Increase
Direct bank API providing ACH, wire transfers, RTP, check printing, and card issuance via a single developer-first REST API without middleware.
Score Breakdown
⚙ Agent Friendliness
🔒 Security
SOC 2 Type II and PCI DSS certified. TLS enforced; HTTP connections rejected. API keys are environment-isolated. OpenAPI spec published enabling automated security scanning of integrations.
⚡ Reliability
Best When
You need the highest quality banking API with direct Fed access, excellent documentation, and strong idempotency guarantees for building financial products where correctness is critical.
Avoid When
You need quick self-serve production access or are building a consumer checkout flow — Increase requires an approval process and is built for financial product companies.
Use Cases
- • Building embedded banking products with direct Federal Reserve access
- • Programmatic check printing and mailing for vendor payments
- • Card issuance for corporate spend management applications
- • High-reliability ACH and wire origination with idempotent retry safety
Not For
- • Consumer-facing checkout or payment acceptance
- • Card-present or POS payments
- • Companies needing instant approval without compliance review
Interface
Authentication
Bearer token authentication using API keys. Separate sandbox and production keys. Keys are scoped to a single Increase group (organization).
Pricing
Production access requires application review and approval. Pricing is transparent and published on the website.
Agent Metadata
Known Gotchas
- ⚠ Production access requires application and manual review — build sandbox integration first and account for weeks of approval time.
- ⚠ All payment operations are asynchronous; agents must subscribe to webhooks or poll status endpoints to determine final outcome.
- ⚠ Check printing has additional compliance requirements and turnaround time (physical mail); not suitable for real-time payment use cases.
- ⚠ The API enforces strict idempotency — reusing an idempotency key with different parameters returns an error rather than creating a new resource.
Alternatives
Full Evaluation Report
Detailed scoring breakdown, competitive positioning, security analysis, and improvement recommendations for Increase.
Scores are editorial opinions as of 2026-03-06.