Is Adyen or Increase better?

Neither clearly leads. Adyen starts at $0.13/per-transaction and Increase at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.

Which is cheaper, Adyen or Increase?

Adyen starts at $0.13/per-transaction and Increase at On request.

Does Adyen or Increase run on more platforms?

Adyen runs on Web, Api, Pos. Increase runs on API, Web.

What is Adyen best used for?

Adyen is most often used for card acquiring with interchange plus pricing for larger merchants, accepting local payment methods across multiple countries, settling in several currencies through linked bank accounts, unified online and in-person payments. Of those, card acquiring with interchange plus pricing for larger merchants and accepting local payment methods across multiple countries are not what Increase is typically brought in for.

What can Adyen do that Increase cannot?

Adyen covers Payment processing, Risk management, Unified commerce, Issuing. Increase covers ACH origination and receipt, Domestic wires, Real-time payments, Bank accounts.

Accounting · head to head

Adyen vs Increase

Adyen

Accounting

The payments platform built for growth

From: $0.13/per-transaction
Rated: -

Full review Website

Increase

APIs

Direct banking API for ACH, wires, real-time payments, accounts and cards

From: On request
Rated: -

Full review Website

The short version

Each has a real cost: Adyen there is a minimum monthly invoice, set by industry and business model and only disclosed through the sales team, so small volumes are not economic; Increase the published per transaction rates exclude a monthly platform fee that Increase states varies by use case, so the transparent price page cannot produce a total cost and the material part of the deal is still negotiated privately.
They diverge on capability: Adyen covers Payment processing, Increase covers ACH origination and receipt.
Prices and features above were last checked on 31 August 2026.

Where they differ

Only the attributes on which Adyen and Increase actually diverge.

Attributes where Adyen and Increase differ
Attribute	Adyen	Increase
Starting price	$0.13/per-transaction	On request
Pricing model	usage-based	quote
Platforms	Web, Api, Pos	API, Web
Category	Accounting	APIs
Founded	2006	Unknown

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 Adyen

Payment processing
Risk management
Unified commerce
Issuing
Platform payments
SAP
Salesforce
Oracle

Only in Increase

ACH origination and receipt
Domestic wires
Real-time payments
Bank accounts
Cards
Cheques
Sandbox and simulations
Audit and reconciliation data

What people use each for

The jobs each tool is most often brought in to do.

Adyen

Card acquiring with interchange plus pricing for larger merchantsnot Increase
Accepting local payment methods across multiple countriesnot Increase
Settling in several currencies through linked bank accountsnot Increase
Unified online and in-person paymentsnot Increase

Increase

A payroll or treasury product that needs to originate same-day ACH and wires under its own control rather than through a payment processornot Adyen
A marketplace that must hold seller balances in ledgered accounts with real account and routing numbersnot Adyen
A fintech that wants FedNow and RTP payouts so recipients are paid outside banking hoursnot Adyen
An engineering team that needs the underlying return codes and settlement timing visible in order to build correct reconciliation and retry logicnot Adyen

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

Adyen

There is a minimum monthly invoice, set by industry and business model and only disclosed through the sales team, so small volumes are not economic
Published fees are indicative rather than a rate card, with real pricing negotiated
Interchange++ means the card cost varies per transaction rather than being a single predictable percentage
Alternative payment methods carry their own rates on top, such as 3.3 percent plus $0.10 for American Express in North America

Increase

The published per transaction rates exclude a monthly platform fee that Increase states varies by use case, so the transparent price page cannot produce a total cost and the material part of the deal is still negotiated privately.
Free allowances are deliberately small at ten account numbers and five physical cards, so any programme issuing accounts or cards at volume moves to quoted pricing almost immediately.
Banking is provided through partner banks, so programme approval, compliance obligations and the ability to launch at all depend on a bank relationship you do not control, and post-Synapse bank risk appetite has tightened considerably.
The API deliberately exposes payment rail mechanics rather than smoothing them, which is correct engineering but means a team without payments expertise will build reconciliation and return handling wrongly and only discover it when funds go astray.
Coverage is United States only, so a company with international payout needs runs a second provider and reconciles two ledgers, and the single API argument disappears at the first cross border customer.

