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APIs · head to head

Apigee vs Increase

Apigee logo

Apigee

APIs

API management platform for designing, securing, and scaling APIs

From
$500/monthly
Rated
-
Full reviewWebsite
Increase logo

Increase

APIs

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

From
On request
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: Apigee the free evaluation is a sandbox limited to 60 days; 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: Apigee covers API Gateway, 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 Apigee and Increase actually diverge.

Attributes where Apigee and Increase differ
AttributeApigeeIncrease
Starting price$500/monthlyOn request
Pricing modelsubscriptionquote
PlatformsCloud, Hybrid, On-premisesAPI, Web
Founded2006Unknown

Identical on both: free tier (No), 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 Apigee

  • API Gateway
  • API Analytics
  • Developer Portal
  • Google Cloud services
  • Azure
  • AWS
  • Okta
  • Cloud support

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.

Apigee

  • Publishing, securing and versioning APIs for an enterprise API programnot Increase
  • Monetizing APIs and running a developer portalnot Increase
  • Analyzing API traffic and defending APIs against bots and abusenot 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 Apigee
  • A marketplace that must hold seller balances in ledgered accounts with real account and routing numbersnot Apigee
  • A fintech that wants FedNow and RTP payouts so recipients are paid outside banking hoursnot Apigee
  • An engineering team that needs the underlying return codes and settlement timing visible in order to build correct reconciliation and retry logicnot Apigee

Where each one falls short

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

Apigee

  • The free evaluation is a sandbox limited to 60 days
  • Pay-as-you-go has no SLA available at all
  • Pay-as-you-go bills environments separately from API calls, with a Base environment costing $365 per month per region
  • The Base environment is capped at 50 QPS with an SLA of up to 99%
  • Standard API Proxy calls are billed at $20 per 1M calls up to 50M, and Extensible API Proxy calls at $100 per 1M calls up to 50M
  • API Analytics is a paid add-on at $20 per 1M API calls and cannot be bought on a Base environment
  • Advanced API Security is a paid add-on at $350 per 1M API calls and cannot be bought on a Base environment
  • Monetization is unavailable on pay-as-you-go and requires a subscription tier
  • Additional API proxy deployments beyond those included cost $0.04 per hour per region on a Comprehensive environment
  • Subscription tiers Standard, Enterprise and Enterprise Plus are quote only with no published price
  • Google Cloud networking charges for IP addresses, data transfer out and forwarding rules are billed on top of Apigee usage

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

Apigee

$500/monthly
  • Starter$500/monthly
    • API gateway
    • Analytics
    • Developer portal
  • Professional$2500/monthly
    • Advanced security
    • Traffic management
    • Monetization
  • Enterprise$undefined/monthly
    • Custom deployment
    • SLA
    • Dedicated support

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 Apigee if

  • You need api gateway.
  • You work on Cloud, Hybrid, On-premises.
  • You also want api analytics.
Apigee 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 Apigee or Increase better?
Neither clearly leads. Apigee starts at $500/monthly and Increase at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Apigee or Increase?
Apigee starts at $500/monthly and Increase at On request.
Does Apigee or Increase run on more platforms?
Apigee runs on Cloud, Hybrid, On-premises. Increase runs on API, Web.
What is Apigee best used for?
Apigee is most often used for publishing, securing and versioning apis for an enterprise api program, monetizing apis and running a developer portal, analyzing api traffic and defending apis against bots and abuse. Of those, publishing, securing and versioning apis for an enterprise api program and monetizing apis and running a developer portal are not what Increase is typically brought in for.
What can Apigee do that Increase cannot?
Apigee covers API Gateway, API Analytics, Developer Portal, Google Cloud services. Increase covers ACH origination and receipt, Domestic wires, Real-time payments, Bank accounts.

Answered from the vendors’ own pages

Apigee: Does Apigee offer a free tier?

Yes, Apigee offers an always-free tier with access to 20+ products for common API management use cases, and a separate free trial providing $300 in credit for proof-of-concept projects.

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.

Apigee: What is Apigee's pricing model?

Apigee uses a pay-as-you-go pricing model where customers pay based on API calls and usage, with a new pay-as-you-go model designed to optimize costs.

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.

Apigee: Is there a commitment required to start with Apigee?

No. The free trial provides $300 in credit with no automatic charges or commitment required, allowing customers to evaluate the platform risk-free.

Source
Increase: Is it international?

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

Apigee: Are there usage limits I should know about?

Apigee documentation includes a limits page covering usage constraints, though specific limits are not detailed in the pricing section.

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.

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