TokuNot yet claimed

About Toku

Toku is a Santiago-based fintech whose software helps mid-market and enterprise companies collect recurring payments across Latin America. Its platform connects a client’s ERP system to banks and payment rails, then orchestrates the whole collection cycle: customisable payment portals for customers, automated reconciliation, and collection strategies and communications designed to reduce delinquency — a chronic cost in markets where manual, inefficient collection processes are common. The company frames the category as Payment Relationship Management, treating the payment relationship with a customer as a managed, measurable process rather than back-office plumbing. Its current site also offers conversational AI agents that attend, collect and resolve customer payment queries.

Founded in 2020, Toku reported more than 450 enterprise customers at its Series A announcement, in sectors including insurance, credit, education, real estate and utilities, with named customers including Chevrolet, Mapfre, Liverpool and MetLife, and more than 150 employees across Latin America. It said revenue more than doubled and payment volume tripled in 2024, with net dollar retention of 160%. In April 2025 it raised a US$48 million Series A led by Oak HC/FT, with Gradient Ventures, F-Prime, Clocktower, Y Combinator and Honey Island participating, to accelerate product development and go-to-market across Mexico, Brazil and Chile.

Products & services

• Payment orchestration — connection of ERP systems to banks and payment rails, routing recurring collections across methods and markets.
• Automated collections — collection strategies, customer communications and automated reconciliation across the payment cycle.
• Customer payment portals — customisable portals through which a client’s customers pay recurring charges.
• Conversational AI agents — agents that attend to customers, collect payments and resolve payment queries (per the company’s current site).

Why Toku is listed: Its Series A was led by a US firm and its customers include the Latin American arms of global insurers and car brands — Toku is the collections layer North American companies already touch indirectly across the region, and US fintech investors are its most natural next partners.

How AI assistants describe Toku today

Questions partners ask

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Last verified	31 October 2026 — facts on this profile were checked against the sources listed below. Profiles are re-checked on a published 90-day cycle; this date is never quietly refreshed.

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3 questions to ask this company

1. Your announcement totals US$55M raised while other coverage sums to about US$65M including the 2024 round — which figure should partners use?
2. Mexico, Brazil and Chile are the focus markets — which of the three now drives the most payment volume, and why?
3. Conversational AI agents are now on your homepage — are collections agents live with enterprise clients, and how is their performance measured?

Sources & verification

• Company website — https://trytoku.com/ (payment orchestration, conversational AI agents, Santiago address in Las Condes). Checked 31 Oct 2026.
• Series A coverage — https://www.pymnts.com/accounts-receivable/2025/toku-raises-48-million-to-expand-ar-automation-platform-in-latin-america (US$48M Series A led by Oak HC/FT, founded 2020, 450+ enterprises). Checked 31 Oct 2026.
• Customer, employee and growth figures are company-reported in the April 2025 announcement coverage; total-funding figures differ across sources as noted on this profile.

Facts last verified: 31 October 2026. Something wrong? A listed company can request a correction or removal at any time; verified requests are actioned.

Related companies

More in fintech & cross-border finance: Xflow (cross-border payments, India) · CapitalOS (embedded finance infrastructure, United States) · dtcpay (stablecoin payments, Singapore)

More from Chile: Buk (HR management platform, Chile) · Reuse (electronics trade-in infrastructure, Chile)

Country guides: GlobleMatch’s country guides do not cover Chile yet; when a guide is published, it will list the companies from Chile in this directory.