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Account Receivables & Payment Relationship Management platform for Latin American enterprises
HQ: Providencia, Santiago, Chile | Founded: 2020 | Employees: 280+ | Stage: Series A | Website: https://trytoku.com
Toku is a Chilean fintech company that created Payment Relationship Management (PRM), a new software category that automates the entire financial relationship between businesses and their customers—from first charge to reconciliation. The platform connects enterprise ERPs with banks and payment rails, enabling automated collections via cards, direct debit, bank transfers, and Pix. Toku's AI-driven platform reduces delinquency by 2-5 percentage points within 30 days and boosts automated payment adoption from 10% to 90%. Operating across Chile, Mexico, and Brazil, Toku serves 575+ enterprise clients including MetLife, Chevrolet, Mapfre, Zurich, Liverpool, and Santander. In 2024, the company doubled revenue, tripled TPV, and achieved 160% net dollar retention.
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