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APIs · head to head

Toqio vs Weavr

Toqio logo

Toqio

APIs

No code platform for building embedded finance products on your own providers

From
On request
Rated
-
Full reviewWebsite
Weavr logo

Weavr

APIs

Packaged embedded finance for B2B SaaS, with an in-house EU e-money licence

From
On request
Rated
-
Full reviewWebsite

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.; Weavr products are packaged rather than open, so a flow Weavr does not support is not something you can build around, and you discover the limits after integrating.
  • They diverge on capability: Toqio covers No code product builder, Weavr covers Plug-and-play products.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Toqio and Weavr actually diverge.

Attributes where Toqio and Weavr differ
AttributeToqioWeavr
PlatformsWeb, iOS, Android, APIWeb, REST API

Identical on both: starting price (On request), pricing model (quote), 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 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 Weavr

  • Plug-and-play products
  • Regulated cover
  • Card issuing
  • Multi-currency accounts
  • Identity and onboarding
  • Data insights

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

Weavr

  • A project management SaaS adding expense cards without hiring a compliance officernot Toqio
  • A marketplace paying out sellers from accounts held inside its own productnot Toqio
  • A procurement platform issuing virtual cards against approved purchase ordersnot Toqio
  • A European SaaS vendor wanting a regulated entity to sit behind its financial featuresnot 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.

Weavr

  • Products are packaged rather than open, so a flow Weavr does not support is not something you can build around, and you discover the limits after integrating.
  • Programme economics depend on interchange, and SaaS vendors routinely overestimate how much card volume their customers will actually route through the embedded product.
  • It is a small company with limited headcount supporting a regulated dependency, which is a real concentration risk for a feature your customers rely on.
  • Monthly minimums on card programmes mean a slow-adopting customer base leaves you paying for volume you never reach.
  • European interchange caps hold programme revenue well below what US embedded finance case studies suggest, so imported business cases do not transfer.

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

Weavr

On request
  • Weavr embedded finance$undefined/year
    • Platform subscription plus per-account and per-card fees
    • Interchange share negotiated as part of the commercial terms
    • Monthly minimums apply to card programmes

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.
Toqio review

Choose Weavr if

  • You need plug-and-play products.
  • You work on Web, REST API.
  • You also want regulated cover.
Weavr review

Questions people ask

Is Toqio or Weavr better?
Neither clearly leads. Toqio starts at On request and Weavr at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Toqio or Weavr?
Toqio starts at On request and Weavr at On request.
Does Toqio or Weavr run on more platforms?
Toqio runs on Web, iOS, Android, API. Weavr runs on Web, REST API.
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 Weavr is typically brought in for.
What can Toqio do that Weavr cannot?
Toqio covers No code product builder, Provider orchestration, Account and card modules, Embedded financing. Weavr covers Plug-and-play products, Regulated cover, Card issuing, Multi-currency accounts.

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.

Weavr: Do I need my own financial licence?

No. Weavr holds an e-money licence, including a Maltese authorisation for the EU, and acts as the regulated entity for the embedded product.

Toqio: Who is it aimed at?

Large corporates and B2B ecosystem operators embedding finance for suppliers, dealers or marketplace sellers, not consumer fintech startups.

Weavr: How is it different from a banking-as-a-service API?

It sells finished product shapes with compliance built in rather than raw banking primitives, which trades flexibility for a much shorter route to launch.

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.

Weavr: How does Weavr make money?

Platform fees plus per-account and per-card charges, with a negotiated share of card interchange.

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