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APIs · head to head

10x Banking vs Increase

10x Banking logo

10x Banking

APIs

Cloud-native core banking platform built for large incumbent bank migrations

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: 10x Banking engagements are multi-year core replacement programmes with costs dominated by migration and integration, so the licence is a minority of what you actually spend.; 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: 10x Banking covers SuperCore ledger, 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 10x Banking and Increase actually diverge.

Attributes where 10x Banking and Increase differ
Attribute10x BankingIncrease
PlatformsWeb, REST API, LinuxAPI, 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 10x Banking

  • SuperCore ledger
  • Product configuration
  • Event streaming
  • Migration tooling
  • Payments orchestration
  • Cloud deployment

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.

10x Banking

  • A tier-one bank replacing a mainframe core over several years while keeping it running in parallelnot Increase
  • A bank launching a separate digital brand on a modern core before migrating the main booknot Increase
  • An institution whose regulator demands real-time transaction data its legacy core cannot producenot Increase
  • A bank whose product launch cycle is limited by core release schedules rather than by demandnot 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 10x Banking
  • A marketplace that must hold seller balances in ledgered accounts with real account and routing numbersnot 10x Banking
  • A fintech that wants FedNow and RTP payouts so recipients are paid outside banking hoursnot 10x Banking
  • An engineering team that needs the underlying return codes and settlement timing visible in order to build correct reconciliation and retry logicnot 10x Banking

Where each one falls short

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

10x Banking

  • Engagements are multi-year core replacement programmes with costs dominated by migration and integration, so the licence is a minority of what you actually spend.
  • The customer list is small and concentrated in large institutions, which makes reference checking and benchmarking difficult before committing.
  • It is a smaller vendor than Temenos or Finastra carrying a systemically important workload, and bank procurement teams treat that concentration as a genuine risk.
  • Product configuration replaces code but shifts complexity into configuration governance, which banks must staff and control just as carefully as software releases.
  • Value only appears after migration, so a programme cancelled or paused mid-transition leaves the bank running two cores and paying for both.

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

10x Banking

On request
  • SuperCore$undefined/year
    • Multi-year enterprise licence, quoted
    • Scaling by accounts, transaction volume and product lines
    • Substantial implementation and migration programme costs

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 10x Banking if

  • You need supercore ledger.
  • You work on Web, REST API, Linux.
  • You also want product configuration.
10x Banking 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 10x Banking or Increase better?
Neither clearly leads. 10x Banking 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, 10x Banking or Increase?
10x Banking starts at On request and Increase at On request.
Does 10x Banking or Increase run on more platforms?
10x Banking runs on Web, REST API, Linux. Increase runs on API, Web.
What is 10x Banking best used for?
10x Banking is most often used for a tier-one bank replacing a mainframe core over several years while keeping it running in parallel, a bank launching a separate digital brand on a modern core before migrating the main book, an institution whose regulator demands real-time transaction data its legacy core cannot produce, a bank whose product launch cycle is limited by core release schedules rather than by demand. Of those, a tier-one bank replacing a mainframe core over several years while keeping it running in parallel and a bank launching a separate digital brand on a modern core before migrating the main book are not what Increase is typically brought in for.
What can 10x Banking do that Increase cannot?
10x Banking covers SuperCore ledger, Product configuration, Event streaming, Migration tooling. Increase covers ACH origination and receipt, Domestic wires, Real-time payments, Bank accounts.

Answered from the vendors’ own pages

10x Banking: Who is 10x Banking for?

Large incumbent banks running core replacement, not challengers or fintechs looking for a quick launch.

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.

10x Banking: How long does implementation take?

Years rather than months. Migration design and coexistence with the legacy core dominate the timeline.

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.

10x Banking: Is pricing published?

No. It is a quoted multi-year enterprise licence scaled by accounts, transaction volume and product lines.

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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