# Toku

> Payments and collections platform for large companies, with conversational AI agents for sales, support and debt collection.

Toku is a payments and collections platform for large companies that also provides conversational AI agents. Toku automates collections, orchestrates payment infrastructure, and offers agents for sales, customer support and collections that answer customers around the clock. Its website is in Spanish and names industries such as insurance, education, utilities and telecommunications.

**Best for:** Large companies with recurring receivables that want to automate collections and add AI agents for customer conversations.

- Official site: https://trytoku.com
- Listed in: [Finance & Accounting](https://trendhub.net/ai-tools/category/finance-accounting), [Customer Service](https://trendhub.net/ai-tools/category/customer-service)
- Last checked: 2026-10-09 (facts taken from trytoku.com)
- Source page: https://trendhub.net/ai-tools/toku-payments-collections-ai-agents

## Key facts

- Platforms: Web
- Pricing model: Contact sales
- Made by: Toku

## What is Toku?

Toku is a platform that large companies use to collect payments and manage receivables, with AI agents layered on top. The product line is presented in three parts: Recaudación for collections, Pagos for payment processing, and Conexiones 360. According to the site, the aim is to automate collection work, lower delinquency, reduce processing fees and IT maintenance costs, and limit fraud while keeping customer data protected. A newer set of conversational agents covers sales, support and collections, and is described as responding to customers 24 hours a day. Toku lists the sectors it serves, including real estate, insurance, education, toll roads, telecommunications, utilities, financial services, retail and health. The public site is the Chilean edition, written in Spanish, and directs prospective customers to contact the company or book a free consultation.

## Key features

- **Automated Collections**: Automates the collection process with the stated goal of lowering the share of overdue accounts.
- **Payment Orchestration**: Coordinates a company's payment infrastructure, which the site links to lower processing fees and IT upkeep.
- **Fraud and Data Protection**: Is presented as reducing fraud exposure and keeping payment data protected.
- **Sales Agent**: A conversational AI agent that handles sales conversations with customers.
- **Support Agent**: A conversational AI agent that answers customer questions at any hour.
- **Collections Agent**: A conversational AI agent dedicated to collecting outstanding payments.

## Use cases

- **Reducing Late Payments**: Automate the steps taken when accounts fall overdue.
- **Recurring Billing in Service Sectors**: Collect regular payments in industries Toku lists, such as insurance, education and utilities.
- **Lowering Processing Costs**: Run payments through an orchestrated setup intended to cut fees and maintenance work.
- **Round-the-Clock Customer Answers**: Let a support agent respond to customers outside office hours.
- **Conversational Sales**: Use a sales agent to handle enquiries in chat.

## Things to know

- **Spanish-language site**: The website reviewed is Toku's Chilean edition and is written in Spanish.
- **Sold through contact with sales**: The home page shows no price list; it invites companies to get in touch or request a free consultation.
- **Aimed at large organisations**: Toku describes its payments and agents as being for large companies.

## FAQs

### What is Toku?

Toku is a payments and collections platform for large companies that also offers conversational AI agents.

### What is Toku used for?

Toku is used to automate collections, process payments and handle customer conversations for sales, support and debt collection.

### What AI agents does Toku offer?

Toku lists three conversational agents: a sales agent, a support agent and a collections agent.

### Which industries does Toku serve?

Toku names real estate, insurance, education, toll roads, telecommunications, utilities, financial services, retail and health.

### Is the Toku website available in English?

The Toku site is the Chilean edition and is written in Spanish.

### How much does Toku cost?

Toku does not publish prices on its home page. Companies are asked to contact the team or book a free consultation.

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Source: https://trendhub.net/ai-tools/toku-payments-collections-ai-agents (trendhub)