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APIs · head to head

REST Client VSCode vs Toqio

REST Client VSCode logo

REST Client VSCode

APIs

VSCode extension for making HTTP requests and testing REST APIs

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 REST Client VSCode has a free tier, so it costs nothing to try first.
  • Each has a real cost: REST Client VSCode limited to Visual Studio Code; not available as a standalone application; 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: REST Client VSCode covers REST Client, 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 REST Client VSCode and Toqio actually diverge.

Attributes where REST Client VSCode and Toqio differ
AttributeREST Client VSCodeToqio
Starting priceFreeOn request
Pricing modelUnknownquote
Free tierYesNo
PlatformsWindows, macOS, LinuxWeb, iOS, Android, API
Founded2016Unknown

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 REST Client VSCode

  • REST Client
  • HTTP requests
  • Response viewing
  • VSCode
  • Environment variables
  • Custom headers
  • VSCode extension 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.

REST Client VSCode

  • API Developmentnot Toqio
  • API Gatewaynot Toqio
  • API Testingnot Toqio
  • API Documentationnot Toqio
  • Microservicesnot Toqio

Toqio

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

Where each one falls short

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

REST Client VSCode

  • Limited to Visual Studio Code; not available as a standalone application
  • No support for WebSocket, gRPC, or other advanced protocols
  • No cloud sync or team server features; requires Git-based workflow

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

REST Client VSCode

Free

No published plan breakdown. See the REST Client VSCode 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 REST Client VSCode if

  • You need rest client.
  • You want to start without paying.
  • You work on Windows, macOS, Linux.
  • You also want http requests.
REST Client VSCode 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 REST Client VSCode or Toqio better?
Neither clearly leads. REST Client VSCode 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, REST Client VSCode or Toqio?
REST Client VSCode has a free tier; the other does not. Paid plans start at Free for REST Client VSCode and On request for Toqio.
Does REST Client VSCode or Toqio run on more platforms?
REST Client VSCode runs on Windows, macOS, Linux. Toqio runs on Web, iOS, Android, API.
Can I use REST Client VSCode for free?
Yes. REST Client VSCode has a free tier, so you can try it without paying. Toqio starts at On request.
What is REST Client VSCode best used for?
REST Client VSCode is most often used for api development, api gateway, api testing, api documentation. Of those, api development and api gateway are not what Toqio is typically brought in for.
What can REST Client VSCode do that Toqio cannot?
REST Client VSCode covers REST Client, HTTP requests, Response viewing, VSCode. Toqio covers No code product builder, Provider orchestration, Account and card modules, Embedded financing.

Answered from the vendors’ own pages

REST Client VSCode: How much does REST Client VSCode cost?

REST Client VSCode is completely free and open source. It is available on the Visual Studio Code Marketplace with no subscription or licensing fees.

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.

REST Client VSCode: What authentication methods does REST Client support?

REST Client supports Basic Auth, Digest Auth, SSL certificates, Azure AD, and AWS Signature v4 authentication for API requests.

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.

REST Client VSCode: Can I save and manage multiple requests?

Yes. REST Client supports multiple requests per file using ### delimiters, request history with auto-save, environment variables for different configurations, and code snippet generation for multiple programming languages.

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.

REST Client VSCode: How do teams collaborate with REST Client?

REST Client requests are stored as text files that can be version-controlled in Git repositories. Teams collaborate by sharing requests through Git, making the API specs part of the codebase.

Source
REST Client VSCode: What protocols does REST Client support?

REST Client primarily supports HTTP/HTTPS and GraphQL. It does not support WebSocket, gRPC, or other advanced protocols available in desktop clients like Insomnia.

Source
REST Client VSCode: Is there cloud sync for REST Client requests?

No. REST Client has no built-in cloud sync or team server features. All collaboration and sharing relies on Git repository management.

Source
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