Increase

Increase is a banking API platform that gives companies direct, programmatic access to core banking capabilities like ACH, wire transfers, checks, and card issuing, aimed at fintech companies and software platforms that need more direct control and transparency over their banking infrastructure than a typical banking-as-a-service abstraction layer provides. Increase positions itself around technical depth and reliability, giving engineering teams detailed API documentation, webhooks for every transaction event, and a sandbox environment that closely mirrors production behavior, which matters for companies building mission-critical financial products where an unclear or unreliable API response can mean a failed customer payment. The platform combines its own FDIC-insured bank charter with direct relationships to core banking rails, exposing capabilities like same-day ACH and real-time payment notifications in a way that gives technical teams fine-grained control over exactly how money moves rather than a simplified interface that hides important operational details. Increase's dashboard also gives non-engineering teams, like operations and finance, visibility into transactions and account activity without needing to query the API directly for routine account management tasks. It's aimed at more technically sophisticated fintech companies and financial infrastructure builders who have specific, demanding requirements around payment reliability, auditability, and direct banking relationships, rather than earlier-stage companies just looking for the fastest way to add a basic bank account feature to their product.