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APIs · head to head

Increase vs Synctera

Increase logo

Increase

APIs

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

From
On request
Rated
-
Full reviewWebsite
Synctera logo

Synctera

APIs

Banking-as-a-service platform that brings its own sponsor bank and compliance tooling

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.; Synctera implementation fee, platform fee and monthly minimum are all charged and none are published, so a programme cannot model its fixed cost floor without a sales process, and at low volume those fixed fees rather than transaction pricing determine your economics.
  • They diverge on capability: Increase covers ACH origination and receipt, Synctera covers Sponsor bank matching.
  • Prices and features above were last checked on 31 August 2026.

Where they differ

Only the attributes on which Increase and Synctera actually diverge.

Attributes where Increase and Synctera differ
AttributeIncreaseSynctera
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 Synctera

  • Sponsor bank matching
  • Accounts and ledger
  • Card issuing
  • Money movement
  • KYC and KYB
  • Transaction monitoring
  • Shared bank dashboard
  • Lending 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 Synctera
  • A marketplace that must hold seller balances in ledgered accounts with real account and routing numbersnot Synctera
  • A fintech that wants FedNow and RTP payouts so recipients are paid outside banking hoursnot Synctera
  • An engineering team that needs the underlying return codes and settlement timing visible in order to build correct reconciliation and retry logicnot Synctera

Synctera

  • A software company adding branded debit cards and accounts that has no appetite for sourcing and negotiating with a sponsor bank itselfnot Increase
  • A fintech whose current bank partner is exiting the programme and needs a replacement with the oversight tooling already in placenot Increase
  • A community bank that wants to run a fintech sponsorship line of business without building transaction monitoring and reconciliation from scratchnot Increase
  • A B2B platform issuing spend cards to its customers that needs KYB, monitoring and card issuing from one contractnot 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.

Synctera

  • Implementation fee, platform fee and monthly minimum are all charged and none are published, so a programme cannot model its fixed cost floor without a sales process, and at low volume those fixed fees rather than transaction pricing determine your economics.
  • The sponsor bank remains a third party whose risk appetite governs what you can launch, and a bank exiting or tightening its programme can force product changes you did not choose, which has happened repeatedly across the sector.
  • Onboarding runs on bank timelines, so several months typically pass between contract and first live customer while compliance policies and flow of funds are reviewed by both Synctera and the bank.
  • Coverage is United States focused, so a fintech with cross-border plans needs an entirely separate stack for other markets rather than an extension of this one.
  • Sitting between you and the bank means Synctera is another party in the reconciliation chain, and when balances disagree you are coordinating between two organisations rather than one, which lengthens incident resolution.

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

Synctera

On request
  • Synctera Platform$undefined/year
    • Sponsor bank relationship included
    • Accounts, ledger and card issuing
    • ACH, wire and instant rails

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 Synctera if

  • You need sponsor bank matching.
  • You work on Web, API.
  • You also want accounts and ledger.
Synctera review

Questions people ask

Is Increase or Synctera better?
Neither clearly leads. Increase starts at On request and Synctera at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Increase or Synctera?
Increase starts at On request and Synctera at On request.
Does Increase or Synctera run on more platforms?
Increase runs on API, Web. Synctera 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 Synctera is typically brought in for.
What can Increase do that Synctera cannot?
Increase covers ACH origination and receipt, Domestic wires, Real-time payments, Bank accounts. Synctera covers Sponsor bank matching, Accounts and ledger, Card issuing, Money movement.

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.

Synctera: Does Synctera provide the bank?

Yes. Unlike a pure technology vendor, Synctera contracts with sponsor banks and brings one into your programme.

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.

Synctera: What does it cost?

Nothing is published. Expect an implementation fee, a recurring platform fee and a monthly minimum, plus usage charges.

Increase: Is it international?

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

Synctera: How long does it take to launch?

Plan for months, not weeks, because both Synctera and the sponsor bank run compliance diligence on your programme.

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.

Synctera: Is it available outside the United States?

Its focus is the United States; it has offered Canadian capability but non-US coverage is limited.

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