APIs · head to head
Prisma vs Toqio
Toqio
APIs
No code platform for building embedded finance products on your own providers
- From
- On request
- Rated
- -
The short version
- Only Prisma has a free tier, so it costs nothing to try first.
- Each has a real cost: Prisma prisma Postgres is billed per operation, with the free tier at 100,000 operations and 500 MB of storage; 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: Prisma covers ORM, 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 Prisma and Toqio actually diverge.
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 Prisma
- ORM
- Query builder
- Auto-migrations
- Node.js
- TypeScript
- GraphQL
- REST APIs
- Node.js 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.
Prisma
- Using a type safe ORM and query layer against a Postgres databasenot Toqio
- Adding a managed connection pool and edge cache in front of an existing databasenot Toqio
Toqio
- A manufacturer offering branded working capital finance to its dealer networknot Prisma
- A B2B marketplace launching accounts and cards for its sellers without becoming regulated itselfnot Prisma
- A corporate that wants to switch card issuer without rebuilding its customer facing productnot Prisma
- A group launching the same embedded finance product across several markets with different local providersnot Prisma
Where each one falls short
Documented limitations, not opinions. Every one is a constraint you would hit in normal use.
Prisma
- Prisma Postgres is billed per operation, with the free tier at 100,000 operations and 500 MB of storage
- Starter at $10 a month includes 1M operations then charges $0.0080 per 1,000
- Storage overage runs from $2.00 per GB on Starter down to $1.00 per GB on Business, so the unit cost depends on the plan
- Accelerate charges separately per operation and per GiB of query egress beyond the first 1 KiB
- Cache tag invalidations are not included below the Pro plan and are billed per thousand above it
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
Prisma
Free- FreeFree
- 1M requests/month
- 360 GB-hours memory
- 4 vCPU-hours
- Starter$10/month
- 5M requests/month
- 1M database operations ($8 per million overage)
- 10 GB storage ($2/GB overage)
- Pro$49/month
- 20M requests/month
- 10M operations ($2 per million overage)
- 50 GB storage ($1.50/GB overage)
- Business$129/month
- 100M requests/month
- 50M operations ($1 per million overage)
- 100 GB storage
Toqio
On request- Toqio platform$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 Prisma if
- You need orm.
- You want to start without paying.
- You work on Node.js, TypeScript.
- You also want query builder.
Choose Toqio if
- You need no code product builder.
- You work on Web, iOS, Android, API.
- You also want provider orchestration.
Questions people ask
- Is Prisma or Toqio better?
- Neither clearly leads. Prisma 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, Prisma or Toqio?
- Prisma has a free tier; the other does not. Paid plans start at Free for Prisma and On request for Toqio.
- Does Prisma or Toqio run on more platforms?
- Prisma runs on Node.js, TypeScript. Toqio runs on Web, iOS, Android, API.
- Can I use Prisma for free?
- Yes. Prisma has a free tier, so you can try it without paying. Toqio starts at On request.
- What is Prisma best used for?
- Prisma is most often used for using a type safe orm and query layer against a postgres database, adding a managed connection pool and edge cache in front of an existing database. Of those, using a type safe orm and query layer against a postgres database and adding a managed connection pool and edge cache in front of an existing database are not what Toqio is typically brought in for.
- What can Prisma do that Toqio cannot?
- Prisma covers ORM, Query builder, Auto-migrations, Node.js. Toqio covers No code product builder, Provider orchestration, Account and card modules, Embedded financing.
Answered from the vendors’ own pages
Prisma: How much does Prisma cost?
Prisma is free to start with 1M requests/month. The Starter plan costs $10/month with 5M requests, the Pro plan $49/month with 20M requests, and the Business plan $129/month with 100M requests. All plans have usage-based overages.
SourceToqio: 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.
Prisma: What is Prisma's overage pricing?
Prisma charges $1 per million requests over the included amount (Starter), $2 per million database operations overage (Pro and Starter), and $1.50-$2 per GB for storage overages depending on the plan. All plans include a hard spend limit on by default.
SourceToqio: Who is it aimed at?
Large corporates and B2B ecosystem operators embedding finance for suppliers, dealers or marketplace sellers, not consumer fintech startups.
Prisma: Does Prisma include data transfer costs?
No, Prisma includes unlimited data transfer with no egress fees on all plans. Prisma ORM remains free across all tiers.
SourceToqio: 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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