Is i2c or Increase better?

Neither clearly leads. i2c 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, i2c or Increase?

i2c starts at On request and Increase at On request.

Does i2c or Increase run on more platforms?

i2c runs on Web, REST API. Increase runs on API, Web.

What is i2c best used for?

i2c is most often used for a bank wanting credit, debit and prepaid portfolios on one processor rather than three, an issuer in a market where local scheme and currency support rules out us-centric processors, a programme manager launching instalment products without building a lending core, a credit union replacing an ageing processor without writing custom code for product rules. Of those, a bank wanting credit, debit and prepaid portfolios on one processor rather than three and an issuer in a market where local scheme and currency support rules out us-centric processors are not what Increase is typically brought in for.

What can i2c do that Increase cannot?

i2c covers Configurable product engine, Credit and instalments, Multi-currency, Fraud and risk tooling. Increase covers ACH origination and receipt, Domestic wires, Real-time payments, Bank accounts.

APIs · head to head

i2c vs Increase

i2c

APIs

Configurable card issuing and banking processing platform for banks and programme managers

From: On request
Rated: -

Full review Website

Increase

APIs

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

From: On request
Rated: -

Full review Website

The short version

Each has a real cost: i2c developer experience lags API-native competitors, and teams expecting Stripe-grade documentation and sandboxes find an enterprise integration project instead.; 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: i2c covers Configurable product engine, 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 i2c and Increase actually diverge.

Attributes where i2c and Increase differ
Attribute	i2c	Increase
Platforms	Web, REST API	API, 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 i2c

Configurable product engine
Credit and instalments
Multi-currency
Fraud and risk tooling
Digital banking front ends
Global scheme connectivity

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.

i2c

A bank wanting credit, debit and prepaid portfolios on one processor rather than threenot Increase
An issuer in a market where local scheme and currency support rules out US-centric processorsnot Increase
A programme manager launching instalment products without building a lending corenot Increase
A credit union replacing an ageing processor without writing custom code for product rulesnot 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 i2c
A marketplace that must hold seller balances in ledgered accounts with real account and routing numbersnot i2c
A fintech that wants FedNow and RTP payouts so recipients are paid outside banking hoursnot i2c
An engineering team that needs the underlying return codes and settlement timing visible in order to build correct reconciliation and retry logicnot i2c

Where each one falls short

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

i2c

Developer experience lags API-native competitors, and teams expecting Stripe-grade documentation and sandboxes find an enterprise integration project instead.
Implementations lean on i2c or partner professional services, so timelines and costs are set by a services queue rather than by your own engineering speed.
Pricing is per active card and per transaction with monthly minimums, none of it published, so comparing bids requires modelling your own portfolio carefully.
Configuration flexibility means product behaviour lives in platform settings rather than in your repository, which complicates version control, testing and audit trails.
As a private company with a broad global footprint, regional support depth is uneven, and a programme in a smaller market may get thinner service than a flagship account.

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

i2c

On request

i2c processing platform$undefined/year
- Per-active-card and per-transaction processing fees
- Minimum monthly commitments by programme
- Implementation and configuration professional services

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 i2c if

You need configurable product engine.
You work on Web, REST API.
You also want credit and instalments.

i2c 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 i2c or Increase better?: Neither clearly leads. i2c 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, i2c or Increase?: i2c starts at On request and Increase at On request.
Does i2c or Increase run on more platforms?: i2c runs on Web, REST API. Increase runs on API, Web.
What is i2c best used for?: i2c is most often used for a bank wanting credit, debit and prepaid portfolios on one processor rather than three, an issuer in a market where local scheme and currency support rules out us-centric processors, a programme manager launching instalment products without building a lending core, a credit union replacing an ageing processor without writing custom code for product rules. Of those, a bank wanting credit, debit and prepaid portfolios on one processor rather than three and an issuer in a market where local scheme and currency support rules out us-centric processors are not what Increase is typically brought in for.
What can i2c do that Increase cannot?: i2c covers Configurable product engine, Credit and instalments, Multi-currency, Fraud and risk tooling. Increase covers ACH origination and receipt, Domestic wires, Real-time payments, Bank accounts.

Answered from the vendors’ own pages

i2c: Does i2c issue the cards itself?

No. It processes; issuance sits with a bank or licensed issuer, and in most markets you need that relationship separately.

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.

i2c: Can it handle revolving credit?

Yes. Credit, instalments and buy-now-pay-later sit on the same platform as debit and prepaid, which is unusual among modern processors.

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.

i2c: Is it self-serve?

No. Expect a configuration-led implementation with professional services rather than signing up and calling an API.

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.

i2c vs Increase

i2c

Increase

The short version

Where they differ

What each one covers

Only in i2c

Only in Increase

What people use each for

i2c

Increase

Where each one falls short

i2c

Increase

Pricing, plan by plan

i2c

Increase

Which should you pick?

Choose i2c if

Choose Increase if

Questions people ask

Answered from the vendors’ own pages

Related pages

More on i2c

More on Increase

Keep looking

Other head to heads