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APIs · head to head

GraphQL Apollo vs Toqio

GraphQL Apollo logo

GraphQL Apollo

APIs

Complete platform for building GraphQL APIs

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 GraphQL Apollo has a free tier, so it costs nothing to try first.
  • Each has a real cost: GraphQL Apollo standard and Enterprise plans require sales contact for custom pricing; 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: GraphQL Apollo covers Apollo Server, 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 GraphQL Apollo and Toqio actually diverge.

Attributes where GraphQL Apollo and Toqio differ
AttributeGraphQL ApolloToqio
Starting priceFreeOn request
Pricing modelfreemiumquote
Free tierYesNo
PlatformsJavaScript, Node.js, Web, MobileWeb, iOS, Android, API
Founded2016Unknown

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 GraphQL Apollo

  • Apollo Server
  • Apollo Client
  • GraphQL Federation
  • REST APIs
  • Microservices
  • Databases
  • JavaScript support
  • Node.js 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.

GraphQL Apollo

  • GraphQL API managementnot Toqio
  • Schema federationnot Toqio
  • API analytics and monitoringnot Toqio
  • Developer-focused infrastructurenot Toqio

Toqio

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

Where each one falls short

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

GraphQL Apollo

  • Standard and Enterprise plans require sales contact for custom pricing
  • Free plan limited to 3 developers and 1-day retention
  • Self-hosted router on free tier heavily rate-limited to 60 requests/minute

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

GraphQL Apollo

Free
  • FreeFree
    • 3 developers
    • 1-day data retention
    • Community support only
  • Developer$5/per million requests
    • $50 usage credit for new signups
    • Up to 10 developers
    • 7-day data retention
  • Standard$null/custom
    • Up to 30 developers
    • 90-day data retention
    • Standard support with SLA (8x5)
  • Enterprise$null/custom
    • Unlimited developers
    • 18-month data retention
    • Business support 24x7x365 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 GraphQL Apollo if

  • You need apollo server.
  • You want to start without paying.
  • You work on JavaScript, Node.js, Web, Mobile.
  • You also want apollo client.
GraphQL Apollo 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 GraphQL Apollo or Toqio better?
Neither clearly leads. GraphQL Apollo 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, GraphQL Apollo or Toqio?
GraphQL Apollo has a free tier; the other does not. Paid plans start at Free for GraphQL Apollo and On request for Toqio.
Does GraphQL Apollo or Toqio run on more platforms?
GraphQL Apollo runs on JavaScript, Node.js, Web, Mobile. Toqio runs on Web, iOS, Android, API.
Can I use GraphQL Apollo for free?
Yes. GraphQL Apollo has a free tier, so you can try it without paying. Toqio starts at On request.
What is GraphQL Apollo best used for?
GraphQL Apollo is most often used for graphql api management, schema federation, api analytics and monitoring, developer-focused infrastructure. Of those, graphql api management and schema federation are not what Toqio is typically brought in for.
What can GraphQL Apollo do that Toqio cannot?
GraphQL Apollo covers Apollo Server, Apollo Client, GraphQL Federation, REST APIs. Toqio covers No code product builder, Provider orchestration, Account and card modules, Embedded financing.

Answered from the vendors’ own pages

GraphQL Apollo: How much does Apollo GraphQL cost?

Apollo GraphQL is free for up to 3 developers. Paid plans start at $5 per million GraphQL requests on the Developer plan, which includes $50 usage credit for new signups. Standard and Enterprise plans require custom pricing via sales contact.

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.

GraphQL Apollo: Is there a free version of Apollo GraphQL?

Yes, Apollo GraphQL offers a forever-free plan with no credit card required for up to 3 developers, including 1-day data retention, community support, and self-hosted GraphOS Router rate-limited to 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.

GraphQL Apollo: What does Apollo's Enterprise plan include that Standard does not?

The Enterprise plan offers unlimited developers versus 30 on Standard, 18-month data retention versus 90 days, and 24x7x365 business support with SLA instead of 8x5 support. It also includes premium and professional services add-ons and custom MSA agreements. Both require custom pricing.

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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