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APIs · head to head

Toqio vs WeWeb

Toqio logo

Toqio

APIs

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

From
On request
Rated
-
Full reviewWebsite
WeWeb logo

WeWeb

No-Code

Front-end builder for applications whose data already lives somewhere else

From
Free
Rated
-
Full reviewWebsite

The short version

  • Only WeWeb has a free tier, so it costs nothing to try first.
  • 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.; WeWeb there is no database, authentication provider or server-side logic layer, so a WeWeb project is always at least two subscriptions and the total cost is never the price on the pricing page.
  • They diverge on capability: Toqio covers No code product builder, WeWeb covers Backend agnostic.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Toqio and WeWeb actually diverge.

Attributes where Toqio and WeWeb differ
AttributeToqioWeWeb
Starting priceOn requestFree
Free tierNoYes
PlatformsWeb, iOS, Android, APIWeb
CategoryAPIsNo-Code

Identical on both: pricing model (quote), 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 WeWeb

  • Backend agnostic
  • Vue output
  • Data binding and workflows
  • Custom code
  • White labelling
  • Staging and publishing

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

WeWeb

  • Building an interface over data that already lives in Supabase or PostgreSQLnot Toqio
  • Agency work where the client contract requires an application that runs without the vendornot Toqio
  • Replacing the front end of a no-code application that has outgrown its original platformnot Toqio
  • Internal tools for staff where the database and its permissions already exist and must not be duplicatednot 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.

WeWeb

  • There is no database, authentication provider or server-side logic layer, so a WeWeb project is always at least two subscriptions and the total cost is never the price on the pricing page.
  • Self-hosting and the more useful delivery options sit on higher tiers, so on entry plans you are hosting with WeWeb and depending on its uptime for a production application.
  • The learning curve is closer to a front-end framework than to a drag and drop builder; collections, bindings and state assume you understand how data flows through an interface, which defeats non-technical buyers.
  • Output is web only. There is no native mobile build, so anything that must appear in the App Store needs a wrapper or a different tool entirely.
  • It is a small European vendor competing against far larger platforms, so procurement teams that assess supplier viability, support depth and long-term roadmap will need convincing before signing.

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

WeWeb

Free
  • WeWeb$undefined/year
    • Free tier for building and previewing before publishing
    • Paid tiers add custom domains, white labelling and higher usage
    • Self-hosting the generated application offered on higher tiers

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 WeWeb if

  • You need backend agnostic.
  • You want to start without paying.
  • You also want vue output.
WeWeb review

Questions people ask

Is Toqio or WeWeb better?
Neither clearly leads. Toqio starts at On request and WeWeb at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Toqio or WeWeb?
WeWeb has a free tier; the other does not. Paid plans start at On request for Toqio and Free for WeWeb.
Does Toqio or WeWeb run on more platforms?
Toqio runs on Web, iOS, Android, API. WeWeb runs on Web.
Can I use WeWeb for free?
Yes. WeWeb has a free tier, so you can try it without paying. Toqio starts at On request.
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 WeWeb is typically brought in for.
What can Toqio do that WeWeb cannot?
Toqio covers No code product builder, Provider orchestration, Account and card modules, Embedded financing. WeWeb covers Backend agnostic, Vue output, Data binding and workflows, Custom code.

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.

WeWeb: Do I need another product to use WeWeb?

Yes. It builds the front end only. You need a backend such as Supabase, an existing database or an API before the application does anything useful.

Toqio: Who is it aimed at?

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

WeWeb: Can I host the app myself?

On the higher tiers, yes. That is one of the main reasons agencies choose it, because the delivered application can run without the vendor in the path.

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.

WeWeb: Is it suitable for someone who cannot code?

Less so than most no-code builders. You do not have to write code, but you do have to think like a front-end developer about state, collections and bindings.

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