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APIs · head to head

Increase vs Spring Cloud Gateway

Increase logo

Increase

APIs

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

From
On request
Rated
-
Full reviewWebsite
Spring Cloud Gateway logo

Spring Cloud Gateway

APIs

API gateway built on Project Reactor for building microservices

From
Free
Rated
-
Full reviewWebsite

The short version

  • Only Spring Cloud Gateway 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.; Spring Cloud Gateway released under the Apache 2.0 license, free and open source with no commercial tier
  • They diverge on capability: Increase covers ACH origination and receipt, Spring Cloud Gateway covers Routing.
  • Prices and features above were last checked on 31 August 2026.

Where they differ

Only the attributes on which Increase and Spring Cloud Gateway actually diverge.

Attributes where Increase and Spring Cloud Gateway differ
AttributeIncreaseSpring Cloud Gateway
Starting priceOn requestFree
Pricing modelquoteopen-source
Free tierNoYes
PlatformsAPI, WebJava, Spring Boot
FoundedUnknown1998

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 Spring Cloud Gateway

  • Routing
  • Path Rewriting
  • Circuit Breaker
  • Spring Boot
  • Spring Security
  • Spring Cloud
  • Java support
  • Spring Boot 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 Spring Cloud Gateway
  • A marketplace that must hold seller balances in ledgered accounts with real account and routing numbersnot Spring Cloud Gateway
  • A fintech that wants FedNow and RTP payouts so recipients are paid outside banking hoursnot Spring Cloud Gateway
  • An engineering team that needs the underlying return codes and settlement timing visible in order to build correct reconciliation and retry logicnot Spring Cloud Gateway

Spring Cloud Gateway

  • 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.

Spring Cloud Gateway

  • Released under the Apache 2.0 license, free and open source with no commercial tier

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

Spring Cloud Gateway

Free
  • Open SourceFree
    • Core Spring Cloud Gateway
    • Community support

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 Spring Cloud Gateway if

  • You need routing.
  • You want to start without paying.
  • You work on Java, Spring Boot.
  • You also want path rewriting.
Spring Cloud Gateway review

Questions people ask

Is Increase or Spring Cloud Gateway better?
Neither clearly leads. Increase starts at On request and Spring Cloud Gateway at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Increase or Spring Cloud Gateway?
Spring Cloud Gateway has a free tier; the other does not. Paid plans start at On request for Increase and Free for Spring Cloud Gateway.
Does Increase or Spring Cloud Gateway run on more platforms?
Increase runs on API, Web. Spring Cloud Gateway runs on Java, Spring Boot.
Can I use Spring Cloud Gateway for free?
Yes. Spring Cloud Gateway 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 Spring Cloud Gateway is typically brought in for.
What can Increase do that Spring Cloud Gateway cannot?
Increase covers ACH origination and receipt, Domestic wires, Real-time payments, Bank accounts. Spring Cloud Gateway covers Routing, Path Rewriting, Circuit Breaker, Spring Boot.

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.

Spring Cloud Gateway: Is Spring Cloud Gateway free?

Yes, Spring Cloud Gateway is free and open-source software. It is part of the Spring ecosystem and available through GitHub repositories with open-source dependencies like spring-cloud-starter-gateway-server-webflux and spring-cloud-starter-gateway-server-webmvc.

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.

Spring Cloud Gateway: What enterprise support is available for Spring Cloud Gateway?

Tanzu Spring provides optional enterprise support including Day 0 access to security patches for organizations requiring guaranteed support, but specific pricing is not published on the Spring Cloud Gateway project page.

Source
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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