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APIs · head to head

Increase vs Volt

Increase logo

Increase

APIs

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

From
On request
Rated
-
Full reviewWebsite
Volt logo

Volt

APIs

Account-to-account pay by bank across Europe, the UK, Brazil and Australia

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.; Volt account-to-account payments carry no chargeback mechanism, so consumers lose scheme dispute protection and merchants lose a familiar framework for handling claims.
  • They diverge on capability: Increase covers ACH origination and receipt, Volt covers Pay by bank.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Increase and Volt actually diverge.

Attributes where Increase and Volt differ
AttributeIncreaseVolt
PlatformsAPI, WebWeb, REST 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 Volt

  • Pay by bank
  • Circuit Breaker
  • Virtual IBANs
  • Payouts and refunds
  • Verify
  • Stablecoin checkout

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

Volt

  • A travel seller with high average order values paying percentage card fees it wants to replace with flat transfer feesnot Increase
  • An iGaming operator needing fast deposits and payouts where card acceptance is restrictednot Increase
  • A merchant with heavy card fraud that wants strongly authenticated irreversible paymentsnot Increase
  • A marketplace verifying seller bank accounts before paying outnot 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.

Volt

  • Account-to-account payments carry no chargeback mechanism, so consumers lose scheme dispute protection and merchants lose a familiar framework for handling claims.
  • Refunds are outbound payments rather than reversals, which changes treasury handling and means a refund can fail for reasons a card refund never would.
  • Conversion is lower than a stored card because the shopper must complete a bank authentication journey, and drop-off varies significantly by bank.
  • Core pay by bank pricing is per transaction but refunds, payouts, virtual IBANs, Verify and fraud tooling are billed separately, so the real cost is a stack of line items.
  • Bank API availability and quality vary across markets, and an outage at a major bank removes a slice of your checkout with no fallback unless you keep cards live.

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

Volt

On request
  • Volt pay by bank$undefined/year
    • Per successful transaction fee, quoted by volume and market
    • Separate charges for refunds, payouts, virtual IBANs and Verify
    • Circuit Breaker fraud tooling priced as an add-on

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 Volt if

  • You need pay by bank.
  • You work on Web, REST API.
  • You also want circuit breaker.
Volt review

Questions people ask

Is Increase or Volt better?
Neither clearly leads. Increase starts at On request and Volt at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Increase or Volt?
Increase starts at On request and Volt at On request.
Does Increase or Volt run on more platforms?
Increase runs on API, Web. Volt runs on Web, REST 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 Volt is typically brought in for.
What can Increase do that Volt cannot?
Increase covers ACH origination and receipt, Domestic wires, Real-time payments, Bank accounts. Volt covers Pay by bank, Circuit Breaker, Virtual IBANs, Payouts and refunds.

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.

Volt: Are there chargebacks?

No. Bank transfers are irrevocable, so disputes are handled commercially between merchant and customer, not through a card scheme.

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.

Volt: How do refunds work?

As a separate outbound payment initiated by the merchant, which Volt charges for separately from the inbound transaction.

Increase: Is it international?

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

Volt: Which markets are covered?

Europe and the UK, plus Brazil and Australia, on a single API integration.

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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