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APIs · head to head

Spring Cloud Gateway vs Toqio

Spring Cloud Gateway logo

Spring Cloud Gateway

APIs

API gateway built on Project Reactor for building microservices

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 Spring Cloud Gateway has a free tier, so it costs nothing to try first.
  • Each has a real cost: Spring Cloud Gateway released under the Apache 2.0 license, free and open source with no commercial tier; 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: Spring Cloud Gateway covers Routing, 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 Spring Cloud Gateway and Toqio actually diverge.

Attributes where Spring Cloud Gateway and Toqio differ
AttributeSpring Cloud GatewayToqio
Starting priceFreeOn request
Pricing modelopen-sourcequote
Free tierYesNo
PlatformsJava, Spring BootWeb, iOS, Android, API
Founded1998Unknown

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 Spring Cloud Gateway

  • Routing
  • Path Rewriting
  • Circuit Breaker
  • Spring Boot
  • Spring Security
  • Spring Cloud
  • Java support
  • Spring Boot 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.

Spring Cloud Gateway

  • 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 Spring Cloud Gateway
  • A B2B marketplace launching accounts and cards for its sellers without becoming regulated itselfnot Spring Cloud Gateway
  • A corporate that wants to switch card issuer without rebuilding its customer facing productnot Spring Cloud Gateway
  • A group launching the same embedded finance product across several markets with different local providersnot Spring Cloud Gateway

Where each one falls short

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

Spring Cloud Gateway

  • Released under the Apache 2.0 license, free and open source with no commercial tier

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

Spring Cloud Gateway

Free
  • Open SourceFree
    • Core Spring Cloud Gateway
    • Community 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 Spring Cloud Gateway if

  • You need routing.
  • You want to start without paying.
  • You work on Java, Spring Boot.
  • You also want path rewriting.
Spring Cloud Gateway 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 Spring Cloud Gateway or Toqio better?
Neither clearly leads. Spring Cloud Gateway 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, Spring Cloud Gateway or Toqio?
Spring Cloud Gateway has a free tier; the other does not. Paid plans start at Free for Spring Cloud Gateway and On request for Toqio.
Does Spring Cloud Gateway or Toqio run on more platforms?
Spring Cloud Gateway runs on Java, Spring Boot. Toqio runs on Web, iOS, Android, API.
Can I use Spring Cloud Gateway for free?
Yes. Spring Cloud Gateway has a free tier, so you can try it without paying. Toqio starts at On request.
What is Spring Cloud Gateway best used for?
Spring Cloud Gateway 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 Spring Cloud Gateway do that Toqio cannot?
Spring Cloud Gateway covers Routing, Path Rewriting, Circuit Breaker, Spring Boot. Toqio covers No code product builder, Provider orchestration, Account and card modules, Embedded financing.

Answered from the vendors’ own pages

Spring Cloud Gateway: Is Spring Cloud Gateway free?

Yes, Spring Cloud Gateway is free and open-source software. It is part of the Spring ecosystem and available through GitHub repositories with open-source dependencies like spring-cloud-starter-gateway-server-webflux and spring-cloud-starter-gateway-server-webmvc.

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.

Spring Cloud Gateway: What enterprise support is available for Spring Cloud Gateway?

Tanzu Spring provides optional enterprise support including Day 0 access to security patches for organizations requiring guaranteed support, but specific pricing is not published on the Spring Cloud Gateway project page.

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.

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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