Grow with Toqio

Powerful yet simple financial tools on a platform that lets you scale your offering with ease by powering your network and distribution channels.

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Partner providers you can work with today:

Toqio powers corporate distribution networks

Overview

Explore how embedded finance can empower your business by creating a financial service marketplace tailored to your ecosystem. To get started, select your preferred format to dive deeper into our platform and discover how we can help drive your financial transformation.

Watch

Discover Toqio through a brief video with our VP of Product, Kunal Galav that walks you through how our platform works and some of its compelling core features.

 

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Read

Explore our two-page guide to learn how Toqio’s innovative platform drives growth. We cover the key benefits, how the platform works, essential features, and representative solutions you can build to accelerate success.

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The use cases we solve

Approximately 44% of B2B organizations are adopting or intend to adopt embedded finance solutions in the next six months.
Check out the use cases being explored today and the upside with Toqio.
Financial Orchestration Use Case for Retail

Retail

Streamline operational efficiencies at the store and regional levels with third-party banking services.

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Financial Orchestration Use Case for Franchises

Franchises

Unify your merchant network on a single platform and create more flexibility for payments.

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Financial Orchestration Use Case for Merchant Service Providers

Payment service providers

Expand your pay-in/pay-out services within your SME ecosystem.

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Financial Orchestration Use Case for FMCG/Food & Beverage

FMCG / Food / Bev

Streamline operational efficiencies at the store and regional levels with third-party banking services.

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What businesses are building on Toqio
today to unlock growth

Fundamentally, we help our customers build complex financial products and solutions within their core offering to create a competitive edge and grow their business. We do this while helping you solve for working capital constraints and liquidity issues in your merchant networks, all on a single platform.

Revenue collection

Manage all your financial products in one place. Toqio lets you see everything on a single platform for total clarity: PoS, transfers, digital cash, and direct debit collections. Offer competitive financial products to merchants with greater negotiation power. Get clear insights on what’s selling and when, helping you make better business decisions.

Watch a quick video on our collection API!
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Payment automation and reconciliation

Streamline payment collections and inter-account transfers from merchants, including cross-border transactions. Set custom rules for sweeps to ensure timely transfers and smooth reconciliations, improving cash flow, reducing errors, and efficiently managing global transactions. Easily integrate your CRM and ERP solutions and get the data insights you need.

Advanced payouts

Toqio enables streamlined cash disbursements through flexible options like digital wallets and issued cards, allowing recipients to access and use funds immediately while keeping payments within the ecosystem.
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Merchant financing

Toqio enables corporates to integrate working capital solutions and flexible payment terms into their offerings, helping merchants manage cash flow more effectively. By offering financing, corporates support liquidity across their networks, creating a reliable and growth-oriented sales environment.

Embedded finance gains

Embedded finance is more than an efficiency play, it’s a growth tool.

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Unlock network value

Maximize network value

  • Accelerated capacity extension for service
  • Enable connectivity to multiple providers
  • Enhance offerings with a wider selection of products and faster access
Increases sales

Increase sales, lower costs

  • Drive process efficiencies
  • Enable banking, lending, and payment automation
  • Provide flexibility and choice on more offerings
Strengthen brand impact

Strengthen brand impact

  • Make services more convenient and incentive-based
  • Increase your share of wallet-lock-ins, reward programmes, flexible terms
  • Allow for branded, platform-driven experiences
Increased reach of corporate distribution

Overcoming challenges that
limit distribution growth

Nearly 48% of corporates struggle with trapped liquidity, as key partners like merchants and distributors lack access to tailored financial products.
This is largely due to the rigidity of services from traditional banks and neo-fintechs. Keep reading to discover the four major challenges
we've identified where an embedded finance solution on Toqio can be your solution.

Challenge 1:
Product differentiation

You're likely facing challenges in creating standout offerings because it’s hard to leverage the data you collect from your network. Siloed systems might make that even more difficult. Without a complete view of your data, it's tough to meet your merchants' needs, like cash flow issues. This lack of clarity limits your ability to personalize offerings, meaning you miss potentially valuable growth opportunities.

