Financial partners
Leaders in banking, payments, lending, cards, and merchant services, these partners ensure that our solutions are robust, compliant, and aligned with the latest market trends.
Consulting partners
Our consulting partners provide deep industry knowledge and strategic insights, and offer Toqio services as part of their available toolkits for surmounting project obstacles.
Technology partners
We work with innovators and tech pioneers who help drive our platform forward by providing cutting-edge tools and solutions that enhance its capabilities, enabling us to deliver exceptional value.
Association partners
These are influential organizations and industry bodies that help us stay connected with the latest developments, standards, and best practices in our field.
ClearBank
Financial partner
ClearBank is a purpose-built, technology-enabled clearing bank. Through their banking licence and innovative financial technology, they enable financial institutions to offer secure accounts, clear payments in real-time and enhance their banking propositions for their customers, focusing on efficiency, innovation, and enhancing the speed and security of financial operations.
How they work with Toqio:
- Full banking features
- Physical or virtual cards
- Transactions with incorporated FX
Currencycloud
Financial partner
Currencycloud is a leading global payment platform that enables businesses to move money across borders quickly, transparently, and securely. The company provides a suite of APIs that integrate with existing financial systems, empowering clients to automate payments, convert numerous types of currencies, and manage international transactions with ease.
How they work with Toqio:
- Real-time FX
- Agile payments and transfers
- Cross-border card programmes
Divilo
Financial partner
Pioneers in the transformation of digital collections in Spain, Divilo is a 100% digital payment institution, offering innovative solutions for companies and SMEs. Regulated by the Bank of Spain and as a principal member of Visa, Divilo's multidisciplinary team has expertise in technology, finance and compliance, and is dedicated to providing an agile, secure, and convenient financial experience.
How they work with Toqio:
- Tap to pay on phones
- Charging via links and QR codes
- Digital ecommerce and payments
Enfuce
Financial partner
Enfuce handles every aspect of card issuing and payment processing, allowing companies to scale transformation programmes quickly and easily, anywhere in the world. Customers receive easy-to-use, safe, and scalable payment solutions that end-users can trust and love. With the brightest minds and the best technology, Enfuce can make any vision for card issuing, no matter how ambitious, a reality.
How they work with Toqio:
- Issue/manage any sort of card
- Flexible ledgers for card programmes
- Advanced fraud/dispute management
Madrid Capital Partners
Financial partner
MCP offers business model financing with customized solutions (either proprietary or third-party) at competitive costs. These solutions are based on a risk model specifically developed for a particular business. The firm specializes in understanding disruptive, digital, and technological businesses, as well as traditional businesses with specific needs that traditional solutions can't meet.
How they work with Toqio:
- Tailored business financing
- Risk assessment and management
- Data insights
Modulr
Financial partner
Modulr specializes in providing embedded payment infrastructure. Their platform enables businesses to automate payment flows and integrate payment capabilities into their core operations, making it easier to move money quickly and efficiently. They offer API-driven payment solutions that are particularly useful for industries like lending, payroll, accounting, and travel, among many others.
How they work with Toqio:
- Accounts, transfers, etc.
- Full associated card programmes
- FX and multi-currency banking
Railsr
Financial partner
Railsr offers a comprehensive suite of APIs, enabling companies to build, launch, and scale financial solutions via banking, payments, and cards. By providing a fully customizable and compliant infrastructure, Railsr gives clients the ability to enhance customer engagement, create new revenue streams, and differentiate themselves in a constantly evolving and highly competitive market.
How they work with Toqio:
- Accounts, transfers, etc.
- Credit and debit card programmes
- Embedded finance integrations
Visa
Financial partner
Visa is a global leader in digital payments, including credit card transactions. The company enables secure transactions for individuals and businesses worldwide. With a vast network of businesses using its services and a host of innovative payment solutions, Visa empowers commerce by connecting consumers, merchants, and financial institutions throughout more than 200 countries.
How they work with Toqio:
- Partnership opportunities
- Market access
- Tech stack
KPMG
Consulting partner
KPMG is a global professional services firm providing audit, tax, and advisory services. With a presence in over 140 countries, KPMG serves clients throughout various industries, offering expertise in financial management, risk assessment, and business consulting. The reputable and international firm is known for its commitment to quality, integrity, and innovative solutions.
How they work with Toqio:
- Project management
- Pilot programmes
- System integration
Intercom
Technology partner
Intercom is the only complete AI-first customer service platform, modern software that delivers the best user experience to everyone: customers, agents and support leaders. It offers industry-leading AI capabilities such as Fin AI Agent which instantly resolves customer issues across channels with accurate, conversational answers based solely on your support content.
How they work with Toqio:
- AI customer support
- Tier 1 support chat
- Help centre
Looker
Technology partner
Looker provides fully interactive dashboards that can be integrated into platforms and application. Their robust API coverage allows just about anything to be done with data, unlocking limitless possibilities in terms of creating data experiences. Looker extensions integrate directly with Vertex AI, enabling powerful custom workflows and advanced analytics within any system integrating it.
How they work with Toqio:
- Data visualization
- Custom data dashboard creation
- Integrated data analysis and insights
MeaWallet
Technology partner
MeaWallet is a mobile and digital payments leader, offering certified technology in 50+ countries with 200+ customers. Partnered with Amex, Mastercard, Visa, and more, it delivers rapid, high-quality solutions. Blending experienced experts and innovative entrepreneurs, MeaWallet is recognized for simplifying payments, enhancing security, and driving fintech innovation worldwide.
How they work with Toqio:
- Push provisioning
- PCI DSS adherence
- Mobile wallets and digital cards
Tell.money
Technology partner
Tell.Money is a market leading platform that delivers customers open banking PSD2 compliance and confirmation of payee (CoP) as SaaS-based products. The company's tell.gateway provides all the elements for PSD2 compliance including TPP support and regulatory reporting while tell.confirm enables PSPs to participate in the CoP service, a regulatory requirement which minimizes payment fraud risk.
How they work with Toqio:
- PSD2 adherence
- Payment verification and confirmation
- Open banking tools and features
Twilio
Technology partner
Twilio’s strengthens businesses by unifying their data to build insightful paths to customers, so they’re smarter with every interaction and able to outmaneuver their competition. Twilio is the industry-leading and trusted platform that efficiently powers customer engagement innovation through communications, applications, and customer data gathering and analysis.
How they work with Toqio:
- SMS and OTP validation
- Messaging app validation
- Multichannel passwordless 2FA
AEFI
Association partner
The AEFI (Associación Español de Fintech e Insurtech) has created a sensible standard related specifically to startups in Spain. Associated companies voluntarily comply with the association's Code of Conduct and Best Practices, which foster the adoption of service standards that protect and benefit consumers, as well as promoting the responsible use of financial and insurance products.
How they work with Toqio:
- Define industry guidelines
- Provide market research and reports
- Engage in co-sponsored events
ASSET
Association partner
ASSET brings together CFOs, treasurers, and other top finance people from both companies and public entities. As a renowned association for finance professionals in Spain, it offers activities in the areas of training, analysis and study, and networking, so that people working in finance can exchange experiences and constantly update themselves with regard to their professions.
How they work with Toqio:
- Discussions and speaking engagements
- Content distribution
- Networking and evangelism
The Payments Association
Association partner
The Payments Association is the world's largest community in payments. Founded in the UK in 2008, the association now operates communities in the UK, the EU, and Asia, helping almost 300 companies enhance their commercial interests, solve societal problems such as financial exclusion, and evaluate exciting new opportunities for innovation with regard to payments.
How they work with Toqio:
- Pay360 yearly event
- Shaping government policies
- Content exchange
