Increase
Increase provides enterprise-grade banking APIs that allow technology companies to programmatically store, move, and reconcile money.
Our verdict
Who it's for
Modern banking infrastructure enabling programmatic money movement and financial services.
Who should look elsewhere
Pricing is custom and requires contacting sales for many services.
Pros
- +Direct connections to major financial networks for unfiltered access and stability.
- +Offers same-day ACH and submissions at every Fed window for faster payments.
- +Provides flexible account structures and unique account numbers for reconciliation.
- +Enables real-time authorization and instant funds availability for card programs.
- +Allows for customized compliance programs and ownership of customer relationships.
Cons
- −Pricing is custom and requires contacting sales for many services.
- −Not a bank itself, relies on bank partners for banking services.
- −Some advanced features like 'Request for payments origination' and 'Remote deposit capture' require contacting sales for pricing.
Key features
- ✓ACH Transfers (Same-day, credits/debits, correlated returns)
- ✓Bank Accounts (Flexible account numbers, FBO/customer-titled accounts, immutable ledger)
- ✓Card Programs (Visa issuer processor, instant funds availability, real-time authorizations, custom physical/virtual cards)
- ✓Wire Transfers (Origination, drawdown)
- ✓Check Processing (Issuing, remote deposit capture, lockbox deposits)
- ✓Real-Time Payments (RTP origination, Request for Payments)
- ✓FedNow Processing
- ✓Push-to-Card (Visa Direct, Mastercard Send)
Pricing
| Plan | Price | Billing | Notes |
|---|---|---|---|
| Contact Sales | — | month | — |
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