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APIs · head to head

Gravitee vs Toqio

Gravitee logo

Gravitee

APIs

Open source API management platform for event-native 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 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; 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: Gravitee covers API Gateway, 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 Gravitee and Toqio actually diverge.

Attributes where Gravitee and Toqio differ
AttributeGraviteeToqio
Starting priceFreeOn request
Pricing modelfreemiumquote
Free tierYesNo
PlatformsCloud, On-premise, KubernetesWeb, iOS, Android, 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 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.

Gravitee

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

Toqio

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

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

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

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 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 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 Gravitee or Toqio better?
Neither clearly leads. Gravitee 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, Gravitee or Toqio?
Gravitee has a free tier; the other does not. Paid plans start at Free for Gravitee and On request for Toqio.
Does Gravitee or Toqio run on more platforms?
Gravitee runs on Cloud, On-premise, Kubernetes. Toqio runs on Web, iOS, Android, API.
Can I use Gravitee for free?
Yes. Gravitee has a free tier, so you can try it without paying. Toqio 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 Toqio is typically brought in for.
What can Gravitee do that Toqio cannot?
Gravitee covers API Gateway, Developer Portal, Analytics Dashboard, Kubernetes. Toqio covers No code product builder, Provider orchestration, Account and card modules, Embedded financing.

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
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.

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
Toqio: Who is it aimed at?

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

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
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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