APIs · head to head
Toqio vs Whalesync
Toqio
APIs
No code platform for building embedded finance products on your own providers
- From
- On request
- Rated
- -
Whalesync
No-Code
Two-way real-time sync between no-code databases and SaaS tools
- From
- $40/month
- 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.; Whalesync pricing counts records held in sync rather than changes made, so a large but rarely edited catalogue costs the same as a highly active one and the economics punish exactly the datasets that need the least work.
- They diverge on capability: Toqio covers No code product builder, Whalesync covers Two-way sync.
- Prices and features above were last checked on 1 September 2026.
Where they differ
Only the attributes on which Toqio and Whalesync 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 Whalesync
- Two-way sync
- Live updates
- Field mapping
- Unlimited mappings
- Backfill
- Monitoring
- Database connectors
- Relational field support
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 Whalesync
- A B2B marketplace launching accounts and cards for its sellers without becoming regulated itselfnot Whalesync
- A corporate that wants to switch card issuer without rebuilding its customer facing productnot Whalesync
- A group launching the same embedded finance product across several markets with different local providersnot Whalesync
Whalesync
- A team that plans work in Notion but reports from Airtable and needs one edit to appear in both without anyone copying it acrossnot Toqio
- A marketing site built in Webflow whose content is authored and managed in Airtable, kept in step continuously rather than republished on a schedulenot Toqio
- A startup keeping a Postgres application database and an internal Airtable operations view aligned without building a sync servicenot Toqio
- An agency keeping a client CRM and a project tracker consistent so account managers and delivery staff work from the same recordsnot 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.
Whalesync
- Pricing counts records held in sync rather than changes made, so a large but rarely edited catalogue costs the same as a highly active one and the economics punish exactly the datasets that need the least work.
- The gap between the 1,000 record starter tier and the million record higher tiers is very wide with no published intermediate price, so a business at ten thousand records cannot tell what it will pay without contacting the vendor.
- Bidirectional sync has conflict semantics, and when two people edit the same field in two tools within a sync interval one edit is lost, which is silent and only discovered when someone notices their change reverted.
- It is a small company holding a live connection in the middle of operational data, so continuity risk is real and any team relying on it should keep an export routine and know how it would rebuild the mapping.
- It syncs records between tools but does not transform or model data, so anything requiring aggregation, deduplication or business logic between the two ends still needs a separate tool or a warehouse.
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
Whalesync
$40/month- Starter$40/month
- 1,000 records in sync
- Live two-way sync
- Unlimited mappings and row changes
- Plus$undefined/month
- Up to 1,000,000 records in sync
- Live two-way sync
- Unlimited mappings and row changes
- Pro$undefined/month
- Up to 1,000,000 records in sync
- Priority support
- Advanced field handling
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.
Questions people ask
- Is Toqio or Whalesync better?
- Neither clearly leads. Toqio starts at On request and Whalesync at $40/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
- Which is cheaper, Toqio or Whalesync?
- Toqio starts at On request and Whalesync at $40/month.
- Does Toqio or Whalesync run on more platforms?
- Toqio runs on Web, iOS, Android, API. Whalesync runs on Web.
- 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 Whalesync is typically brought in for.
- What can Toqio do that Whalesync cannot?
- Toqio covers No code product builder, Provider orchestration, Account and card modules, Embedded financing. Whalesync covers Two-way sync, Live updates, Field mapping, Unlimited mappings.
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.
Whalesync: How is this different from Zapier?
Zapier triggers one-way actions. Whalesync maintains a persistent mapping between two copies of a record so edits flow both ways without loops or duplicates, which two zaps cannot achieve reliably.
Toqio: Who is it aimed at?
Large corporates and B2B ecosystem operators embedding finance for suppliers, dealers or marketplace sellers, not consumer fintech startups.
Whalesync: What counts as a record in sync?
A record becomes counted the first time it syncs, and records are not double counted across the two applications, so a thousand paired rows count once rather than twice.
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.
Whalesync: Is there a free plan?
No, only a seven day trial. Paid plans start around 40 US dollars a month for a thousand records.
Whalesync: What happens on a sync conflict?
One side wins and the other edit is discarded. Teams that expect simultaneous editing of the same fields in two tools should establish an owning system per field rather than relying on the sync to arbitrate.
Related pages
Other head to heads
- Toqio vs Highnote
- Toqio vs Unit
- Toqio vs Solaris
- Toqio vs Thredd
- Toqio vs Swan
- Toqio vs Weavr
- Toqio vs Fintech Farm
- Toqio vs Lithic
- Toqio vs Vodeno
- Toqio vs Column
- Toqio vs Synctera
- Toqio vs Astra
- Toqio vs Marqeta
- Toqio vs Meniga
- Toqio vs Moov
- Toqio vs MX Technologies
- Toqio vs PubNub
- Toqio vs Skaleet
- Toqio vs Stacker
- Toqio vs Softr
- Toqio vs Noloco
- Toqio vs Quickbase
- Toqio vs AppSheet
- Toqio vs Kintone
- Toqio vs Mendix
- Toqio vs FlutterFlow
- Toqio vs Caspio
- Toqio vs ToolJet
- Toqio vs WeWeb
- Toqio vs Directual
- Toqio vs Corteza
- Toqio vs Draftbit
- Toqio vs Momen
- Whalesync vs Highnote
- Whalesync vs Unit
- Whalesync vs Solaris
- Whalesync vs Thredd
- Whalesync vs Swan
- Whalesync vs Weavr
- Whalesync vs Fintech Farm
- Whalesync vs Lithic
- Whalesync vs Vodeno
- Whalesync vs Column
- Whalesync vs Synctera
- Whalesync vs Astra
- Whalesync vs Marqeta
- Whalesync vs Meniga
- Whalesync vs Moov
- Whalesync vs MX Technologies
- Whalesync vs PubNub
- Whalesync vs Skaleet
- Whalesync vs Stacker
- Whalesync vs Softr
- Whalesync vs Noloco
- Whalesync vs Quickbase
- Whalesync vs AppSheet
- Whalesync vs Kintone
- Whalesync vs Mendix
- Whalesync vs FlutterFlow
- Whalesync vs Caspio
- Whalesync vs ToolJet
- Whalesync vs WeWeb
- Whalesync vs Directual
- Whalesync vs Corteza
- Whalesync vs Draftbit
- Whalesync vs Momen