Go to checkout
Pay by Bank
Select bank
Authenticate
Payment processed
Payment blocked
No ‘black box’ in sight
Risk Signals is a fully customisable suite of risk checks and rules built to monitor and manage account-to-account payment risk.
Account Data
Verify account holder information, check the account status, identify suspicious activity, and more
Live balances
Verify a user’s ability to pay with real-time balance information including their overdraft, credit lines, and pre-booked orders
Transaction history
Assess risk based on recent transactions, chargeback history, and previous non-settled payments
Velocity checks
Prevent high-velocity attacks with a flexible set of rules based on the volume of transactions, number of transactions, and transaction amount
Tink platform data
Leverage the strength of the Tink network with risk decisions informed by past payment attempts across other apps on the Tink platform
How Risk Signals can help you
Explore our different use cases to see how Tink supports your industry.
Payment platforms
Offer an instant payment confirmation on account-to-account transactions to your merchants with none of the settlement risk.
Ecommerce
Offer the ultimate checkout experience with instant bank payments – while keeping fraud and chargebacks to a minimum.
iGaming
Level up the player experience by crediting accounts immediately, letting users onboard faster without the risk of non-settlement.
Wealth management
Stand out from the competition by cutting wait times down from days to seconds, ensuring a faster, better investor experience.
Let the numbers tell the difference
7
unique sets of risk checks designed for account-to-account payments
1000s
of possible risk profiles, configurable per market and per bank
1 week
average implementation time to date
For industry leaders
“We are delighted to bring Tink’s solutions to Revolut. Our partnership with Tink will enable Revolut to expand our open banking services across new markets in a fast and sustainable way.”
Ivan Chalov
Head of Retail at Revolut
“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
Fully-managed end-user authentication
Authenticate millions of end-users across Europe through a link
All translations, local nuances and compliance taken care of
Flows are constantly improved based on data and testing
Customisable colours and fonts to match your brand guidelines
Tink Link
Fully-managed end-user authentication
Authenticate millions of end-users across Europe through a link
All translations, local nuances and compliance taken care of
Flows are constantly improved based on data and testing
Customisable colours and fonts to match your brand guidelines
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.
Related reading
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.
How to reduce fraud in loan applications with enhanced risk decisioning
Beat the challenge of fraud in lending with actionable tools, from risk decisioning to authentication solutions with Tink – while getting closer to inclusive loan origination.
Market coverage
Click on the flags to explore each country’s 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.
