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APIs · head to head

Apollo GraphQL vs Toqio

Apollo GraphQL logo

Apollo GraphQL

APIs

GraphQL platform and API orchestration layer for building unified graphs

From
Free
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

  • Only Apollo GraphQL has a free tier, so it costs nothing to try first.
  • Each has a real cost: Apollo GraphQL pricing beyond the Developer tier requires contacting sales, making cost comparison harder for mid-size teams.; 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: Apollo GraphQL covers Apollo Connectors, 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 Apollo GraphQL and Toqio actually diverge.

Attributes where Apollo GraphQL and Toqio differ
AttributeApollo GraphQLToqio
Starting priceFreeOn request
Pricing modelfreemiumquote
Free tierYesNo
Platformsweb, apiWeb, iOS, Android, API

Identical on both: 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 Apollo GraphQL

  • Apollo Connectors
  • GraphOS Router
  • Schema registry
  • Schema checks
  • Response caching
  • Audit logging

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.

Apollo GraphQL

  • Federating multiple backend services into one GraphQL APInot Toqio
  • Wrapping legacy REST APIs for frontend consumptionnot Toqio
  • Enterprise API governance with schema checks and audit logsnot Toqio
  • Reducing frontend over-fetching and under-fetching of datanot Toqio

Toqio

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

Where each one falls short

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

Apollo GraphQL

  • Pricing beyond the Developer tier requires contacting sales, making cost comparison harder for mid-size teams.
  • Adopting GraphOS effectively requires buy-in to the GraphQL paradigm, which is a larger architectural shift than adding a REST gateway.
  • The free plan's 1-day data retention and 60 req/min self-hosted router limit make it unsuitable for production use.
  • Volume-based per-request pricing can become expensive at very high request volumes compared to flat-rate API gateways.

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

Apollo GraphQL

Free
  • FreeFree
    • Up to 3 developers
    • 1-day data retention
    • Community support
  • Developer$5/month
    • $5 per million requests with volume discounts
    • $50 usage credit for new signups
    • Up to 10 developers
  • Standard$undefined/month
    • Up to 30 developers
    • 90-day data retention
    • Standard support with SLA
  • Enterprise$undefined/month
    • Unlimited developers
    • 18-month data retention
    • 24x7x365 support with 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 Apollo GraphQL if

  • You need apollo connectors.
  • You want to start without paying.
  • You work on web, api.
  • You also want graphos router.
Apollo GraphQL 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 Apollo GraphQL or Toqio better?
Neither clearly leads. Apollo GraphQL starts at Free and Toqio at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Apollo GraphQL or Toqio?
Apollo GraphQL has a free tier; the other does not. Paid plans start at Free for Apollo GraphQL and On request for Toqio.
Does Apollo GraphQL or Toqio run on more platforms?
Apollo GraphQL runs on web, api. Toqio runs on Web, iOS, Android, API.
Can I use Apollo GraphQL for free?
Yes. Apollo GraphQL has a free tier, so you can try it without paying. Toqio starts at On request.
What is Apollo GraphQL best used for?
Apollo GraphQL is most often used for federating multiple backend services into one graphql api, wrapping legacy rest apis for frontend consumption, enterprise api governance with schema checks and audit logs, reducing frontend over-fetching and under-fetching of data. Of those, federating multiple backend services into one graphql api and wrapping legacy rest apis for frontend consumption are not what Toqio is typically brought in for.
What can Apollo GraphQL do that Toqio cannot?
Apollo GraphQL covers Apollo Connectors, GraphOS Router, Schema registry, Schema checks. Toqio covers No code product builder, Provider orchestration, Account and card modules, Embedded financing.

Answered from the vendors’ own pages

Apollo GraphQL: What does Apollo GraphQL cost?

The Free plan supports up to 3 developers at no cost. Developer plan starts at $5 per million requests with a $50 signup credit, while Standard and Enterprise require contacting sales for custom pricing.

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.

Apollo GraphQL: Is there a free plan and what are its limits?

Yes, the Free 'Forever Free' plan supports up to 3 developers, 1-day data retention for checks and insights, and a self-hosted router capped at 60 requests per minute.

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.

Apollo GraphQL: How is usage metered on paid plans?

Standard requests are billed per million operations with tiered volume discounts, starting at $5.00/million for the first 250M and dropping to $3.00/million beyond 5B, with similar tiered pricing for subscription update events.

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.

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