Increasevs
Treasury Prime
Treasury Prime: If you already have or want a direct relationship with a specific sponsor bank and want the bank to hold the contract
Increase
Direct banking API for ACH, wires, real-time payments, accounts and cards
As of 31 August 2026, Increase's pricing is not published; the vendor quotes on request. Increase gives technology companies programmatic access to US payment rails and deposit accounts, and it is one of very few in the category that publishes per transaction prices. Softwr lists it under APIs. Increase is available on API, Web.
Overview
What Increase does
Increase is a banking API for United States money movement. It exposes ACH origination and receipt, domestic wires and drawdowns, real-time payments over RTP and FedNow, cheque issuance and deposit, physical and virtual cards, and bank accounts with account and routing numbers, all through one API with an emphasis on exposing the underlying rails rather than abstracting them. Banking products are provided through partner banks, and the platform is aimed at companies that want ledgered accounts and payments inside their own product. What distinguishes it is the deliberate absence of abstraction and the publication of transaction pricing. Next-day ACH origination is listed at 0.50 US dollars, same-day ACH at 2.00, wires at 15.00, RTP and FedNow at 2.50, virtual cards at 0.25 and card disputes at 15.00. In a market where competitors will not name a number without a call, that is a usable planning input. The design philosophy matters too: Increase surfaces the actual NACHA return codes, wire fields and settlement timing rather than a tidied abstraction, which means engineers can reason about failure modes properly and also that they must understand payments to build safely. The buyer is an engineering team at a fintech, a treasury or payroll product, or a marketplace that needs its own accounts and payment flows. The trade offs are real. The published per transaction rates sit on top of a monthly fee Increase describes only as varying by use case, so total cost cannot be computed from the price page. Free allowances are small, at ten account numbers and five physical cards. And because banking products are delivered through partner banks, the compliance obligations, programme approval and the sponsor bank relationship all sit inside the deal, which after the Synapse failure is the part regulators care about most.
What people use it 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
Related searches
The honest half
Where it falls short
Concrete and checkable, so you can decide whether any of them matter to you. This is the half of a review a vendor will not write about 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.
Cross-shopped
What people choose instead of Increase
Each pairing was judged by two reviewers asking whether a buyer would genuinely weigh the two against each other. The ones that failed were deleted rather than published.
- IncreasevsStripe
Stripe: If you need card acceptance and a payments business rather than deposit accounts and raw rails
- IncreasevsPlaid
Plaid: If the requirement is reading account data from other banks rather than originating payments yourself
Pricing
What Increase costs
Taken from the vendor's own pricing page. Prices move, so check before you buy.
Increase Platform
On request
- 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
- Wire origination listed at 15.00 per transaction
- RTP and FedNow origination listed at 2.50 per transaction
- Virtual cards listed at 0.25 each, first five physical cards free
Capabilities
Features
ACH origination and receipt
Same-day and next-day ACH with real NACHA return codes exposed rather than abstracted
Domestic wires
Wire origination and drawdown requests through the partner bank
Real-time payments
RTP and FedNow origination for instant settlement outside banking hours
Bank accounts
Programmatically created accounts with account and routing numbers and a ledger
Cards
Virtual and physical card issuance with dispute handling
Cheques
Cheque issuance and deposit for counterparties that still require paper
Sandbox and simulations
Simulates returns, rejections and settlement timing so failure paths can be tested
Audit and reconciliation data
Transaction level records structured for reconciliation against bank statements
Answered, with sources
Questions people ask
Each answer names the page it came from, so you can check it rather than take our word for it.
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.
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.
Is it international?
No. Increase covers United States rails only, so cross border payouts require a second provider.
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.
Keep looking
Where to go from Increase
- Increase alternativesEvery product people weigh against it
- Increase pricingPlans, floors and what the tiers exclude
- Increase badgesWhich rules it meets, and the figure behind each
- All APIs softwareThe full category
- Best APIs softwareThe shortlist, and how it was cut
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Softwr does not host reviews and shows no star rating for Increase, because a rating we did not collect is not ours to publish. What is here is the pricing and platform detail from the vendor’s own pages, limitations we could state concretely, and alternatives a reviewer confirmed people weigh against it. Tell us if any of it is wrong.
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