Token Open Banking vs PayControl

The Token app allows you to control your bank-direct payments and financial permissions from one single place. CREATE IDENTITY Create your Token alias. LINK BANK ACCOUNTS Link bank accounts with your new Token identity. MAKE BANK DIRECT PAYMENTS You can now use any of your linked bank accounts as your source of payments. SHARE ACCOUNT INFORMATION Grant permissions to your trusted third parties to securely access your banking information (account balance and transaction history). REMAIN IN CONTROL The Token app uses two-factor authorization for transactions over €30 and to grant permissions - this way, you can be sure you remain in control of your accounts. Moreover, it allows you to manage all your permissions, transactions, and accounts from one place. TRY IT OUT The Token app gives you full control over who is allowed to charge your bank account and see your account information, while making it safer and easier to move money. Token is compliant with the PSD2 regulation in Europe.

PayControl is not only easy-to-use, but also secure. No more hardware solutions, such as hardware tokens, OTP-generators or scratch-cards, are required to generate a digital signature. Thanks to mobile e-signature that is generated to confirm each operation does not allow to change operation details. PayControl does not use SMS or PUSH-notifications, that can be easily intercepted. Advantages: • Any transaction or document appears right in a smartphone; • No dependence on mobile operator service or SMS delivery time; • Availability to use the app in off-line mode even in roaming or airplane mode. • Unauthorized access risk protection even in case of device loss; • Full transaction details appear on your screen right before signing; • PayControl does not use SMS and PUSH-codes, that can be intercepted.