APIs · head to head
Increase vs Thredd
Increase
APIs
Direct banking API for ACH, wires, real-time payments, accounts and cards
- From
- On request
- Rated
- -
Thredd
APIs
Issuer processing platform for fintechs and digital banks, formerly Global Processing Services
- 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produce a total cost and the material part of the deal is still negotiated privately.; Thredd pricing is entirely unpublished, so cost comparison against competing processors requires a sales process.
- They diverge on capability: Increase covers ACH origination and receipt, Thredd covers Issuer processing.
- Prices and features above were last checked on 1 September 2026.
Where they differ
Only the attributes on which Increase and Thredd 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 Thredd
- Issuer processing
- Multi-country reach
- Scheme certification
- Programme support across verticals
- High platform availability
- Global office footprint
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 Thredd
- A marketplace that must hold seller balances in ledgered accounts with real account and routing numbersnot Thredd
- A fintech that wants FedNow and RTP payouts so recipients are paid outside banking hoursnot Thredd
- An engineering team that needs the underlying return codes and settlement timing visible in order to build correct reconciliation and retry logicnot Thredd
Thredd
- A digital bank or fintech needing issuer processing across many countries under one contractnot Increase
- A BNPL, lending or crypto product needing certified card processing behind its own brandnot Increase
- A company that finds outdated Global Processing Services (GPS) material and needs to confirm it is now Threddnot Increase
- An embedded finance platform wanting a processor already integrated with core banking systems such as Mambunot 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.
Thredd
- Pricing is entirely unpublished, so cost comparison against competing processors requires a sales process.
- The 2023 rebrand from GPS to Thredd means research under either name alone can miss relevant material, and partner or press references before 2023 will still say GPS.
- Issuer processing does not include the banking licence itself, so a fintech still needs a separate BIN sponsor or bank partner, adding a second relationship to manage.
- As shared infrastructure behind many fintech brands, an outage or processing delay at Thredd becomes a simultaneous incident for every programme running on it, with limited visibility for any single customer into root cause.
- Its verticals span crypto, BNPL and remittance broadly, so depth of specialist support in any one vertical may be thinner than a processor focused narrowly on that niche.
Pricing, plan by plan
Increase
On request- Increase Platform$undefined/month
- Monthly fee quoted by use case and not published
- Next-day ACH origination listed at 0.50 US dollars per transaction
- Same-day ACH origination listed at 2.00 per transaction
Thredd
On request- Thredd$undefined/year
- Volume and programme-based pricing, not published
- Custom quote required via sales
Which should you pick?
Choose Increase if
- You need ach origination and receipt.
- You work on API, Web.
- You also want domestic wires.
Choose Thredd if
- You need issuer processing.
- You work on Web, API.
- You also want multi-country reach.
Questions people ask
- Is Increase or Thredd better?
- Neither clearly leads. Increase starts at On request and Thredd at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
- Which is cheaper, Increase or Thredd?
- Increase starts at On request and Thredd at On request.
- Does Increase or Thredd run on more platforms?
- Increase runs on API, Web. Thredd 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 Thredd is typically brought in for.
- What can Increase do that Thredd cannot?
- Increase covers ACH origination and receipt, Domestic wires, Real-time payments, Bank accounts. Thredd covers Issuer processing, Multi-country reach, Scheme certification, Programme support across verticals.
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.
Thredd: Is Thredd the same company as Global Processing Services?
Yes, GPS rebranded as Thredd in 2023; it is the same company and platform.
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.
Thredd: Does it hold the banking licence for programmes it processes?
No, Thredd is the issuer processor; a separate bank or BIN sponsor holds the actual issuing licence.
Increase: Is it international?
No. Increase covers United States rails only, so cross border payouts require a second provider.
Thredd: Is pricing published?
No, it requires a sales 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.
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