en.Wedoany.com Reported - Chilean fintech company Toku, specializing in recurring payment management, optimizes corporate collection and financial reconciliation processes by introducing AI agents. The company currently processes over $4 billion in transactions annually across Latin America, covering Chile, Mexico, and Brazil, and plans to accelerate regional growth with new payment tools such as automatic Pix.
Toku's AI agents are not equivalent to traditional chatbots; their core function is to form a complete collection loop from communication and channel selection to payment execution and reconciliation settlement. Raphael Emerick, the company's Country Manager for Brazil, explained that AI agents can autonomously decide whom to charge, when to charge, through which channel, and which payment method to use based on differences in customer behavior, while automatically handling retries for failed transactions, channel switching, and account matching to reduce manual intervention and financial friction.
The core need Toku identified in the Latin American market is not simply overdue collection, but friction arising during the payment process due to expired invoices, card declines, or improper channel switching. In Brazil, with the launch of automatic Pix, the infrastructure for recurring collections has been further upgraded, but companies need to coordinate multiple steps including authorization, scheduling, retries, communication, and reconciliation. Toku combines operational experience accumulated in the Chilean and Mexican markets with local Brazilian channels such as Pix, automatic Pix, invoices, card payments, and WhatsApp, providing integrated collection infrastructure for industries in the region that rely on recurring revenue, including education, insurance, real estate, credit, telecommunications, healthcare, and utilities.
In terms of data compliance, Toku adheres to Brazil's LGPD, Mexico's LFPDPPP, and Chile's data protection regulations, holding ISO 27001 and PCI DSS Level 1 certifications. It clarifies that data belongs to the client, not the platform, and its role is to help clients process, organize, and transform data to optimize the predictability of collections and reconciliation. The company has completed a significant funding round, positioning Brazil as the core market for regional expansion, with the goal of increasing business density in high-recurring payment industries and becoming the collection infrastructure layer in Latin America.
