Softwr

APIs · head to head

Asyncapi vs Increase

Asyncapi logo

Asyncapi

APIs

Specification and tools for defining asynchronous APIs

From
Free
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

  • Only Asyncapi has a free tier, so it costs nothing to try first.
  • Each has a real cost: Asyncapi complex to implement and debug asynchronous operations due to their non-linear and concurrent nature; 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: Asyncapi covers API Specification, 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 Asyncapi and Increase actually diverge.

Attributes where Asyncapi and Increase differ
AttributeAsyncapiIncrease
Starting priceFreeOn request
Pricing modelopen-sourcequote
Free tierYesNo
PlatformsWeb, CLI, IDE ExtensionsAPI, Web
Founded2019Unknown

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 Asyncapi

  • API Specification
  • Code generation
  • Documentation
  • Multiple messaging protocols
  • Code generators
  • Specification support
  • Tools support
  • CLI 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.

Asyncapi

  • API Developmentnot Increase
  • API Gatewaynot Increase
  • API Testingnot Increase
  • API Documentationnot Increase
  • Microservicesnot 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 Asyncapi
  • A marketplace that must hold seller balances in ledgered accounts with real account and routing numbersnot Asyncapi
  • A fintech that wants FedNow and RTP payouts so recipients are paid outside banking hoursnot Asyncapi
  • An engineering team that needs the underlying return codes and settlement timing visible in order to build correct reconciliation and retry logicnot Asyncapi

Where each one falls short

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

Asyncapi

  • Complex to implement and debug asynchronous operations due to their non-linear and concurrent nature
  • Keeping AsyncAPI documents up to date is challenging as systems evolve
  • Tracing and debugging asynchronous operations is more difficult than synchronous request-response patterns

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

Asyncapi

Free
  • Open SourceFree
    • AsyncAPI specification
    • Tools
    • Community 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 Asyncapi if

  • You need api specification.
  • You want to start without paying.
  • You work on Web, CLI, IDE Extensions.
  • You also want code generation.
Asyncapi 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 Asyncapi or Increase better?
Neither clearly leads. Asyncapi starts at Free and Increase at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Asyncapi or Increase?
Asyncapi has a free tier; the other does not. Paid plans start at Free for Asyncapi and On request for Increase.
Does Asyncapi or Increase run on more platforms?
Asyncapi runs on Web, CLI, IDE Extensions. Increase runs on API, Web.
Can I use Asyncapi for free?
Yes. Asyncapi has a free tier, so you can try it without paying. Increase starts at On request.
What is Asyncapi best used for?
Asyncapi is most often used for api development, api gateway, api testing, api documentation. Of those, api development and api gateway are not what Increase is typically brought in for.
What can Asyncapi do that Increase cannot?
Asyncapi covers API Specification, Code generation, Documentation, Multiple messaging protocols. Increase covers ACH origination and receipt, Domestic wires, Real-time payments, Bank accounts.

Answered from the vendors’ own pages

Asyncapi: What is AsyncAPI used for?

AsyncAPI is an open-source specification for defining and documenting asynchronous APIs, message-driven systems, and event-driven architectures. It serves the same purpose for async APIs as OpenAPI does for REST APIs, providing standardized documentation, code generation, and tooling.

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.

Asyncapi: Is AsyncAPI free to use?

Yes, AsyncAPI is completely free and open-source. It is hosted by the Linux Foundation and supported by community contributions and sponsorships from companies like Postman, IBM, IQVIA Technology, and Solace.

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.

Asyncapi: What protocols and technologies does AsyncAPI support?

AsyncAPI supports multiple protocols and technologies including Kafka, RabbitMQ, MQTT, Socket.IO, AWS EventBridge, and others. It provides language support for JavaScript/TypeScript, Python, Java, Go, C#/.NET, Kotlin, and PHP.

Source
Increase: Is it international?

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

Asyncapi: Does AsyncAPI have IDE support?

Yes, AsyncAPI has IDE extensions available for VSCode and IntelliJ, along with CLI utilities and GitHub Actions integration for developers.

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.

Share

Related pages

More on Asyncapi

More on Increase

Keep looking

Other head to heads