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No-Code · head to head

Quickbase vs Toqio

Quickbase logo

Quickbase

No-Code

No-code application platform with published per-user pricing and enforced minimum seat counts

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: Quickbase both paid tiers carry an enforced minimum seat count, 20 for Team and 40 for Business, so a small team pays for seats it does not have people to fill.; 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: Quickbase covers Relational app builder, 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 Quickbase and Toqio actually diverge.

Attributes where Quickbase and Toqio differ
AttributeQuickbaseToqio
Pricing modelPer user per month, billed annually, with an enforced minimum seat count per tierquote
PlatformsWeb, iOS, AndroidWeb, iOS, Android, API
CategoryNo-CodeAPIs

Identical on both: starting price (On request), free tier (No), user rating (Not yet rated).

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 Quickbase

  • Relational app builder
  • Workflow automation
  • Reporting and dashboards
  • Pipelines integration engine
  • Mobile apps
  • App governance

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.

Quickbase

  • An operations team of at least 20 people replacing spreadsheet-based process tracking with a structured, auditable appnot Toqio
  • A mid-sized company wanting published, comparable per-user pricing rather than an opaque quote-only processnot Toqio
  • A project management office standardising workflow automation and reporting across several departmentsnot Toqio
  • A business that already knows it needs 40 or more seats, where the Business tier's minimum is not a real constraintnot Toqio

Toqio

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

Where each one falls short

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

Quickbase

  • Both paid tiers carry an enforced minimum seat count, 20 for Team and 40 for Business, so a small team pays for seats it does not have people to fill.
  • Integration Reads packages, support tier upgrades and professional services are not publicly priced, so the visible per-user rate is only part of the real annual cost.
  • It sits in an awkward middle ground: more structure than a spreadsheet or simple form tool, but less process automation depth than Appian or OutSystems for genuinely complex workflows.
  • Reporting and dashboarding are capable but not as visually sophisticated as a dedicated business intelligence tool, so heavy analytics users often still export data elsewhere.
  • App complexity that grows significantly over time can hit performance and design limitations common to no-code relational tools, requiring a rebuild on a more code-first platform.

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

Quickbase

On request
  • Team$35/month
    • Minimum 20 users required (roughly $8,400/year floor)
    • Core app building, workflow automation and reporting
    • Standard support
  • Business$55/month
    • Minimum 40 users required (roughly $26,400/year floor)
    • Advanced automation, governance and integration features
    • Priority support
  • Enterprise$undefined/year
    • Custom quote
    • Advanced governance, security and integration read package volumes
    • Dedicated account management

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 Quickbase if

  • You need relational app builder.
  • You work on Web, iOS, Android.
  • You also want workflow automation.
Quickbase 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 Quickbase or Toqio better?
Neither clearly leads. Quickbase 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, Quickbase or Toqio?
Quickbase starts at On request and Toqio at On request.
Does Quickbase or Toqio run on more platforms?
Quickbase runs on Web, iOS, Android. Toqio runs on Web, iOS, Android, API.
What is Quickbase best used for?
Quickbase is most often used for an operations team of at least 20 people replacing spreadsheet-based process tracking with a structured, auditable app, a mid-sized company wanting published, comparable per-user pricing rather than an opaque quote-only process, a project management office standardising workflow automation and reporting across several departments, a business that already knows it needs 40 or more seats, where the business tier's minimum is not a real constraint. Of those, an operations team of at least 20 people replacing spreadsheet-based process tracking with a structured, auditable app and a mid-sized company wanting published, comparable per-user pricing rather than an opaque quote-only process are not what Toqio is typically brought in for.
What can Quickbase do that Toqio cannot?
Quickbase covers Relational app builder, Workflow automation, Reporting and dashboards, Pipelines integration engine. Toqio covers No code product builder, Provider orchestration, Account and card modules, Embedded financing.

Answered from the vendors’ own pages

Quickbase: Can I buy fewer than 20 seats?

No. The Team plan enforces a 20-user minimum and Business enforces 40, so smaller teams pay for the floor regardless of actual headcount.

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.

Quickbase: Is per-user pricing genuinely published?

Yes, unlike most enterprise low-code vendors, Quickbase publishes real per-user monthly rates for Team and Business; Enterprise remains quote-only.

Toqio: Who is it aimed at?

Large corporates and B2B ecosystem operators embedding finance for suppliers, dealers or marketplace sellers, not consumer fintech startups.

Quickbase: What is not included in the per-user price?

Integration Reads packages, support tier upgrades and professional services are priced separately and are not publicly listed.

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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