Softwr

Automation Integration · head to head

Automate.io vs Toqio

Automate.io logo

Automate.io

Automation Integration

Connect and automate your cloud applications

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 Automate.io has a free tier, so it costs nothing to try first.
  • Each has a real cost: Automate.io no longer exists as a product. automate.io redirects to notion.com, which acquired the company and wound the integration service down; 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: Automate.io covers Multi-step automations, 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 Automate.io and Toqio actually diverge.

Attributes where Automate.io and Toqio differ
AttributeAutomate.ioToqio
Starting priceFreeOn request
Pricing modelusage-basedquote
Free tierYesNo
PlatformsWeb, MobileWeb, iOS, Android, API
CategoryAutomation IntegrationAPIs
Founded2014Unknown

Identical on both: user rating (Not yet rated).

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 Automate.io

  • Multi-step automations
  • Conditional logic
  • Data mapping
  • Error handling
  • Scheduling
  • Webhooks
  • API integrations
  • 500+ apps

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.

Automate.io

  • Workflow Automationnot Toqio
  • Data Integrationnot Toqio
  • Process Automationnot Toqio
  • App Integrationnot Toqio
  • API Connectivitynot Toqio

Toqio

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

Where each one falls short

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

Automate.io

  • No longer exists as a product. automate.io redirects to notion.com, which acquired the company and wound the integration service down
  • Existing automations were not portable to Notion, so users had to rebuild elsewhere

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

Automate.io

Free
  • FreeFree
    • 250 tasks/month
    • 2 automations
  • Starter$15/month
    • 5000 tasks/month
    • Unlimited automations
    • Email support
  • Professional$50/month
    • Unlimited tasks
    • Priority support
    • Advanced features

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 Automate.io if

  • You need multi-step automations.
  • You want to start without paying.
  • You work on Web, Mobile.
  • You also want conditional logic.
Automate.io 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 Automate.io or Toqio better?
Neither clearly leads. Automate.io 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, Automate.io or Toqio?
Automate.io has a free tier; the other does not. Paid plans start at Free for Automate.io and On request for Toqio.
Does Automate.io or Toqio run on more platforms?
Automate.io runs on Web, Mobile. Toqio runs on Web, iOS, Android, API.
Can I use Automate.io for free?
Yes. Automate.io has a free tier, so you can try it without paying. Toqio starts at On request.
What is Automate.io best used for?
Automate.io is most often used for workflow automation, data integration, process automation, app integration. Of those, workflow automation and data integration are not what Toqio is typically brought in for.
What can Automate.io do that Toqio cannot?
Automate.io covers Multi-step automations, Conditional logic, Data mapping, Error handling. Toqio covers No code product builder, Provider orchestration, Account and card modules, Embedded financing.

Answered from the vendors’ own pages

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.

Toqio: Who is it aimed at?

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

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 Automate.io

More on Toqio

Keep looking

Other head to heads