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APIs · head to head

Increase vs Ozone API

Increase logo

Increase

APIs

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

From
On request
Rated
-
Full reviewWebsite
Ozone API logo

Ozone API

APIs

Standards-compliant open banking API layer for banks and regulators

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.; Ozone API it provides the API layer, not the core connectivity, so the bulk of the project is still integrating your own core banking systems and that cost is not in the licence.
  • They diverge on capability: Increase covers ACH origination and receipt, Ozone API covers Multi-standard support.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Increase and Ozone API actually diverge.

Attributes where Increase and Ozone API differ
AttributeIncreaseOzone API
PlatformsAPI, WebWeb, REST API, Linux

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 Ozone API

  • Multi-standard support
  • Consent management
  • Developer portal
  • Regulatory reporting
  • Premium API monetisation
  • Deployment flexibility

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

Ozone API

  • A building society facing an open banking compliance deadline with no API team of its ownnot Increase
  • A bank operating in several jurisdictions that must satisfy different open banking standards at oncenot Increase
  • A regulator or standards body building national open finance infrastructurenot Increase
  • A bank wanting to sell premium APIs beyond the regulatory minimum without building entitlement plumbingnot 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.

Ozone API

  • It provides the API layer, not the core connectivity, so the bulk of the project is still integrating your own core banking systems and that cost is not in the licence.
  • Value is driven by regulatory obligation, so an institution not under a mandate struggles to build a business case for the spend.
  • It is a small UK vendor selling to large regulated institutions, which raises procurement and vendor viability questions during bank due diligence.
  • Premium API monetisation is a genuine capability but few banks have found real demand, so revenue projections used to justify the purchase often do not materialise.
  • Standards evolve continuously and each revision means a change programme in your own systems, even where Ozone absorbs the specification work at the API edge.

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

Ozone API

On request
  • Ozone API$undefined/year
    • Annual licence or managed service subscription, quoted
    • Scaling by institution size, standards in scope and API call volume
    • Implementation and core integration charged separately

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 Ozone API if

  • You need multi-standard support.
  • You work on Web, REST API, Linux.
  • You also want consent management.
Ozone API review

Questions people ask

Is Increase or Ozone API better?
Neither clearly leads. Increase starts at On request and Ozone API at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Increase or Ozone API?
Increase starts at On request and Ozone API at On request.
Does Increase or Ozone API run on more platforms?
Increase runs on API, Web. Ozone API runs on Web, REST API, Linux.
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 Ozone API is typically brought in for.
What can Increase do that Ozone API cannot?
Increase covers ACH origination and receipt, Domestic wires, Real-time payments, Bank accounts. Ozone API covers Multi-standard support, Consent management, Developer portal, Regulatory reporting.

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.

Ozone API: Is this a competitor to Plaid or TrueLayer?

No, the opposite side. Ozone is bought by the bank exposing data; Plaid and TrueLayer consume it on behalf of third parties.

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.

Ozone API: Does it connect to my core banking system?

It provides the standards-compliant API surface and adapters, but connecting your core is an integration project you scope separately.

Increase: Is it international?

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

Ozone API: Which standards does it support?

UK Open Banking, Berlin Group, FDX, Consumer Data Right and Gulf regional standards, among others, from one platform.

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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