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APIs · head to head

Increase vs Portkey

Increase logo

Increase

APIs

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

From
On request
Rated
-
Full reviewWebsite
Portkey logo

Portkey

APIs

Observe, govern, and secure every AI interaction across your enterprise

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.; Portkey the free Developer tier records only 10,000 logs per month with 3 day log retention; the $49 per month Production tier raises that to 100,000 logs with $9 per additional 100,000 requests, as of August 2026.
  • Prices and features above were last checked on 31 August 2026.

Where they differ

Only the attributes on which Increase and Portkey actually diverge.

Attributes where Increase and Portkey differ
AttributeIncreasePortkey
Pricing modelquoteUnknown
PlatformsAPI, WebWeb

Identical on both: starting price (On request), 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 Portkey

Nothing recorded that Increase does not also cover.

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

Portkey

  • Accessing 1,600+ language models through unified API gatewaynot Increase
  • Monitoring and observing LLM behavior in production environmentsnot Increase
  • Managing costs and setting budget limits for AI spendingnot Increase
  • Implementing guardrails and PII redaction for secure AI interactionsnot 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.

Portkey

  • The free Developer tier records only 10,000 logs per month with 3 day log retention; the $49 per month Production tier raises that to 100,000 logs with $9 per additional 100,000 requests, as of August 2026.

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

Portkey

On request

No published plan breakdown. See the Portkey review.

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 Portkey if

Nothing in the data separates Portkey from Increase on the points above - pick on price and on how each one feels to use.

Portkey review

Questions people ask

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

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.

Portkey: What happens if I exceed my Portkey plan's request limit?

Production tier ($49/month) charges $9 per additional 100,000 requests beyond the included 100,000. Enterprise customers have custom limits determined through their service agreement. Source: https://portkey.ai/pricing

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.

Portkey: Can I self-host Portkey to avoid per-request billing?

Yes. Portkey offers an Open Source self-hosted version with unlimited requests at no cost, including universal API, routing, guardrails, and load balancing features. Source: https://portkey.ai/pricing

Source
Increase: Is it international?

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

Portkey: How long does Portkey retain my logs and metrics?

Free Developer tier retains logs 3 days and metrics 30 days. Production tier retains logs 30 days and metrics 90 days. Enterprise tier offers custom retention periods. Source: https://portkey.ai/pricing

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.

Portkey: What compliance features are included in the Enterprise plan?

Enterprise tier includes SOC2 Type 2 certification, GDPR compliance, HIPAA compliance, VPC hosting, SSO, advanced guardrails, and dedicated support. Custom pricing required. Source: https://portkey.ai/pricing

Source
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