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APIs · head to head

Increase vs Skrill

Increase logo

Increase

APIs

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

From
On request
Rated
-
Full reviewWebsite
Skrill logo

Skrill

Personal Finance

Fast and secure money transfer

From
Free
Rated
-
Full reviewWebsite

The short version

  • Only Skrill 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.; Skrill a currency conversion fee of 4.49 percent applies to most conversions
  • They diverge on capability: Increase covers ACH origination and receipt, Skrill covers Money transfers.
  • Prices and features above were last checked on 31 August 2026.

Where they differ

Only the attributes on which Increase and Skrill actually diverge.

Attributes where Increase and Skrill differ
AttributeIncreaseSkrill
Starting priceOn requestFree
Pricing modelquotetransaction
Free tierNoYes
PlatformsAPI, WebWeb, IOS, Android
CategoryAPIsPersonal Finance
FoundedUnknown2001

Identical on both: 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 Skrill

  • Money transfers
  • Digital wallet
  • Currency conversion
  • Prepaid card
  • Credit cards
  • 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 Skrill
  • A marketplace that must hold seller balances in ledgered accounts with real account and routing numbersnot Skrill
  • A fintech that wants FedNow and RTP payouts so recipients are paid outside banking hoursnot Skrill
  • An engineering team that needs the underlying return codes and settlement timing visible in order to build correct reconciliation and retry logicnot Skrill

Skrill

  • Sending money internationally from a prepaid digital walletnot Increase
  • Funding and withdrawing from online merchants and gaming sitesnot Increase
  • Buying and selling cryptocurrency inside a wallet accountnot 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.

Skrill

  • A currency conversion fee of 4.49 percent applies to most conversions
  • An inactivity fee of EUR 5.00 is deducted monthly after six months with no login or transaction
  • Card deposits carry a 2.50 percent fee
  • SWIFT bank withdrawals cost 2.80 percent with a minimum fee of EUR 3.5
  • Skrill to Skrill transfers cost 2.99 percent with a EUR 0.50 minimum on standard accounts, reduced to 1.45 percent only for True Skriller accounts
  • Crypto trading fees are tiered by VIP status, from 1.50 percent standard down to 1.30 percent at Gold and Diamond VIP

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

Skrill

Free
  • Free AccountFree
    • Money transfers
    • Digital wallet
  • Premier Account$undefined/month
    • Higher limits
    • Special rates

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 Skrill if

  • You need money transfers.
  • You want to start without paying.
  • You work on Web, IOS, Android.
  • You also want digital wallet.
Skrill review

Questions people ask

Is Increase or Skrill better?
Neither clearly leads. Increase starts at On request and Skrill at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Increase or Skrill?
Skrill has a free tier; the other does not. Paid plans start at On request for Increase and Free for Skrill.
Does Increase or Skrill run on more platforms?
Increase runs on API, Web. Skrill runs on Web, IOS, Android.
Can I use Skrill for free?
Yes. Skrill 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 Skrill is typically brought in for.
What can Increase do that Skrill cannot?
Increase covers ACH origination and receipt, Domestic wires, Real-time payments, Cards. Skrill covers Money transfers, Digital wallet, Currency conversion, Prepaid card. 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.

Skrill: Is Skrill free to use?

Skrill operates on a freemium model. The digital wallet is free to open and use for basic features. The site refers to a fees page where transfer, conversion, and service fees are disclosed.

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.

Skrill: What are Skrill's fees for transfers and conversions?

Skrill lists transfer, conversion, and service fees but does not display the specific amounts on the homepage. Detailed fee structures are available on Skrill's dedicated fees page at /en/siteinformation/fees/.

Source
Increase: Is it international?

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

Skrill: What services does Skrill offer?

Skrill provides international money transfers, online payment processing, cryptocurrency buying and selling, loyalty rewards through the Knect points program, and a mobile app. These services are included in the free account.

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.

Skrill: Is Skrill regulated?

Yes. Skrill Limited is authorized by the Financial Conduct Authority under the Electronic Money Regulations 2011 for issuing electronic money and payment instruments. It is also registered with the FCA as a cryptoasset firm.

Source
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