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How Kivra is using Payments
Kivra is one of Europe’s leading consumer apps for bills and invoices and uses Tink to process 4 million payments per month, all in-app and powered by open banking.
How Kivra is using Payments
Kivra is one of Europe’s leading consumer apps for bills and invoices and uses Tink to process 4 million payments per month, all in-app and powered by open banking.
How Kivra is using Payments
Kivra is one of Europe’s leading consumer apps for bills and invoices and uses Tink to process 4 million payments per month, all in-app and powered by open banking.
How can Payments help you?
Explore some of our different use cases to see how Tink supports your industry.
Billing and invoicing
Make paying bills painless with fast, simple bank payments that can be embedded anywhere – in-app, online or as a QR code.
Ecommerce
Offer the ultimate checkout experience with Pay by Bank – instant payments and refunds, fraud and chargebacks kept to a minimum.
Finance and investing
Stand out from the competition by cutting wait times down from days to seconds, ensuring a faster, better investor experience.
iGaming
Level up the player experience with faster onboarding, instant deposits, and real-time cash-outs on demand.
Why Tink?
< 40 seconds
average end-to-end payment journey, platform-wide
80-90%
average payment completion rate on the Tink platform
up to 80%
reduction in payment-related costs by using open banking
For industry leaders
“Our aim is to always innovate to meet consumer needs by providing a breadth of convenient, fast, and secure payment options. Partnering with Tink for open banking is the latest way we have evolved our technology to deliver on this goal.”
Edgar Verschuur
Head of Global Acquiring at Adyen
“By teaming up with Tink, we aim to give Lydia’s users the best possible experience and allow them to easily manage their financial daily lives within our app.”
Cyril Chiche
co-founder and CEO of Lydia
“We’re very pleased to partner with Tink, the leading player in account-to-account payments. Today we handle hundreds of millions of invoices annually for customers in the Nordics. Open banking lets us expand our offering to now also include simple, compliant, and user-friendly payment solutions integrated in our existing channels.”
Mattias Norén
Head of Strategy at PostNord Strålfors
Meet the Tink platform
An ever-expanding suite of tools, SDKs, resources and guides developers use to build great products.
Tink API
One integration connects you to
6,000+
Connections to all major banks across Europe
18
countries across Europe
Tink Link SDK
Fully-managed end-user authentication
Authenticate millions of end-users across Europe through a link
All translations, local nuances and compliance taken care of
Customisable colours and fonts to match your brand guidelines
Flows are constantly improved based on data and testing
Tink Link SDK
Fully-managed end-user authentication
Authenticate millions of end-users across Europe through a link
All translations, local nuances and compliance taken care of
Customisable colours and fonts to match your brand guidelines
Flows are constantly improved based on data and testing
Tink Console - your open banking control panel
Easily tap into the world of open banking with the Tink Console – an intuitive developer interface that lets you access financial data and configure, customise, and manage your applications.
‘Best Developer Dashboard’
DevPortal awarded Tink as ‘Best Developer Dashboard’ for providing a great developer experience.
Setup and configuration
Configure, customise, manage, and deploy access to the financial data powering your apps.
Usage reports
Get real-time usage and performance reports without the need for a third-party solution.
Team roles
Give the right level of access to team members within your organisation.
Explore the full range of products through Tink Console, using test bank data for the complete testing experience. Dive into guides, resources and sample projects below to help you get up and running with your account.
Documentation
Easy-to-follow guides, API reference and sample projects
Introduction to Payments
Tink’s Payments product lets end-users safely authenticate and initiate payments and transfers from their bank account.
Payment flow overview
Learn about the different ways you can configure and customise your payments flow.
Payment Initiation flow overview
Learn about the different ways you can configure and customise your Payment Initiation flow.
Payments related articles
What’s a good Pay by Bank conversion rate?
Comparing Pay by Bank conversion rates across different payment methods can be tricky since most don’t use an end-to-end metric. See Tink’s own benchmarks and how we track performance in this conversion rate deep-dive.
The key to picking an open banking payments partner: bank coverage
The key to picking the right partner for open banking payments is connectivity. Bank on better coverage to help you scale in the best possible way.
Tink and Zervant partner for faster invoice payments
Tink and Zervant have partnered up to enable open banking payments for invoicing for over 100,000 SMEs.
Market coverage
Click a country to explore its connection capabilities:
When will my country be covered?
We’re always looking to improve and expand our services. If you’d like to use this product outside of our current coverage please contact us.
Get started with Tink
Contact our team to learn more about what we can help you build – or create an account to get started right away.
