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APIs · head to head

Increase vs Remitly

Increase logo

Increase

APIs

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

From
On request
Rated
-
Full reviewWebsite
Remitly logo

Remitly

Personal Finance

Send money faster to loved ones abroad

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.; Remitly specific transfer fees and exchange rates not published on website; users must check rates page
  • They diverge on capability: Increase covers ACH origination and receipt, Remitly covers International remittances.
  • Prices and features above were last checked on 31 August 2026.

Where they differ

Only the attributes on which Increase and Remitly actually diverge.

Attributes where Increase and Remitly differ
AttributeIncreaseRemitly
Pricing modelquotetransaction
PlatformsAPI, WebWeb, IOS, Android
CategoryAPIsPersonal Finance
FoundedUnknown2011

Identical on both: starting price (On request), 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
  • Cards
  • Cheques
  • Sandbox and simulations
  • Audit and reconciliation data

Only in Remitly

  • International remittances
  • Multiple delivery methods
  • Send money to 200+ countries
  • Currency conversion
  • Web support
  • IOS support
  • Android support

Both cover

  • Bank accounts

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

Remitly

  • International money transfer and remittance servicenot Increase
  • Cross-border payments for personal financial needsnot 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.

Remitly

  • Specific transfer fees and exchange rates not published on website; users must check rates page
  • Costs vary by destination country, transfer amount, and delivery method
  • No standardized fee schedule available for pricing comparison

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

Remitly

On request
  • Express$undefined/month
    • Fast transfers
    • Multiple delivery methods
  • Economy$undefined/month
    • Lower cost option
    • 3-4 day delivery

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 Remitly if

  • You need international remittances.
  • You work on Web, IOS, Android.
  • You also want multiple delivery methods.
Remitly review

Questions people ask

Is Increase or Remitly better?
Neither clearly leads. Increase starts at On request and Remitly at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Increase or Remitly?
Increase starts at On request and Remitly at On request.
Does Increase or Remitly run on more platforms?
Increase runs on API, Web. Remitly 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 Remitly is typically brought in for.
What can Increase do that Remitly cannot?
Increase covers ACH origination and receipt, Domestic wires, Real-time payments, Cards. Remitly covers International remittances, Multiple delivery methods, Send money to 200+ countries, Currency conversion. Both handle 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.

Remitly: How much does Remitly charge for transfers?

Remitly fees vary by destination country, transfer amount, and delivery speed. The company emphasizes no hidden fees but does not publish a standardized rate table on their main site. Users must visit the Rates and Fees page or enter transfer details in the app for specific 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.

Increase: Is it international?

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

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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