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.
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
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.
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.
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{
"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"
}
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.
Grow across Europe with a platform built for scale
18
countries across Europe
6,000+
Connections to all major banks across Europe
1bn+
monthly API calls
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.