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Editorial verdict · Who it’s wrong for

Who shouldn’t buy Increase?

A direct read on the buyers Increase is the wrong fit for — sourced from the same editorial team that ranked the full Embedded Finance and Banking-as-a-Service (BaaS) category.

Worst for

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

For context: who it IS for

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

Target size: 20-500 · Modern cloud-native businesses

Why we say this

Editorial pulled these weaknesses from Increase’s product card in our Top 10 Embedded Finance and Banking-as-a-Service (BaaS) Software for 2026:

  • ! 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

If Increase is wrong for you, consider these instead

Same Embedded Finance and Banking-as-a-Service (BaaS) category, different best-fit buyer.

#6 Stripe Issuing

Best for

Existing Stripe customers wanting bundled card issuing without separate BaaS integration.

See full profile →
#3 Marqeta

Best for

Modern fintech and B2B SaaS scaling card-issuing programs to enterprise volume.

See full profile →
#4 Lithic

Best for

Modern SMB and mid-market fintech wanting API-first card issuing.

See full profile →

Related editorial

Last updated 2026-05-10. Editorial verdict based on the published Top 10 Embedded Finance and Banking-as-a-Service (BaaS) Software for 2026 ranking. Disagree? Tell us.