APIs · head to head
Increase vs Moov
Increase
APIs
Direct banking API for ACH, wires, real-time payments, accounts and cards
- From
- On request
- Rated
- -
Moov
APIs
Payments API with a published rate card covering card acceptance, ACH and instant payouts
- From
- $500/month
- Rated
- -
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.; Moov the 500 US dollar monthly minimum makes Moov unattractive below roughly 80,000 dollars a month of card volume, since the minimum rather than the rate becomes your effective price.
- They diverge on capability: Increase covers ACH origination and receipt, Moov covers Interchange-plus card acceptance.
- Prices and features above were last checked on 31 August 2026.
Where they differ
Only the attributes on which Increase and Moov actually diverge.
Identical on both: 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 Moov
- Interchange-plus card acceptance
- ACH transfers
- Instant payments
- Wallets
- Payment links and invoices
- Virtual cards
- Account verification
- Card account updater
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 Moov
- A marketplace that must hold seller balances in ledgered accounts with real account and routing numbersnot Moov
- A fintech that wants FedNow and RTP payouts so recipients are paid outside banking hoursnot Moov
- An engineering team that needs the underlying return codes and settlement timing visible in order to build correct reconciliation and retry logicnot Moov
Moov
- A vertical SaaS company embedding payments that needs published unit economics to price its own product before signing anythingnot Increase
- A marketplace paying contractors that wants same-day ACH and instant push-to-card in one API with the cost of each visiblenot Increase
- A platform that must hold balances for end users between collection and payout without becoming a money transmitternot Increase
- A software company moving off a legacy gateway that wants interchange-plus transparency instead of a blended rate that hides interchange increasesnot 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.
Moov
- The 500 US dollar monthly minimum makes Moov unattractive below roughly 80,000 dollars a month of card volume, since the minimum rather than the rate becomes your effective price.
- The 50 cent monthly charge per active wallet penalises platforms with many end users who transact rarely, and that cost grows with your user base rather than your revenue.
- United States only, so any platform with international sellers or buyers needs a second provider and a second reconciliation process.
- At very high volume the published interchange-plus markup is less competitive than a directly negotiated acquiring relationship, so success eventually creates a reason to leave.
- The ecosystem of prebuilt integrations, plugins and third-party tooling is far smaller than Stripe's, so anything outside the core API, from tax handling to subscription logic, is work you build yourself.
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
Moov
$500/month- Standard$500/month
- 500 USD monthly minimum, no setup fee
- Card online at interchange plus 0.60% and 15c
- Tap to pay at interchange plus 0.50% and 15c
- Custom$undefined/month
- Negotiated rates for high volume
- Specialised business models
- Dedicated support
Which should you pick?
Choose Increase if
- You need ach origination and receipt.
- You work on API, Web.
- You also want domestic wires.
Choose Moov if
- You need interchange-plus card acceptance.
- You work on Web, API, iOS, Android.
- You also want ach transfers.
Questions people ask
- Is Increase or Moov better?
- Neither clearly leads. Increase starts at On request and Moov at $500/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
- Which is cheaper, Increase or Moov?
- Increase starts at On request and Moov at $500/month.
- Does Increase or Moov run on more platforms?
- Increase runs on API, Web. Moov runs on Web, API, iOS, Android.
- 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 Moov is typically brought in for.
- What can Increase do that Moov cannot?
- Increase covers ACH origination and receipt, Domestic wires, Real-time payments, Bank accounts. Moov covers Interchange-plus card acceptance, ACH transfers, Instant payments, Wallets.
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.
Moov: Does Moov publish its prices?
Yes, in unusual detail: interchange-plus card rates, per-transaction ACH and RTP charges, dispute and return fees, and the monthly minimum are all on the pricing page.
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.
Moov: What is the monthly minimum?
500 US dollars, with no setup fee. Wallet charges and transaction fees count towards it.
Increase: Is it international?
No. Increase covers United States rails only, so cross border payouts require a second provider.
Moov: Can I use Moov outside the United States?
No. Moov handles US payments only, though it accepts international cards at an extra 1.5 percent.
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.
Moov: Is Moov a bank?
No. It is a payments platform working with partner financial institutions, so account and settlement arrangements depend on those partners.
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