TOBL - The Open Banking Loop

Our Mission

Creating Direct Connections

At TOBL, we help merchants develop deeper, more direct connections with their customers through open banking payments, loyalty and data analytics. We can do this because the world of payments has changed. Open Banking means customers can pay merchants instantly from their bank account without the need for Visa, Mastercard and expensive middle-men.

Open Banking Payments: TOBL allows merchants take payments by simply scanning a QR code, saving up to 80% on current payment fees in the process, as well as receiving payment instantly into their business bank account.
Digital Loyalty Solutions: We create bespoke digital loyalty programs, digitise stamp based incentives, or simply provide low-touch payments integration with your existing loyalty solution.
Customer Data Analytics: Through analysis of customer spending behaviour across all merchants TOBL helps businesses develop tailored marketing campaigns to drive a greater share of wallet.

Key Features

The Changing Face of Payments

The way customers can pay, and how merchants get paid, has changed. Decades of Visa, Mastercard and multiple middle-men have created trillions of pounds, euros and dollars for the businesses that sat between a merchant and their own customer. Who paid for this? The merchant.

Open banking, which is now regulated and mandated in the UK, Europe and beyond has provided a better alternative by allowing instant transfers from a customer's bank account directly into the business account of the merchant. TOBL technology allows businesses to accept payments in this better way, building a better customer experience around it.

Directly connecting merchants & customers: Eliminate the need for expensive intermediaries with instant bank account to bank account payments across the UK & Europe.
Integrating loyalty & payments for a better customer experience: Simplify the checkout experience by rewarding the customer through your loyalty program as well as taking payment at the same time, in one transaction.
Spend Behaviour Analytics: Develop a deeper customer relationship by understanding what they need and when they need it using TOBL spend analytics.
Secure, licensed and regulated payments: TOBL is a UK registered company and, through our partnerships, are regulated and approved to provide Open Banking payments in the UK and across Europe.

Bank Grade Double Security

TOBL payments is built on top of existing online banking security, meaning payments can only be made once a customer has registered through their own banking app. All payments are pre-approved by the customer through push notifications for each transaction. All this security while simultaneously simplifying the experience for both the customer and the merchant.

Phone number verification

Pin code

Face recognition

Fingerprint scanner