Increase — Enterprise-grade Banking APIs

Enterprise-grade
banking APIs

Modern banking infrastructure that enables technology companies to programmatically store, move, and reconcile money.

A full-stack feature set

ACH

FedACH

Cards

Visa

Bank accounts

Federal Reserve

Wires

Fedwire

Checks

Check 21

RTP

The Clearing House

FedNow

Coming soon!

Bare-metal APIs

Directly from the Federal Reserve

Major financial networks like Visa and FedACH have evolved over decades. Often, technology companies try to hide or abstract away their complexity, which limits what you can build. We take a different approach and strive to expose the full power.

We connect you directly to the Federal Reserve, Visa, and other networks so you can can get unfiltered access, more stability, and a flexible implementation.

Transparent data

Fewer dependencies

Stability and redundancy

Faster build times

Flexible solutions

Embed financial services that scale

Increase customers store and send billions of dollars a month through powerful and flexible tools.

Move money faster and more reliably

Programmatically send and receive ACH, wires, real-time payments, and even physical checks.

Fast by default

Same-day ACH means funds land in as little as a few hours.

Predictable timing

Submit at any FedACH window.

Settlement tracking

Get up-to-date settlement information directly from the Federal Reserve.

Correlated returns

Returns are automatically correlated using unique trace identifiers.

await increase.achTransfers.create({
  account_id: 'account_in71c4amph0vgo2qllky',
  amount: 81634,
  currency: 'USD',
  individual_name: 'Ian Crease',
  account_number: '987654321',
  routing_number: '101050001',
  company_entry_description: 'July Consulting',
  company_discretionary_data: 'ACME Corp',
});

Ramp partners with Increase to support customers' payment needs.

Store and reconcile funds with flexibility

All the building blocks you need to support whatever your unique funds flows require.

FDIC insured

Your funds are held with member FDIC institutions.

Unlimited account numbers

Attribute every inbound payment to a unique account number.

Flexible account structures

Store customer funds in one or many FBO or customer-titled accounts.

Immutable ledger

Track every transaction on our system of record.

await increase.accounts.create({
  entity_id: "entity_in71c4amph0vgo2qllky",
  name: "Default account",
});

Digits partners with Increase to automate accounting for modern businesses.

Create a robust card program

Increase integrates directly with Visa as an issuer processor, offering direct access to underlying network data.

Instant funds availability

Move any funds stored in Increase without needing to pre-fund a third-party.

Real-time authorizations

Respond to authorization requests in real-time from your own servers.

Custom physical cards

Print custom cards and carriers that easily scale.

Unlimited card numbers

Issue physical and virtual cards at scale.

await increase.cards.create({
  account_id: "account_in71c4amph0vgo2qllky",
  description: "Card for Ian Crease"
});

CapitalOS partners with Increase to help platforms launch customizable expense cards quickly.

Customized compliance

Own your customer relationships

You know your customers better than we, or any other platform, could. We work with you to design a compliance program specific to your business rather than take a one-size-fits-all approach.

Control risk profiles

Take the reins on which risk profiles you want to support.

Tailored onboarding

Identity requirements that fit your customers and business.

Transaction monitoring

Run your own transaction monitoring in-house.

Efficient tooling

Simple workflows that will help your compliance officer breeze through monthly reporting.

Flexible financial primitives for developers

Initiate an ACH transfer

Open a bank account

Generate a unique account number

Create a card

Deposit a check

Send a wire

Make a real-time payment

Read our documentation

await increase.achTransfers.create({
  account_id: 'account_in71c4amph0vgo2qllky',
  amount: 1000,
  currency: 'USD',
  individual_name: 'Ian Crease',
  account_number: '987654321',
  routing_number: '101050001',
  company_entry_description: 'July Consulting',
  company_discretionary_data: 'ACME Corp',
});

Programmatically create ACH debits and credits.

We default to same-day ACH and hit every window.

Returns are correlated automatically.

Webhooks keep you up-to-date on each transfer's lifecycle.

Modern tooling

Seamless workflows for your team

Whether you’re manually moving money, tracking compliance submissions, or helping a customer with a return, we care about saving you time. Look forward to powerful tooling, smooth workflows, and clever shortcuts that support and extend the functionality in our API.

Create accounts

Monitor activity

Move money

Export data

Save recipients

Approval workflows

Create cards

Our company

Gain an advocate not just a technology partner

We’ve been building financial infrastructure for years and know the US banking system inside and out. We also know that creating a product is only half the battle. Often times the real need is for close partnerships, regulatory expertise, and extreme attention to detail.

“Increase has been an invaluable partner to Modern Treasury. They support innovative, fast growing customers looking for high quality banking technology, and get our mutual customers moving money quickly.”

Increase partners with Modern Treasury to help customers move money quickly.

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.

Learn more

Bank Accounts

Flexible account constructs. Unlimited account numbers. FDIC insurance.

Learn more

Cards

Issue custom cards to your customers. Approve authorizations in real-time and configure your own limits.

Learn more

Checks

Send branded checks anywhere in the world with one API call. Or deposit checks via API or the dashboard.

Learn more

Wires

The original instantaneous money transfer. Send money anywhere, anytime Fedwire is open.

Learn more

Real-Time Payments

Transmit money to accounts at most major banks in seconds, not days.

Learn more

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

Products

Developers

Solutions

Company

Banking services provided by Grasshopper Bank, N.A. and First Internet Bank of Indiana, Members 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 Grasshopper Bank, N.A. and First Internet Bank of Indiana, Members FDIC.