Softwr

Automation Integration · head to head

Tines vs Toqio

Tines logo

Tines

Automation Integration

No-code automation for security teams

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 Tines has a free tier, so it costs nothing to try first.
  • Each has a real cost: Tines no-code, UI-driven approach is restrictive for complex logic and version control integration with SDLC; 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: Tines covers Story builder, 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 Tines and Toqio actually diverge.

Attributes where Tines and Toqio differ
AttributeTinesToqio
Starting priceFreeOn request
Pricing modelUnknownquote
Free tierYesNo
PlatformsWebWeb, iOS, Android, API
CategoryAutomation IntegrationAPIs
Founded2018Unknown

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 Tines

  • Story builder
  • Drag-and-drop workflows
  • Event triggers
  • Incident response automation
  • Threat intelligence
  • Case management
  • Alert triage
  • Slack

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.

Tines

  • Workflow Automationnot Toqio
  • Data Integrationnot Toqio
  • Process Automationnot Toqio
  • App Integrationnot Toqio
  • API Connectivitynot Toqio

Toqio

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

Where each one falls short

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

Tines

  • No-code, UI-driven approach is restrictive for complex logic and version control integration with SDLC
  • No native log intelligence layer to validate data completeness
  • Limited scope to security workloads, cannot handle general business automation
  • Governance features lag behind EU AI Act compliance requirements

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

Tines

Free

No published plan breakdown. See the Tines review.

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 Tines if

  • You need story builder.
  • You want to start without paying.
  • You also want drag-and-drop workflows.
Tines 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 Tines or Toqio better?
Neither clearly leads. Tines 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, Tines or Toqio?
Tines has a free tier; the other does not. Paid plans start at Free for Tines and On request for Toqio.
Does Tines or Toqio run on more platforms?
Tines runs on Web. Toqio runs on Web, iOS, Android, API.
Can I use Tines for free?
Yes. Tines has a free tier, so you can try it without paying. Toqio starts at On request.
What is Tines best used for?
Tines is most often used for workflow automation, data integration, process automation, app integration. Of those, workflow automation and data integration are not what Toqio is typically brought in for.
What can Tines do that Toqio cannot?
Tines covers Story builder, Drag-and-drop workflows, Event triggers, Incident response automation. Toqio covers No code product builder, Provider orchestration, Account and card modules, Embedded financing.

Answered from the vendors’ own pages

Tines: What are Tines' pricing tiers?

Tines offers a free Community Edition for evaluation, Starter Edition at $500/month with annual billing, and Business/Enterprise tiers starting around $50,000/year for small security teams and scaling to $200,000+ for large SOCs.

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.

Tines: What is the Community Edition limited to?

As of July 2026, the free Community Edition is scoped to 1 builder and 3 flows as an evaluation tool to test Tines' capabilities.

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.

Tines: Is Tines limited to security automation?

Yes, Tines is purpose-built for security automation. Teams needing non-security automation on the same orchestration layer would need to evaluate alternatives.

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.

Tines: Does Tines have native log intelligence capabilities?

No, Tines lacks a native log intelligence layer, meaning it cannot determine whether the data feeding your detection tools is complete. Teams must build automation against whatever alerts their existing infrastructure provides.

Source
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