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APIs · head to head

Fintecture vs Increase

Fintecture logo

Fintecture

APIs

French open banking payments built around B2B invoice collection

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: Fintecture coverage and merchant adoption are heavily French, so a European rollout means strong performance in one market and a thin experience in the rest.; 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: Fintecture covers Invoice payment links, 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 Fintecture and Increase actually diverge.

Attributes where Fintecture and Increase differ
AttributeFintectureIncrease
PlatformsWeb, 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 Fintecture

  • Invoice payment links
  • Immediate bank transfer
  • Deferred and instalment payment
  • Automatic reconciliation
  • Multi method checkout
  • Recurring collection
  • ERP and accounting integration
  • Payer verification

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.

Fintecture

  • A French wholesaler collecting large invoice payments where card acceptance cost is prohibitivenot Increase
  • A supplier that spends hours each week matching incoming bank transfers to open invoicesnot Increase
  • A business offering trade customers instalment terms without carrying the credit risk itselfnot Increase
  • A professional services firm sending payment links with each invoice rather than bank details in an emailnot 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 Fintecture
  • A marketplace that must hold seller balances in ledgered accounts with real account and routing numbersnot Fintecture
  • A fintech that wants FedNow and RTP payouts so recipients are paid outside banking hoursnot Fintecture
  • An engineering team that needs the underlying return codes and settlement timing visible in order to build correct reconciliation and retry logicnot Fintecture

Where each one falls short

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

Fintecture

  • Coverage and merchant adoption are heavily French, so a European rollout means strong performance in one market and a thin experience in the rest.
  • Deferred and instalment payment relies on a financing partner that sets acceptance criteria, so your business customers can be declined for reasons you cannot see or influence.
  • As a payment initiator rather than an acquirer, Fintecture leaves refunds, disputes and settlement structure with the supplier, and there is no chargeback framework at all.
  • Business to business bank payments require the payer to authenticate with their bank, and corporate banking authentication with dual approval is materially clunkier than consumer app redirects, which hurts conversion on large invoices.
  • It is a smaller supplier than the pan European open banking firms, so bank API breakage outside France may take longer to fix and support depth is a legitimate procurement concern.

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

Fintecture

On request
  • Fintecture payments$undefined/year
    • Quoted per merchant, typically per transaction with volume tiers
    • Deferred and instalment payment priced separately and underwritten by a financing partner
    • No interchange on bank transfer payments

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 Fintecture if

  • You need invoice payment links.
  • You work on Web, API.
  • You also want immediate bank transfer.
Fintecture 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 Fintecture or Increase better?
Neither clearly leads. Fintecture 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, Fintecture or Increase?
Fintecture starts at On request and Increase at On request.
Does Fintecture or Increase run on more platforms?
Fintecture runs on Web, API. Increase runs on API, Web.
What is Fintecture best used for?
Fintecture is most often used for a french wholesaler collecting large invoice payments where card acceptance cost is prohibitive, a supplier that spends hours each week matching incoming bank transfers to open invoices, a business offering trade customers instalment terms without carrying the credit risk itself, a professional services firm sending payment links with each invoice rather than bank details in an email. Of those, a french wholesaler collecting large invoice payments where card acceptance cost is prohibitive and a supplier that spends hours each week matching incoming bank transfers to open invoices are not what Increase is typically brought in for.
What can Fintecture do that Increase cannot?
Fintecture covers Invoice payment links, Immediate bank transfer, Deferred and instalment payment, Automatic reconciliation. Increase covers ACH origination and receipt, Domestic wires, Real-time payments, Bank accounts.

Answered from the vendors’ own pages

Fintecture: Is Fintecture aimed at retail checkout?

No. Its design centre is business to business invoice collection, where average values are high and reconciliation is the real problem.

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.

Fintecture: Who carries the risk on deferred payment?

A financing partner underwrites it, which means acceptance criteria and declines are set outside your control.

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.

Fintecture: Does it work outside France?

It operates in other European markets, but coverage and adoption are markedly weaker than in France.

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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