banking APIs
Modern banking infrastructure that enables technology companies to programmatically store, move, and reconcile money.
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A full-stack feature set
Bank accounts
Federal Reserve
Check 21
The Clearing House
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', });
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Ramp partners with Increase to support customers' payment needs.
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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", });
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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" });
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CapitalOS partners with Increase to help platforms launch customizable expense cards quickly.
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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
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.
Read our documentation
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.”
Modern Treasury
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.
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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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Issue cards with custom art to businesses or consumers. Approve authorizations in real-time, or configure limits programmatically.
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Send branded checks anywhere in the world with one API call. Or deposit checks via API or the dashboard.
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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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The Federal Reserve’s newest payment method. Instantly 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.