Increase — Enterprise-grade Banking APIs
Enterprise-grade
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 with direct-to-bank partnerships
ACH
FedACH
Cards
Visa
Bank accounts
Federal Reserve
Wires
Fedwire
Checks
Check 21
RTP
The Clearing House
FedNow
FedNow
Push-to-Card
Visa Direct and Mastercard Send
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 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.
Flexible account numbers
Attribute every inbound payment to a unique account number.
Versatile account structures
Store customer funds in one or many FBO or customer-titled accounts.
Immutable ledger
Track every transaction on our system of record.
Automatic supervision
We programmatically verify identities, unblocking you to move and scale faster.
await increase.accounts.create({
  entity_id: "entity_in71c4amph0vgo2qllky",
  name: "Default account",
});
Case study logo
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
Direct-to-bank partnerships
You know your customers better than we, or any other platform, could. Design a compliance program specific to your business rather than take a one-size-fits-all approach.
Work directly with a bank partner
Gain a strategic partner with risk and oversight expertise that understands your business.
Own your customer relationships
Stay in control and build tailored experiences by owning decisioning for customer onboarding.
Efficient tooling
Use simple workflows that will help your team breeze through monthly reporting.
Future growth
Work closely with Increase and the bank on new products and use cases that will help you scale.
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.
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
More
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 United States 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.
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Push-to-Card
Send funds to eligible Visa and Mastercard cards in seconds at any time.
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Increase is not a bank. Banking products and services are offered by Grasshopper Bank, N.A., Member FDIC; First Internet Bank of Indiana, Member FDIC; Twin City Bank, Member FDIC; and Core Bank, 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; First Internet Bank of Indiana, Member FDIC; Twin City Bank, Member FDIC; and Core Bank, Member FDIC. FDIC deposit insurance only covers the failure of the FDIC insured bank.