Turn one invoice into multiple payments, reconciled as one.
Let each payer pay their share directly, while you keep one invoice and one clear balance.
$2,400 of $3,000 settled
- Customer 1$1,500.00AwaitingSettled
- Customer 2$900.00AwaitingSettled
- Customer 3$600.00Awaiting
Collected through pinchReconciled to
Payments
Toka never holds your money
Your payment provider processes every payment. Toka has no balance and no float.
Settlement
Only settled payments count
A started payment changes nothing. Toka updates the balance only when payment is confirmed.
Reconciliation
Payments update the original invoice
Each payment is written back as it settles, keeping the invoice balance current.
One invoice doesn’t always mean one payer.
When multiple people are contributing to the same bill, merchants are left chasing payments, tracking who has paid and manually working out what is still outstanding.
Without Toka
With Toka
Toka is made for businesses that shouldn’t have to wait for one person to pay.
Toka helps merchants get paid sooner by collecting one invoice from multiple payers, while keeping every payment tied to one clear outstanding balance.
Split, collect and reconcile.
Split
Set each payer’s share.
- By amount or percentage
- Assign each share to the right person
- Adjust unpaid shares when plans change
Collect
Let each payer pay their part directly.
- Give each payer their own payment link
- Accept card or direct debit
- No one has to cover the full invoice upfront
Reconcile
Keep every payment tied to the original invoice.
- Update the balance as payments come in
- See what’s paid and what’s outstanding
- Keep one clear invoice from start to finish
FAQs
Do you hold the money?
No. Your payment provider processes every payment and pays your business directly. Toka has no balance, no float, and no custody of funds at any point.
Is this bill splitting?
No. Those products work out who owes whom after someone has already paid the whole thing. Toka establishes who is responsible for what before anyone is collected from, and each person pays the business directly. Nobody is ever out of pocket waiting to be paid back.
Do I have to change how I invoice?
No. Same invoice, same accounting system, same payment provider. Toka only fills the gap between the two.
What if one person doesn’t pay?
Their share stays outstanding and nobody else’s changes. The invoice shows exactly what has landed and what has not.
Only Xero and Pinch?
Those are what is wired up today. Accounting and payments are both slots behind an interface, so neither is baked into how Toka works.
What does it cost?
Onboarding is operator-run right now, so there is no self-serve price list to point at. Tell us how you bill and we will tell you whether Toka fits.