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APIs · head to head

Increase vs Liveblocks

Increase logo

Increase

APIs

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

From
On request
Rated
-
Full reviewWebsite
Liveblocks logo

Liveblocks

APIs

Realtime collaboration infrastructure for building multiplayer features

From
Free
Rated
-
Full reviewWebsite

The short version

  • Only Liveblocks 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.; Liveblocks on the Free plan, each metered feature has a hard cap and simply pauses when exceeded rather than allowing overage.
  • They diverge on capability: Increase covers ACH origination and receipt, Liveblocks covers Realtime presence and cursors.
  • Prices and features above were last checked on 31 August 2026.

Where they differ

Only the attributes on which Increase and Liveblocks actually diverge.

Attributes where Increase and Liveblocks differ
AttributeIncreaseLiveblocks
Starting priceOn requestFree
Pricing modelquotefreemium
Free tierNoYes
PlatformsAPI, Webweb, api

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 Liveblocks

  • Realtime presence and cursors
  • Comments
  • Version history
  • Custom notifications
  • SSO and SOC 2
  • Management API

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

Liveblocks

  • Adding live cursors and presence to a collaborative editornot Increase
  • Building threaded comments on documents or designsnot Increase
  • Sending realtime notifications tied to collaborative actionsnot Increase
  • Restoring previous versions of collaborative contentnot 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.

Liveblocks

  • On the Free plan, each metered feature has a hard cap and simply pauses when exceeded rather than allowing overage.
  • The jump from Pro ($30/month) to Team (starting at $600/month) is steep for teams that outgrow Pro but don't need full Team scale.
  • Multi-region hosting and SCIM provisioning are Enterprise-only and require custom pricing.

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

Liveblocks

Free
  • FreeFree
    • 10 projects
    • 3 dashboard seats
    • 10 simultaneous connections per room
  • Pro$30/month
    • $30 monthly credits
    • Removes Liveblocks branding
    • 3 dashboard seats
  • Team$600/month
    • SSO and SOC 2
    • 10 dashboard seats
    • 50 connections/room

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 Liveblocks if

  • You need realtime presence and cursors.
  • You want to start without paying.
  • You work on web, api.
  • You also want comments.
Liveblocks review

Questions people ask

Is Increase or Liveblocks better?
Neither clearly leads. Increase starts at On request and Liveblocks at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Increase or Liveblocks?
Liveblocks has a free tier; the other does not. Paid plans start at On request for Increase and Free for Liveblocks.
Does Increase or Liveblocks run on more platforms?
Increase runs on API, Web. Liveblocks runs on web, api.
Can I use Liveblocks for free?
Yes. Liveblocks 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 Liveblocks is typically brought in for.
What can Increase do that Liveblocks cannot?
Increase covers ACH origination and receipt, Domestic wires, Real-time payments, Bank accounts. Liveblocks covers Realtime presence and cursors, Comments, Version history, Custom notifications.

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.

Liveblocks: What does Liveblocks cost?

Liveblocks offers a Free plan with hard usage caps, a Pro plan at $30/month ($25/month billed annually) including $30 in monthly credits, a Team plan from $600/month, and custom Enterprise pricing.

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.

Liveblocks: Is there a free plan, and what are its limits?

Yes, the Free plan includes 10 projects, 3 dashboard seats, 10 simultaneous connections per room, 3,000 collaboration minutes, 200 comments, and 1GB of realtime data storage, with features pausing once a cap is hit.

Source
Increase: Is it international?

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

Liveblocks: How is usage metered?

Paid plans include monthly credits covering collaboration minutes, comments, and storage; usage beyond the credit is billed at metered rates such as $0.002 per collaboration minute and $0.01 per comment, with credits resetting each billing cycle without rollover.

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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