Simplifying financial innovation for growth
Toqio enables businesses to create tailored embedded financial solutions in weeks on a single platform and interface powered by multi-bank access. Leverage our easy to use no-code and low-code tools and configurable features to build what you need today.
Best Embedded Finance System
2024
Inducted into the Visa Innovation Program Europe
2024
Inducted into the AWS Global Accelerator program
2023
Strategic alliances
Navigating a world where experience is everything
Corporates and merchants often lack access to the right financial solutions within their ecosystems, holding both back from forging stronger customer relationships and from realizing the full growth potential of their networks.
With Toqio, embedded finance becomes the bridge. By uniting financial and non-financial tools on one fully configurable platform, we empower corporates, financial institutions, and merchants to unlock new opportunities, foster collaboration, and drive meaningful growth. Together.
The Toqio advantage
Dynamic orchestration
Coordinate multiple financial products from different providers to deliver the best solutions and scale throughout countries and use cases.
Custom solutions
Create unique financial products tailored to your business and customer needs.
Tailored integrations
Contextualize financial products and workflows. Connect ERP and CRM systems to centralize the financial and non-financial data you need.
Your key benefits with Toqio as your partner
Unlock revenue
Create new revenue streams with tailored financial solutions.
Optimize liquidity
Improve merchant cash flow with efficient embedded finance tools.
All-in-one platform
Manage everything in one place for simplified, scalable growth.
Real solutions for real results
Many providers lack the breadth to meet today’s evolving financial needs, leaving critical gaps in financing, payments, and value-added services. Toqio solves this with a versatile platform that delivers end-to-end solutions, reducing complexity and boosting efficiency.
-
Turn financial services into a competitive edge.
With Toqio, elevate your core financial offering through embedded finance, delivering tailored solutions designed to empower your merchants and optimize your distribution network.
Project goals: Drive 5-8% growth in existing product revenue and establish new revenue streams by embedding flexible financial services tailored to merchant needs.
-
Effortless global payouts - faster, smarter, and fully compliant.
Streamline complex multi-regional payout operations with Toqio’s secure and compliant solutions. Provide recipients with instant fund access through digital wallets and custom-issued cards while enhancing efficiency and reducing costs. Scale your payment options seamlessly to meet business growth and drive loyalty.
Project goals: Enhance global payout efficiency by 30%, reducing costs and improving recipient access to funds.
-
Retain customers and drive growth with advanced solutions.
Stand out as an acquirer or payment-service-provider (PSP) by diversifying your financial offerings with Toqio. From embedded lending and high-interest accounts to instant settlement, Toqio equips you to meet your merchant needs with ease. All on a flexible, scalable platform.
Project goals: Increase transaction volumes and reduce churn by integrating value-added financial services, targeting 5-10% growth through an expanded customer offering.
-
Helping banks enable corporate success with embedded finance.
Toqio empowers banks to deliver industry-specific financial tools directly within corporate ecosystems, like instant lending, digital wallets, and customized payment options. By embedding these tailored solutions, banks expand their reach into SME networks, boost engagement, and open new revenue streams, all without complex infrastructure changes.
Project goals: Enable banks to capture new revenue streams and expand market share by 5-15% through tailored embedded solutions, while leveraging critical business data to improve risk assessment.
Trusted by leading brands
See who’s already using our platform to drive innovation and impact.
A platform
built to drive growth
Empower your teams with a no code/low code platform that drives growth with bank-grade security and compliance at its core:
- Deploy solutions quickly without reinventing the wheel or heavy infrastructure changes.
- Utilize prebuilt and preconfigured components to scale your platform efficiently.
- Work with the implementation partner of your choosing.
Explore how it all comes together
Discover a
marketplace of solutions
Tap into pre-built apps and integrations via Toqio’s marketplace of countless providers, apps, and templates or easily connect to new partners if needed.
.png?width=70&height=70&name=Button%20Icon%20FAB%20(4).png)
Configure and
customize effortlessly
Configure custom financial workflows, set rules, and orchestrate tailored journeys without technical expertise. Pull in real-time data from ERPs or CRMs, centralize compliance, and streamline payments with custom notifications and error handling.
Create
unique differentiators
If our pre-built marketplace solutions don’t fit, use Toqio’s low-code environment and API hub to easily build, connect to providers, and customize your own flows and financial solutions to suit your proposition's needs.
Launch
quickly and flexibly
Build and deploy a fully configurable and tailored white-label portal via web, mobile, or API in just weeks. Stay agile and quickly respond to market demands while delivering a branded experience to your merchants.
Resources
Innovation has brought us success (and a few awards!)
2025 April
"Most Influential Financial Technology Firms of 2025"
Harrington Starr
2025 March
"Disruptor of the Year"
UK Fintech Awards 2025 (Finalist)
2024 November
“Best Embedded Finance System”
Banking Technology Awards
2024 November
“Best Service to Business” and "Best Processing Programme/Proposition"
Cards and Payments Award 2025
(Finalist)
2024 October
“Best Embedded Finance Initiative” with Railsr
Banking Technology Awards
(Finalist)
2024 July
“Best Embedded Finance Project”
Pay360 Awards
(Finalist)
2023 October
“Oracle NetSuite Rising Star”
Deloitte UK Technology
Fast 50 award
2023 March
Rank #23
Startups 100 List
2022 September
“Best B2B/B2C Banking Initiative”
PAY360 Awards
2021 November
“Top Fintech Startup”
South Summit Awards
2020 August
“Third place” for Top Fintechs
Premios Expansión Startups
2020 April
“Top Spanish Fintech”
Expansión Startup Awards
2020 February
“Edition Winner”
Cuatrecasas Acelera Programa IV
2025 March
“Edition Winner” of the Cuatrecasas Acelera Programa IV