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APIs · head to head

Increase vs Paw

Increase logo

Increase

APIs

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

From
On request
Rated
-
Full reviewWebsite
Paw logo

Paw

APIs

Full-featured REST client for macOS with powerful scripting and testing

From
$99/one-time
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.; Paw no specific pricing amounts published for subscription tiers
  • They diverge on capability: Increase covers ACH origination and receipt, Paw covers REST Client.
  • Prices and features above were last checked on 31 August 2026.

Where they differ

Only the attributes on which Increase and Paw actually diverge.

Attributes where Increase and Paw differ
AttributeIncreasePaw
Starting priceOn request$99/one-time
Pricing modelquotesubscription
PlatformsAPI, WebMacOS
FoundedUnknown2013

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 Paw

  • REST Client
  • Scripting
  • Dynamic Values
  • Slack
  • GitHub
  • Custom extensions
  • MacOS support

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

Paw

  • API Developmentnot Increase
  • API Gatewaynot Increase
  • API Testingnot Increase
  • API Documentationnot Increase
  • Microservicesnot 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.

Paw

  • No specific pricing amounts published for subscription tiers
  • Individual and volume licensing requires direct contact
  • Limited details on team subscription 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

Paw

$99/one-time
  • Standard$99/one-time
    • Full REST client
    • Advanced scripting
    • Extensions
  • Annual License$49/yearly
    • All features
    • Updates
    • Priority support

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 Paw if

  • You need rest client.
  • You work on MacOS.
  • You also want scripting.
Paw review

Questions people ask

Is Increase or Paw better?
Neither clearly leads. Increase starts at On request and Paw at $99/one-time, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Increase or Paw?
Increase starts at On request and Paw at $99/one-time.
Does Increase or Paw run on more platforms?
Increase runs on API, Web. Paw runs on MacOS.
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 Paw is typically brought in for.
What can Increase do that Paw cannot?
Increase covers ACH origination and receipt, Domestic wires, Real-time payments, Bank accounts. Paw covers REST Client, Scripting, Dynamic Values, Slack.

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.

Paw: How much does RapidAPI for Mac (Paw) cost?

Paw offers a free tier for personal and professional use. Paid subscription plans are available on monthly and yearly billing, but specific pricing amounts are not disclosed and require direct contact with RapidAPI.

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.

Paw: Is there a free version of Paw?

Yes, RapidAPI for Mac (Paw) is free for both personal and professional use.

Source
Increase: Is it international?

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

Paw: What features are included in the free version of Paw?

The free tier includes HTTP client capabilities for API testing, API documentation, personal sync across devices, and support for Swagger, RAML, and API Blueprint formats.

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.

Paw: What additional features do Paw team subscriptions include?

Team subscription plans include all personal features plus collaborative tools, team project access, synchronized workflows with safe data merges, and real-time notifications and updates.

Source
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