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APIs · head to head

Increase vs Mambu

Increase logo

Increase

APIs

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

From
On request
Rated
-
Full reviewWebsite
Mambu logo

Mambu

APIs

Composable cloud core banking platform used by banks, lenders and fintechs in 65-plus countries

From
On request
Rated
-
Full reviewWebsite

The short version

  • 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cannot produce a total cost and the material part of the deal is still negotiated privately.; Mambu pricing is entirely unpublished, and as subscription and usage-based fees scale with a bank's book of business, total cost at scale is hard to forecast before a detailed vendor conversation.
  • They diverge on capability: Increase covers ACH origination and receipt, Mambu covers Composable engine architecture.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Increase and Mambu actually diverge.

Attributes where Increase and Mambu differ
AttributeIncreaseMambu
PlatformsAPI, WebWeb, API

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 Increase

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

Only in Mambu

  • Composable engine architecture
  • Deposits and lending core
  • Cloud-native SaaS delivery
  • Marketplace of connectors
  • Multi-country regulatory support
  • API-first orchestration

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

Mambu

  • A digital-first challenger bank wanting a cloud-native core without building banking infrastructure from scratchnot Increase
  • A lender needing configurable loan product engines to launch new credit products fasternot Increase
  • An established bank doing incremental core modernisation rather than a full monolithic core replacementnot Increase
  • A fintech in an emerging or regulated market needing pre-built compliance configuration across many jurisdictionsnot 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.

Mambu

  • Pricing is entirely unpublished, and as subscription and usage-based fees scale with a bank's book of business, total cost at scale is hard to forecast before a detailed vendor conversation.
  • A core banking implementation is a multi-year, high-switching-cost commitment regardless of vendor, and Mambu is no exception; a wrong initial configuration choice is expensive to unwind.
  • Composability is a genuine strength but also means more integration and configuration decisions fall to the bank's own team or system integrator, versus a more opinionated, less flexible fixed-core alternative.
  • As cloud-hosted core banking infrastructure, a bank is trusting Mambu's own uptime and security posture for its most business-critical system, concentrating operational risk in one vendor relationship.
  • Newer entrants such as Thought Machine and 10x Banking compete directly on similar composable positioning, so Mambu's tenure advantage is real but narrowing as competitors mature.

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

Mambu

On request
  • Mambu$undefined/year
    • Subscription pricing, structured by modules and usage
    • Exact rates not published, custom quote required

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 Mambu if

  • You need composable engine architecture.
  • You work on Web, API.
  • You also want deposits and lending core.
Mambu review

Questions people ask

Is Increase or Mambu better?
Neither clearly leads. Increase starts at On request and Mambu at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Increase or Mambu?
Increase starts at On request and Mambu at On request.
Does Increase or Mambu run on more platforms?
Increase runs on API, Web. Mambu runs on Web, API.
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 Mambu is typically brought in for.
What can Increase do that Mambu cannot?
Increase covers ACH origination and receipt, Domestic wires, Real-time payments, Bank accounts. Mambu covers Composable engine architecture, Deposits and lending core, Cloud-native SaaS delivery, Marketplace of connectors.

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.

Mambu: Is Mambu on-premise or cloud?

Cloud-native SaaS delivery, not an on-premise installation.

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.

Mambu: Does it publish pricing?

No, pricing is subscription-based, structured by modules and usage, but not published publicly.

Increase: Is it international?

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

Mambu: How many countries does it operate in?

It is used by banks, lenders and fintechs across more than 65 countries.

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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