 

The path to growth with Toqio

Easily offer custom financial products through Toqio. Integrate your ERP, CRM, or any data source to pull real-time insights, creating tailored solutions for your merchants. Configure workflows, set rules, and design personalized financial journeys, all without requiring technical expertise.

Toqio tools: Our orchestration hub lets you bring together different banking providers and multiple data sources in weeks.

Challenge 2:
Breaking free of one banking provider

You might be facing limitations in your financial offerings because relying on a single service provider can hold you back. Being locked into one provider’s pricing and products makes it hard to adapt to specific regional needs or explore better options. This kind of banking dependency stifles innovation, limiting your ability to grow and stay competitive.

The path to growth with Toqio

Tap into pre-built financial and non-financial modules via Toqio’s marketplace of providers. You can also easily connect to existing or new partners if needed. 

Toqio tools:  Marketplace; configuration portal; low-code environment; financial product builder.

Challenge 3:
Unifying your complex user journeys

If you're still using outdated, fragmented tools, it’s likely making your merchant journeys more complicated than they need to be. Managing multiple banking accounts for payroll, expenses, or leases without a centralized system adds unnecessary complexity. This scattered setup can reduce efficiency and lower adoption rates, holding back the full potential of your network.

The path to growth with Toqio

Simplify your complex user journeys with Toqio. Effortlessly unite your business logic (by configuring payment flows, accounts, and cards) on one streamlined system. Toqio gives you the flexibility to create custom financial services tailored to your merchants’ needs, cutting through complexity and putting you in control of your growth.

Toqio tools:  Orchestration hub; configuration portal.

Challenge 4:
Reducing high implementation costs

Implementing financial services can be costly and time-consuming for your business. You might be dealing with outdated technologies or locked into long-term agreements, making it harder to innovate. Integrating older systems with modern cloud platforms can also be a challenge. On top of that, high service and administrative fees from banks may be limiting your growth and flexibility.

The path to growth with Toqio

Cut down high implementation costs and timelines with Toqio’s API-first, cloud-native platform. Traditional setups can cost USD 150 million and take up to 30 months. Toqio lets you integrate banking providers in weeks. Customize notifications and messages to fit your business, all while saving time and reducing costs.

Toqio tools: Roster of market-leading implementation partners to create MVPs quickly; Toqio technology architecture.

Practical insights to help you drive results

Explore a curated selection of resources designed to help you delve further into growth strategies and opportunities.
Whether you're looking for quick tips or detailed analyses, you'll find the right tools to support your next steps.

  Article, co-authored with Railsr  

Third sector insights: Optimizing cash disbursements

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Toqio: Your growth catalyst

Toqio empowers businesses to unlock growth with customizable, scalable financial tools. We’ve shown how embedded finance can break barriers and create opportunities. Whether you're just starting or scaling, Toqio gives you the flexibility, integration, and control needed to seize growth opportunities and achieve your goals. Contact us to learn how we can help you grow today.

About Toqio

Toqio gives corporates access to financial tools that transform the value of their distribution networks for growth, efficiency, and resilience. We’re not turning corporates into banks, just enabling them to become the nexus between their merchants and financial institutions looking for new opportunities, unblocking the flow of capital, improving liquidity, and creating new and ownable financial channels in their networks.

We believe that with the right partner, corporates can tap the full potential of embedded finance on a fully configurable orchestration platform, harnessing the massive possibilities for growth lying dormant in their merchant networks.

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Inducted into the Visa Innovation Program Europe

2024

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Oracle NetSuite Rising Star

Deloitte UK Technology Fast 50 Award
2023

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"Accelerator"
Amazon Web Services

AWS Global Fintech Accelerator programme
2023

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Startups' Top 100 Startups List

Ranked #23
2023

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Best B2B/B2C Banking Initiative

Pay360 Awards
2022

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Best B2B/B2C Company

South Summit Awards
2021

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