Toku alternatives

Toku, headquartered in Santiago and founded in 2020, offers Payment Relationship Management for Latin American enterprises: payment orchestration and automated collections that connect a company's ERP to banks and payment rails. It serves mid-market and enterprise companies in Chile, Mexico and Brazil, with more than 150 employees reported across Latin America in April 2025. Buyers comparing money infrastructure often set regional collections software beside global acceptance, cross-border collection and embedded finance providers. Waffo, founded in 2023, provides a unified payments and monetisation platform for digital businesses, with 480+ local payment methods, subscriptions, fraud protection and merchant-of-record services in one integration. Xflow, founded in Bengaluru in 2021, builds cross-border payment infrastructure that lets Indian businesses collect from more than 100 countries and now lets global businesses collect from India. CapitalOS, founded in 2022 in the San Francisco Bay Area, provides a money orchestration layer that lets B2B software platforms offer cards, wallets and bill pay without building a bank. dtcpay, founded in Singapore in 2019, provides regulated payment infrastructure for accepting, holding and spending stablecoins alongside fiat from one account. Choose Toku for Latin American collections, Waffo for global digital payments, Xflow for India-linked cross-border collection, CapitalOS for embedded finance and dtcpay for stablecoin and fiat payments.

Alternatives to Toku

Waffo

A unified payments and monetisation platform for digital businesses — 480+ local payment methods, subscriptions, fraud protection and merchant-of-record services in one integration.

Xflow

Cross-border payment infrastructure that lets Indian businesses collect from 100+ countries — and now lets global businesses collect from India.

CapitalOS

The money orchestration layer that lets B2B software platforms offer cards, wallets and bill pay without building a bank.

dtcpay

Regulated payment infrastructure that lets businesses and consumers accept, hold and spend stablecoins alongside fiat — from one account.

Full profile, with every fact and its source: Toku. Profile facts last verified 31 October 2026.