Softwr

APIs · head to head

Strapi vs Toqio

Strapi logo

Strapi

APIs

Headless CMS with REST and GraphQL APIs

From
$35/month
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: Strapi cloud pricing is per project, not per account, so a second project doubles the bill; 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: Strapi covers REST API, 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 Strapi and Toqio actually diverge.

Attributes where Strapi and Toqio differ
AttributeStrapiToqio
Starting price$35/monthOn request
Pricing modelsubscriptionquote
PlatformsNode.js, Cloud, Self-hosted, DockerWeb, iOS, Android, API
Founded2015Unknown

Identical on both: free tier (No), 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 Strapi

  • REST API
  • GraphQL API
  • Content management
  • PostgreSQL
  • MySQL
  • MongoDB
  • AWS
  • Webhooks

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.

Strapi

  • Running a self hosted headless CMS with a REST or GraphQL APInot Toqio
  • Giving editors a content admin panel over a custom content modelnot Toqio

Toqio

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

Where each one falls short

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

Strapi

  • Cloud pricing is per project, not per account, so a second project doubles the bill
  • Starter at $35 a month allows 100,000 API requests, and overage is $1.50 per 25,000
  • Extra bandwidth is $30 per 100 GB and extra asset storage $0.60 per GB
  • Backups start at the Pro plan, weekly, and only become daily at Business
  • An uptime SLA is Business only, at $450 a month per project
  • Additional environments cost $60 a month on Pro and $300 a month on Business

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

Strapi

$35/month
  • Starter$35/month
    • 100k API requests
    • 50 GB asset storage
    • 50 GB asset bandwidth
  • Pro$90/month
    • 1M API requests
    • 250 GB asset storage
    • 500 GB asset bandwidth
  • Business$450/month
    • 10M API requests
    • 1000 GB asset storage
    • 1000 GB asset bandwidth

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 Strapi if

  • You need rest api.
  • You work on Node.js, Cloud, Self-hosted, Docker.
  • You also want graphql api.
Strapi 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 Strapi or Toqio better?
Neither clearly leads. Strapi starts at $35/month and Toqio at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Strapi or Toqio?
Strapi starts at $35/month and Toqio at On request.
Does Strapi or Toqio run on more platforms?
Strapi runs on Node.js, Cloud, Self-hosted, Docker. Toqio runs on Web, iOS, Android, API.
What is Strapi best used for?
Strapi is most often used for running a self hosted headless cms with a rest or graphql api, giving editors a content admin panel over a custom content model. Of those, running a self hosted headless cms with a rest or graphql api and giving editors a content admin panel over a custom content model are not what Toqio is typically brought in for.
What can Strapi do that Toqio cannot?
Strapi covers REST API, GraphQL API, Content management, PostgreSQL. Toqio covers No code product builder, Provider orchestration, Account and card modules, Embedded financing.

Answered from the vendors’ own pages

Strapi: How much do API request overages cost?

Additional API requests beyond the plan limit cost $1.50 per 25000 requests. Extra asset storage costs $0.60 per GB, and additional bandwidth costs $30 per 100 GB.

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.

Strapi: Is yearly billing available?

Yes, yearly billing saves up to 17% compared to monthly billing on Strapi Cloud plans.

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.

Strapi: What is included with the Pro plan?

The Pro plan costs $90 per month per project and includes 1M API requests, 250 GB asset storage, 500 GB bandwidth, multi-environment support, weekly backups, and manual backups.

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 Strapi

More on Toqio

Keep looking

Other head to heads