Cards
Programmatic card programs
Launch a full-featured card program with an unfiltered connection to Visa, customized cards, and real-time approvals and limits.
Bundled BIN sponsor
Start issuing cards right away on one of our dedicated BIN ranges.
Works out of the box
Issue cards from the same accounts that you use for other money movement.
Real-time authorizations
Respond to authorization requests in real-time from your own servers.
Enhanced purchase data
Access rental car, flight, line item, and other data on card transactions.
Physical cards
Ship customized physical cards to your customers.
Digital wallet tokens
Add custom artwork to digital wallets like Apple Wallet or Google Pay.
Disputes
Track and control dispute submissions to the network, via the dashboard or API.
Interchange
Track interchange rates for each transaction via our API.
Quality at scale
Customize physical and virtual cards
Ship physical cards to your users in days, instantly upload unique wallet artwork, and even customize the text messages users receive directly from Apple.
We work with one of the largest global card fulfillment providers, so you can move fast and operate at scale without compromising quality.
Apple pay and Google pay
Branded physical cards and carriers
High-quality, durable graphics printing
Gracia physical card
Summit physical card
Otto physical card
Complete control
Approve authorizations in real-time
Programmatically approve or decline every card authorization for full control.
Instantly reject unwanted authorizations
Set programmatic limits
Create customized fraud models
Card authorization funds flow
await increase.realTimeDecisions.action({
  real_time_decision_id: "real_time_decision_j76n2e810ezcg3zh5qtn",
  card_authorization: {
    decision: "approve"
  }
});
Bare-metal APIs
Every detail directly from Visa
Invoice information
invoice
Access discounts, shipping rates, tax amounts, and other order details.
Line item details
line_items
View item descriptions, quantities, and amounts within an order.
Address verification
billing_address
Configurable control over Address Verification Service (AVS) handling.
Raw message data
card_authorization
View comprehensive details from every authorization message, including reversals, refunds, incremental authorizations, and advices.
Visa cards for developers
Create a card
Approve an authorization request
Customize your card appearance
Initiate a dispute
View supplemental information
await increase.cards.create({
  account_id: "account_in71c4amph0vgo2qllky",
  description: "Card for Ian Crease"
});
Cards are available to use as soon as they're created.
Build on dedicated BIN ranges.
Use limits or real-time decisions to build multi-layer risk controls.
Print physical cards with your own printer, or use ours to get started quickly.
Learn how ISO 8583 works
Visa uses a message format called ISO 8583. Learn more about what’s in each file and what you can customize.
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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.
Learn more
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.
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
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.