Toqio

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

As of 1 September 2026, Toqio's pricing is not published; the vendor quotes on request. A software layer for launching branded banking, card and financing products without writing the front end, deliberately keeping the regulated provider underneath as a choice you make. Softwr lists it under APIs. Toqio is available on Web, iOS, Android, API.

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Overview

What Toqio does

Toqio provides configurable front ends, back office tooling and orchestration for embedded finance: a company can launch a branded app or portal offering accounts, cards, payments and financing to its own business customers, assembled from modules rather than built from scratch. It raised an EUR 18.7 million Series A led by AlbionVC in April 2025, taking total funding to around EUR 30 million, and operates from Madrid and London. The distinguishing design decision is that Toqio is not a bank and does not want to be your regulated provider. It orchestrates over banks, issuers and lenders that you contract with, which means the licensing, sponsor bank and interchange arrangements are yours to negotiate and yours to change. Compared with a bundled banking as a service provider, that is more work upfront and materially less lock in later: if your card issuer's terms deteriorate or its regulator intervenes, you replace a supplier rather than rebuild your product. Buyers are large corporates and B2B ecosystem operators, typically wanting to offer financing or payment services to their supplier or dealer networks, rather than consumer fintech startups. The trade offs: you carry the burden of selecting and contracting regulated providers, the commercial model depends on quoted platform fees rather than published pricing, and Toqio is a small company, so its ability to support a long lived financial product for a large corporate is a fair diligence question.

What people use it 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

Where it falls short

Concrete and checkable, so you can decide whether any of them matter to you. This is the half of a review a vendor will not write about 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.

Cross-shopped

What people choose instead of Toqio

Each pairing was judged by two reviewers asking whether a buyer would genuinely weigh the two against each other. The ones that failed were deleted rather than published.

Toqiovs
Solaris
Solaris: If you would rather buy the licence and the technology from one provider in Germany
Toqiovs
Unit
Unit: If you are in the United States and want banking as a service with sponsor banks included
Toqiovs
Highnote
Highnote: If card issuing is the whole requirement and you do not need a broader product builder

Pricing

What Toqio costs

Taken from the vendor's own pricing page. Prices move, so check before you buy.

Toqio platform

On request

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
Module selection and number of brands affect the fee
No licence or sponsorship provided by Toqio

Capabilities

Features

No code product builder
Configure branded web and mobile finance applications without front end development
Provider orchestration
Connect chosen banks, issuers and lenders underneath the same product
Account and card modules
Accounts, IBANs and card issuing surfaced through partner providers
Embedded financing
Invoice finance and working capital products for business customers
Back office tooling
Operations, servicing and customer management interfaces
Multi entity and multi brand
Separate branded products across markets or business units
White label mobile apps
Branded iOS and Android applications generated from configuration
Marketplace of providers
Pre integrated regulated providers to shorten selection

Answered, with sources

Questions people ask

Each answer names the page it came from, so you can check it rather than take our word for it.

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.

Who is it aimed at?

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

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.

Keep looking

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Softwr does not host reviews and shows no star rating for Toqio, because a rating we did not collect is not ours to publish. What is here is the pricing and platform detail from the vendor’s own pages, limitations we could state concretely, and alternatives a reviewer confirmed people weigh against it. Tell us if any of it is wrong.

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