Increase alternatives
10 products compared · 2026
Your shortlist, at a glance.
Read the comparisons ↓| Product | Pricing |
|---|---|
 StripeEconomic infrastructure for the internet. | See website |
 OpenUnitSoftware for managing self-storage facilities. | See website |
 Treasury PrimeEmbedded banking software platform and marketplace | See website |
| SSynapseSynapse platform for financial infrastructure needs. | See website |
 MarqetaModern card issuing platform with open APIs for debit, credit, and prepaid payments | See website |
 GalileoCloud-native platform for core banking, card issuing and payments | See website |
| BBondYour AI Chief of Staff | See website |
 Modern TreasuryPayment operations tools for money movement. | See website |
 ColumnThe platform bank built for scale | See website |
 PlaidEnabling all companies to build fintech solutions | See website |
- StripeSee websiteEconomic infrastructure for the internet.
- OpenUnitSee websiteSoftware for managing self-storage facilities.
- Treasury PrimeSee websiteEmbedded banking software platform and marketplace
- SSynapseSee websiteSynapse platform for financial infrastructure needs.
- MarqetaSee websiteModern card issuing platform with open APIs for debit, credit, and prepaid payments
- GalileoSee websiteCloud-native platform for core banking, card issuing and payments
- BBondSee websiteYour AI Chief of Staff
- Modern TreasurySee websitePayment operations tools for money movement.
- ColumnSee websiteThe platform bank built for scale
- PlaidSee websiteEnabling all companies to build fintech solutions
Pricing is a snapshot from each product’s website on the date shown; check the site before you decide. A verified badge means a verified listing, not a ranking.
About Increase and its alternatives
Developers and fintech teams searching for Increase alternatives often need direct-to-network banking infrastructure without heavy abstraction layers. Increase stands out by exposing raw Federal Reserve, Visa, and FedACH connections for ACH, wires, RTP, checks, and card programs with instant account creation and immutable ledgers. Alternatives range from abstracted platforms that simplify integration at the cost of flexibility to other banking-as-a-service providers offering varying degrees of direct network access, settlement control, and compliance ownership. Teams evaluating options typically compare same-day ACH performance, card issuer processor relationships, support for FBO versus customer-titled accounts, webhook reliability, and the ability to retain full decisioning over customer onboarding. The right choice depends on whether a company prioritizes bare-metal stability, rapid card program scaling, or pre-built compliance workflows when building embedded finance features at scale.
Explore the alternatives
1.Stripe
Finance & Accounting
Stripe offers Treasury and payment infrastructure with broad developer tooling and global reach. Its banking features rely on partner banks and abstracted APIs rather than direct Federal Reserve connections. While Stripe excels at unified payments and billing, teams needing bare-metal ACH windows, FedNow settlement tracking, or Visa issuer processor control often find Increase provides more granular network access and predictable timing without additional abstraction layers.
2.OpenUnit
E-commerce
Unit delivers embedded banking APIs focused on account and card features through partner banks. It provides solid developer experience for fintechs but routes transactions through intermediaries instead of direct FedACH or Fedwire connections. Increase differentiates with immutable ledgers sourced directly from the Federal Reserve and same-day ACH defaults that do not require pre-funding or extra processors.
3.Treasury Prime
Finance & Accounting
Treasury Prime connects platforms to multiple banks with API access to accounts, cards, and payments. It emphasizes orchestration across providers rather than single direct network links. Increase offers tighter integration with Visa for real-time authorizations and physical card programs plus automatic return correlation that many Treasury Prime users must build themselves.
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4.Synapse
Finance & Accounting
Synapse provides banking-as-a-service infrastructure with account, payment, and KYC tooling. Its platform uses layered bank partnerships that can add latency compared with direct Federal Reserve access. Increase stands out for teams requiring unfiltered RTP, FedNow, and wire settlement data along with flexible FBO and customer-titled account structures without forced compliance templates.
5.Marqeta
Finance & Accounting
Marqeta specializes in modern card issuing with real-time controls and virtual cards. While strong for card programs, it lacks native ACH, wire, and check capabilities that Increase bundles with direct Visa issuer processing. Companies building full money movement stacks often choose Increase to avoid stitching multiple providers together for ledger and settlement needs.
6.Galileo
Finance & Accounting
Galileo supplies card and banking infrastructure through established bank sponsors with broad compliance support. Its solutions tend toward packaged workflows rather than bare-metal APIs. Increase provides more direct network visibility, same-day ACH predictability, and the ability for customers to own onboarding decisioning without one-size-fits-all compliance layers.
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7.Bond
Productivity & Project Management
Bond focuses on card issuing and embedded finance APIs with quick integration paths. It abstracts much of the underlying banking complexity. Increase appeals to teams that need raw Federal Reserve data, immutable transaction records, and flexible account numbering without the abstraction that can limit advanced reconciliation or settlement use cases.
8.Modern Treasury
Finance & Accounting
Modern Treasury excels at payment operations, reconciliation, and multi-bank workflows. It sits above banking providers rather than replacing direct network access. Increase serves as a foundational layer for companies wanting native ACH, wires, RTP, and card issuance with settlement tracking that Modern Treasury users often consume from underlying banks.
9.Column
Finance & Accounting
Column offers direct bank charter access and API-driven money movement with strong compliance tooling. It provides similar direct-rail philosophy but with different emphasis on charter ownership. Increase differentiates through deeper Visa card program features, instant account creation, and automatic correlation of returns using unique trace identifiers from the Federal Reserve.
10.Plaid
Finance & Accounting
Plaid specializes in financial data connectivity and account linking rather than originating payments or issuing cards. While useful for verification, it does not provide the banking primitives Increase delivers such as ACH origination, wire transfers, or Visa Direct card programs with real-time authorization control.
See more comparisons in Finance & Accounting alternatives.
Questions about Increase alternatives
What are the best Increase alternatives for direct FedNow and RTP integration?
Increase connects directly to The Clearing House RTP and FedNow for real-time payments with settlement data from the Federal Reserve. Alternatives like Treasury Prime and Column also provide direct network rails but differ in card issuance depth and ledger immutability features.
How does Increase compare to other banking APIs for same-day ACH?
Increase defaults to same-day ACH across all FedACH windows with automatic return correlation via trace IDs. Competing platforms may require specific timing configurations or third-party processors that add latency and reduce visibility into Federal Reserve settlement status.
Which Increase alternatives offer Visa Direct issuer processing?
Increase acts as a direct Visa issuer processor allowing real-time authorizations and instant funds movement from customer accounts. Other providers may route through additional processors, introducing extra dependencies and limiting custom card program control.
Are there Increase alternatives focused on immutable ledgers for reconciliation?
Increase maintains an immutable system of record for every transaction. Some alternatives emphasize reconciliation APIs but rely on aggregated data rather than direct network-sourced settlement information, which can complicate audit trails.
What Increase alternatives support both FBO and customer-titled accounts?
Increase allows flexible structures including FBO and customer-titled accounts with unique account numbers. Competing banking API platforms vary in account type support and may impose restrictions on scaling to multiple entity structures.
Do Increase alternatives provide similar bare-metal API access?
Increase deliberately avoids heavy abstraction to deliver unfiltered network access. Many alternatives prioritize simplified SDKs that hide complexity, potentially limiting advanced use cases that require direct Federal Reserve or Visa data.