Softwr

No-Code · head to head

Softr vs Toqio

Softr logo

Softr

No-Code

No-code platform for building web apps, client portals and directories from data

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 Softr has a free tier, so it costs nothing to try first.
  • Each has a real cost: Softr pricing scales with the number of app users, which can get expensive for consumer-facing 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: Softr covers Data source connectors, 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 Softr and Toqio actually diverge.

Attributes where Softr and Toqio differ
AttributeSoftrToqio
Starting priceFreeOn request
Pricing modelfreemiumquote
Free tierYesNo
PlatformswebWeb, iOS, Android, API
CategoryNo-CodeAPIs
Founded2020Unknown

Identical on both: 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 Softr

  • Data source connectors
  • Pre-built blocks
  • User authentication & permissions
  • Client portals
  • Payments
  • Custom domains

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.

Softr

  • Client and partner portalsnot Toqio
  • Internal tools on top of Airtablenot Toqio
  • Directory and marketplace websitesnot Toqio
  • MVP prototypes for startupsnot Toqio

Toqio

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

Where each one falls short

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

Softr

  • Pricing scales with the number of app users, which can get expensive for consumer-facing apps.
  • Complex custom logic requires workarounds since it lacks a full scripting layer.
  • Deep customization of UI beyond provided blocks is limited compared to code-based builders.
  • Performance depends heavily on the connected data source, e.g. Airtable API limits.

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

Softr

Free
  • FreeFree
    • Up to 3 app builders
    • 5 combined app users
    • No custom domain
  • Basic$25/month
    • 1 app builder
    • 5 Team + 5 Client users
    • 1 custom domain
  • Pro$119/month
    • 2 app builders
    • Up to 50 Team + 250 Client users
    • 1 custom domain
  • Business$395/month
    • 3 app builders
    • Up to 100 Team + 500 Client users
    • 1 custom domain

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 Softr if

  • You need data source connectors.
  • You want to start without paying.
  • You work on web.
  • You also want pre-built blocks.
Softr 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 Softr or Toqio better?
Neither clearly leads. Softr 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, Softr or Toqio?
Softr has a free tier; the other does not. Paid plans start at Free for Softr and On request for Toqio.
Does Softr or Toqio run on more platforms?
Softr runs on web. Toqio runs on Web, iOS, Android, API.
Can I use Softr for free?
Yes. Softr has a free tier, so you can try it without paying. Toqio starts at On request.
What is Softr best used for?
Softr is most often used for client and partner portals, internal tools on top of airtable, directory and marketplace websites, mvp prototypes for startups. Of those, client and partner portals and internal tools on top of airtable are not what Toqio is typically brought in for.
What can Softr do that Toqio cannot?
Softr covers Data source connectors, Pre-built blocks, User authentication & permissions, Client portals. Toqio covers No code product builder, Provider orchestration, Account and card modules, Embedded financing.

Answered from the vendors’ own pages

Softr: What does Softr cost?

Softr offers Free, Basic ($25/mo), Pro ($119/mo), Business ($395/mo), and custom Enterprise plans, with annual billing giving roughly two months free.

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.

Softr: Is there a free plan, and what are its limits?

The Free plan allows up to 3 app builders and 5 combined app users, with no custom domain included.

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.

Softr: How is usage metered?

Softr charges based on the number of app builders and app users (Team and Client), not on the number of apps published; extra users and domains cost additional monthly fees.

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.

Share

Related pages

More on Softr

More on Toqio

Keep looking

Other head to heads