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APIs · head to head

Increase vs Paymentology

Increase logo

Increase

APIs

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

From
On request
Rated
-
Full reviewWebsite
Paymentology logo

Paymentology

APIs

Cloud issuer processing across emerging and developed markets

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.; Paymentology paymentology processes but does not hold issuing licences, so every market still needs your own licence or a sponsor bank, which is usually the slowest and most expensive part of a launch.
  • They diverge on capability: Increase covers ACH origination and receipt, Paymentology covers Global issuer processing.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Increase and Paymentology actually diverge.

Attributes where Increase and Paymentology differ
AttributeIncreasePaymentology
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 Paymentology

  • Global issuer processing
  • Real time transaction data
  • Virtual and physical issuance
  • Tokenisation
  • Multi currency and multi product
  • Card controls
  • Programme management tools
  • Fraud and risk integration

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

Paymentology

  • A neobank launching cards in an African or South East Asian market where hosted United States processors have no certificationnot Increase
  • A mobile money operator adding a card product on top of an existing wallet basenot Increase
  • A bank consolidating several regional card processors onto one platformnot Increase
  • A fintech expanding an existing card programme into the Gulf without re platformingnot 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.

Paymentology

  • Paymentology processes but does not hold issuing licences, so every market still needs your own licence or a sponsor bank, which is usually the slowest and most expensive part of a launch.
  • Fees include per active card charges and monthly minimums, so a portfolio with many dormant cards pays for plastic that generates no interchange.
  • Certification, settlement and scheme relationships differ by country, so a multi market rollout is a series of separate projects rather than one integration.
  • As a processor it sits between your product and the networks, meaning outages and scheme mandate changes reach your cardholders through a party you do not control.
  • Documentation and developer self service are weaker than the United States hosted processors, so early integration depends heavily on Paymentology implementation staff.

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

Paymentology

On request
  • Paymentology processing$undefined/year
    • Quoted per programme and per market
    • Typically per transaction and per active card fees plus a monthly minimum
    • Issuing licence or sponsor bank required in each market and not provided

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 Paymentology if

  • You need global issuer processing.
  • You work on Web, API.
  • You also want real time transaction data.
Paymentology review

Questions people ask

Is Increase or Paymentology better?
Neither clearly leads. Increase starts at On request and Paymentology at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Increase or Paymentology?
Increase starts at On request and Paymentology at On request.
Does Increase or Paymentology run on more platforms?
Increase runs on API, Web. Paymentology 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 Paymentology is typically brought in for.
What can Increase do that Paymentology cannot?
Increase covers ACH origination and receipt, Domestic wires, Real-time payments, Bank accounts. Paymentology covers Global issuer processing, Real time transaction data, Virtual and physical issuance, Tokenisation.

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.

Paymentology: Does Paymentology provide the BIN and licence?

No. You need your own issuing licence or a sponsor bank in each market; Paymentology processes the transactions.

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.

Paymentology: What is the actual pricing model?

Per transaction and per active card, with a monthly minimum. Dormant cards still cost, so model your activation rate.

Increase: Is it international?

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

Paymentology: Why choose it over a United States issuer processor?

Network certification and live programmes in markets where those processors do not operate, which decides feasibility rather than preference.

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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