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APIs · head to head

Increase vs Zeplo

Increase logo

Increase

APIs

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

From
On request
Rated
-
Full reviewWebsite
Zeplo logo

Zeplo

APIs

Message queue as a URL prefix, adding retries and delays to any HTTP request

From
Free
Rated
-
Full reviewWebsite

The short version

  • Only Zeplo 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.; Zeplo zeplo sits directly in the execution path of your background work, so an outage at a very small vendor means your jobs do not run at all, and there is no published SLA below Enterprise.
  • They diverge on capability: Increase covers ACH origination and receipt, Zeplo covers URL prefix interface.
  • Prices and features above were last checked on 31 August 2026.

Where they differ

Only the attributes on which Increase and Zeplo actually diverge.

Attributes where Increase and Zeplo differ
AttributeIncreaseZeplo
Starting priceOn requestFree
Pricing modelquotePer month by request count
Free tierNoYes
PlatformsAPI, WebWeb, Cloud

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 Zeplo

  • URL prefix interface
  • Retries with backoff
  • Delayed delivery
  • Cron scheduling
  • Concurrency limits
  • Deduplication keys
  • Request logs
  • Team workspaces

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

Zeplo

  • A Vercel or Cloudflare Workers application that needs retried background jobs without deploying a separate always-on workernot Increase
  • A team that wants a webhook receiver protected by a concurrency limit so a burst does not overwhelm a downstream APInot Increase
  • A small product needing cron jobs against HTTP endpoints without adding a scheduler to its infrastructurenot Increase
  • A developer adding idempotent retries to an unreliable third-party API call with a one-line URL changenot 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.

Zeplo

  • Zeplo sits directly in the execution path of your background work, so an outage at a very small vendor means your jobs do not run at all, and there is no published SLA below Enterprise.
  • The free Developer tier includes only 500 requests a month and one team member, so it is a demonstration allowance rather than a usable free plan for anything real.
  • Overage on the Developer tier is 20 US dollars per 100,000 requests, two hundred times the marginal rate on the Company tier, so exceeding the free allowance without upgrading is expensive.
  • Team members cost 15 US dollars each beyond the plan allowance, which is an odd charge on an infrastructure product billed by request volume.
  • Log retention is 30 days on both published tiers, so anything requiring longer audit trails on job execution has to be logged separately.

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

Zeplo

Free
  • DeveloperFree
    • 500 requests a month included
    • $20 per additional 100,000 requests
    • 1 team member
  • Company$39/month
    • 1,000,000 requests a month included
    • $10 per additional million requests
    • Up to 3 team members
  • Enterprise$undefined/month
    • Volume discounts
    • Custom team size
    • Support with SLA

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 Zeplo if

  • You need url prefix interface.
  • You want to start without paying.
  • You work on Web, Cloud.
  • You also want retries with backoff.
Zeplo review

Questions people ask

Is Increase or Zeplo better?
Neither clearly leads. Increase starts at On request and Zeplo at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Increase or Zeplo?
Zeplo has a free tier; the other does not. Paid plans start at On request for Increase and Free for Zeplo.
Does Increase or Zeplo run on more platforms?
Increase runs on API, Web. Zeplo runs on Web, Cloud.
Can I use Zeplo for free?
Yes. Zeplo 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 Zeplo is typically brought in for.
What can Increase do that Zeplo cannot?
Increase covers ACH origination and receipt, Domestic wires, Real-time payments, Bank accounts. Zeplo covers URL prefix interface, Retries with backoff, Delayed delivery, Cron scheduling.

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.

Zeplo: How does Zeplo work?

You prefix your endpoint URL with zeplo.to and add query parameters for retries, delay, cron or concurrency. No SDK or broker is needed.

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.

Zeplo: What does it cost?

Free for 500 requests a month; 39 US dollars a month for a million requests, then 10 dollars per additional million.

Increase: Is it international?

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

Zeplo: Is it suitable for critical jobs?

It is a small vendor in your execution path with no published SLA below Enterprise, so weigh that against the convenience.

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.

Zeplo: Does it work with serverless platforms?

Yes, that is its main use, covering Vercel, Cloudflare Workers, Netlify and similar environments that lack long-running workers.

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