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APIs · head to head

Gravitee vs Token.io

Gravitee logo

Gravitee

APIs

Open source API management platform for event-native APIs

From
Free
Rated
-
Full reviewWebsite
Token.io logo

Token.io

APIs

Account to account pay by bank infrastructure across the UK and Europe

From
On request
Rated
-
Full reviewWebsite

The short version

  • Only Gravitee has a free tier, so it costs nothing to try first.
  • Each has a real cost: Gravitee the entry paid API management tier is $2,500 a month and includes a single production gateway; Token.io account to account payments carry no chargeback scheme, so merchants gain cost savings but consumers lose the dispute protection cards provide, which limits adoption in general retail.
  • They diverge on capability: Gravitee covers API Gateway, Token.io covers Payment initiation.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Gravitee and Token.io actually diverge.

Attributes where Gravitee and Token.io differ
AttributeGraviteeToken.io
Starting priceFreeOn request
Pricing modelfreemiumquote
Free tierYesNo
PlatformsCloud, On-premise, KubernetesWeb, API
Founded2015Unknown

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 Gravitee

  • API Gateway
  • Developer Portal
  • Analytics Dashboard
  • Kubernetes
  • Docker
  • Kafka
  • LDAP
  • Cloud support

Only in Token.io

  • Payment initiation
  • Variable recurring payments
  • Bank network coverage
  • giroAPI membership
  • Payouts and refunds
  • Data and account information
  • Hosted payment pages
  • Reconciliation reporting

What people use each for

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

Gravitee

  • API gateway and lifecycle managementnot Token.io
  • Exposing Kafka event streams as managed APIsnot Token.io
  • Protocol mediation between event brokers and clientsnot Token.io
  • Self-hosting an open source API gatewaynot Token.io
  • Access control and authentication in front of internal APIsnot Token.io

Token.io

  • A utility or telecom collecting high value bills where card interchange makes acceptance expensivenot Gravitee
  • An investment or trading platform funding customer accounts without card chargeback exposurenot Gravitee
  • A payment service provider adding pay by bank to its merchant proposition without building bank connectivitynot Gravitee
  • A German merchant using giroAPI scheme access for recurring and future dated bank paymentsnot Gravitee

Where each one falls short

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

Gravitee

  • The entry paid API management tier is $2,500 a month and includes a single production gateway
  • Event management is priced separately, starting at $1,250 a month for the Comet tier
  • Tiers are gated on gateway and broker counts, so scaling horizontally means moving tier rather than paying incrementally
  • Data logging masking and other enterprise features are withheld from the lowest paid tier
  • 24/7 support requires the top Universe tier

Token.io

  • Account to account payments carry no chargeback scheme, so merchants gain cost savings but consumers lose the dispute protection cards provide, which limits adoption in general retail.
  • Conversion depends on each bank's own authentication journey, and slow or broken bank redirects cost sales in ways the merchant cannot fix or even always diagnose.
  • Variable recurring payments beyond sweeping are still being rolled out unevenly across banks and markets, so a subscription use case may be supported at one bank and not another.
  • Token.io initiates payments rather than acting as acquirer of record, so merchants still need settlement, safeguarding and reconciliation arrangements elsewhere.
  • Coverage and feature parity vary by country, so a pan European rollout means different capabilities and different bank behaviour in each market rather than one uniform product.

Pricing, plan by plan

Gravitee

Free
  • CommunityFree
    • API Gateway
    • Basic analytics
    • Community support
  • Enterprise$1500/monthly
    • Advanced features
    • SLA support
    • SSO integration
  • Custom$undefined/monthly
    • Custom deployment
    • Dedicated support
    • Premium SLA

Token.io

On request
  • Token.io platform$undefined/year
    • Quoted per customer, typically per initiated payment
    • Volume tiers and monthly minimums are common
    • No interchange, so unit cost is usually well below card acceptance

Which should you pick?

Choose Gravitee if

  • You need api gateway.
  • You want to start without paying.
  • You work on Cloud, On-premise, Kubernetes.
  • You also want developer portal.
Gravitee review

Choose Token.io if

  • You need payment initiation.
  • You work on Web, API.
  • You also want variable recurring payments.
Token.io review

Questions people ask

Is Gravitee or Token.io better?
Neither clearly leads. Gravitee starts at Free and Token.io at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Gravitee or Token.io?
Gravitee has a free tier; the other does not. Paid plans start at Free for Gravitee and On request for Token.io.
Does Gravitee or Token.io run on more platforms?
Gravitee runs on Cloud, On-premise, Kubernetes. Token.io runs on Web, API.
Can I use Gravitee for free?
Yes. Gravitee has a free tier, so you can try it without paying. Token.io starts at On request.
What is Gravitee best used for?
Gravitee is most often used for api gateway and lifecycle management, exposing kafka event streams as managed apis, protocol mediation between event brokers and clients, self-hosting an open source api gateway. Of those, api gateway and lifecycle management and exposing kafka event streams as managed apis are not what Token.io is typically brought in for.
What can Gravitee do that Token.io cannot?
Gravitee covers API Gateway, Developer Portal, Analytics Dashboard, Kubernetes. Token.io covers Payment initiation, Variable recurring payments, Bank network coverage, giroAPI membership.

Answered from the vendors’ own pages

Gravitee: What is Gravitee's pricing model?

Gravitee uses a tiered subscription model with monthly flat pricing. The Planet tier for API Management starts at $2,500/month with one production gateway, while the Comet tier for Event Management starts at $1,250/month.

Source
Token.io: Does pay by bank remove card fees?

It removes interchange and scheme fees, so unit cost is normally far below card acceptance, particularly on high value payments.

Gravitee: Are there hidden fees with Gravitee?

No. Gravitee explicitly states there are no hidden fees, and all tiers include unlimited users and unlimited APIs under management.

Source
Token.io: What about chargebacks?

There are none. That is the cost saving and the consumer protection gap, which is why it suits bills, top ups and account funding more than retail.

Gravitee: What does higher tier pricing include in Gravitee?

Higher tiers add more production gateways, enterprise plugins, and enhanced support levels ranging from Gold to Platinum/Diamond support.

Source
Token.io: Is Token.io regulated?

Yes, it is an authorised third party provider under UK and European open banking rules, but it initiates payments rather than holding merchant funds as an acquirer.

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