Banking for ambitious technology companies. Build great financial products with an API-first bank.

Move, store, and lend money at scale. Modern banking infrastructure, engineered for your machines to talk to our machines.

Payment products

ACH
Wires
FedNow
Real-Time Payments
Checks
Push-to-card
Swift
Blockchain
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await increase.achTransfers.create({
amount: -81634,
account_id: "account_in71c4amph0vgo2qllky",
routing_number: "101050001",
account_number: "987654321",
statement_descriptor: "July Consulting",
individual_name: "Ian Crease",
company_name: "ACME Corp",
});
$816.34
ACH Debit transfer
Transfer created Aug 2, 09:24:07 AM PDT
Approved by Ian Crease 09:24:19 AM PDT
Submitted to the Federal Reserve 09:52:03 AM PDT
Settlement with recipient bank 05:00:00 PM PDT
Hold will be released on August 4

Card programs

Digital card added to a phone wallet

Bank accounts

$59,786.11
Account balance
3M
6M
1Y
YTD
All

Loan origination

Working capital
You’ve been approved for
$20,000.00

Modular compliance

$500B+
annualized transaction volume
99.9999%
historical uptime
4 weeks
time from zero to live

For developers,
by developers

Payment rails like ACH, wires, and Visa can handle almost anything you want to do programmatically. We wanted you to be able to harness that capability, so we built our own API-first core technology from scratch.

Flexible: composable primitives for any funds flow

Use our modular infrastructure to set up accounts, cards, loans, and payments the way you want.

Darragh Buckley Darragh Buckley

Building a modernized banking core

Read full story

Reliable: hardline connections to the payment networks

Increase connects directly to the Federal Reserve, the Clearing House, Swift, and the Visa card network.

Martin Ek Martin Ek

Visa’s half a century of high availability

Read full story

Transparent: visibility and control for every network detail

We pass through high-fidelity data straight from the payment rails, so you can build reliable products on top.

Jack Reed Jack Reed

No Abstractions: an API design principle

Read full story

Sophisticated payments teams rely on Increase to process billions of dollars a day.

Ramp logo

At Ramp we are building AI for finance, and we must move fast to save our customers’ most valuable resources — time and money. Increase empowers us to move quickly without compromising on reliability or precision.

Karim Atiyeh, Co-CEO

Ramp processes millions of bill payments with Increase

Check logo

The transparency and agility Increase provides have been transformative. It lets us focus on building innovative payroll solutions without being bogged down by infrastructure limitations.

Andrew Brown, CEO

Check processes billions in payroll through Increase

CapitalOS logo

Increase’s approach to tailored compliance, matched with the ways they’ve verticalized payments and card issuance into a powerful set of APIs, has been uniquely valuable.

Matan Goldschmiedt, Co-founder and CTO

Cards, accounts, and ACH power CapitalOS’s platform

Vertical fintechs monetize banking with products powered by Increase.

Karat customer story
Karat logo

Content creation

Vantaca customer story
Vantaca logo

Homeowners associations

AtoB customer story
AtoB logo

Fleet management

Folio customer story
Folio logo

Hospitality

Stedi customer story
Stedi logo

Healthcare

Ascend customer story
ascend logo

Insurance

Parker
Parker 11:02 AM

Just a quick thank you - being able to read the merchant response files in the dispute is such an improvement for my quality of life!

Perry
Perry 3:15 PM

The Slack responsiveness is great not just for a fintech vendor, but among all the vendors we work with.

Fon
Fon 2:26 PM

Those are some fast deploys! awesome ❤️

Michael
Michael 3:50 PM

thank you to this amazing crew for all your support. i honestly don't know how casa would function without increase (don't use that against us in our next renewal 😉)

Sean
Sean 4:18 PM

Wow, you guys are awesome. That was a fast turnaround! I'll start exploring and playing with this!

Alyssa
Alyssa 8:48 AM

You & Increase are really amazing to talk to about these technical ACH details. The ease of which you get us info vs JPM is absolutely night and day... THANK YOU 🙏

Drew
Drew 10:37 AM

Increase also has the best customer experience and support. Slack channel with fast responses; issues and general inquiries have been addressed quickly (it's not uncommon from our experience for patches to be released to production within 30 minutes).

We’ll work with you to build the best product you can imagine.

Get expert support in your own dedicated Slack channel

Talk to the engineers who built the system, not a support agent

Your feedback builds our roadmap

Ready to build
something great?

Banking products and services are offered by Increase Bank, Grasshopper Bank, N.A., First Internet Bank of Indiana, or Core Bank (each, a Member FDIC bank and a “Partner Bank”).

Technology services are provided by Increase Technologies, Inc., a non-bank.

Where applicable, Visa® cards are issued by the applicable Partner Bank pursuant to a license from Visa U.S.A. Inc.

Eligible deposits held at a Partner Bank are insured by the FDIC up to the standard maximum deposit insurance amount. FDIC insurance protects against the failure of an insured bank only.