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APIs · head to head

Toqio vs Zeplo

Toqio logo

Toqio

APIs

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

From
On request
Rated
-
Full reviewWebsite
Zeplo logo

Zeplo

APIs

Message queue as a URL prefix, adding retries and delays to any HTTP request

From
Free
Rated
-
Full reviewWebsite

The short version

  • Only Zeplo 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.; Zeplo zeplo sits directly in the execution path of your background work, so an outage at a very small vendor means your jobs do not run at all, and there is no published SLA below Enterprise.
  • They diverge on capability: Toqio covers No code product builder, Zeplo covers URL prefix interface.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Toqio and Zeplo actually diverge.

Attributes where Toqio and Zeplo differ
AttributeToqioZeplo
Starting priceOn requestFree
Pricing modelquotePer month by request count
Free tierNoYes
PlatformsWeb, iOS, Android, APIWeb, Cloud

Identical on both: 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 Zeplo

  • URL prefix interface
  • Retries with backoff
  • Delayed delivery
  • Cron scheduling
  • Concurrency limits
  • Deduplication keys
  • Request logs
  • Team workspaces

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

Zeplo

  • A Vercel or Cloudflare Workers application that needs retried background jobs without deploying a separate always-on workernot Toqio
  • A team that wants a webhook receiver protected by a concurrency limit so a burst does not overwhelm a downstream APInot Toqio
  • A small product needing cron jobs against HTTP endpoints without adding a scheduler to its infrastructurenot Toqio
  • A developer adding idempotent retries to an unreliable third-party API call with a one-line URL changenot 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.

Zeplo

  • Zeplo sits directly in the execution path of your background work, so an outage at a very small vendor means your jobs do not run at all, and there is no published SLA below Enterprise.
  • The free Developer tier includes only 500 requests a month and one team member, so it is a demonstration allowance rather than a usable free plan for anything real.
  • Overage on the Developer tier is 20 US dollars per 100,000 requests, two hundred times the marginal rate on the Company tier, so exceeding the free allowance without upgrading is expensive.
  • Team members cost 15 US dollars each beyond the plan allowance, which is an odd charge on an infrastructure product billed by request volume.
  • Log retention is 30 days on both published tiers, so anything requiring longer audit trails on job execution has to be logged separately.

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

Zeplo

Free
  • DeveloperFree
    • 500 requests a month included
    • $20 per additional 100,000 requests
    • 1 team member
  • Company$39/month
    • 1,000,000 requests a month included
    • $10 per additional million requests
    • Up to 3 team members
  • Enterprise$undefined/month
    • Volume discounts
    • Custom team size
    • Support with SLA

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 Zeplo if

  • You need url prefix interface.
  • You want to start without paying.
  • You work on Web, Cloud.
  • You also want retries with backoff.
Zeplo review

Questions people ask

Is Toqio or Zeplo better?
Neither clearly leads. Toqio starts at On request and Zeplo at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Toqio or Zeplo?
Zeplo has a free tier; the other does not. Paid plans start at On request for Toqio and Free for Zeplo.
Does Toqio or Zeplo run on more platforms?
Toqio runs on Web, iOS, Android, API. Zeplo runs on Web, Cloud.
Can I use Zeplo for free?
Yes. Zeplo 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 Zeplo is typically brought in for.
What can Toqio do that Zeplo cannot?
Toqio covers No code product builder, Provider orchestration, Account and card modules, Embedded financing. Zeplo covers URL prefix interface, Retries with backoff, Delayed delivery, Cron scheduling.

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.

Zeplo: How does Zeplo work?

You prefix your endpoint URL with zeplo.to and add query parameters for retries, delay, cron or concurrency. No SDK or broker is needed.

Toqio: Who is it aimed at?

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

Zeplo: What does it cost?

Free for 500 requests a month; 39 US dollars a month for a million requests, then 10 dollars per additional million.

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.

Zeplo: Is it suitable for critical jobs?

It is a small vendor in your execution path with no published SLA below Enterprise, so weigh that against the convenience.

Zeplo: Does it work with serverless platforms?

Yes, that is its main use, covering Vercel, Cloudflare Workers, Netlify and similar environments that lack long-running workers.

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