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APIs · head to head

Increase vs REST Client VSCode

Increase logo

Increase

APIs

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

From
On request
Rated
-
Full reviewWebsite
REST Client VSCode logo

REST Client VSCode

APIs

VSCode extension for making HTTP requests and testing REST APIs

From
Free
Rated
-
Full reviewWebsite

The short version

  • Only REST Client VSCode 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.; REST Client VSCode limited to Visual Studio Code; not available as a standalone application
  • They diverge on capability: Increase covers ACH origination and receipt, REST Client VSCode covers REST Client.
  • Prices and features above were last checked on 31 August 2026.

Where they differ

Only the attributes on which Increase and REST Client VSCode actually diverge.

Attributes where Increase and REST Client VSCode differ
AttributeIncreaseREST Client VSCode
Starting priceOn requestFree
Pricing modelquoteUnknown
Free tierNoYes
PlatformsAPI, WebWindows, macOS, Linux
FoundedUnknown2016

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 REST Client VSCode

  • REST Client
  • HTTP requests
  • Response viewing
  • VSCode
  • Environment variables
  • Custom headers
  • VSCode extension 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 REST Client VSCode
  • A marketplace that must hold seller balances in ledgered accounts with real account and routing numbersnot REST Client VSCode
  • A fintech that wants FedNow and RTP payouts so recipients are paid outside banking hoursnot REST Client VSCode
  • An engineering team that needs the underlying return codes and settlement timing visible in order to build correct reconciliation and retry logicnot REST Client VSCode

REST Client VSCode

  • API Developmentnot Increase
  • API Gatewaynot Increase
  • API Testingnot Increase
  • API Documentationnot Increase
  • Microservicesnot 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.

REST Client VSCode

  • Limited to Visual Studio Code; not available as a standalone application
  • No support for WebSocket, gRPC, or other advanced protocols
  • No cloud sync or team server features; requires Git-based workflow

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

REST Client VSCode

Free

No published plan breakdown. See the REST Client VSCode 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 REST Client VSCode if

  • You need rest client.
  • You want to start without paying.
  • You work on Windows, macOS, Linux.
  • You also want http requests.
REST Client VSCode review

Questions people ask

Is Increase or REST Client VSCode better?
Neither clearly leads. Increase starts at On request and REST Client VSCode at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Increase or REST Client VSCode?
REST Client VSCode has a free tier; the other does not. Paid plans start at On request for Increase and Free for REST Client VSCode.
Does Increase or REST Client VSCode run on more platforms?
Increase runs on API, Web. REST Client VSCode runs on Windows, macOS, Linux.
Can I use REST Client VSCode for free?
Yes. REST Client VSCode 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 REST Client VSCode is typically brought in for.
What can Increase do that REST Client VSCode cannot?
Increase covers ACH origination and receipt, Domestic wires, Real-time payments, Bank accounts. REST Client VSCode covers REST Client, HTTP requests, Response viewing, VSCode.

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.

REST Client VSCode: How much does REST Client VSCode cost?

REST Client VSCode is completely free and open source. It is available on the Visual Studio Code Marketplace with no subscription or licensing fees.

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.

REST Client VSCode: What authentication methods does REST Client support?

REST Client supports Basic Auth, Digest Auth, SSL certificates, Azure AD, and AWS Signature v4 authentication for API requests.

Source
Increase: Is it international?

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

REST Client VSCode: Can I save and manage multiple requests?

Yes. REST Client supports multiple requests per file using ### delimiters, request history with auto-save, environment variables for different configurations, and code snippet generation for multiple programming languages.

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.

REST Client VSCode: How do teams collaborate with REST Client?

REST Client requests are stored as text files that can be version-controlled in Git repositories. Teams collaborate by sharing requests through Git, making the API specs part of the codebase.

Source
REST Client VSCode: What protocols does REST Client support?

REST Client primarily supports HTTP/HTTPS and GraphQL. It does not support WebSocket, gRPC, or other advanced protocols available in desktop clients like Insomnia.

Source
REST Client VSCode: Is there cloud sync for REST Client requests?

No. REST Client has no built-in cloud sync or team server features. All collaboration and sharing relies on Git repository management.

Source
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Related pages

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