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No-Code · head to head

Directual vs Toqio

Directual logo

Directual

No-Code

No-code backend with a visual workflow engine, used behind other tools rather than instead of them

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 Directual has a free tier, so it costs nothing to try first.
  • Each has a real cost: Directual the front-end builder is basic, so any project needing a designed interface means learning and paying for a second tool, and time to launch is closer to a two-system build than a one-tool build.; 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: Directual covers Visual database designer, 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 Directual and Toqio actually diverge.

Attributes where Directual and Toqio differ
AttributeDirectualToqio
Starting priceFreeOn request
Free tierYesNo
PlatformsWebWeb, iOS, Android, API
CategoryNo-CodeAPIs

Identical on both: pricing model (quote), 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 Directual

  • Visual database designer
  • Scenario builder
  • Generated API endpoints
  • Event-driven triggers
  • Role and permission model
  • Scheduled jobs
  • Basic web page builder
  • Self-hosted deployment

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.

Directual

  • Providing the backend for a Webflow or FlutterFlow front end that needs real data, authentication and logicnot Toqio
  • Replacing an Airtable base that has outgrown its row limits without hiring a backend developernot Toqio
  • Event-driven workflows such as order processing or scheduled billing runs that must run without a person triggering themnot Toqio
  • Organisations with a data residency requirement that rules out most no-code platforms, using the self-hosted tiernot Toqio

Toqio

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

Where each one falls short

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

Directual

  • The front-end builder is basic, so any project needing a designed interface means learning and paying for a second tool, and time to launch is closer to a two-system build than a one-tool build.
  • Visual scenarios become unreadable once the logic is non-trivial; a workflow that would be forty lines of code sprawls across a canvas, and reviewing what a colleague built is slow.
  • Debugging asynchronous, event-triggered scenarios is harder than debugging code, because failures surface as records left in an unexpected state rather than as a stack trace at the point of failure.
  • Self-hosting is confined to the top commercial tier, so the ownership advantage is available only to buyers already spending at the high end.
  • The pool of agencies and freelancers who know Directual is small next to Bubble or Airtable, so handing a finished system to someone else to maintain is harder and more expensive.

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

Directual

Free
  • Directual$undefined/month
    • Free tier with capped records and API calls
    • Paid tiers priced by database rows, API calls and scenario runs
    • Self-hosted deployment on the top tier only

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 Directual if

  • You need visual database designer.
  • You want to start without paying.
  • You also want scenario builder.
Directual 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 Directual or Toqio better?
Neither clearly leads. Directual 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, Directual or Toqio?
Directual has a free tier; the other does not. Paid plans start at Free for Directual and On request for Toqio.
Does Directual or Toqio run on more platforms?
Directual runs on Web. Toqio runs on Web, iOS, Android, API.
Can I use Directual for free?
Yes. Directual has a free tier, so you can try it without paying. Toqio starts at On request.
What is Directual best used for?
Directual is most often used for providing the backend for a webflow or flutterflow front end that needs real data, authentication and logic, replacing an airtable base that has outgrown its row limits without hiring a backend developer, event-driven workflows such as order processing or scheduled billing runs that must run without a person triggering them, organisations with a data residency requirement that rules out most no-code platforms, using the self-hosted tier. Of those, providing the backend for a webflow or flutterflow front end that needs real data, authentication and logic and replacing an airtable base that has outgrown its row limits without hiring a backend developer are not what Toqio is typically brought in for.
What can Directual do that Toqio cannot?
Directual covers Visual database designer, Scenario builder, Generated API endpoints, Event-driven triggers. Toqio covers No code product builder, Provider orchestration, Account and card modules, Embedded financing.

Answered from the vendors’ own pages

Directual: Is Directual a replacement for Bubble?

Not directly. Bubble builds the whole application; Directual builds the backend and expects you to bring a front end such as Webflow or FlutterFlow.

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.

Directual: Can I host it myself?

Yes, on the top commercial tier. That is unusual in no-code and it is the main reason regulated buyers look at it at all.

Toqio: Who is it aimed at?

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

Directual: How does it cope with large data volumes?

It is built on a real database with indexing rather than a spreadsheet abstraction, so record counts that break Airtable-class tools are within its normal range.

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.

Directual: What happens to my logic if I leave?

The data exports and the API is documented, but scenarios are platform-specific and have to be reimplemented, unless you are already on the self-hosted tier.

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