© 2017 Toro Development S.L.

C/Còrsega 371-3rd floor

08037 Barcelona, Spain 


+34 936 67 74 48

Contact us


 Payment is 

Who are we?

 We innovate and create new and better ways to enable commerce with the mobile phone 

TORO is a technology business that provides a Mobile Wallet/Commerce Platform and its associated systems, services and rules to make electronic transactions with the mobile phone happen between millions of consumers, retailers, businesses and governments.


Our company invests and innovates to create new and better ways to enable commerce with the mobile phone. The technology developed and patented by TORO is the only one in the market able to create a “level playing field” for the key players of the ecosystem.

We offer

Understanding of every actors’ needs and constraints.


Business model adaptation.


Pricing model adaptation.

Business Model

Approved by payment and transport schemes.


Configuration of current and future secure element configurations UICC, HCE, eSE, µSD.


Advanced security measures against fraudulent attacks.


Built-in tools for Service Providers.


Mobile Service and User experience Design and Tweak-on-the-fly.


Independent Widget lifecycle management.


Widgets are Service Providers’ Apps.


Designable and Developable.


Widget Lifecycle controlled by SP.

Fully Commercial

8 year experience in Mobile Commerce.


Live in Poland (T-Mobile).


Valyou (Norway).


Scalable to the millions.

Multisided/horizontal platform (one system for all SPs).


Mobile secure services for all systems.


Better interoperability.


No more technical hurdles / costs of mobile secure applications implementation.

White Label

Toro offers the backing and experience of a carrier- and bank-grade 3rd generation platform that has already been deployed in several countries in Europe and Asia.

We increase your opportunities with high quality services

The Platform

The first and only white label platform that allows you to deploy your mobile wallet quickly and cost-efficiently in the cloud, and optimize in one single app all your services and partner ecosystem.

Do you want to know more about the platform?

TORO’s platform is designed to ease your everyday tasks: Banks, Retailers, Airlines, Hotel Chains…

With the Mobile Wallet becoming a reality, you need to focus on your service and your users, and no longer on Technology through independence and with total flexibility.

We provide you with the best possible platform to optimize inter-business synergies.

We enable one-time registration for your customers as well as back-up recovery.

How to Manage and Scale your Mobile Secure Services?

OVUM Mobile Wallet Report 2016-2017

Passclub is among the most innovative white-label mobile wallet platforms on the market, providing a more lightweight and scalable method of enabling mobile wallet capabilities to end users.

Gilles Ubaghs, Senior analyst at OVUM

Ovum Decision Matrix: Selecting a 

White-Label Mobile Wallet Solution, 2016–2017


Commercial references 


We are always looking for talented people interested in working on challenging projects of national and international scale, with the vision to create a first class product.

Join our team

When working with us you will enjoy some perks, these are just a few of them

Great location

Never out of coffee

Schedule Flexibility

Friday Meetings

Open positions

No open positions