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APIs · head to head

Increase vs Vodeno

Increase logo

Increase

APIs

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

From
On request
Rated
-
Full reviewWebsite
Vodeno logo

Vodeno

APIs

Banking-as-a-service platform running on a partner bank licence, backing NatWest's UK BaaS venture

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.; Vodeno its actual regulatory backing differs by geography, Aion Bank in continental Europe versus NatWest in the UK, so a customer must understand which entity and licence they are actually contracting under rather than assuming one uniform Vodeno product.
  • They diverge on capability: Increase covers ACH origination and receipt, Vodeno covers Core banking infrastructure.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Increase and Vodeno actually diverge.

Attributes where Increase and Vodeno differ
AttributeIncreaseVodeno
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 Vodeno

  • Core banking infrastructure
  • Card issuance via Mastercard
  • Lending and BNPL modules
  • White-label mobile apps
  • Digital onboarding and compliance
  • UK entity backed by NatWest

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 Vodeno
  • A marketplace that must hold seller balances in ledgered accounts with real account and routing numbersnot Vodeno
  • A fintech that wants FedNow and RTP payouts so recipients are paid outside banking hoursnot Vodeno
  • An engineering team that needs the underlying return codes and settlement timing visible in order to build correct reconciliation and retry logicnot Vodeno

Vodeno

  • A European retailer or e-commerce business wanting to embed savings, lending or BNPL products under its own brandnot Increase
  • A UK business wanting banking-as-a-service backed specifically by NatWest's banking technology and licencenot Increase
  • A fintech wanting white-label mobile banking app infrastructure rather than building its own from scratchnot Increase
  • A company comparing banking-as-a-service providers that want to understand which underlying bank licence actually backs the product in their marketnot 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.

Vodeno

  • Its actual regulatory backing differs by geography, Aion Bank in continental Europe versus NatWest in the UK, so a customer must understand which entity and licence they are actually contracting under rather than assuming one uniform Vodeno product.
  • Pricing is entirely unpublished across both the European and UK businesses.
  • The scale of NatWest's investment (up to roughly £120 million) signals a business still working toward profitability, with NatWest itself targeting breakeven within five years of the venture launching, which is a meaningful timeline risk for a customer building long-term infrastructure dependency on it.
  • As banking-as-a-service infrastructure, any customer remains dependent on Vodeno's underlying bank partner maintaining its own licence and risk appetite, which is a layer of dependency beyond Vodeno's own commercial terms.
  • Product scope, such as lending and BNPL availability, may differ between the UK and European entities, so a company operating in both markets should not assume identical capability across the two.

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

Vodeno

On request
  • Vodeno$undefined/year
    • Platform licensing fee, not published
    • Terms differ between the European (Aion Bank) and UK (NatWest) entities

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 Vodeno if

  • You need core banking infrastructure.
  • You work on Web, API.
  • You also want card issuance via mastercard.
Vodeno review

Questions people ask

Is Increase or Vodeno better?
Neither clearly leads. Increase starts at On request and Vodeno at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Increase or Vodeno?
Increase starts at On request and Vodeno at On request.
Does Increase or Vodeno run on more platforms?
Increase runs on API, Web. Vodeno 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 Vodeno is typically brought in for.
What can Increase do that Vodeno cannot?
Increase covers ACH origination and receipt, Domestic wires, Real-time payments, Bank accounts. Vodeno covers Core banking infrastructure, Card issuance via Mastercard, Lending and BNPL modules, White-label mobile apps.

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.

Vodeno: Does Vodeno hold its own banking licence?

No, it operates through partner banks, Aion Bank in continental Europe and NatWest in the UK.

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.

Vodeno: Is the UK business the same as the European business?

They are related but distinct entities backed by different bank partners, with different investment structures.

Increase: Is it international?

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

Vodeno: How much has NatWest invested?

A capped commitment of up to roughly £120 million into the UK entity, plus a separate roughly €58 million investment in Vodeno Group for an 18% stake.

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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