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APIs · head to head

Thunder Client vs Toqio

Thunder Client logo

Thunder Client

APIs

Lightweight REST API client built as VSCode extension

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 Thunder Client has a free tier, so it costs nothing to try first.
  • Each has a real cost: Thunder Client paid plans are billed annually only: Starter is $3 per user per month and capped at a maximum of 10 seats, Business is $7 per user per month with 500 monthly collection runs per user, and Enterprise is $16 per user per month for unlimited runs; 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: Thunder Client 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 Thunder Client and Toqio actually diverge.

Attributes where Thunder Client and Toqio differ
AttributeThunder ClientToqio
Starting priceFreeOn request
Pricing modelfreemiumquote
Free tierYesNo
PlatformsVSCode extension, WebWeb, iOS, Android, API
Founded2021Unknown

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 Thunder Client

  • REST Client
  • Environment variables
  • Response testing
  • VSCode
  • GitHub
  • Webhook support
  • VSCode extension support
  • 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.

Thunder Client

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

Where each one falls short

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

Thunder Client

  • Paid plans are billed annually only: Starter is $3 per user per month and capped at a maximum of 10 seats, Business is $7 per user per month with 500 monthly collection runs per user, and Enterprise is $16 per user per month for unlimited runs

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

Thunder Client

Free
  • FreeFree
    • REST client
    • Collection management
    • Local testing
  • Pro$8/monthly
    • Cloud sync
    • Team collaboration
    • Advanced features

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 Thunder Client if

  • You need rest client.
  • You want to start without paying.
  • You work on VSCode extension, Web.
  • You also want environment variables.
Thunder Client 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 Thunder Client or Toqio better?
Neither clearly leads. Thunder Client 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, Thunder Client or Toqio?
Thunder Client has a free tier; the other does not. Paid plans start at Free for Thunder Client and On request for Toqio.
Does Thunder Client or Toqio run on more platforms?
Thunder Client runs on VSCode extension, Web. Toqio runs on Web, iOS, Android, API.
Can I use Thunder Client for free?
Yes. Thunder Client has a free tier, so you can try it without paying. Toqio starts at On request.
What is Thunder Client best used for?
Thunder Client 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 Thunder Client do that Toqio cannot?
Thunder Client covers REST Client, Environment variables, Response testing, VSCode. Toqio covers No code product builder, Provider orchestration, Account and card modules, Embedded financing.

Answered from the vendors’ own pages

Thunder Client: How much does Thunder Client cost?

Thunder Client publishes a free plan at no cost, then Starter at $3, Business at $7 and Enterprise at $16, all priced annually.

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.

Thunder Client: Is Thunder Client free?

Yes, there is a free plan. It is used through the Thunder Client extension for VS Code, available from the marketplace, with limits applied compared with the paid tiers.

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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