
The platform bank built for scale
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.
Free
Credit cards and banking from Citi.com
Paylocity for Finance unifies spend management with HCM for payroll and non-payroll expenses.

Cloud-native platform for core banking, card issuing and payments