Payment Initiation

Create seamless digital journeys with low-cost bank payments and prebuilt, customisable flows designed to maximise conversion.

Keep users engaged

Add a fully embedded payments experience that lets your users authenticate and pay without leaving your service.

Optimise conversion

Our flows are designed to improve conversion and are continuously tested with thousands of banks across Europe.

Minimise costs

Use open banking to accept payments at a lower cost versus cards, invoices, and alternative payment methods.

How Kivra is using Payment Initiation

Handling over 3 million invoices every month, Kivra uses Tink to let its users pay with their bank account in just a few taps.

Select payment date
Select a bank
Select source account
Execute payment
1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 { "amount": 7546, "currency": "SEK", "destinations": [ { "accountNumber": "528-48432", "type": "se-bg" } ], "executionDate": “2020-06-08”, "market": "SE", "recipientName": "Building society Vasagatan", "remittanceInformation": { "type": "OCR", "value": "1455297802" }, "sourceMessage": "Rent" }
Payment Initiation step 1

Why Tink


payments per month

< 45 secs

payment duration


lower fees vs cards



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


banks and financial institutions


countries across Europe

Tink API

Tink Console

Your portal to the Tink platform

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.

What does connecting to banks really mean?


Easy-to-follow guides, API reference and sample projects

Payment Initiation doc 1

Introduction to Payment Initiation

Tink’s Payment Initiation product lets end-users safely authenticate and initiate payments and transfers from their bank account.

Payment Initiation doc 2

Initiate your first payment

This article will show you how to use Tink Link to initiate a payment in your browser.

Payment Initiation doc 3

Payment Initiation flow overview

Learn about the different ways you can configure and customise your Payment Initiation flow.

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.

Contact our team to learn more about our premium solutions or create a free account to get started right away.