Pricing, plan by plan

Adyen

$0.13/per-transaction

Transaction-Based Pricing$undefined/mo
- Fixed $0.13 USD per transaction
- Variable fee determined by payment method
- No setup fees

Increase

On request

Increase Platform$undefined/month
- Monthly fee quoted by use case and not published
- Next-day ACH origination listed at 0.50 US dollars per transaction
- Same-day ACH origination listed at 2.00 per transaction

Which should you pick?

Choose Adyen if

You need payment processing.
You work on Web, Api, Pos.
You also want risk management.

Adyen review

Choose Increase if

You need ach origination and receipt.
You work on API, Web.
You also want domestic wires.

Increase review

Questions people ask

Is Adyen or Increase better?: Neither clearly leads. Adyen starts at $0.13/per-transaction and Increase at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Adyen or Increase?: Adyen starts at $0.13/per-transaction and Increase at On request.
Does Adyen or Increase run on more platforms?: Adyen runs on Web, Api, Pos. Increase runs on API, Web.
What is Adyen best used for?: Adyen is most often used for card acquiring with interchange plus pricing for larger merchants, accepting local payment methods across multiple countries, settling in several currencies through linked bank accounts, unified online and in-person payments. Of those, card acquiring with interchange plus pricing for larger merchants and accepting local payment methods across multiple countries are not what Increase is typically brought in for.
What can Adyen do that Increase cannot?: Adyen covers Payment processing, Risk management, Unified commerce, Issuing. Increase covers ACH origination and receipt, Domestic wires, Real-time payments, Bank accounts.

Answered from the vendors’ own pages

Adyen: How much does Adyen charge per transaction?

Adyen charges a fixed $0.13 USD per transaction plus a variable fee based on the payment method used. Credit cards typically cost $0.13 + 0.60% + interchange, while digital wallets and BNPL options cost between $0.13 + 0.99% to $0.13 + 4.99%+, depending on the specific method and region.

Source

Increase: Does Increase publish its pricing?

Partly. Per transaction fees for ACH, wires, RTP, FedNow and cards are listed publicly. The monthly platform fee is not, and it is described only as varying by use case.

Adyen: Does Adyen have monthly subscription or setup fees?

No, Adyen has no setup fees or monthly recurring charges. You pay only for each transaction processed. The transaction fee structure remains the same regardless of transaction volume or business size.

Source

Increase: Who holds the deposits?

Partner banks, not Increase itself. That relationship determines your programme approval, your compliance obligations and your risk if the bank changes appetite.

Adyen: What's Adyen's Interchange++ pricing option?

Adyen offers an Interchange++ transparent pricing model that passes interchange and scheme fees directly to merchants instead of bundling them into a percentage rate. This allows visibility into exact costs for each payment method.

Source

Increase: Is it international?

No. Increase covers United States rails only, so cross border payouts require a second provider.

Adyen: Can I process payments in multiple currencies with Adyen?

Yes, Adyen supports 100+ payment methods across multiple currencies. You can link multiple bank accounts in different currencies to avoid currency conversion fees on international transactions.

Source

Increase: How is it different from a middleware BaaS platform?

It exposes the rails rather than abstracting them, showing real return codes and settlement timing. That suits teams who understand payments and punishes teams who do not.

Adyen vs Increase

Adyen

Increase

The short version

Where they differ

What each one covers

Only in Adyen

Only in Increase

What people use each for

Adyen

Increase

Where each one falls short

Adyen

Increase

Pricing, plan by plan

Adyen

Increase

Which should you pick?

Choose Adyen if

Choose Increase if

Questions people ask

Answered from the vendors’ own pages

Related pages

More on Adyen

More on Increase

Keep looking

Other head to heads