kingdom | United Kingdom |
| Founded | 2015 | 2016 |
| Part of | ||
| Countries covered | 21 | 13 |
| Payment methods | 3 | 4 |
| Currencies | 2 — EUR, GBP | 2 — EUR, GBP |
| Pricing | On request | On request |
| Settlement | Real-time where SEPA Instant or UK Faster Payments applies; funds can be held in Token settlement accounts | Real-time in the UK (Faster Payments); SEPA Instant where the bank supports it |
| Regulators | Financial Conduct Authority, BaFin and Deutsche Bundesbank | Financial Conduct Authority |
| Categories | Bank Transfer, Open Banking, PayTech | Bank Transfer, Open Banking, PayTech |
| Industries | Crypto, Fintech, eCommerce, iGaming | Crypto, Fintech, eCommerce, iGaming |
Countries
13 in common · 8 only Token.io · 0 only TrueLayer
Payment methods
3 in common · 0 only Token.io · 1 only TrueLayer
Only Token.io
None.
Only TrueLayer
Offered by both
Frequently asked questions
What is the difference between Token.io and TrueLayer?
Token.io covers 21 countries and TrueLayer covers 13; they overlap in 13, with 8 served only by Token.io and 0 only by TrueLayer. Token.io supports 3 payment methods and TrueLayer 4, 3 of them in common. Neither publishes standard pricing — both quote fees per merchant.
Which covers more countries, Token.io or TrueLayer?
Token.io has more: Token.io covers 21 countries and TrueLayer covers 13. Only Token.io serves Estonia, Hungary, Latvia, Luxembourg, Norway, Poland and 2 more.
Does Token.io or TrueLayer support more payment methods?
TrueLayer has more: 3 for Token.io against 4 for TrueLayer, with 3 in common. Only TrueLayer offers SEPA.
Is Token.io cheaper than TrueLayer?
Token.io quotes fees per merchant. TrueLayer quotes fees per merchant. Which is cheaper depends on your payment methods, countries, volumes and risk profile, so compare quotes from both for your own mix.
Can you use Token.io and TrueLayer together?
Yes. Many merchants use more than one payment provider — to cover countries or payment methods only one of them offers, or as a backup if one has an outage. A payment orchestration platform can route each payment to whichever provider suits it best.
Related comparisons
Compiled from public sources, information supplied by providers and AI-generated content — always confirm coverage and pricing with each provider. Disclaimer