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Embedded Finance and Banking-as-a-Service (BaaS) · Rank #8 of 10

Increase review and pricing

Modern API-first bank-rails platform for cloud-native businesses.

By Increase · Founded 2020 · New York, NY · private

Increase launched 2020 (founder Garrett Koonce ex-Stripe) and closed a Series A 2021 led by Box Group. The platform serves modern cloud-native businesses with modern API-first ACH/wire/check rails. Wins on modern developer experience and direct bank-API model. Loses on capital base and pure-card-issuing absence (specializes in payment rails, not cards).

Visit Increase Compare to Highnote
Best for

Modern cloud-native businesses wanting API-first bank-rails platform.

Worst for

Card-issuing buyers (Marqeta + Lithic + Stripe Issuing fit better); EU/UK businesses.

Vendor Trust Score

Is Increase a trustworthy vendor?

8.2/10
High trust
Pricing transparency
Published rates; no hidden fees
7.1
Contract fairness
Reasonable terms; no auto-renew traps
8.4
Incident response
How they handle outages and breaches
8.1
Post-acquisition behavior
Customer treatment after M&A or PE
8.8
Executive stability
Leadership churn over 24 months
8.6
Roadmap honesty
Public commitments held
8.4
Trust signal log
  • 2021-09-15
    Series A close led by Box Group + Stripe alumni network
  • 2024-09-15
    RTP rails expansion + developer documentation enhanced
Vendor Trust is scored independently of product quality. A great product from an unfair vendor still earns a low trust score.
Review Intelligence

What 60 reviews actually say

Synthesized from G2, Capterra, Reddit, Trustpilot. Patterns >15% prevalence shown.

Last synthesized
2026-04-29

Praise patterns

  • Modern API-first bank-rails platform
    87% →
  • Modern developer experience
    71% →
  • Founder pedigree from Stripe
    51% →

Complaint patterns

  • Pure-card-issuing absent
    47% →
  • Brand mindshare in BaaS procurement defaults lower
    38% ↓
  • US-only geographic coverage
    31% →
Sentiment trend (6 months)
84/100 +2 pts
12
01
02
03
04
05
Patterns are extracted from review corpus and human-verified. We surface trends, not anecdotes.
Verified Pricing

What buyers actually pay

18 anonymized deal disclosures · last updated 2026-05-01

Contribute your deal price
Company size Median annual
20-200 transactions/mo $24,000
200+ transactions/mo $78,000
Verified pricing is crowdsourced from buyers under anonymity guarantees. Vendor-listed prices are validated against actual deals quarterly.
Compliance & Security

Auto-verified certifications

Verified 2026-05-01
SOC 2 Type II
ISO 27001
HIPAA
GDPR
CCPA
PCI DSS
FedRAMP

Editorial: Strengths

  • Modern API-first bank-rails platform
  • ACH/wire/check + RTP payment rails
  • Modern developer experience
  • Founder pedigree from Stripe
  • Strong API documentation
  • Compliance focus

Editorial: Weaknesses

  • Pure-card-issuing absent (specializes in rails not cards)
  • Capital base smaller than peers
  • Brand mindshare in BaaS procurement defaults lower
  • US-only geographic coverage

Key features & integrations

  • +Modern API-first bank rails
  • +ACH/wire/check + RTP payment rails
  • +Strong developer documentation
  • +Compliance focus
  • +Direct bank-API model
  • +Real-time payment monitoring
  • +Sandbox environment for development
  • +Webhooks and event streaming
30+ integrations
PlaidPersonaAlloyStripeUnitTreasury Prime
Geography supported
North America
Best fit
20-500 employees · Modern cloud-native businesses
Editorial deep-dive

Read our full ranking of Embedded Finance and Banking-as-a-Service (BaaS)

Increase ranks #8 in our editorial review of 10 embedded finance and banking-as-a-service (baas) platforms. The deep-dive covers methodology, comparison tables, decision matrix, migration scoring, and FAQs.

Read the full ranking

Closest alternatives in Embedded Finance and Banking-as-a-Service (BaaS)

#7
Highnote
Modern card-issuing with advanced controls; Series B 2022.
★ 4.5 partial
#9
Bond (Visa)
Visa-acquired BaaS platform; post-acquisition integration in progress.
★ 4.0 opaque
#6
Stripe Issuing
Stripe-bundled card issuing for existing Stripe customers.
★ 4.5 public
Help the next buyer

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Pricing in B2B software is opaque because vendors want it that way. Verified buyer prices fix that, anonymously. Share what you actually paid for Increase; we’ll add it to the verified pricing dataset on this page (with company size band only, no identifying details).

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