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APIs · head to head

Increase vs LiteLLM

Increase logo

Increase

APIs

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

From
On request
Rated
-
Full reviewWebsite
LiteLLM logo

LiteLLM

APIs

The AI Gateway for platform teams

From
Free
Rated
-
Full reviewWebsite

The short version

  • Only LiteLLM has a free tier, so it costs nothing to try first.
  • Each has a real cost: 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.; LiteLLM enterprise pricing based on annual request capacity and deployment architecture, sized via direct sales
  • Prices and features above were last checked on 31 August 2026.

Where they differ

Only the attributes on which Increase and LiteLLM actually diverge.

Attributes where Increase and LiteLLM differ
AttributeIncreaseLiteLLM
Starting priceOn requestFree
Pricing modelquoteopen-source
Free tierNoYes
PlatformsAPI, WebWeb

Identical on both: 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 Increase

  • ACH origination and receipt
  • Domestic wires
  • Real-time payments
  • Bank accounts
  • Cards
  • Cheques
  • Sandbox and simulations
  • Audit and reconciliation data

Only in LiteLLM

Nothing recorded that Increase does not also cover.

What people use each for

The jobs each tool is most often brought in to do.

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 LiteLLM
  • A marketplace that must hold seller balances in ledgered accounts with real account and routing numbersnot LiteLLM
  • A fintech that wants FedNow and RTP payouts so recipients are paid outside banking hoursnot LiteLLM
  • An engineering team that needs the underlying return codes and settlement timing visible in order to build correct reconciliation and retry logicnot LiteLLM

LiteLLM

  • Accessing 140+ LLM providers through single APInot Increase
  • Implementing cost-based routing for advanced AI tasksnot Increase
  • Deploying new LLM models usually within a daynot Increase
  • Switching backend models with config changes onlynot Increase
  • Maintaining consistent access across 100+ endpointsnot Increase

Where each one falls short

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

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.

LiteLLM

  • Enterprise pricing based on annual request capacity and deployment architecture, sized via direct sales
  • Not per-token based pricing for Enterprise tier

Pricing, plan by plan

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

LiteLLM

Free
  • Open SourceFree
    • 100+ providers
    • One OpenAI API
    • Virtual keys
  • Enterprise$null/mo
    • All Open Source features
    • SSO + SCIM
    • OIDC/JWT authentication

Which should you pick?

Choose Increase if

  • You need ach origination and receipt.
  • You work on API, Web.
  • You also want domestic wires.
Increase review

Choose LiteLLM if

  • You want to start without paying.
LiteLLM review

Questions people ask

Is Increase or LiteLLM better?
Neither clearly leads. Increase starts at On request and LiteLLM at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Increase or LiteLLM?
LiteLLM has a free tier; the other does not. Paid plans start at On request for Increase and Free for LiteLLM.
Does Increase or LiteLLM run on more platforms?
Increase runs on API, Web. LiteLLM runs on Web.
Can I use LiteLLM for free?
Yes. LiteLLM has a free tier, so you can try it without paying. Increase starts at On request.
What is Increase best used for?
Increase is most often used for a payroll or treasury product that needs to originate same-day ach and wires under its own control rather than through a payment processor, a marketplace that must hold seller balances in ledgered accounts with real account and routing numbers, a fintech that wants fednow and rtp payouts so recipients are paid outside banking hours, an engineering team that needs the underlying return codes and settlement timing visible in order to build correct reconciliation and retry logic. Of those, a payroll or treasury product that needs to originate same-day ach and wires under its own control rather than through a payment processor and a marketplace that must hold seller balances in ledgered accounts with real account and routing numbers are not what LiteLLM is typically brought in for.
What can Increase do that LiteLLM cannot?
Increase covers ACH origination and receipt, Domestic wires, Real-time payments, Bank accounts.

Answered from the vendors’ own pages

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.

LiteLLM: Is LiteLLM free to use?

Yes, LiteLLM's open-source version is free forever and requires no credit card. Self-host in minutes with support for 100+ LLM providers.

Source
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.

LiteLLM: What does LiteLLM's Enterprise plan cost?

Enterprise pricing is custom and annual, sized based on your annual gateway request capacity, deployment architecture, and support needs. Not charged per token.

Source
Increase: Is it international?

No. Increase covers United States rails only, so cross border payouts require a second provider.

LiteLLM: Is there a free trial for Enterprise?

Yes, a 30-day Enterprise trial key is available via email with no credit card required.

Source
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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