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APIs · head to head

Brite Payments vs Increase

Brite Payments logo

Brite Payments

APIs

Instant account to account payments and payouts across Europe

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: Brite Payments because Brite fronts settlement it underwrites the merchant, so higher risk sectors face volume caps, reserves or delayed settlement that undo the instant advantage they bought it for.; 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: Brite Payments covers Instant pay ins, 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 Brite Payments and Increase actually diverge.

Attributes where Brite Payments and Increase differ
AttributeBrite PaymentsIncrease
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 Brite Payments

  • Instant pay ins
  • Instant payouts
  • Proprietary settlement network
  • European bank coverage
  • Recurring and one click
  • Risk and verification
  • Merchant reporting
  • Hosted checkout

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.

Brite Payments

  • A gambling operator that needs deposits confirmed instantly and withdrawals paid out in seconds to retain playersnot Increase
  • A trading platform funding customer accounts without card chargeback exposurenot Increase
  • A marketplace paying sellers on demand rather than in weekly batchesnot Increase
  • A Nordic retailer replacing card acceptance on high value baskets to cut interchange costnot 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 Brite Payments
  • A marketplace that must hold seller balances in ledgered accounts with real account and routing numbersnot Brite Payments
  • A fintech that wants FedNow and RTP payouts so recipients are paid outside banking hoursnot Brite Payments
  • An engineering team that needs the underlying return codes and settlement timing visible in order to build correct reconciliation and retry logicnot Brite Payments

Where each one falls short

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

Brite Payments

  • Because Brite fronts settlement it underwrites the merchant, so higher risk sectors face volume caps, reserves or delayed settlement that undo the instant advantage they bought it for.
  • There is no chargeback scheme, so refunds, disputes and fraud recovery are processes the merchant has to build and staff itself.
  • Coverage and instant capability differ markedly by country, with the Nordics far stronger than southern and eastern Europe, so a pan European rollout gives inconsistent customer experience.
  • Conversion depends on each bank's authentication journey, and the merchant cannot fix a slow or unreliable bank redirect that is costing it sales.
  • A large share of Brite's volume comes from gambling and trading, which concentrates regulatory exposure: a change in gambling payment rules in a key market would affect the provider as well as the merchant.

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

Brite Payments

On request
  • Brite instant payments$undefined/year
    • Quoted per merchant, typically per transaction
    • Pay ins and payouts priced separately
    • Merchant underwriting may impose volume limits, reserves or delayed settlement

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 Brite Payments if

  • You need instant pay ins.
  • You work on Web, API.
  • You also want instant payouts.
Brite Payments 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 Brite Payments or Increase better?
Neither clearly leads. Brite Payments 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, Brite Payments or Increase?
Brite Payments starts at On request and Increase at On request.
Does Brite Payments or Increase run on more platforms?
Brite Payments runs on Web, API. Increase runs on API, Web.
What is Brite Payments best used for?
Brite Payments is most often used for a gambling operator that needs deposits confirmed instantly and withdrawals paid out in seconds to retain players, a trading platform funding customer accounts without card chargeback exposure, a marketplace paying sellers on demand rather than in weekly batches, a nordic retailer replacing card acceptance on high value baskets to cut interchange cost. Of those, a gambling operator that needs deposits confirmed instantly and withdrawals paid out in seconds to retain players and a trading platform funding customer accounts without card chargeback exposure are not what Increase is typically brought in for.
What can Brite Payments do that Increase cannot?
Brite Payments covers Instant pay ins, Instant payouts, Proprietary settlement network, European bank coverage. Increase covers ACH origination and receipt, Domestic wires, Real-time payments, Bank accounts.

Answered from the vendors’ own pages

Brite Payments: How is Brite different from a standard open banking initiator?

It settles on its own network, so the merchant sees funds as final in seconds rather than waiting for the bank transfer to clear.

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.

Brite Payments: Are payouts really instant?

In markets with mature instant payment schemes, yes. Elsewhere the speed depends on local rails, so check country by country.

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.

Brite Payments: What about disputes?

There is no chargeback framework on account to account payments. Refunds and disputes are entirely your own process.

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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