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APIs · head to head

Portkey vs Toqio

Portkey logo

Portkey

APIs

Observe, govern, and secure every AI interaction across your enterprise

From
On request
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

  • Each has a real cost: Portkey the free Developer tier records only 10,000 logs per month with 3 day log retention; the $49 per month Production tier raises that to 100,000 logs with $9 per additional 100,000 requests, as of August 2026.; 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.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Portkey and Toqio actually diverge.

Attributes where Portkey and Toqio differ
AttributePortkeyToqio
Pricing modelUnknownquote
PlatformsWebWeb, iOS, Android, API

Identical on both: starting price (On request), free tier (No), 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 Portkey

Nothing recorded that Toqio does not also cover.

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.

Portkey

  • Accessing 1,600+ language models through unified API gatewaynot Toqio
  • Monitoring and observing LLM behavior in production environmentsnot Toqio
  • Managing costs and setting budget limits for AI spendingnot Toqio
  • Implementing guardrails and PII redaction for secure AI interactionsnot Toqio

Toqio

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

Where each one falls short

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

Portkey

  • The free Developer tier records only 10,000 logs per month with 3 day log retention; the $49 per month Production tier raises that to 100,000 logs with $9 per additional 100,000 requests, as of August 2026.

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

Portkey

On request

No published plan breakdown. See the Portkey review.

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 Portkey if

Nothing in the data separates Portkey from Toqio on the points above - pick on price and on how each one feels to use.

Portkey 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 Portkey or Toqio better?
Neither clearly leads. Portkey starts at On request and Toqio at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Portkey or Toqio?
Portkey starts at On request and Toqio at On request.
Does Portkey or Toqio run on more platforms?
Portkey runs on Web. Toqio runs on Web, iOS, Android, API.
What is Portkey best used for?
Portkey is most often used for accessing 1,600+ language models through unified api gateway, monitoring and observing llm behavior in production environments, managing costs and setting budget limits for ai spending, implementing guardrails and pii redaction for secure ai interactions. Of those, accessing 1,600+ language models through unified api gateway and monitoring and observing llm behavior in production environments are not what Toqio is typically brought in for.
What can Portkey do that Toqio cannot?
Toqio covers No code product builder, Provider orchestration, Account and card modules, Embedded financing.

Answered from the vendors’ own pages

Portkey: What happens if I exceed my Portkey plan's request limit?

Production tier ($49/month) charges $9 per additional 100,000 requests beyond the included 100,000. Enterprise customers have custom limits determined through their service agreement. Source: https://portkey.ai/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.

Portkey: Can I self-host Portkey to avoid per-request billing?

Yes. Portkey offers an Open Source self-hosted version with unlimited requests at no cost, including universal API, routing, guardrails, and load balancing features. Source: https://portkey.ai/pricing

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.

Portkey: How long does Portkey retain my logs and metrics?

Free Developer tier retains logs 3 days and metrics 30 days. Production tier retains logs 30 days and metrics 90 days. Enterprise tier offers custom retention periods. Source: https://portkey.ai/pricing

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.

Portkey: What compliance features are included in the Enterprise plan?

Enterprise tier includes SOC2 Type 2 certification, GDPR compliance, HIPAA compliance, VPC hosting, SSO, advanced guardrails, and dedicated support. Custom pricing required. Source: https://portkey.ai/pricing

Source
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