---
title: API Platform
---

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[Get Started](http://tomatopay.app.link/W0BW7m9cuhb) [Consumer Waitlist](https://www.tomatopay.co.uk/consumer?hsLang=en) [Security](https://www.tomatopay.co.uk/security?hsLang=en) [Pricing](https://www.tomatopay.co.uk/?hsLang=en#subscription-pricing) [Partner Ecosystem](https://www.tomatopay.co.uk/ecosystem?hsLang=en) [APIs](https://www.tomatopay.co.uk/platform?hsLang=en) [API Docs](https://docs.tomatopay.co.uk/) [Blog](https://blog.tomatopay.co.uk?hsLang=en) [Newsroom](https://www.tomatopay.co.uk/newsroom?hsLang=en) [Help Centre](https://help.tomatopay.co.uk/en/) [About](https://www.tomatopay.co.uk/about-us?hsLang=en) [Let's Talk](https://www.tomatopay.co.uk/contact?hsLang=en)

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

[Let's chat](https://www.tomatopay.co.uk/contact?hsLang=en)

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

### Payments

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

[Let's chat](https://www.tomatopay.co.uk/contact?hsLang=en)

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

[Let's chat](https://www.tomatopay.co.uk/contact?hsLang=en)

### 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

[Let's chat](https://www.tomatopay.co.uk/contact?hsLang=en)

![](https://www.tomatopay.co.uk/hubfs/AskFractal_May2018/Images/intelligence.png)

### Targeting

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

[Let's chat](https://www.tomatopay.co.uk/contact?hsLang=en)

### Built with businesses in mind

tomato pay API

cURL

- 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' \\

#### Reliability

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 securityWe invest heavily in securing our infrastructure with world-class security experts, which is highly scalable, and built from the ground up for security and velocity. We handle personal, private, and financial data so that we can give our end users a tailored, exceptional experience when managing their finances. Our product has gone through bank-grade security tests (F-Secure), and the company is well-versed with GDPR so that tomato pay exceeds industry standards for 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](https://www.tomatopay.co.uk/ais-terms-and-conditions?hsLang=en), PIS T&Cs [here](https://www.tomatopay.co.uk/pis-terms-and-conditions?hsLang=en), and our Privacy Policy [here](https://www.tomatopay.co.uk/privacy-policy?hsLang=en).

[![tomato pay](https://www.tomatopay.co.uk/hubfs/images/tp-footer-logo.svg)](https://www.tomatopay.co.uk?hsLang=en)

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##### Business

- [Business App](https://www.tomatopay.co.uk?hsLang=en)
- [Business Guide](https://www.tomatopay.co.uk/guide?hsLang=en)
- [Security](https://www.tomatopay.co.uk/security?hsLang=en)
- [Pricing](https://www.tomatopay.co.uk/?hsLang=en#subscription-pricing)
- [Get Started](http://tomatopay.app.link/W0BW7m9cuhb)

##### Enterprise

- [Partner Ecosystem](https://www.tomatopay.co.uk/ecosystem?hsLang=en)
- [API Platform](https://www.tomatopay.co.uk/platform?hsLang=en)
- [API Docs](https://docs.tomatopay.co.uk/)
- [API Status](https://www.api.expert/industry/openbankingukproduction)
- [Let's talk](https://www.tomatopay.co.uk/contact?hsLang=en)

##### Who are we?

- [About us](https://www.tomatopay.co.uk/about-us?hsLang=en)
- [Careers](https://www.tomatopay.co.uk/careers?hsLang=en)
- [Blog](https://blog.tomatopay.co.uk?hsLang=en)
- [Newsroom](https://www.tomatopay.co.uk/newsroom?hsLang=en)

##### More Information

- [Help Centre](https://help.tomatopay.co.uk/en/)
- [Consumer Waitlist](https://www.tomatopay.co.uk/sign-up?hsLang=en)

---

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[Privacy Policy](https://www.tomatopay.co.uk/legal/privacy_policy?hsLang=en) | [AIS Terms of Use](https://www.tomatopay.co.uk/ais_terms_of_use?hsLang=en) | [PIS Terms of Use](https://www.tomatopay.co.uk/pis_terms_of_use?hsLang=en)

Email: [info@tomatopay.co.uk](mailto:info@tomatopay.co.uk)  
Job enquiries: [jobs@tomatopay.co.uk](mailto:jobs@tomatopay.co.uk)  
Address: 2 Underwood Row, London, N1 7LQ

Copyright © 2026 tomato pay. All rights reserved.  
tomato pay is a brand owned and operated by Fractal Labs Ltd.   
Fractal Labs Ltd is authorised by the Financial Conduct Authority (FRN 813019).  
Fractal Labs Ltd is registered with the Information Commissioner's Office.