Softwr

APIs · head to head

3scale vs Toqio

3scale logo

3scale

APIs

API management platform for designing, securing, and monetizing APIs

From
$300/monthly
Rated
-
Full reviewWebsite
Toqio logo

Toqio

APIs

No code platform for building embedded finance products on your own providers

From
On request
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: 3scale red Hat's managed 3scale services end on 30 June 2027, so anyone adopting the hosted option now is choosing a product with a published end date; Toqio toqio holds no licence and provides no sponsor bank, so you must find, contract and manage regulated providers yourself, which is the slowest part of any embedded finance launch.
  • They diverge on capability: 3scale covers API Gateway, Toqio covers No code product builder.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which 3scale and Toqio actually diverge.

Attributes where 3scale and Toqio differ
Attribute3scaleToqio
Starting price$300/monthlyOn request
Pricing modelsubscriptionquote
PlatformsCloud, On-premises, HybridWeb, iOS, Android, API
Founded1993Unknown

Identical on both: free tier (No), user rating (Not yet rated), category (APIs).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in 3scale

  • API Gateway
  • Developer Portal
  • API Monetization
  • Red Hat OpenShift
  • AWS
  • Azure
  • Kubernetes
  • Cloud support

Only in Toqio

  • No code product builder
  • Provider orchestration
  • Account and card modules
  • Embedded financing
  • Back office tooling
  • Multi entity and multi brand
  • White label mobile apps
  • Marketplace of providers

What people use each for

The jobs each tool is most often brought in to do.

3scale

  • API gateway and lifecycle managementnot Toqio
  • Rate limiting and traffic control across API consumersnot Toqio
  • Developer portal and access key managementnot Toqio
  • Monetising APIs with usage-based plansnot Toqio
  • Hybrid deployment across on-premises and cloudnot Toqio

Toqio

  • A manufacturer offering branded working capital finance to its dealer networknot 3scale
  • A B2B marketplace launching accounts and cards for its sellers without becoming regulated itselfnot 3scale
  • A corporate that wants to switch card issuer without rebuilding its customer facing productnot 3scale
  • A group launching the same embedded finance product across several markets with different local providersnot 3scale

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

3scale

  • Red Hat's managed 3scale services end on 30 June 2027, so anyone adopting the hosted option now is choosing a product with a published end date
  • Sold as part of Red Hat middleware rather than standalone, and 3scale.net redirects into redhat.com
  • Pricing is not published and a subscription is required for some services

Toqio

  • Toqio holds no licence and provides no sponsor bank, so you must find, contract and manage regulated providers yourself, which is the slowest part of any embedded finance launch.
  • Because it orchestrates rather than provides, the customer experience is only as good as the underlying bank or issuer, and Toqio cannot fix a partner's settlement delays or outages.
  • Pricing is quoted with no public rate card, so comparing it against building in house or against a bundled banking as a service provider requires a full sales process.
  • With around EUR 30 million raised in total it is a small supplier to underpin a financial product a large corporate expects to run for a decade, which raises real continuity questions in procurement.
  • No code configuration covers standard patterns well but bespoke customer journeys eventually require custom development, at which point the main advantage over building directly on provider APIs narrows.

Pricing, plan by plan

3scale

$300/monthly
  • Starter$300/monthly
    • API gateway
    • Developer portal
    • Basic analytics
  • Professional$750/monthly
    • Advanced features
    • API monetization
    • Enhanced support
  • Enterprise$undefined/monthly
    • Custom deployment
    • Dedicated support
    • Premium SLA

Toqio

On request
  • Toqio platform$undefined/year
    • Quoted per customer, typically setup plus recurring platform fee
    • Regulated provider fees are separate and contracted by you
    • Card interchange and lending economics belong to your provider agreements

Which should you pick?

Choose 3scale if

  • You need api gateway.
  • You work on Cloud, On-premises, Hybrid.
  • You also want developer portal.
3scale review

Choose Toqio if

  • You need no code product builder.
  • You work on Web, iOS, Android, API.
  • You also want provider orchestration.
Toqio review

Questions people ask

Is 3scale or Toqio better?
Neither clearly leads. 3scale starts at $300/monthly and Toqio at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, 3scale or Toqio?
3scale starts at $300/monthly and Toqio at On request.
Does 3scale or Toqio run on more platforms?
3scale runs on Cloud, On-premises, Hybrid. Toqio runs on Web, iOS, Android, API.
What is 3scale best used for?
3scale is most often used for api gateway and lifecycle management, rate limiting and traffic control across api consumers, developer portal and access key management, monetising apis with usage-based plans. Of those, api gateway and lifecycle management and rate limiting and traffic control across api consumers are not what Toqio is typically brought in for.
What can 3scale do that Toqio cannot?
3scale covers API Gateway, Developer Portal, API Monetization, Red Hat OpenShift. Toqio covers No code product builder, Provider orchestration, Account and card modules, Embedded financing.

Answered from the vendors’ own pages

3scale: Does Red Hat 3scale require a subscription?

Yes. The page states a subscription may be required for some services, though specific subscription details and costs are not published on this page.

Source
Toqio: Does Toqio provide the banking licence?

No, deliberately. You contract your own bank, issuer or lender, which is why you can replace them without rebuilding the product.

3scale: Is a trial available for 3scale?

A 'Start a trial' link is mentioned in navigation, but trial duration, included features, and limitations are not specified on this page.

Source
Toqio: Who is it aimed at?

Large corporates and B2B ecosystem operators embedding finance for suppliers, dealers or marketplace sellers, not consumer fintech startups.

3scale: When will Red Hat 3scale end support?

Red Hat 3scale API Management maintenance and managed services will end on June 30, 2027. Customers should plan migrations accordingly.

Source
Toqio: How much does it cost?

Not published. Expect a setup fee plus a recurring platform fee, with all regulated provider costs on top and separately contracted.

Share

Related pages

More on 3scale

More on Toqio

Keep looking

Other head to heads