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APIs · head to head

Fintech Farm vs Increase

Fintech Farm logo

Fintech Farm

APIs

"Neobank in a box" for banks in emerging markets, paid on a performance basis

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: Fintech Farm the performance-based model means a bank is entering an ongoing revenue-sharing relationship rather than buying a one-time or fixed-fee software licence, which changes long-term cost dynamics as the neobank grows.; 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: Fintech Farm covers End-to-end neobank stack, 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 Fintech Farm and Increase actually diverge.

Attributes where Fintech Farm and Increase differ
AttributeFintech FarmIncrease
PlatformsWeb, iOS, AndroidAPI, 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 Fintech Farm

  • End-to-end neobank stack
  • Credit scoring engines
  • Debit, credit and BNPL products
  • Investment features
  • Performance-based partnership
  • Emerging market focus

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.

Fintech Farm

  • A mid-sized regulated bank in an emerging market wanting to launch a neobank without building digital product expertise in housenot Increase
  • A bank wanting a partner compensated on growth outcomes rather than a fixed software licencenot Increase
  • An institution needing credit scoring built specifically for thin-file, underbanked emerging market customersnot Increase
  • A bank expanding into a new emerging market and wanting a proven neobank launch playbook rather than starting from scratchnot 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 Fintech Farm
  • A marketplace that must hold seller balances in ledgered accounts with real account and routing numbersnot Fintech Farm
  • A fintech that wants FedNow and RTP payouts so recipients are paid outside banking hoursnot Fintech Farm
  • An engineering team that needs the underlying return codes and settlement timing visible in order to build correct reconciliation and retry logicnot Fintech Farm

Where each one falls short

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

Fintech Farm

  • The performance-based model means a bank is entering an ongoing revenue-sharing relationship rather than buying a one-time or fixed-fee software licence, which changes long-term cost dynamics as the neobank grows.
  • It requires the partner bank to already hold a banking licence and balance sheet, so it is not usable by a company wanting to launch banking services without any existing regulatory status.
  • Focus on emerging markets means less proven track record in developed, heavily regulated markets such as the US or Western Europe.
  • As a smaller, founder-led company relative to Mambu or Temenos, its longevity and ability to support partner banks over a decade-plus relationship carries more vendor-risk uncertainty.
  • Being compensated on customer and revenue growth creates a natural incentive to prioritise growth-driving features over, for example, deep compliance tooling that does not directly move those metrics.

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

Fintech Farm

On request
  • Fintech Farm$undefined/year
    • Performance-based compensation tied to customer numbers and revenue generated
    • No published flat licence fee

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 Fintech Farm if

  • You need end-to-end neobank stack.
  • You work on Web, iOS, Android.
  • You also want credit scoring engines.
Fintech Farm 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 Fintech Farm or Increase better?
Neither clearly leads. Fintech Farm 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, Fintech Farm or Increase?
Fintech Farm starts at On request and Increase at On request.
Does Fintech Farm or Increase run on more platforms?
Fintech Farm runs on Web, iOS, Android. Increase runs on API, Web.
What is Fintech Farm best used for?
Fintech Farm is most often used for a mid-sized regulated bank in an emerging market wanting to launch a neobank without building digital product expertise in house, a bank wanting a partner compensated on growth outcomes rather than a fixed software licence, an institution needing credit scoring built specifically for thin-file, underbanked emerging market customers, a bank expanding into a new emerging market and wanting a proven neobank launch playbook rather than starting from scratch. Of those, a mid-sized regulated bank in an emerging market wanting to launch a neobank without building digital product expertise in house and a bank wanting a partner compensated on growth outcomes rather than a fixed software licence are not what Increase is typically brought in for.
What can Fintech Farm do that Increase cannot?
Fintech Farm covers End-to-end neobank stack, Credit scoring engines, Debit, credit and BNPL products, Investment features. Increase covers ACH origination and receipt, Domestic wires, Real-time payments, Bank accounts.

Answered from the vendors’ own pages

Fintech Farm: How is Fintech Farm paid?

On a performance basis, tied to the number of customers and revenue its neobank product generates for the partner bank, rather than a flat licence fee.

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.

Fintech Farm: Does the bank need its own licence?

Yes, Fintech Farm partners with banks that already hold a banking licence and balance sheet; it does not provide the licence itself.

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.

Fintech Farm: Which markets does it focus on?

Emerging markets, including operations across regions such as Vietnam, Nigeria and increasingly India.

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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