APIs · head to head
Toqio vs Veem
Toqio
APIs
No code platform for building embedded finance products on your own providers
- From
- On request
- Rated
- -
The short version
- Each has a real cost: 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.; Veem per-transaction fees can be higher than dedicated wire transfer services for large volumes
- They diverge on capability: Toqio covers No code product builder, Veem covers International payments.
- Prices and features above were last checked on 1 September 2026.
Where they differ
Only the attributes on which Toqio and Veem actually diverge.
Identical on both: free tier (No), 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 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
Only in Veem
- International payments
- Multi-currency
- Invoice creation
- Payment tracking
- Accounting sync
- QuickBooks
- Xero
- NetSuite
What people use each for
The jobs each tool is most often brought in to do.
Toqio
- A manufacturer offering branded working capital finance to its dealer networknot Veem
- A B2B marketplace launching accounts and cards for its sellers without becoming regulated itselfnot Veem
- A corporate that wants to switch card issuer without rebuilding its customer facing productnot Veem
- A group launching the same embedded finance product across several markets with different local providersnot Veem
Veem
- International vendor paymentsnot Toqio
- Cross-border transactionsnot Toqio
Where each one falls short
Documented limitations, not opinions. Every one is a constraint you would hit in normal use.
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.
Veem
- Per-transaction fees can be higher than dedicated wire transfer services for large volumes
- No free tier - even basic sending incurs transaction fees
- Premium plan pricing at $14.99/month may not offset savings on transaction fees
- Limited banking partnerships compared to larger financial platforms
Pricing, plan by plan
Toqio
On request- Toqio platform$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
Veem
$14.99/monthNo published plan breakdown. See the Veem review.
Which should you pick?
Choose Toqio if
- You need no code product builder.
- You work on Web, iOS, Android, API.
- You also want provider orchestration.
Choose Veem if
- You need international payments.
- You work on Web, iOS, Android.
- You also want multi-currency.
Questions people ask
- Is Toqio or Veem better?
- Neither clearly leads. Toqio starts at On request and Veem at $14.99/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
- Which is cheaper, Toqio or Veem?
- Toqio starts at On request and Veem at $14.99/month.
- Does Toqio or Veem run on more platforms?
- Toqio runs on Web, iOS, Android, API. Veem runs on Web, iOS, Android.
- What is Toqio best used for?
- Toqio is most often used for a manufacturer offering branded working capital finance to its dealer network, a b2b marketplace launching accounts and cards for its sellers without becoming regulated itself, a corporate that wants to switch card issuer without rebuilding its customer facing product, a group launching the same embedded finance product across several markets with different local providers. Of those, a manufacturer offering branded working capital finance to its dealer network and a b2b marketplace launching accounts and cards for its sellers without becoming regulated itself are not what Veem is typically brought in for.
- What can Toqio do that Veem cannot?
- Toqio covers No code product builder, Provider orchestration, Account and card modules, Embedded financing. Veem covers International payments, Multi-currency, Invoice creation, Payment tracking.
Answered from the vendors’ own pages
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.
Veem: What payment methods does Veem support?
Veem supports ACH transfers, checks, wallet transfers, and international wires. Payment methods vary by destination country and user preference.
SourceToqio: Who is it aimed at?
Large corporates and B2B ecosystem operators embedding finance for suppliers, dealers or marketplace sellers, not consumer fintech startups.
Veem: Is there a free tier?
No free tier. Veem charges per-transaction fees based on payment method and destination, with optional Premium Plan at $14.99/month offering enhanced features.
SourceToqio: 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.
Veem: What integrations does Veem have?
Veem integrates with QuickBooks, Xero, QuickBooks Online, NetSuite, Zapier, Plaid, and PopBookings for automated accounting and workflow integration.
SourceVeem: How does Veem handle exchange rates?
Veem uses claimed competitive exchange rates and provides transparent pricing. Transactions are routed through different payment rails (credit cards, checks, cryptocurrency) based on the destination.
SourceRelated pages
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- Veem vs Karbon
- Veem vs Kodo
- Veem vs Mercury
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