APIs · head to head
Hasura vs Token.io
Hasura
APIs
GraphQL engine that instantly creates production-ready GraphQL API from databases
- From
- Free
- Rated
- -
Token.io
APIs
Account to account pay by bank infrastructure across the UK and Europe
- From
- On request
- Rated
- -
The short version
- Only Hasura has a free tier, so it costs nothing to try first.
- Each has a real cost: Hasura active model definition: model/command accessed more than 1,000 times monthly; 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: Hasura covers GraphQL API, Token.io covers Payment initiation.
- Prices and features above were last checked on 1 September 2026.
Where they differ
Only the attributes on which Hasura and Token.io actually diverge.
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 Hasura
- GraphQL API
- Real-time subscriptions
- Access control
- PostgreSQL
- MySQL
- Webhooks
- REST APIs
- 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.
Hasura
- Automatic GraphQL API generation from existing databasesnot Token.io
- Real-time data subscriptions for modern applicationsnot Token.io
- Backend infrastructure for web and mobile applicationsnot Token.io
- Event-triggered webhooks for database changesnot Token.io
Token.io
- A utility or telecom collecting high value bills where card interchange makes acceptance expensivenot Hasura
- An investment or trading platform funding customer accounts without card chargeback exposurenot Hasura
- A payment service provider adding pay by bank to its merchant proposition without building bank connectivitynot Hasura
- A German merchant using giroAPI scheme access for recurring and future dated bank paymentsnot Hasura
Where each one falls short
Documented limitations, not opinions. Every one is a constraint you would hit in normal use.
Hasura
- Active model definition: model/command accessed more than 1,000 times monthly
- Private DDN requires Base or Advanced plan
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
Hasura
Free- DDN FreeFree
- Unlimited models
- 1 supergraph developer
- 15-minute observability retention
- DDN Base$5/month
- Per active model billing
- Unlimited developers
- 30-day observability retention
- DDN Advanced$30/month
- Per active model billing
- Federated collaboration
- Multi-repo CI/CD
Token.io
On request- Token.io platform$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 Hasura if
- You need graphql api.
- You want to start without paying.
- You also want real-time subscriptions.
Choose Token.io if
- You need payment initiation.
- You work on Web, API.
- You also want variable recurring payments.
Questions people ask
- Is Hasura or Token.io better?
- Neither clearly leads. Hasura 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, Hasura or Token.io?
- Hasura has a free tier; the other does not. Paid plans start at Free for Hasura and On request for Token.io.
- Does Hasura or Token.io run on more platforms?
- Hasura runs on Web. Token.io runs on Web, API.
- Can I use Hasura for free?
- Yes. Hasura has a free tier, so you can try it without paying. Token.io starts at On request.
- What is Hasura best used for?
- Hasura is most often used for automatic graphql api generation from existing databases, real-time data subscriptions for modern applications, backend infrastructure for web and mobile applications, event-triggered webhooks for database changes. Of those, automatic graphql api generation from existing databases and real-time data subscriptions for modern applications are not what Token.io is typically brought in for.
- What can Hasura do that Token.io cannot?
- Hasura covers GraphQL API, Real-time subscriptions, Access control, PostgreSQL. Token.io covers Payment initiation, Variable recurring payments, Bank network coverage, giroAPI membership.
Answered from the vendors’ own pages
Hasura: How much does Hasura cost?
Hasura DDN Free is free. DDN Base starts at $5/active model/month, and DDN Advanced starts at $30/active model/month.
SourceToken.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.
Hasura: What is an active model in Hasura pricing?
An active model is defined as any model or command accessed more than 1,000 times monthly.
SourceToken.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.
Hasura: Is there a free version of Hasura?
Yes, Hasura DDN Free is always free and includes unlimited models, 1 supergraph developer, and 15-minute observability retention.
SourceToken.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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