Configure the Toqio product suite
From Cards and Financing products to Bank accounts, choose the Toqio products you need to launch your unique proposition.
4 steps from concept to market in less than 8 weeks
Select the right partners for you
Choose from our pre-integrated fintech and financial service partners or connect your own solutions to the Toqio platform.
Apply your own brand
Our white label SaaS platform allows you bring your brand to life with your own look and feel and user experience for your solution.
Go Live and Innovate
Applications are hosted & managed by Toqio, while clients take advantage of our innovative pipeline of new products.
White label solutions
Build your new financial application easily, quickly, and and cost effectively
Our ready-to-go fintech SaaS platform and marketplace makes innovating simple.
Access the end-to-end products you need to take on the fintech market leaders. Whether you’re launching a neobank or digitising your financial services, we can help.
How our smart technology has changed the businesses of our customers
"At Paysme, we supply fintech services to underserved SMEs to help them transition to the digital economy. The problem affecting our day to day job is that our customers are affected as they have to piece together a number of different suppliers so the market remains fragmented making it more expensive and time consuming than necessary. One of the possible solutions that we considered, was a fintech super app that includes mobile payments, digital banking, accounting, lending, e-commerce and insurance from a single platform tailored to our customers specific needs. Working with Toqio & Railsbank enables us to offer digital banking, debit cards, accounting and eventually lending to our small business customers."
Derek Stewart, Founder & CEO
"At Paysme, we supply fintech services to underserved SMEs to help them transition to the digital economy. The problem affecting our day to day job is that our customers are affected as they have to piece together a number of different suppliers so the market remains fragmented making it more expensive and time consuming than necessary. One of the possible solutions that we considered, was a fintech super app that includes mobile payments, digital banking, accounting, lending, e-commerce and insurance from a single platform tailored to our customers specific needs. Working with Toqio & Railsbank enables us to offer digital banking, debit cards, accounting and eventually lending to our small business customers."
Derek Stewart, Founder & CEO
Empower your customers to issue and manage cards, add to digital wallets, and access a range of marketplace products. We have everything you need to launch and manage a digital card programme.
How our smart technology has changed the businesses of our customers
"The biggest impact of working with Toqio was being able to work collaboratively to shape the proposition for the residential home and accommodation market. This one area of innovation with the multi-card accounts has opened up an entirely new market segment for us. It has been massive and we are making early inroads into an important market segment for us. Every step we take to developing GuardianCard into a product designed and shaped to deliver elder-friendly banking makes a difference for our customers."
Nick Thompson, Co-Founder
"The biggest impact of working with Toqio was being able to work collaboratively to shape the proposition for the residential home and accommodation market. This one area of innovation with the multi-card accounts has opened up an entirely new market segment for us. It has been massive and we are making early inroads into an important market segment for us. Every step we take to developing GuardianCard into a product designed and shaped to deliver elder-friendly banking makes a difference for our customers."
Nick Thompson, Co-Founder
"We have unlocked the option of issue a card product and a companion app. Transitioned our line of business from purely tourism to fintech. We are now hoping to build the next “fintech” American Express card and raise investments for it. It has made significant impact on our business. Opening up possibilities that we previously never had. Continue using and leveraging Toqio’s builds and updates. The main things we are really looking forward to right now are: multi account wallets, add to Apple Pay/Google Wallet, using Toqio as “backend as a service”. We really appreciate Toqio’s transparency in their product road map, and being adaptable to our needs and their other clients needs. Utilising product sprints also mean that Toqio are constantly pushing updates to improve their product."
Bernard Chan, CTO and Co-Founder
"We have unlocked the option of issue a card product and a companion app. Transitioned our line of business from purely tourism to fintech. We are now hoping to build the next “fintech” American Express card and raise investments for it. It has made significant impact on our business. Opening up possibilities that we previously never had. Continue using and leveraging Toqio’s builds and updates. The main things we are really looking forward to right now are: multi account wallets, add to Apple Pay/Google Wallet, using Toqio as “backend as a service”. We really appreciate Toqio’s transparency in their product road map, and being adaptable to our needs and their other clients needs. Utilising product sprints also mean that Toqio are constantly pushing updates to improve their product."
Bernard Chan, CTO and Co-Founder
"The most obvious benefit that Toqio has provided has been time to market and financial savings. However Toqio’s highly experienced development team has meant we have had access to a skilled and respected IT team that has improved our client user experience as well as directing our App without the normal wasted development time focusing on the wrong solution that is typical when designing a new App/web interface."
Damian George, Director & Founder
"The most obvious benefit that Toqio has provided has been time to market and financial savings. However Toqio’s highly experienced development team has meant we have had access to a skilled and respected IT team that has improved our client user experience as well as directing our App without the normal wasted development time focusing on the wrong solution that is typical when designing a new App/web interface."
Damian George, Director & Founder
Deliver a fully digital financing solution with ease. You’ll get to access our rich customer data, customise application forms, and automate your funds distribution.
How our smart technology has changed the businesses of our customers
"Our account product with Toqio and Railsbank is now launched and in soft roll out to friendly customers. As well as rolling out to existing customers we are developing a new offering that combines a revolving credit facility with an account for early-stage companies including those going through a pre-pack administration. Going forward we are looking to work with Toqio on their product development road-map to deliver enhanced customer information and integrated credit products."
Mike Smith, Executive Director of Banking
"Our account product with Toqio and Railsbank is now launched and in soft roll out to friendly customers. As well as rolling out to existing customers we are developing a new offering that combines a revolving credit facility with an account for early-stage companies including those going through a pre-pack administration. Going forward we are looking to work with Toqio on their product development road-map to deliver enhanced customer information and integrated credit products."
Mike Smith, Executive Director of Banking
FULLY MODULAR PRODUCT SUITE
Powerful ideas demand flexible tech
Empower your business with a product suite of cutting-edge, fully-integrated tools designed to connect and delight end-users and administrators alike.
Digital Onboarding
Accounts
Payments/FX
Financing Workflows
KYB/KYC
Cards
Expenses
Admin Portal
MARKETPLACE INTEGRATIONS
Seamless integrations with the top financial providers
BAAS
Banks
Card Providers
FX Providers
Financial Providers
Accounting Integration
Onboarding Partners
Need a custom integration?
Toqio can offer flexible APIs and customer solutions to meet all your needs and get your integration up and running quickly.
Contact usWhy Us
We’re like fintech, but smarter
Why develop your own financial tech from scratch? There’s a much smarter way to do fintech.
Get to market quicker
Our fintech SaaS platform and marketplace are ready to launch, if you’re ready to leap. Bring us your solution, and we’ll bring everything else - applications, web, hosting, and partners.
A smarter investment with Toqio
Pay a lower up front investment with our SaaS commercial model. Your license fee is tied to growth, so you can keep your early running costs low. And Toqio’s billing engine lets you monetise your users from day one.
Innovate faster and easier
Toqio helps banks, fintech, and corporates to bring innovative new solutions to market. Our flexibility allows our clients to launch highly specific use cases on a single, shared infrastructure.
A scalable and reliable partner
Built on a market leading tech stack, our platform has a highly secure infrastructure hosted on Amazon Web Services, and is fully PSD2/GDPR compliant. The facts speak for themselves - we have thousands of users who move hundreds of millions of euros every month.
