Softwr

APIs · head to head

Janus Gateway vs Toqio

Janus Gateway logo

Janus Gateway

APIs

WebRTC gateway and media server for real-time communication

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 Janus Gateway has a free tier, so it costs nothing to try first.
  • Each has a real cost: Janus Gateway no commercial pricing published; open-source project without official commercial offerings; 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: Janus Gateway covers WebRTC 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 Janus Gateway and Toqio actually diverge.

Attributes where Janus Gateway and Toqio differ
AttributeJanus GatewayToqio
Starting priceFreeOn request
Pricing modelopen-sourcequote
Free tierYesNo
PlatformsLinux, MacOS, BSDWeb, iOS, Android, API
Founded2010Unknown

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 Janus Gateway

  • WebRTC Gateway
  • Media Routing
  • Video Conferencing
  • RTP
  • SRTP
  • REST API
  • Linux support
  • MacOS 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.

Janus Gateway

  • API Developmentnot Toqio
  • API Gatewaynot Toqio
  • API Testingnot Toqio
  • API Documentationnot Toqio
  • Microservicesnot Toqio

Toqio

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

Where each one falls short

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

Janus Gateway

  • No commercial pricing published; open-source project without official commercial offerings
  • Community-supported only; no vendor commercial support or SLA available

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

Janus Gateway

Free
  • Open SourceFree
    • Core WebRTC gateway
    • Community support

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 Janus Gateway if

  • You need webrtc gateway.
  • You want to start without paying.
  • You work on Linux, MacOS, BSD.
  • You also want media routing.
Janus Gateway 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 Janus Gateway or Toqio better?
Neither clearly leads. Janus Gateway 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, Janus Gateway or Toqio?
Janus Gateway has a free tier; the other does not. Paid plans start at Free for Janus Gateway and On request for Toqio.
Does Janus Gateway or Toqio run on more platforms?
Janus Gateway runs on Linux, MacOS, BSD. Toqio runs on Web, iOS, Android, API.
Can I use Janus Gateway for free?
Yes. Janus Gateway has a free tier, so you can try it without paying. Toqio starts at On request.
What is Janus Gateway best used for?
Janus Gateway is most often used for api development, api gateway, api testing, api documentation. Of those, api development and api gateway are not what Toqio is typically brought in for.
What can Janus Gateway do that Toqio cannot?
Janus Gateway covers WebRTC Gateway, Media Routing, Video Conferencing, RTP. Toqio covers No code product builder, Provider orchestration, Account and card modules, Embedded financing.

Answered from the vendors’ own pages

Janus Gateway: How much does Janus Gateway cost?

Janus Gateway has no pricing model; it is a free open-source WebRTC server developed by Meetecho. The general-purpose server is available for download at no cost. There are no subscription tiers or commercial licensing fees.

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.

Janus Gateway: Is Janus Gateway supported commercially?

Janus Gateway is community-supported open-source software with no official commercial support or SLA from the vendors. While Meetecho developed the project, users must rely on community documentation and forums for assistance.

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.

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.

Share

Related pages

More on Janus Gateway

More on Toqio

Keep looking

Other head to heads