Toku GTM brain

Toku sells payment collection and accounts receivable automation to Latin American enterprises with recurring or high-volume payments.

category

Payment collection automation

market profile

  • text: Latin American enterprises face manual collections, fragmented payment infrastructure and delinquency.
  • text: Payment automation connects ERP systems, banks and local payment rails, and includes reconciliation and payment portals.

personas

  • title: Head of collections
    pains:
    • Manual follow-up does not scale across overdue accounts
    • Generic messages and limited contact visibility reduce recovery
  • title: CFO or finance director
    pains:
    • Late payments and expensive manual reconciliation strain cash flow
    • Multiple local payment methods complicate reporting
  • title: Payments or technology leader
    pains:
    • Connecting ERP, banks and payment rails requires ongoing integration work
    • Customers abandon payment when preferred methods are unavailable

icp

  • text: Mid-market and enterprise businesses in Mexico, Chile and Brazil, especially those with large recurring payment volumes.
  • text: Insurance, credit, education, real estate and utility providers managing substantial collections.

message pillars

  • text: Automate collections communications across channels.
  • text: Tailor reminders to each customer and debt status.
  • text: Reconcile payments as they arrive.

objections

  • objection: Will this work with our existing finance systems and payment rails?
    response: Discuss the specific ERP and bank integrations and validate coverage in a scoped implementation.
  • objection: Will automated reminders damage customer relationships?
    response: Review channel selection, timing and personalization controls against your communication policy.
  • objection: Can improved recovery justify the cost?
    response: Baseline collection rate, days overdue and manual effort, then compare a bounded pilot.

competitors

  • name: Duemint
    website: https://www.duemint.com/precios
    why: Offers collections, payment and bank reconciliation modules in Chile.
  • name: Moonflow
    why: Also targets larger collections teams in the Mexican recurring payments market.
  • name: Mercado Pago
    why: Offers recurring subscription payments as an alternative for simpler billing needs.

keywords

  • software de cobranza automatizada
  • recaudación de pagos recurrentes
  • conciliación bancaria automática
  • cobranza WhatsApp empresas
  • payment orchestration Latin America
  • reducir morosidad

voice

  • practical and operational
  • outcome-focused
  • direct

signals

  • text: A finance team is expanding recurring billing across Latin American markets.
  • text: A collections team relies heavily on manual calls or generic reminders for a large overdue portfolio.

stack

  • ERP integrations
  • payment rails
  • WhatsApp
  • SMS

pricing

model: unknown

motion

sales_led

channels

  • SEO
  • events

confidence

medium

Founders

  • name: Francisca Noguera
    title: Founder
    role: Founder
    bio: Co - Founder & CRO of Toku, love to talk with people and sing. I worked for three years in the Chilean financial market in Falabella. Graduated from Pontificia Universidad Católica de Chile, BS in Business and Economics.
  • name: Cristina Etcheberry
    title: Founder
    role: Founder
    bio: * Product Manager, self-taught developer and dog lover. * +3 years of experience working at Latam biggest Airline and Product Owner from idea to conception of Brasil Alexa's Skill. * Pontificia Universidad Católica de Chile, BS in Business and Economics. Graduated on top ten of promotion.
  • name: Enzo Tamburini
    title: Founder
    role: Founder
    bio: Chilean 🇨🇱, developer and Co-Founder of Toku. Python and dog lover. Not pretty sure what i have to put here but probably I'll update it later.

Back to YC companies