Provide capital to your customers with embedded lending
Give your customers instant access to capital through virtual cards, physical cards or disbursements via bank transfers
Build a personalized lending platform
Flexible account structures
Tailor your lending program with flexible account setups. Whether you prefer one or many reserve accounts, our platform molds to fit your unique business strategy.
Customize digital & physical cards
Issue cards that align with your brand. You can personalize everything from card art to the text messages customers receive directly from Apple.
Own compliance & risk
Stay in control by managing your own compliance processes and setting risk parameters aligned with your business profile. Shape the onboarding and risk assessment to best serve your customers.
Instantly disburse funds with reliable repayments
A single bank partner
Issue cards and accounts under the same bank partner, enabling instant account funding through internal Account Transfers.
Instant virtual cards
Create unlimited virtual cards which can be used to spend funds immediately.
Fully featured accounts
Create Accounts which allow funds to be spent directly from a card or disbursed by ACH, Wire, RTP, or Check.
Integrated repayments
Leverage our advanced ACH integration to directly debit your customers’ accounts with same-day settlement.
Connect directly to Visa and the Federal Reserve
Access granular details
Get unparalleled visibility and control with direct access to Visa and the Federal Reserve. Leverage granular data like itemized rental car charges, flight bookings, and more, to optimize your card program.
Approve authorizations in real-time
Control the payment flow by responding to authorization requests in real time from your own servers, ensuring instant decision-making.
Control your payment rules
Define spending limits, set custom risk rules, and take control of the entire payment journey. Stay proactive against fraud with fully customizable rules for every transaction.
A dashboard designed for modern card programs
Manage everything from card issuance to transaction tracking through a user-friendly dashboard. Create custom card profiles, issue virtual or physical cards, and gain real-time insights into every transaction. Our streamlined workflows empower you to scale with ease while retaining full control.
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. Unlimited account numbers. FDIC insurance.
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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
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Banking services provided by First Internet Bank of Indiana, Member FDIC. Increase is a financial technology company, not a bank. 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 First Internet Bank of Indiana, Member FDIC.