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APIs · head to head

Kong Gateway vs Toqio

Kong Gateway logo

Kong Gateway

APIs

Open-source and cloud API gateway for managing microservices traffic

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 Kong Gateway has a free tier, so it costs nothing to try first.
  • Each has a real cost: Kong Gateway the free open-source gateway lacks the analytics, portals, and support of the paid Konnect tiers.; 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: Kong Gateway covers API request routing, 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 Kong Gateway and Toqio actually diverge.

Attributes where Kong Gateway and Toqio differ
AttributeKong GatewayToqio
Starting priceFreeOn request
Pricing modelfreemiumquote
Free tierYesNo
Platformsweb, linux, apiWeb, iOS, Android, API
Founded2017Unknown

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 Kong Gateway

  • API request routing
  • Plugin ecosystem
  • Developer portals
  • AI Gateway
  • Analytics and observability
  • SSO and audit logs

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.

Kong Gateway

  • Routing and securing traffic across microservicesnot Toqio
  • Publishing internal or external developer portalsnot Toqio
  • Managing rate limits and authentication at the API edgenot Toqio
  • Gateway-level routing to multiple LLM providersnot Toqio

Toqio

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

Where each one falls short

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

Kong Gateway

  • The free open-source gateway lacks the analytics, portals, and support of the paid Konnect tiers.
  • Plus tier caps API requests at 1M/month before incurring per-million overage charges.
  • Enterprise pricing is custom and not published, making budgeting harder without sales contact.
  • Configuration and plugin management can require significant operational expertise to run at scale.

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

Kong Gateway

Free
  • Free TrialFree
    • 30-day enterprise functionality trial
    • Unlimited gateways
    • 30-day analytics retention
  • Plus$undefined/month
    • Up to 5 serverless, 2 hybrid, 2 dedicated cloud gateways
    • 1M API requests/month included
    • Up to 2 developer portals
  • Enterprise$undefined/month
    • Unlimited hybrid and dedicated cloud gateways
    • Unlimited developer portals
    • SSO and audit logs

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 Kong Gateway if

  • You need api request routing.
  • You want to start without paying.
  • You work on web, linux, api.
  • You also want plugin ecosystem.
Kong 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 Kong Gateway or Toqio better?
Neither clearly leads. Kong 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, Kong Gateway or Toqio?
Kong Gateway has a free tier; the other does not. Paid plans start at Free for Kong Gateway and On request for Toqio.
Does Kong Gateway or Toqio run on more platforms?
Kong Gateway runs on web, linux, api. Toqio runs on Web, iOS, Android, API.
Can I use Kong Gateway for free?
Yes. Kong Gateway has a free tier, so you can try it without paying. Toqio starts at On request.
What is Kong Gateway best used for?
Kong Gateway is most often used for routing and securing traffic across microservices, publishing internal or external developer portals, managing rate limits and authentication at the api edge, gateway-level routing to multiple llm providers. Of those, routing and securing traffic across microservices and publishing internal or external developer portals are not what Toqio is typically brought in for.
What can Kong Gateway do that Toqio cannot?
Kong Gateway covers API request routing, Plugin ecosystem, Developer portals, AI Gateway. Toqio covers No code product builder, Provider orchestration, Account and card modules, Embedded financing.

Answered from the vendors’ own pages

Kong Gateway: Is Kong Gateway free?

Kong's core gateway is open source and free to self-host. Kong Konnect, the managed cloud platform, offers a 30-day free trial before moving to paid Plus or custom Enterprise pricing.

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.

Kong Gateway: How is usage metered on the Plus plan?

The Plus plan includes 1M API requests per month, with additional usage billed at $200 per extra 1 million requests up to a 10M/month cap, plus per-gateway and per-LLM-model charges.

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.

Kong Gateway: What support is included?

Plus includes email support with a 2-business-day SLA, while Enterprise adds dedicated success managers and professional services.

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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