Updated September 28, 2026 · AffCue Editorial Team
PAYONE vs TF Bank AT
Facts checked September 26, 2026.
Facts checked September 26, 2026.
Where PAYONE and TF Bank AT differ
| Compare |  PAYONE |  TF Bank AT |
|---|---|---|
| Commission terms | up to 125 EUR per sale | 50 EUR per activated card |
| Cookie window | 45 daysHigher | 30 days |
| Payout per sale or signup | €125Higher | €50 |
| Verticals | Banking | Banking, LendingCovers more |
| Payout frequency | monthly via financeAds | Not confirmed |
Same on both: Networks (FinanceAds), Recurring commission (No).
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.
Key differences
- Cookie window is higher at PAYONE: 45 days vs 30 days.
- Payout per sale or signup is higher at PAYONE: €125 vs €50.
- Support channels: only TF Bank AT offers Phone, Help centre.
- PAYONE is available in 1 more country.
- Pricing model: only PAYONE offers CPL.
- Region: only PAYONE offers Europe.
- Region: only TF Bank AT offers Single country.
- Verticals: only TF Bank AT offers Lending.
Our verdict on each
PAYONE
PAYONE is a single-vertical banking programme in europe with a 45 day cookie window, and it suits publishers who already reach finance readers. Handling sits with financeAds, so onboarding and payouts stay in one place. Payouts run monthly through that same network, so statements arrive on a predictable schedule.
TF Bank AT
TF Bank AT is a focused, single-market offer for publishers with card banking or lending audiences, paying a flat CPA on the card activation. The 30 day window matches the common finance figure, so volume depends on how well your traffic fits single country.
How they place
| Ranking | PAYONE | TF Bank AT |
|---|---|---|
| Finance affiliate programs | 65 of 425 | 67 of 425 |
| Banking and fintech programs | 14 of 86 | 15 of 86 |
Winner by area
- PAYONE leads narrowly on cost.
- PAYONE edges TF Bank AT on offer, 1 facts to 0.
Licences and countries
| Country | PAYONE | TF Bank AT |
|---|---|---|
| Region | Europe | Single country |
Available in 1 country for both. Additional countries for PAYONE: 1.
If neither fits
LYNX B.V. Germany Branch has payout per sale or signup at €160, against €125 for PAYONE and €50 for TF Bank AT.
LYNX B.V. Germany Branch reviewEvery fact side by side
| Fact | PAYONE | TF Bank AT |
|---|---|---|
| Pricing model | CPA, CPLCovers more | CPA |
| Features | Not confirmed | Direct, Referral |
| Region | Europe | Single country |
| Legal entity | PAYONE GmbH | Avarda Bank AB |
| Headquarters | Germany | Sweden |
| Support channels | Email, Phone, Help centreCovers more |
Where each stands against the rest
| Fact | PAYONE | TF Bank AT | Median |
|---|---|---|---|
| Cookie window | 45 daysabove the median | 30 daysat the median | 30 days |
| Payout per sale or signup | €125highest quarter | €50at the median | €50 |
Median across 146 listed affiliate programs.
Pros and cons
PAYONE
Pros
- A 45 day window, above the 30 day median for banking programmes, so slow signups still count.
- Payouts are monthly via financeAds, which makes month to month forecasting straightforward.
- Covers europe, so a European finance audience is the natural traffic match.
Cons
- Recurring commission: no, so nothing keeps paying after the first approved sale.
- Support runs on email only, which slows anything urgent.
- Joining runs through financeAds alone, so there is no separate direct route into the programme.
TF Bank AT
Pros
- A clear, easy to price action: 50 EUR per activated card on an activated card, with the model listed as cpa.
- The 30 day window matches the finance median of 30, so the attribution window is not the limiting factor here.
- Both a direct and a referral route are listed in direct and referral, which lets you run paid placements and word of mouth style promotion side by side.
Cons
- There is no recurring commission, so a subscriber who stays for years pays the same as a sign up that lapses after the first month.
- single country coverage means the offer pays only in a single market, and 52.5% shows how common that limit is across the category.
- financeAds lists one network only, so there is no second route to the same offer if your approval terms change.
Who each suits
PAYONE
Who it suits
- Publishers with an existing European finance audience who can send qualified banking signups.
- Sites already running inside financeAds and content with one network to handle tracking.
- Anyone comfortable with a one-off payout per sale rather than an ongoing revenue share.
Who should look elsewhere
- Mintos, whose Hybrid lead and CPA commission suits publishers who want leads and confirmed sales valued in one structure.
- Qonto, where CPA per registration plus KYB bonus is the deal shape that business banking audiences fit better.
- Admitad, whose 5% per sale suits retail and ecommerce traffic rather than banking signups.
TF Bank AT
Who it suits
- Publishers whose audience already applies for cards or short term credit in a single market.
- Media buyers who can pass a 30 day window to their optimisation and price a flat 50 EUR per activated card per activation.
- Sites with room for both a direct offer and a referral mention, since direct and referral covers both.
Who should look elsewhere
- Publishers who need lifetime value from a finance signup, since there is no recurring commission here.
- Anyone chasing a broad, multi country card offer, because single country narrows it to a single market.
- Publishers who want a revenue share or a percentage model, since the model is cpa and Admitad pays a percentage per sale instead.
Country by country
| Country | PAYONE | TF Bank AT |
|---|---|---|
| Germany | Yes | No |
| Austria | Yes | Yes |
Questions about each
PAYONE
How much does PAYONE pay per sale?+
Commission is up to 125 EUR per sale, on a cpa and cpl basis. The model covers both a cost per action and a cost per lead, so the payout follows the type of conversion the programme counts. Nothing recurs after the approval, so each accepted sale is a one-off payment.
How long is the cookie window?+
The window runs 45 days, longer than the 30 day median for banking programmes. Banking signups often follow a long research phase, so the extra cover gives recommendations time to convert instead of expiring.
TF Bank AT
What does TF Bank AT pay per activated card?+
The programme pays 50 EUR per activated card, and the commission model is cpa. That is a flat fee for a single event rather than a share of what the customer goes on to spend or repay. Budget around one payment per activated card, not per month of account life.
How long is the cookie window?+
The attribution window is 30 days, which is the same as the finance median of 30. Across the site the typical window runs from 30 to 60, so this sits in the ordinary middle range rather than at either extreme.