Softwr

APIs · head to head

Increase vs Payoneer

Increase logo

Increase

APIs

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

From
On request
Rated
-
Full reviewWebsite
Payoneer logo

Payoneer

Accounting

One account. Infinite opportunities.

From
$29/month
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.; Payoneer an annual account fee of $29.95 USD applies if the account receives less than $6,000 USD in any 12 consecutive months
  • They diverge on capability: Increase covers ACH origination and receipt, Payoneer covers Receive payments.
  • Prices and features above were last checked on 31 August 2026.

Where they differ

Only the attributes on which Increase and Payoneer actually diverge.

Attributes where Increase and Payoneer differ
AttributeIncreasePayoneer
Starting priceOn request$29/month
Pricing modelquoteusage-based
PlatformsAPI, WebWeb, Ios, Android
CategoryAPIsAccounting
FoundedUnknown2005

Identical on both: free tier (No), user rating (Not yet rated).

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 Payoneer

  • Receive payments
  • Multi-currency accounts
  • Working capital
  • Mass payouts
  • Marketplace integrations
  • Amazon
  • Fiverr
  • Upwork

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

Payoneer

  • Freelancer payment collection from Upwork, Fiverr, and global marketplacesnot Increase
  • Multi-currency account management with 70+ currencies supportednot Increase
  • International wire transfers to 190+ countries and territoriesnot Increase
  • Business contractor payments and global workforce managementnot Increase
  • Marketplace mass payouts for seller platforms and gig economynot 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.

Payoneer

  • An annual account fee of $29.95 USD applies if the account receives less than $6,000 USD in any 12 consecutive months
  • The Payoneer card carries a $29.95 USD annual fee and $12.95 USD for a replacement
  • Converting between Payoneer balances in different currencies costs 0.50%
  • Receiving into a non local currency receiving account costs 1%, minimum $1.00 USD
  • Receiving by credit card costs up to 3.99% plus $0.49 USD
  • Withdrawing to a bank in the recipient's local currency costs 1.2% to 4%
  • ATM withdrawals cost $3.15 USD plus up to 1.8%, rising to 3.5% when currency is converted
  • Card purchases requiring conversion cost up to 3.5%

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

Payoneer

$29/month
  • StandardFree
    • Receive payments
    • Multi-currency
    • Marketplace connections

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 Payoneer if

  • You need receive payments.
  • You work on Web, Ios, Android.
  • You also want multi-currency accounts.
Payoneer review

Questions people ask

Is Increase or Payoneer better?
Neither clearly leads. Increase starts at On request and Payoneer at $29/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Increase or Payoneer?
Increase starts at On request and Payoneer at $29/month.
Does Increase or Payoneer run on more platforms?
Increase runs on API, Web. Payoneer runs on Web, 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 Payoneer is typically brought in for.
What can Increase do that Payoneer cannot?
Increase covers ACH origination and receipt, Domestic wires, Real-time payments, Bank accounts. Payoneer covers Receive payments, Multi-currency accounts, Working capital, Mass payouts.

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.

Payoneer: What are Payoneer's withdrawal fees?

Payoneer states its mission is to simplify international payments, but specific withdrawal fees are not published on the homepage. Fee details are accessed via the pricing section.

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.

Payoneer: How much does Payoneer charge for currency conversion?

Payoneer manages multi-currency transactions but does not display conversion rates or fee percentages on the main website.

Source
Increase: Is it international?

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

Payoneer: Is there a monthly fee to keep a Payoneer account?

Payoneer does not list account maintenance fees on its homepage. Specific pricing for account types (freelancer, business, marketplace) requires accessing the pricing page.

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.

Share

Related pages

More on Increase

More on Payoneer

Keep looking

Other head to heads