Alternative to Toku
Collections over WhatsApp, plus the sales side: team inbox, CRM and online store.
Collections · WhatsApp
What does Toku do well?
Toku is a recurring payments and collections platform for companies in Latin America. It helps set up direct debits, retry failed charges and send reminders over channels like WhatsApp and email; in 2026 it launched an AI agent for collections.
For companies with many recurring charges (tuition, memberships, loans), it is well focused.
What you would have to add
Focused on collecting
Toku solves collections. The sales side (conversations with prospects, pipeline, follow-up) runs in another tool.
No sales inbox for the team
It is not an inbox where your team handles WhatsApp, Instagram and Messenger to sell.
Comparison
Feature comparison
| Feature | Toku | Recaudo |
|---|---|---|
| Recurring charges with retries | Yes | Yes |
| WhatsApp reminders | Yes | Yes |
| AI agent for collections | Yes | Yes |
| Payment links | Yes | Yes |
| CRM with sales pipeline | No | Yes |
| Team inbox (WhatsApp, Instagram, Messenger) | No | Yes |
| Online store | No | Yes |
| Email marketing | No | Yes |
Why Recaudo
Why Recaudo?
Sell and collect in one place
The customer you sell to over WhatsApp is the same one whose installments you collect. In Recaudo it all lives in one record.
Collections in phases
Risk score from 0 to 100, phases by days past due over WhatsApp, email or an AI call, contact hours and payment promises that pause reminders.
Subscriptions with retries
Daily, weekly, monthly or yearly plans, with two automatic retries if a charge fails.
API and MCP server
Run Recaudo from your own system through the API, or from an AI assistant through the MCP server.
Pricing comparison
Toku
Toku
Check its website or request a quote for its current pricing.
Recaudo
Recaudo Growth
Every feature on every plan. The plan sets how many team members, WhatsApp numbers and AI agents you get. A fee is added for each successful payment.
Public reference prices; they may change. Check each provider's website.
Frequently asked questions
How does Toku pricing compare with Recaudo?
Check the Toku website for its current pricing: many tools of this kind charge per user or by volume, in dollars. Recaudo charges per plan, starting at $30 USD a month, with every feature included; the plan sets how many team members, WhatsApp numbers and AI agents you get, and there is a fee for each successful payment.
Does Recaudo use the official WhatsApp API?
Yes. Recaudo connects to WhatsApp Business through Meta's official API. You can also link the WhatsApp you already use on your phone and keep replying from the phone app: the same chats arrive in the Recaudo inbox.
Does Recaudo issue CFDI 4.0 invoices?
Yes, for businesses in Mexico. You upload your digital seal certificate, stamp the CFDI 4.0 from the platform with the customer's tax data and, for credit sales, stamp the payment complement with one button when the installment comes in.
How do I switch from Toku to Recaudo?
Export your customers from Toku to a CSV file and import it into Recaudo. If you prefer, book the assisted setup: on a free call we connect your WhatsApp, upload your customers and get your first messages ready. You can run both tools side by side while your team gets used to it.
Does Toku handle sales too?
Toku focuses on recurring payments and collections. Recaudo also has a conversation inbox, CRM, payment links, online store and invoicing, so sales and collections live in the same place.
Want to try it with your business?
Create your free account and connect WhatsApp and your payments. We help you bring over your customers.