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APIs · head to head

Enfuce vs Increase

Enfuce logo

Enfuce

APIs

European issuer processor holding its own payment institution licence

From
On request
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: Enfuce coverage is European, so a programme that also needs US or Asian issuing requires a separate processor and a separate integration.; 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: Enfuce covers Licensed issuing, Increase covers ACH origination and receipt.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Enfuce and Increase actually diverge.

Attributes where Enfuce and Increase differ
AttributeEnfuceIncrease
PlatformsWeb, REST APIAPI, Web

Identical on both: starting price (On request), pricing model (quote), 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 Enfuce

  • Licensed issuing
  • Card processing
  • Tokenisation
  • Spend controls
  • Multi-currency programmes
  • Carbon and data services

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.

Enfuce

  • A European fintech launching cards without spending two quarters finding a sponsor banknot Increase
  • A corporate issuing fuel or expense cards across several EU countries on one programmenot Increase
  • A bank migrating an existing European card portfolio off a legacy processornot Increase
  • A programme that must report cardholder transaction carbon data to meet sustainability commitmentsnot 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 Enfuce
  • A marketplace that must hold seller balances in ledgered accounts with real account and routing numbersnot Enfuce
  • A fintech that wants FedNow and RTP payouts so recipients are paid outside banking hoursnot Enfuce
  • An engineering team that needs the underlying return codes and settlement timing visible in order to build correct reconciliation and retry logicnot Enfuce

Where each one falls short

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

Enfuce

  • Coverage is European, so a programme that also needs US or Asian issuing requires a separate processor and a separate integration.
  • Where Enfuce acts as the licensed issuer it takes on regulatory risk and prices accordingly, so the convenience of skipping a sponsor bank is not free.
  • European interchange caps limit programme revenue far below US levels, so business cases imported from a US card model do not survive the move.
  • It is a smaller supplier than Marqeta or i2c, which means less negotiating room on scheme fees and a thinner partner ecosystem around it.
  • Pricing is entirely quoted with monthly minimums, so low-volume programmes carry a fixed cost that does not scale down with a slow launch.

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

Enfuce

On request
  • Enfuce issuing and processing$undefined/year
    • Per-active-card and per-transaction fees with monthly minimums
    • Higher pricing where Enfuce acts as licensed issuer rather than processor only
    • Interchange arrangements depend on who holds the issuing licence

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 Enfuce if

  • You need licensed issuing.
  • You work on Web, REST API.
  • You also want card processing.
Enfuce 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 Enfuce or Increase better?
Neither clearly leads. Enfuce starts at On request and Increase at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Enfuce or Increase?
Enfuce starts at On request and Increase at On request.
Does Enfuce or Increase run on more platforms?
Enfuce runs on Web, REST API. Increase runs on API, Web.
What is Enfuce best used for?
Enfuce is most often used for a european fintech launching cards without spending two quarters finding a sponsor bank, a corporate issuing fuel or expense cards across several eu countries on one programme, a bank migrating an existing european card portfolio off a legacy processor, a programme that must report cardholder transaction carbon data to meet sustainability commitments. Of those, a european fintech launching cards without spending two quarters finding a sponsor bank and a corporate issuing fuel or expense cards across several eu countries on one programme are not what Increase is typically brought in for.
What can Enfuce do that Increase cannot?
Enfuce covers Licensed issuing, Card processing, Tokenisation, Spend controls. Increase covers ACH origination and receipt, Domestic wires, Real-time payments, Bank accounts.

Answered from the vendors’ own pages

Enfuce: Do I need my own licence to use Enfuce?

Not necessarily. Enfuce holds Finnish payment institution authorisation and can act as issuer, or process under your own licence if you have one.

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.

Enfuce: Which regions does it cover?

Europe. It is not a route to issuing cards in the United States or Asia.

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.

Enfuce: How does interchange work?

Who holds the issuing licence determines who receives interchange, so the licensing choice and the revenue model are the same decision.

Increase: Is it international?

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

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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