Scalable bill pay infrastructure
Manage payments with unmatched flexibility and control. Programmatically fund, disburse, and reconcile your payment flows effortlessly.
Bill pay hero
Granular network details
We connect you directly to Federal Reserve networks like FedACH and Check 21 so you can get unfiltered access to data, more stability, and a flexible implementation.
Transparent data
Fewer dependencies
Stability and redundancy
Faster build times
FedACH
Check 21
Fedwire
RTP
01 10105000116022140762301211301A094101BIG BANK IAN CREASE 5200MYCOMPANY INC. 1602214076CCDPAYROLL 230121230121 1123456780000001622123456789987654321000000003502586760 RATCHET INC 0839692747659385622123456789987654321000000003502586760 VENDOR INC 083969274765938562224680135755554442220007894701 10105000116022140762301211301A094101BIG BANK IAN CREASE 5200MYCOMPANY INC. 1602214076CCDPAYROLL 230121230121 1123456780000001622123456789987654321000000003502586760 RATCHET INC 0839692747659385622123456789987654321000000003502586760 VENDOR INC 0839692747659385622246801357555544422200078947
101 0000001ABCBANK01 2024090412001234 010 201 0000001ABC01 123456789987654321 20240904123456789000010001250001 01 1000010012024 000000000125.00 250 000000100000000000000001 1234567891234567890000000000123456789 125.00 20240904 0000000000123AABC1234567 252 000000100000000000000001 FrontImageFilename.TIF 0000000000000000000000 252 000000100000000000000001 BackImageFilename.TIF 0000000000000000000000 701 000000000125.00 00001 00001 901 000000000125.00 00001 00001 101 0000001ABCBANK01 2024090412001234 010 201 0000001ABC01 123456789987654321 20240904123456789000010001250001
31012050001{3600}CTR{4200}D987654321*IAN CREASE*33 LIBERTY STREET*NEW YORK*NY 10045{5000}9ALAN TURING*{6000}*NEW ACCOUNT TRANSFER*{1500}3012345678P {1510}1000{1520}20230118MMQFMP0P000001{2000}000000000100{3100}000000000{3400}101050001{3600}CTR{4200}D987654321*IAN CREASE*33 LIBERTY STREET*NEW31012050001{3600}CTR{4200}D987654321*IAN CREASE*33 LIBERTY STREET*NEW YORK*NY 10045{5000}9ALAN TURING*{6000}*NEW ACCOUNT TRANSFER*{1500}3012345678P {1510}1000{1520}20230118MMQFMP0P000001{2000}000000000100{3100}000000000{3400}101050001{3600}CTR{4200}D987654321*IAN CREASE*33 LIBERTY STREET*NEW
<Messagexmlns:head="urn:iso:std:iso:20022:tech:xsd:head.001.001.01"xmlns:doc="urn:iso:std:iso:20022:tech:xsd:pacs.008.001.08"xmlns:p3="http://www.w3.org/2001/XMLSchema-instance"xmlns="urn:tch"p3:schemaLocation="urn:tchmessages.xsd"><AppHdr><Fr><FIId><FinInstnId><ClrSysMmbId><MmbId>233333377A1<Messagexmlns:head="urn:iso:std:iso:20022:tech:xsd:head.001.001.01"xmlns:doc="urn:iso:std:iso:20022:tech:xsd:pacs.008.001.08"xmlns:p3="http://www.w3.org/2001/XMLSchema-instance"xmlns="urn:tch"p3:schemaLocation="urn:tchmessages.xsd"><AppHdr><Fr><FIId><FinInstnId><ClrSysMmbId><MmbId>233333377A1
Fast by default, instant when you need it
Hit any Same-day ACH window for settlement within hours, send money instantly with Wires and Real-Time Payments, or leverage traditional Check payments in a programmatic way.
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Built in reconciliation
Create unique Accounts for each customer, ensuring that funds are always segmented and reconciled. You can fund Accounts by either pulling money via ACH debits, or receiving money by Wire, ACH, Check deposit, or RTP to unique Account Numbers.
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Easy exception handling
Monitor when a payment is created, submitted, acknowledged, and even returned. With ACH and Check returns automatically correlated with their originating transfers, it’s simple to track and resolve exceptions.
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See how Ramp is using Increase to grow their Bill Pay product
“Increase has provided us with low level access to the underlying payment rails which has substantially improved the stability of our product.”
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Banking for builders
Everything you need and nothing you don't
Direct connections to the networks for money movement. Bank accounts that open instantly. Unopinionated building blocks that don't force you into legacy patterns.
ACH Payments
Originate ACH credits and debits, validate account numbers with pre-notifications and store commonly accessed details.
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Bank Accounts
Flexible account constructs with unlimited account numbers.
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Cards
Issue custom cards to your customers. Approve authorizations in real-time and configure your own limits.
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Checks
Send branded checks anywhere in the world with one API call. Or deposit checks via API or the dashboard.
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Wires
The original instantaneous money transfer. Send money anywhere, anytime Fedwire is open.
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Real-Time Payments
Transmit money to accounts at most major banks in seconds, not days.
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FedNow
The Federal Reserve’s newest payment method. Quickly move money 24/7/365 with any participating bank.
Coming soon
Read our documentation
Learn more
Increase is not a bank. Banking products and services are offered by Grasshopper Bank, N.A., Member FDIC and First Internet Bank of Indiana, Member FDIC. Cards Issued by First Internet Bank of Indiana, pursuant to a license from Visa Inc. Deposits are insured by the FDIC up to the maximum allowed by law through Grasshopper Bank, N.A., Member FDIC and First Internet Bank of Indiana, Member FDIC. FDIC deposit insurance only covers the failure of the FDIC insured bank.