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APIs · head to head

Pusher vs Toqio

Pusher logo

Pusher

APIs

Realtime messaging API for building live features into apps

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 Pusher has a free tier, so it costs nothing to try first.
  • Each has a real cost: Pusher the free Sandbox plan is capped at 100 concurrent connections, which is quickly outgrown by production apps.; 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: Pusher covers Pub/sub channels, 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 Pusher and Toqio actually diverge.

Attributes where Pusher and Toqio differ
AttributePusherToqio
Starting priceFreeOn request
Pricing modelfreemiumquote
Free tierYesNo

Identical on both: platforms (web, ios, android, api), 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 Pusher

  • Pub/sub channels
  • Presence channels
  • Client libraries
  • Webhooks
  • 24/7 monitoring
  • Priority 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.

Pusher

  • Adding live chat to a web or mobile appnot Toqio
  • Showing realtime presence of online usersnot Toqio
  • Pushing live notifications or dashboard updatesnot Toqio
  • Building collaborative features without managing WebSocket serversnot Toqio

Toqio

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

Where each one falls short

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

Pusher

  • The free Sandbox plan is capped at 100 concurrent connections, which is quickly outgrown by production apps.
  • Pricing jumps sharply between tiers (e.g. $49 to $99 to $299), leaving few options for teams with moderate but growing usage.
  • Priority support with faster response times costs an additional $3,000/month on top of plan pricing.

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

Pusher

Free
  • SandboxFree
    • 200k messages/day
    • 100 concurrent connections
    • Standard support
  • Startup$49/month
    • 1M messages/day
    • 500 concurrent connections
  • Pro$99/month
    • 4M messages/day
    • 2,000 concurrent connections
  • Business$299/month
    • 10M messages/day
    • 5,000 concurrent connections
    • Premium support

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 Pusher if

  • You need pub/sub channels.
  • You want to start without paying.
  • You work on web, ios, android, api.
  • You also want presence channels.
Pusher 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 Pusher or Toqio better?
Neither clearly leads. Pusher 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, Pusher or Toqio?
Pusher has a free tier; the other does not. Paid plans start at Free for Pusher and On request for Toqio.
Does Pusher or Toqio run on more platforms?
Pusher runs on web, ios, android, api. Toqio runs on Web, iOS, Android, API.
Can I use Pusher for free?
Yes. Pusher has a free tier, so you can try it without paying. Toqio starts at On request.
What is Pusher best used for?
Pusher is most often used for adding live chat to a web or mobile app, showing realtime presence of online users, pushing live notifications or dashboard updates, building collaborative features without managing websocket servers. Of those, adding live chat to a web or mobile app and showing realtime presence of online users are not what Toqio is typically brought in for.
What can Pusher do that Toqio cannot?
Pusher covers Pub/sub channels, Presence channels, Client libraries, Webhooks. Toqio covers No code product builder, Provider orchestration, Account and card modules, Embedded financing.

Answered from the vendors’ own pages

Pusher: What does Pusher cost?

Pusher Channels offers a free Sandbox plan (200k messages/day, 100 connections) and paid plans starting at $49/month for Startup, scaling up through Pro, Business, and several higher tiers up to $1,199/month, plus 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.

Pusher: Can I change or cancel my plan?

Yes, customers can log into the dashboard and adjust their plan at any time, including upgrading, downgrading, or cancelling.

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.

Pusher: How is usage metered?

Usage is measured by concurrent connections and messages per day; a message counts both the publish and each delivery, so publishing one message to 50 subscribers counts as 51 messages.

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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