Toku

Overview: What Toku Is and Who It Is For

Toku is a Latin American payments and collections platform built to help mid market and enterprise merchants increase successful collections, lower operating costs, and give customers a smoother way to pay. The company focuses on businesses managing recurring revenue and high volume invoicing, with operations in Chile, Mexico, and Brazil and a customer base that now exceeds 450 companies across industries like insurance, credit, education, real estate, utilities, telecom, and memberships.

Core Value: Collect More with Payment Orchestration

At the heart of Toku is payment orchestration. When a payment attempt fails, Toku can automatically route the transaction to alternative gateways and processors in real time. This increases the chance of a successful authorization, reduces technical declines, and recovers revenue that would otherwise be lost. Toku describes measurable lifts in total collections from this approach, with the platform designed to maximize conversion while minimizing effort for finance teams.

Local rails and method breadth

Toku supports a broad set of local payment options so you can meet customers where they are. In Mexico this includes cards, bank transfers via SPEI, cash payments through popular retail chains like OXXO and 7 Eleven, and bank account domiciliation for recurring charges. The platform centralizes these methods behind a single integration and provides automatic reconciliation once funds land.

Direct debit and automatic payments

If you operate in Chile, Toku supports fully online enrollment for automatic payments via PAC and PAT, letting customers authorize bank or card debits in seconds. That reduces friction at signup and locks in reliable, predictable collection cycles.

Customer Experience: a Branded Portal with No Redirects

Toku’s Payment Portal lets customers see invoices, pay quickly, manage saved methods, and enroll in automatic payments, all in a white labeled experience that uses your brand’s logo and colors. The portal can be embedded into your site so customers are not redirected to external pages, which helps keep trust high and drop off low.

Dunning Done Right: Omnichannel, Automated, and Compliant

Recovering late payments is easier when reminders reach customers on the channel they prefer. Toku’s Intelligent Messaging automates reminders via WhatsApp, SMS, and email. An algorithm selects the best channel and sequence based on interaction history, you can customize copy and links to the payment portal, and you get real time reporting on opens, clicks, and payments triggered. The product is designed with legal and privacy compliance in mind, including guardrails on frequency and timing.

Visibility and Reconciliation For Finance Teams

For controllers and collections managers, Toku consolidates all payment activity in one place with real time visibility and exports in the formats your team needs. The platform emphasizes full reconciliation of payments, detailed reporting, and a unified console for omnichannel outreach. That means fewer manual tasks and faster close.

Integrations and Implementation Options

You can connect Toku to your stack the way that works best for your team. Options include REST APIs and event webhooks for real time sync, secure SFTP for scheduled batch files, simple file based flows without development, and native integrations with major ERPs and CRMs such as Oracle and SAP. Toku’s documentation and engineering support are geared to help you go live quickly, with the company stating typical integrations can be completed in a matter of weeks depending on complexity.

Security and Compliance

Handling payments means handling sensitive data. Toku highlights PCI DSS Level 1 certification and a security posture designed for enterprise requirements. The company’s pages repeatedly reference adherence to the highest standards of cybersecurity in payments, with a dedicated Trust Center and visible PCI indicators across regional sites.

Country Specific Capabilities That Matter

Mexico. Beyond method coverage, Toku offers CLABE Account Validation to verify that a customer’s bank account belongs to the actual payer and is active. The process is certified with Banxico, can run without a full integration, completes in minutes, and returns key data like name, RFC, and bank. Companies use it to eliminate account related fraud and to speed claims and payouts.

Chile. The platform emphasizes seamless PAC and PAT enrollment, high acceptance rates for card payments, and a one step onboarding experience tailored to industries like insurance, education, and utilities.

Who Uses Toku

Toku’s footprint spans mid market and enterprise organizations across multiple verticals, including insurers modernizing policy premium collection, education providers managing tuition, real estate and property managers collecting rent and fees, telecoms handling monthly bills, utilities, and membership businesses. Public materials also note expansion and funding to scale products in Mexico, Brazil, and Chile, supported by investors like Oak HC/FT, F Prime, Gradient, and others.

Why Merchants Choose Toku

• Higher collection rates. Orchestration and intelligent retries route transactions to working gateways and rails.

• Lower operating cost. Centralized methods and automated reconciliation reduce manual work for finance and support teams.

• Better customer experience. A branded, no redirect portal and automated reminders reduce friction and churn.

• Faster time to value. Multiple integration paths, from APIs and webhooks to SFTP and file based onboarding, help teams ship quickly.

• Enterprise grade security. PCI DSS Level 1 and a security first approach protect sensitive data.

Conclusion

Toku brings together local payment rails, a white labeled portal, intelligent messaging, and robust integrations to help Latin American merchants collect more with less effort. If your business runs on recurring revenue or high volume invoicing, and you need a single platform for orchestration, reconciliation, and outreach, Toku is purpose built for that job.