Increase
UnclaimedModern banking infrastructure enabling programmatic money movement and financial services.
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What is Increase?
Increase (api tools): Modern banking infrastructure enabling programmatic money movement and financial services. Increase provides enterprise-grade banking APIs that allow technology companies to programmatically store, move, and reconcile money. It offers direct connections to major financial networks like the Federal Reserve, Visa, and FedACH, providing unfiltered access, stability, and flexible implementation for developers. Key capabilities: ACH Transfers (Same-day, credits/debits, correlated returns), Bank Accounts (Flexible account numbers, FBO/customer-titled accounts, immutable ledger), Card Programs (Visa issuer processor, instant funds availability, real-time authorizations, custom physical/virtual cards), Wire Transfers (Origination, drawdown), Check Processing (Issuing, remote deposit capture, lockbox deposits). Increase is paid-only, with most plans including a trial period. Buyers most often compare Increase against Kashimi, Koywe.
TL;DR - Increase
- Provides enterprise-grade banking APIs for programmatic money management.
- Offers direct connections to major financial networks like FedACH, Visa, and Federal Reserve.
- Enables flexible fund movement, account management, and custom card programs.
Pricing: Paid only
Best for: Enterprises & pros
Pros & Cons
Pros
- Direct connections to major financial networks for unfiltered access and stability.
- Offers same-day ACH and submissions at every Fed window for faster payments.
- Provides flexible account structures and unique account numbers for reconciliation.
- Enables real-time authorization and instant funds availability for card programs.
- Allows for customized compliance programs and ownership of customer relationships.
Cons
- Pricing is custom and requires contacting sales for many services.
- Not a bank itself, relies on bank partners for banking services.
- Some advanced features like 'Request for payments origination' and 'Remote deposit capture' require contacting sales for pricing.
Preview
Key Features
ACH Transfers (Same-day, credits/debits, correlated returns)Bank Accounts (Flexible account numbers, FBO/customer-titled accounts, immutable ledger)Card Programs (Visa issuer processor, instant funds availability, real-time authorizations, custom physical/virtual cards)Wire Transfers (Origination, drawdown)Check Processing (Issuing, remote deposit capture, lockbox deposits)Real-Time Payments (RTP origination, Request for Payments)FedNow ProcessingPush-to-Card (Visa Direct, Mastercard Send)
Pricing Plans
Contact Sales
Contact us
About Increase
By Toolradar Team·
Increase provides enterprise-grade banking APIs that allow technology companies to programmatically store, move, and reconcile money. It offers direct connections to major financial networks like the Federal Reserve, Visa, and FedACH, providing unfiltered access, stability, and flexible implementation for developers. This platform is designed for businesses that need to embed financial services, manage complex fund flows, and scale their operations.
The product offers a comprehensive suite of financial primitives, including ACH transfers (same-day by default), bank accounts with flexible numbering and structures, robust card programs (physical and virtual), check issuing and depositing, wire transfers, Real-Time Payments (RTP), and FedNow. It emphasizes transparent data, fewer dependencies, and faster build times, allowing companies to own their customer relationships and design customized compliance programs. Increase aims to empower developers with powerful tools and seamless workflows for managing financial operations.
Increase is not a bank itself but partners with FDIC-insured banks to provide banking products and services. It caters to financial technology platforms, companies with large corporate balances, and any business looking to integrate advanced banking functionalities directly into their applications.
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Increase FAQ
How does Increase provide direct access to financial networks like the Federal Reserve and Visa?
Increase connects users directly to major financial networks such as the Federal Reserve and Visa. This approach offers unfiltered access, enhanced stability, and flexible implementation, allowing for more powerful and customized financial solutions.
What specific features does Increase offer for managing ACH payments?
Increase provides full control over FedACH, including originating ACH credits and debits, tracking and initiating returns, and storing frequently accessed details. It defaults to same-day ACH, offers transparent settlement tracking, and allows users to preview and manage incoming ACH transfers before allocation.
Can I issue custom physical and virtual cards through Increase?
Yes, Increase integrates directly with Visa as an issuer processor, enabling the creation of robust card programs. Users can issue unlimited physical and virtual cards, print custom cards and carriers, and respond to authorization requests in real-time.
How does Increase handle deposit insurance for funds stored on its platform?
Increase is not a bank, but banking products and services are offered by FDIC-insured partners like Grasshopper Bank, N.A., First Internet Bank of Indiana, and Core Bank. Deposits are insured by the FDIC up to the maximum allowed by law through these partner banks, and extended deposit insurance is available through IntraFi services.
What are the fees associated with same-day ACH origination and returns?
Same-day ACH origination costs $2.00 per transaction. For ACH returns, the fee is $5.00 per transaction, with unauthorized returns incurring a higher fee of $15.00 per transaction.
Does Increase support real-time payment methods beyond traditional ACH and wires?
Yes, Increase supports Real-Time Payments (RTP) and FedNow processing, allowing for instantaneous money transfers to accounts at most major banks. It also offers Push-to-Card functionality for sending funds to eligible Visa and Mastercard cards in seconds.
Source: increase.com