Softwr

APIs · head to head

Stoplight vs Toqio

Stoplight logo

Stoplight

APIs

API design, documentation, and governance platform

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 Stoplight has a free tier, so it costs nothing to try first.
  • Each has a real cost: Stoplight the free plan allows one project and one user; 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: Stoplight covers API Design, 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 Stoplight and Toqio actually diverge.

Attributes where Stoplight and Toqio differ
AttributeStoplightToqio
Starting priceFreeOn request
Pricing modelsubscriptionquote
Free tierYesNo
PlatformsWeb, CloudWeb, iOS, Android, API
Founded2014Unknown

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 Stoplight

  • API Design
  • API Documentation
  • Governance
  • GitHub
  • GitLab
  • Jenkins
  • Azure DevOps
  • Web 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.

Stoplight

  • API design and documentationnot Toqio
  • API governance and standardsnot Toqio
  • Team collaboration on API developmentnot Toqio
  • API mocking and testingnot Toqio

Toqio

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

Where each one falls short

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

Stoplight

  • The free plan allows one project and one user
  • Private projects, multi branch support and custom domains start at the Startup plan, $113 a month billed annually
  • SSO and shared style guides are Pro Team only, at $362 a month billed annually
  • Seats beyond each plan's allowance are $11 to $27 each per month depending on tier and billing period

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

Stoplight

Free
  • FreeFree
    • 1 project
    • 1 user
    • Basic API design and documentation features
  • Basic$56/month
    • Annual: $44/user/year
    • 3 included users; $14 per additional user (monthly)
    • Unlimited projects
  • Startup$147/month
    • Annual: $113/user/year
    • 8 included users; $14 per additional user (monthly)
    • Private projects
  • Pro Team$453/month
    • Annual: $362/user/year
    • 15 included users; $27 per additional user (monthly)
    • Up to 20 teams

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 Stoplight if

  • You need api design.
  • You want to start without paying.
  • You work on Web, Cloud.
  • You also want api documentation.
Stoplight 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 Stoplight or Toqio better?
Neither clearly leads. Stoplight 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, Stoplight or Toqio?
Stoplight has a free tier; the other does not. Paid plans start at Free for Stoplight and On request for Toqio.
Does Stoplight or Toqio run on more platforms?
Stoplight runs on Web, Cloud. Toqio runs on Web, iOS, Android, API.
Can I use Stoplight for free?
Yes. Stoplight has a free tier, so you can try it without paying. Toqio starts at On request.
What is Stoplight best used for?
Stoplight is most often used for api design and documentation, api governance and standards, team collaboration on api development, api mocking and testing. Of those, api design and documentation and api governance and standards are not what Toqio is typically brought in for.
What can Stoplight do that Toqio cannot?
Stoplight covers API Design, API Documentation, Governance, GitHub. Toqio covers No code product builder, Provider orchestration, Account and card modules, Embedded financing.

Answered from the vendors’ own pages

Stoplight: How much does Stoplight cost?

Stoplight starts with a free plan (1 project, 1 user), then Basic at $56/month per user (or $44/year), Startup at $147/month per user (or $113/year), Pro Team at $453/month per user (or $362/year), and Enterprise at custom 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.

Stoplight: How many included users are in each Stoplight plan?

Basic includes 3 users, Startup includes 8 users, and Pro Team includes 15 users. Additional users beyond the included count cost $14/month for Basic and Startup, or $27/month for Pro Team.

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.

Stoplight: Does Stoplight offer a free trial?

Yes, all paid Stoplight plans include a 14-day free trial. The free plan has no trial period as it is always available.

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.

Stoplight: Does Stoplight's free plan have limitations?

Yes, the free plan includes only 1 project and 1 user. Users viewing public documentation anonymously are not counted toward the 1-user limit.

Source
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