APIs · head to head
Increase vs Sila
Increase
APIs
Direct banking API for ACH, wires, real-time payments, accounts and cards
- From
- On request
- Rated
- -
Sila
APIs
US money movement API for ACH, RTP and FedNow with KYC and ledgering built in
- From
- On request
- Rated
- -
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.; Sila no pricing is published, so you cannot compare Sila against Moov or Dwolla without entering two sales processes, and small programmes frequently find the monthly minimum dominates their cost at low volume.
- They diverge on capability: Increase covers ACH origination and receipt, Sila covers ACH origination.
- Prices and features above were last checked on 31 August 2026.
Where they differ
Only the attributes on which Increase and Sila actually diverge.
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 Sila
- ACH origination
- Instant rails
- KYC and KYB
- Virtual accounts
- Ledger
- Wallets and holds
- Webhooks
- Bank-side deployment
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 Sila
- A marketplace that must hold seller balances in ledgered accounts with real account and routing numbersnot Sila
- A fintech that wants FedNow and RTP payouts so recipients are paid outside banking hoursnot Sila
- An engineering team that needs the underlying return codes and settlement timing visible in order to build correct reconciliation and retry logicnot Sila
Sila
- A small fintech that needs ACH, identity verification and a ledger from one vendor because it has no compliance team to assemble threenot Increase
- A marketplace paying out to sellers that wants same-day ACH and instant push options without becoming a money transmitter itselfnot Increase
- A community bank replacing batch file ACH processing with an API so it can offer real-time payments to business customersnot Increase
- A lending platform that must verify business identity, disburse funds and collect repayments on a schedule from a single integrationnot 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.
Sila
- No pricing is published, so you cannot compare Sila against Moov or Dwolla without entering two sales processes, and small programmes frequently find the monthly minimum dominates their cost at low volume.
- Sila is materially smaller and less well capitalised than the banking-as-a-service names it competes with, which matters because your customer funds and your payment rails depend on the vendor still trading in three years.
- The sponsor bank behind your programme determines what you can offer and how fast you can change it, and bank partnerships in this sector have been reshuffled repeatedly since 2023, so a bank change during your contract is a realistic risk rather than a theoretical one.
- Coverage is United States only, so any product with cross-border ambitions needs a second payments vendor and a second reconciliation process from the outset.
- Onboarding involves compliance diligence on your own programme, and teams routinely underestimate this, with weeks lost between signing and first live transaction while policies, flow of funds diagrams and BSA arrangements are reviewed.
Pricing, plan by plan
Increase
On request- Increase Platform$undefined/month
- Monthly fee quoted by use case and not published
- Next-day ACH origination listed at 0.50 US dollars per transaction
- Same-day ACH origination listed at 2.00 per transaction
Sila
On request- Sila Payments Platform$undefined/month
- ACH, RTP and FedNow
- KYC and KYB verification
- Virtual accounts and ledger
Which should you pick?
Choose Increase if
- You need ach origination and receipt.
- You work on API, Web.
- You also want domestic wires.
Questions people ask
- Is Increase or Sila better?
- Neither clearly leads. Increase starts at On request and Sila at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
- Which is cheaper, Increase or Sila?
- Increase starts at On request and Sila at On request.
- Does Increase or Sila run on more platforms?
- Increase runs on API, Web. Sila 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 Sila is typically brought in for.
- What can Increase do that Sila cannot?
- Increase covers ACH origination and receipt, Domestic wires, Real-time payments, Bank accounts. Sila covers ACH origination, Instant rails, KYC and KYB, Virtual 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.
Sila: Does Sila require a sponsor bank?
Yes. Funds sit at a partner bank, and which bank that is affects your product features and your regulatory exposure, so ask before signing.
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.
Sila: Is Sila still operating?
Yes. It continues to trade and announced an API integration with GBank in 2025 covering ACH, RTP and FedNow.
Increase: Is it international?
No. Increase covers United States rails only, so cross border payouts require a second provider.
Sila: What does it cost?
Sila does not publish rates. Expect per-transaction pricing plus a monthly minimum, quoted after a compliance conversation.
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.
Sila: Can I use it outside the United States?
No. Sila covers US rails only.
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- Sila vs Dwolla
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- Sila vs Treasury Prime
- Sila vs Moov
- Sila vs Column
- Sila vs Lithic
- Sila vs Volt
- Sila vs Swan
- Sila vs TrueLayer
- Sila vs Griffin
- Sila vs KeystoneJS
- Sila vs Kong
- Sila vs Liveblocks
- Sila vs Moesif
- Sila vs Ozone API
- Sila vs Parse Server
- Sila vs Formance
- Sila vs Weavr
- Sila vs Solaris
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- Sila vs Stainless