Skip to content
SPECIFICTION
Get listed

Increase ACH

increase.com

WebAPI
Visit increase.com
Spec score 7.6 #14 of 31 in Banking-as-a-Service Platforms

What it is

Increase ACH is a web and API service for technology companies that originate ACH credits and debits, track returns, and store frequently used payment details. Increase says ACH is same-day by default, submitted at every Federal Reserve window, with payments potentially arriving in less than 24 hours. Next-day ACH origination is priced at $0.50, while same-day origination costs $2. ACH returns cost $5, unauthorized returns cost 15.00 USD, and late return request processing costs 25.00 USD. Unique counterparty account numbers support reconciliation. Incoming transfers can be previewed for one hour before allocation, with allow or disallow lists and other rules or limits. Return codes and standard entry class codes are exposed, returns are automatically correlated, and webhooks report transfer lifecycle events. The dashboard shows payment status, pending submissions, estimated arrival, and returns. Increase also lists PCI DSS Level I and SOC 2 audits, disk-level encryption, application-level AES 256 encryption for certain data, and HTTPS for API requests.

Spec sheet

Purpose
Increase ACH lets customers originate ACH credits and debits, track and initiate returns, and store frequently accessed details.Read 3 Oct 2026 · increase.com
Integrations
Increase documentation describes its API as exposing capabilities and data from the Federal Reserve, Visa, The Clearing House, depository networks, and accounting tools.Read 3 Oct 2026 · increase.com
Support
Increase says customers can contact its sales team at [email protected] with questions or to get started.Read 3 Oct 2026 · increase.com
Account numbers
Unique account numbers for counterparties can be used to automate reconciliation.Read 3 Oct 2026 · increase.com
API and webhooks
The product supports programmatic ACH credits and debits, with webhooks that report on the transfer lifecycle.Read 3 Oct 2026 · increase.com
Dashboard
The Increase dashboard can show ACH payment status, transactions awaiting submission, estimated funds arrival, and returns.Read 3 Oct 2026 · increase.com
Encryption
Increase says data is stored with disk-level encryption, certain data receives application-level AES 256 encryption, and HTTPS is enforced for API requests.Read 3 Oct 2026 · increase.com
Funds availability
Increase says customers can instantly access debited funds when they maintain a reserve account.Read 3 Oct 2026 · increase.com
Inbound payment controls
Customers can preview inbound ACH transfers for one hour before allocating them and can create allow or disallow lists and specialized rules or limits.Read 3 Oct 2026 · increase.com
Intended customers
Increase describes its platform as banking infrastructure for technology companies and says fintech platforms moving customer funds can contact it for custom pricing.Read 3 Oct 2026 · increase.com
Pricing qualification
Increase says monthly fees vary by use case and offers custom pricing to financial technology platforms moving customer funds or companies with large corporate balances.Read 3 Oct 2026 · increase.com
Returns and codes
The product exposes return codes and standard entry class codes, and says returns are automatically correlated.Read 3 Oct 2026 · increase.com
Same-day payments
Increase says ACH is same-day by default, submits at every Fed window, and payments can arrive in less than 24 hours.Read 3 Oct 2026 · increase.com
Security audits
Increase says it undergoes annual PCI DSS Level I Service Provider and SOC 2 audits.Read 3 Oct 2026 · increase.com

Plans and prices

ACH processing — Next-day ACH origination $0.50, paid once $0.50/ transaction Next-day ACH origination Read 3 Oct 2026 · increase.com
ACH processing — Same-day ACH origination $2, paid once $2.00/ transaction Same-day ACH origination Read 3 Oct 2026 · increase.com
ACH returns $5, paid once $5.00/ transaction ACH returns Read 3 Oct 2026 · increase.com
Unauthorized returns $15, paid once $15.00/ transaction Unauthorized ACH return codes R05, R07, R10, R11, R29, and R51 Read 3 Oct 2026 · increase.com
Late return request processing $25, paid once $25.00/ transaction Late return request processing Read 3 Oct 2026 · increase.com

Every Increase ACH plan and price →

Strong points and limits

Strong points

  • Same-day ACH by default
  • Web and API access
  • Lifecycle webhooks
  • Unique counterparty account numbers
  • Listed security audits

Limits

  • No free plan
  • Custom pricing may apply
  • Unauthorized returns cost 15.00 USD
  • Late return processing costs 25.00 USD

Who it suits

It suits technology companies building payment products or moving customer funds through ACH. Companies with large corporate balances or specialized fintech use cases can seek custom pricing.

Verdict

Increase ACH provides programmable ACH origination, controls for inbound payments, return handling, and dashboard visibility. Published per-transaction charges cover common operations, while some customers may need custom pricing.

Where Specifiction places it

Alternatives to Increase ACHAll alternatives →