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APIs · head to head

Increase vs Rutter

Increase logo

Increase

APIs

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

From
On request
Rated
-
Full reviewWebsite
Rutter logo

Rutter

APIs

One API across accounting, commerce, payments and advertising platforms

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.; Rutter a unified schema exposes only the fields common across platforms, so the platform-specific detail underwriting models want usually requires passthrough calls and per-platform code, which is the work the unified API was bought to avoid.
  • They diverge on capability: Increase covers ACH origination and receipt, Rutter covers Accounting and ERP.
  • Prices and features above were last checked on 31 August 2026.

Where they differ

Only the attributes on which Increase and Rutter actually diverge.

Attributes where Increase and Rutter differ
AttributeIncreaseRutter
PlatformsAPI, WebWeb, API

Identical on both: starting price (On request), pricing model (quote), 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 Rutter

  • Accounting and ERP
  • Commerce data
  • Payments data
  • Advertising data
  • Write operations
  • Passthrough requests
  • Observability tooling
  • Sandbox

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

Rutter

  • A revenue-based lender that must pull a merchant's sales, payouts and general ledger before pricing a facilitynot Increase
  • A spend management product that needs to push bills and journal entries back into whichever accounting system its customer runsnot Increase
  • A B2B payments platform reconciling invoices across customers using four different ERPsnot Increase
  • An insurance or benefits provider that needs verified business financials without asking the customer to upload PDFsnot 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.

Rutter

  • A unified schema exposes only the fields common across platforms, so the platform-specific detail underwriting models want usually requires passthrough calls and per-platform code, which is the work the unified API was bought to avoid.
  • Write operations into accounting systems are where these products break, because each system validates differently, and a rejected journal entry surfaces as a support ticket against you rather than against the ERP.
  • No pricing is published beyond a sandbox trial, so cost cannot be compared against alternatives without a sales process, and pricing tends to scale with connected accounts.
  • QuickBooks Desktop and other on-premises systems require a local connector or hosted agent, which introduces installation steps your customers must complete and support burden you inherit.
  • Sync freshness varies by platform and by customer authorisation state, so a product promising near real-time figures will find some connections update far less often than the marketing implies.

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

Rutter

On request
  • Starter$undefined/month
    • Thirty day sandbox trial
    • Test integrations with QuickBooks, Xero, FreshBooks and Zoho Books
    • Documentation and workflow guides
  • Full Access$undefined/year
    • Production access across all platforms
    • Includes NetSuite, QuickBooks Desktop and Sage Intacct
    • Write operations and passthrough

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 Rutter if

  • You need accounting and erp.
  • You work on Web, API.
  • You also want commerce data.
Rutter review

Questions people ask

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

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.

Rutter: Does Rutter support QuickBooks Desktop?

Yes, which distinguishes it from unified APIs that only cover cloud accounting, and matters because many small businesses still run it.

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.

Rutter: Can Rutter write data back?

Yes. Invoices, bills and journal entries can be pushed into supported accounting systems, not only read.

Increase: Is it international?

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

Rutter: Is there a free tier?

There is a thirty day sandbox trial with test data. Production access requires a paid plan with quoted pricing.

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.

Rutter: What if the unified model lacks a field I need?

Rutter supports passthrough requests to the underlying platform API, though using them reintroduces platform-specific code.

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