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Tink for payments

Seamless payment experiences, powered by open banking

Accept low-cost bank payments and move money across Europe with customisable, high-performing flows designed to help you capture and retain more revenue.

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Lemonway logo
Amex logo
Lydia logo
PayPal logo
Tribe payments

Boost payment acceptance

Accept payments from anyone with a bank account across 18 European countries with one integration. Nobody can match the breadth and depth of our coverage.

Optimise your revenue

Minimise costs and operational overhead by offering direct bank payments with fewer intermediaries, lower rates, and reduced fraud.

Improve conversion

Build a fully embedded flow from onboarding to checkout, letting customers authenticate and pay in a few clicks without leaving your service.

Integrate and scale easily

One API, a fully integrated suite of payment products. Use our libraries and SDKs to test and launch fast, and add new markets at the flick of a switch.

It’s time to rethink payments

The traditional payments landscape is complex and fragmented. Open banking payments are account-to-account, meaning no middlemen or unnecessary fees.

Simple, fast, and low-cost
Open banking lets you initiate direct payments within any service and own your customer journey end-to-end. No fraud, no chargebacks, and none of the usual fees.

Ever-improving conversion
Open banking journeys are improving rapidly across Europe. With zero data entry and fewer redirects, it’s already the most frictionless way to pay online in some countries.

It’s time to rethink payments
It’s time to rethink payments

It’s time to rethink payments

The traditional payments landscape is complex and fragmented. Open banking payments are account-to-account, meaning no middlemen or unnecessary fees.

Simple, fast, and low-cost
Open banking lets you initiate direct payments within any service and own your customer journey end-to-end. No fraud, no chargebacks, and none of the usual fees.

Ever-improving conversion
Open banking journeys are improving rapidly across Europe. With zero data entry and fewer redirects, it’s already the most frictionless way to pay online in some countries.

What you get with Tink

Industry-leading volumes

3 million payments initiated every month – and counting.

Best-in-class conversion

80%+ average end-to-end success rate

Connectivity that performs

1.1 billion account refreshes per month, with 99.9% uptime.

Add next-generation payments to any app or service

From PSPs and platforms to ecommerce businesses, we support almost any payments use case with a complete stack of tools to accept payments, onboard customers, and simplify risk and operations — all powered by open banking.

Payment providers

Create your own open banking-powered payments service to enable better user experiences for your customers, from onboarding to checkout and payouts.

Platforms and marketplaces

Embed open banking flows into your platform to simplify account verification and onboarding, and facilitate payments across Europe through one simple integration.

Ecommerce businesses

Boost checkout conversion and reduce costs by offering your own fully white-label payment method, letting customers pay in a few taps without leaving your service.

The most cost-effective way to accept payments online

Offer secure, low-cost payments with all the features you need, across any channel, powered by bank connections that perform at scale.

Reduce costs

Initiate low-cost payments on banks’ existing rails, significantly lowering payment fees and operational complexity.

Maximise acceptance

Accept payments from anyone with a bank account, anywhere in Europe. We’ve built connections to over 90% of banks in key markets, and won’t stop until our coverage is universal.

Minimise fraud

Bank-grade authentication flows ensure the highest possible security standards, now and forever, with minimal fraud exposure and no chargebacks.

What does connecting to banks really mean?

Increase sales with a better payment experience

Create a fully embedded, high-performing payments experience that lets users pay without leaving your service. No lengthy forms, no manual data entry, no clunky redirects.

Keep customers engaged

Payment initiation lets users pay in as little as a couple clicks, using their fingerprint or Face ID, minimising drop-off from excessive redirects or having to enter card details.

Customise the experience

We don’t believe in a one-size-fits-all approach and we’re not a consumer-branded scheme. You can customise the entire flow to fit your brand and preferred user journey.

Increase conversion

With over 1bn monthly API calls, we continually monitor and test our flows with thousands of banks to help increase conversion and uptime at every level of the payments stack.

How Kivra built Sweden’s easiest way to pay invoices

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

1
Select payment date
2
Select a bank
3
Select source account
4
Execute payment
Request
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

Solutions across the payment journey

Onboarding

Merchant account verification
Instantly verify account ownership

Direct debit setup
Autofill account details and check balances

Payout setup
Automatically verify and update details

Payments

One-time payments
Account-to-account payment initiation

Payment collections
Notifications, settlement and reconciliation

Refunds, payouts, and fee splits
Full or partial refunds and complex flows

Risk and operations

Merchant cash advance
Adapt repayments to cash flow in real time

Income and identity verification
Programatically check income and identity

Balance checks
Perform instant, real time balance checks

One API, a fully integrated suite of payments products

Easily integrate with the Tink platform and expand across Europe at the click of a button.

Integrate with a single line of code

Use our suite of tools, SDKs, and resources to integrate fast, with one integration connecting you to 3,400+ banks across 18 countries in Europe.

Add new markets with no extra work

Authenticate millions of end-users across Europe through a link, with all localisation and compliance taken care of.

Test, launch, and iterate faster

Configure, customise, and manage your flows all within the Tink Console, with real-time usage and performance reports.

Tink API

Grow across Europe with a platform built for scale

18

countries across Europe

3,400+

connected banks and financial institutions

1bn+

monthly API calls