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APIs · head to head

Payload CMS vs Thunder Client

Payload CMS logo

Payload CMS

APIs

Modern TypeScript-first headless CMS with REST and GraphQL APIs

From
Free
Rated
-
Full reviewWebsite
Thunder Client logo

Thunder Client

APIs

Lightweight REST API client built as VSCode extension

From
Free
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: Payload CMS payload is a Next.js fullstack framework and installs into a Next.js app, so it is not framework-agnostic; Thunder Client paid plans are billed annually only: Starter is $3 per user per month and capped at a maximum of 10 seats, Business is $7 per user per month with 500 monthly collection runs per user, and Enterprise is $16 per user per month for unlimited runs
  • They diverge on capability: Payload CMS covers REST API, Thunder Client covers REST Client.
  • Prices and features above were last checked on 30 August 2026.

Where they differ

Only the attributes on which Payload CMS and Thunder Client actually diverge.

Attributes where Payload CMS and Thunder Client differ
AttributePayload CMSThunder Client
Pricing modelopen-sourcefreemium
PlatformsNode.js, Self-hostedVSCode extension, Web
Founded20202021

Identical on both: starting price (Free), free tier (Yes), 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 Payload CMS

  • REST API
  • GraphQL API
  • Versioning
  • TypeScript
  • Node.js
  • Databases
  • Custom plugins
  • Node.js support

Only in Thunder Client

  • REST Client
  • Environment variables
  • Response testing
  • VSCode
  • GitHub
  • Webhook support
  • VSCode extension support
  • Web support

What people use each for

The jobs each tool is most often brought in to do.

Payload CMS

  • Running a headless, TypeScript-configured CMS you self-hostnot Thunder Client
  • Generating an admin panel plus REST and GraphQL APIs from a code confignot Thunder Client
  • Digital asset management and headless e-commerce back endsnot Thunder Client

Thunder Client

  • API Developmentnot Payload CMS
  • API Gatewaynot Payload CMS
  • API Testingnot Payload CMS
  • API Documentationnot Payload CMS
  • Microservicesnot Payload CMS

Where each one falls short

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

Payload CMS

  • Payload is a Next.js fullstack framework and installs into a Next.js app, so it is not framework-agnostic
  • Database support is limited to MongoDB and Postgres
  • SSO is an Enterprise-only feature
  • Publishing workflows, the visual editor, static A/B testing and AI auto-embedding are listed as Enterprise features
  • Enterprise is sold through a Schedule a Demo form with no published price
  • Free support is through a Discord community rather than a vendor support channel

Thunder Client

  • Paid plans are billed annually only: Starter is $3 per user per month and capped at a maximum of 10 seats, Business is $7 per user per month with 500 monthly collection runs per user, and Enterprise is $16 per user per month for unlimited runs

Pricing, plan by plan

Payload CMS

Free
  • Open SourceFree
    • Full PayloadCMS
    • Self-hosted
    • Community support

Thunder Client

Free
  • FreeFree
    • REST client
    • Collection management
    • Local testing
  • Pro$8/monthly
    • Cloud sync
    • Team collaboration
    • Advanced features

Which should you pick?

Choose Payload CMS if

  • You need rest api.
  • You want to start without paying.
  • You work on Node.js, Self-hosted.
  • You also want graphql api.
Payload CMS review

Choose Thunder Client if

  • You need rest client.
  • You want to start without paying.
  • You work on VSCode extension, Web.
  • You also want environment variables.
Thunder Client review

Questions people ask

Is Payload CMS or Thunder Client better?
Neither clearly leads. Payload CMS starts at Free and Thunder Client at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Payload CMS or Thunder Client?
Payload CMS starts at Free and Thunder Client at Free.
Does Payload CMS or Thunder Client run on more platforms?
Payload CMS runs on Node.js, Self-hosted. Thunder Client runs on VSCode extension, Web.
Can I use Payload CMS for free?
Both have a free tier, so you can try either at no cost before committing.
What is Payload CMS best used for?
Payload CMS is most often used for running a headless, typescript-configured cms you self-host, generating an admin panel plus rest and graphql apis from a code config, digital asset management and headless e-commerce back ends. Of those, running a headless, typescript-configured cms you self-host and generating an admin panel plus rest and graphql apis from a code config are not what Thunder Client is typically brought in for.
What can Payload CMS do that Thunder Client cannot?
Payload CMS covers REST API, GraphQL API, Versioning, TypeScript. Thunder Client covers REST Client, Environment variables, Response testing, VSCode.

Answered from the vendors’ own pages

Payload CMS: How much does Payload CMS cost?

Payload CMS does not publish detailed pricing information on its main website. The site indicates a divide between self-hosted open-source development solutions and premium features, but specific costs and billing periods are not listed.

Source
Thunder Client: How much does Thunder Client cost?

Thunder Client publishes a free plan at no cost, then Starter at $3, Business at $7 and Enterprise at $16, all priced annually.

Source
Payload CMS: Does Payload CMS offer an open-source option?

Yes, Payload offers an open-source option for self-hosted development solutions, with additional enterprise features available.

Source
Thunder Client: Is Thunder Client free?

Yes, there is a free plan. It is used through the Thunder Client extension for VS Code, available from the marketplace, with limits applied compared with the paid tiers.

Source
Payload CMS: How do I learn about Payload CMS pricing?

Users can visit the /get-started page for pricing details or schedule a demo through the website to discuss pricing and enterprise options.

Source
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