APIs that enable you to build exceptional financial products for your business customers.

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{ "results": [ { "reference": "American Express", "description": "American Express Monthly", "companyId": 1, "bankId": 8, "accountId": “2528414566”, "transactionId": "Trx0138574429475”, "bookingDate": "2020-01-01T12:04:40.704Z", "amount": 4000, "currencyCode": "GBP", "transactionType": "DEBIT" } ] }


Our payments API is built on the faster payment bank rails, and powers instant, cheaper and more secure payments without the administrative burden.

  • Immediate settlement at a significant discount to cards, direct debit and other payment methods
  • Secure authentication through a customer's own bank, reducing the risk of fraud
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tomato pay is an FCA licenced
Authorised Payment Institution

Data aggregation

Through Open Banking, your customers can connect their bank accounts, along with their accounting and payments software and get a clear and holistic view of their finances.

  • Aggregate banking and payments data
  • Categorised transactions provide timely, and valuable insights into spending habits
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Cash flow profiles

The core of our innovation lies in our ability to analyse your customer’s aggregated financial data, and enhance it with machine intelligence.

  • Cash flow forecasts including cash balances, categories and transactions
  • Proprietary credit risk model for lending
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Deliver the right product, to the right SME, at the right time, with the right insight. Effectively engage, prioritise and convert customers, saving everyone significant time and money.

  • Cross-sell products
  • Empower RMs by prioritising clients
  • Estimate potential reach
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Built with businesses in mind

tomato pay API
  • cURL
  • PHP
  • NodeJs
  • Python
  • Java
  • Ruby
  • C#
Select a language
curl -X GET \
     https://apis.tomatopay.co.uk/banking/{bankId}/accounts \
     -H 'Authorization: Bearer ...' \
     -H 'X-Api-Key: Your API key' \
     -H 'X-Partner-Id: Your Partner ID' \


Our infrastructure is highly scalable and built from the ground up for security and velocity.

Security first

Data is at the heart of everything we do. We are trusted by financial institutions all over Europe. More about security

We’re regulated

tomato pay is authorised and regulated by the FCA and ICO.

Powering tomato pay

tomato pay is a FCA-regulated, secure payments app. It is built on the tomato pay banking and payment APIs. tomato pay is a brand owned and operated by Fractal Labs Ltd.

You can read the tomato pay's AIS T&Cs here, PIS T&Cs here, and our Privacy Policy here.