Increase

Increase is an API-first banking platform that provides direct access to US payment rails, bank accounts, and card issuing. It solves the problem of building financial products by offering a modern banking core that connects directly to payment networks without relying on third-party vendors, enabling companies to move, store, and lend money programmatically.

Its main capabilities include ACH payments with same-day settlement and automated returns, wire transfers, FedNow and Real-Time Payments for instant money movement, check issuing and deposit, push-to-card payments, and card issuing with real-time authorization. The platform offers flexible bank accounts with unique account numbers for reconciliation, and modular compliance tools. It provides APIs that expose raw network data such as return codes and trace identifiers, and supports webhooks for transaction lifecycle tracking.

The platform is designed for technology companies, fintechs, and vertical SaaS businesses that need to embed banking and payment features into their products. Pricing is usage-based with per-transaction fees for each payment rail, card creation, and check services. Custom pricing is available for platforms moving funds for their customers or those with large corporate balances.