APIs · head to head
Increase vs Prisma
Increase
APIs
Direct banking API for ACH, wires, real-time payments, accounts and cards
- From
- On request
- Rated
- -
The short version
- Only Prisma has a free tier, so it costs nothing to try first.
- 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.; Prisma prisma Postgres is billed per operation, with the free tier at 100,000 operations and 500 MB of storage
- They diverge on capability: Increase covers ACH origination and receipt, Prisma covers ORM.
- Prices and features above were last checked on 31 August 2026.
Where they differ
Only the attributes on which Increase and Prisma actually diverge.
Identical on both: 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 Prisma
- ORM
- Query builder
- Auto-migrations
- Node.js
- TypeScript
- GraphQL
- REST APIs
- Node.js 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 Prisma
- A marketplace that must hold seller balances in ledgered accounts with real account and routing numbersnot Prisma
- A fintech that wants FedNow and RTP payouts so recipients are paid outside banking hoursnot Prisma
- An engineering team that needs the underlying return codes and settlement timing visible in order to build correct reconciliation and retry logicnot Prisma
Prisma
- Using a type safe ORM and query layer against a Postgres databasenot Increase
- Adding a managed connection pool and edge cache in front of an existing databasenot 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.
Prisma
- Prisma Postgres is billed per operation, with the free tier at 100,000 operations and 500 MB of storage
- Starter at $10 a month includes 1M operations then charges $0.0080 per 1,000
- Storage overage runs from $2.00 per GB on Starter down to $1.00 per GB on Business, so the unit cost depends on the plan
- Accelerate charges separately per operation and per GiB of query egress beyond the first 1 KiB
- Cache tag invalidations are not included below the Pro plan and are billed per thousand above it
Pricing, plan by plan
Increase
On request- Increase Platform$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
Prisma
Free- FreeFree
- 1M requests/month
- 360 GB-hours memory
- 4 vCPU-hours
- Starter$10/month
- 5M requests/month
- 1M database operations ($8 per million overage)
- 10 GB storage ($2/GB overage)
- Pro$49/month
- 20M requests/month
- 10M operations ($2 per million overage)
- 50 GB storage ($1.50/GB overage)
- Business$129/month
- 100M requests/month
- 50M operations ($1 per million overage)
- 100 GB storage
Which should you pick?
Choose Increase if
- You need ach origination and receipt.
- You work on API, Web.
- You also want domestic wires.
Choose Prisma if
- You need orm.
- You want to start without paying.
- You work on Node.js, TypeScript.
- You also want query builder.
Questions people ask
- Is Increase or Prisma better?
- Neither clearly leads. Increase starts at On request and Prisma at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
- Which is cheaper, Increase or Prisma?
- Prisma has a free tier; the other does not. Paid plans start at On request for Increase and Free for Prisma.
- Does Increase or Prisma run on more platforms?
- Increase runs on API, Web. Prisma runs on Node.js, TypeScript.
- Can I use Prisma for free?
- Yes. Prisma has a free tier, so you can try it without paying. Increase starts at On request.
- 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 Prisma is typically brought in for.
- What can Increase do that Prisma cannot?
- Increase covers ACH origination and receipt, Domestic wires, Real-time payments, Bank accounts. Prisma covers ORM, Query builder, Auto-migrations, Node.js.
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.
Prisma: How much does Prisma cost?
Prisma is free to start with 1M requests/month. The Starter plan costs $10/month with 5M requests, the Pro plan $49/month with 20M requests, and the Business plan $129/month with 100M requests. All plans have usage-based overages.
SourceIncrease: 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.
Prisma: What is Prisma's overage pricing?
Prisma charges $1 per million requests over the included amount (Starter), $2 per million database operations overage (Pro and Starter), and $1.50-$2 per GB for storage overages depending on the plan. All plans include a hard spend limit on by default.
SourceIncrease: Is it international?
No. Increase covers United States rails only, so cross border payouts require a second provider.
Prisma: Does Prisma include data transfer costs?
No, Prisma includes unlimited data transfer with no egress fees on all plans. Prisma ORM remains free across all tiers.
SourceIncrease: 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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