Accept low-cost bank payments and move money across Europe with customisable, high-performing flows designed to help you capture and retain more revenue.
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.
Minimise costs and operational overhead by offering direct bank payments with fewer intermediaries, lower rates, and reduced fraud.
Build a fully embedded flow from onboarding to checkout, letting customers authenticate and pay in a few clicks without leaving your service.
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.
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.
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
3 million payments initiated every month – and counting.
80%+ average end-to-end success rate
1.1 billion account refreshes per month, with 99.9% uptime.
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.
Create your own open banking-powered payments service to enable better user experiences for your customers, from onboarding to checkout and payouts.
Embed open banking flows into your platform to simplify account verification and onboarding, and facilitate payments across Europe through one simple integration.
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.
Offer secure, low-cost payments with all the features you need, across any channel, powered by bank connections that perform at scale.
Initiate low-cost payments on banks’ existing rails, significantly lowering payment fees and operational complexity.
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.
Bank-grade authentication flows ensure the highest possible security standards, now and forever, with minimal fraud exposure and no chargebacks.
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.
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.
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.
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.
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"
}
Merchant account verification
Instantly verify account ownership
Direct debit setup
Autofill account details and check balances
Payout setup
Automatically verify and update details
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
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
Easily integrate with the Tink platform and expand across Europe at the click of a button.
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.
Authenticate millions of end-users across Europe through a link, with all localisation and compliance taken care of.
Configure, customise, and manage your flows all within the Tink Console, with real-time usage and performance reports.
countries across Europe
connected banks and financial institutions
monthly API calls