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APIs · head to head

Kong vs Toqio

Kong logo

Kong

APIs

Cloud-native API gateway and service connectivity platform

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 has a free tier, so it costs nothing to try first.
  • Each has a real cost: Kong the Plus plan includes 1M API requests a month and charges $200 a month for each additional million; 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 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 Kong and Toqio actually diverge.

Attributes where Kong and Toqio differ
AttributeKongToqio
Starting priceFreeOn request
Pricing modelsubscriptionquote
Free tierYesNo
PlatformsLinux, Docker, KubernetesWeb, 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 Kong

  • API Gateway
  • Authentication & Authorization
  • Rate Limiting
  • Kubernetes
  • Consul
  • Eureka
  • PostgreSQL
  • Linux 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.

Kong

  • API gateway management and routingnot Toqio
  • API development and testingnot Toqio
  • Enterprise API security and governancenot Toqio

Toqio

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

Where each one falls short

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

Kong

  • The Plus plan includes 1M API requests a month and charges $200 a month for each additional million
  • Plus is capped at 10M requests a month, so growth past that forces an Enterprise contract
  • Plus limits published APIs to 20 and includes one Developer Portal, with a second at $200 a month
  • SSO and audit logging are Enterprise only
  • Enterprise pricing is custom and billed annually

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

Free
  • Kong Konnect Free TrialFree
    • 30-day free trial
    • Full enterprise functionality
    • Unlimited gateways
  • Kong Konnect Plus$null/month
    • Per gateway pricing billed monthly
    • Up to 5 Serverless Gateways, 2 Hybrid, 2 Dedicated Cloud Gateways
    • 1M API requests included per month
  • Kong Insomnia EssentialsFree
    • Unlimited projects and CLI access
    • Up to 3 Git Sync users
    • 1,000 mock server requests per month
  • Kong Insomnia Pro$12/month
    • Unlimited users with Git Sync access
    • Unlimited organizations
    • RBAC

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 if

  • You need api gateway.
  • You want to start without paying.
  • You work on Linux, Docker, Kubernetes.
  • You also want authentication & authorization.
Kong 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 or Toqio better?
Neither clearly leads. Kong 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 or Toqio?
Kong has a free tier; the other does not. Paid plans start at Free for Kong and On request for Toqio.
Does Kong or Toqio run on more platforms?
Kong runs on Linux, Docker, Kubernetes. Toqio runs on Web, iOS, Android, API.
Can I use Kong for free?
Yes. Kong has a free tier, so you can try it without paying. Toqio starts at On request.
What is Kong best used for?
Kong is most often used for api gateway management and routing, api development and testing, enterprise api security and governance. Of those, api gateway management and routing and api development and testing are not what Toqio is typically brought in for.
What can Kong do that Toqio cannot?
Kong covers API Gateway, Authentication & Authorization, Rate Limiting, Kubernetes. Toqio covers No code product builder, Provider orchestration, Account and card modules, Embedded financing.

Answered from the vendors’ own pages

Kong: Does Kong offer a free trial?

Yes, Kong Konnect offers a 30-day free trial with full enterprise functionality, unlimited gateways, and no credit card required.

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: How much does Kong Insomnia Pro cost?

Kong Insomnia Pro is $12 per user per month with 15% savings available for annual billing.

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: What are Kong Konnect Plus API request limits?

Kong Konnect Plus includes 1M API requests per month; additional requests cost $200 per 1M (maximum 10M per month).

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.

Kong: What is included in Kong Insomnia Enterprise?

Kong Insomnia Enterprise is $45 per user per month with SSO, SCIM, vault integrations, unlimited mock server requests, and Konnect integration.

Source
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