ClearBank Embedded Banking vs Increase ACH
ClearBank Embedded Banking
clear.bank
Increase ACH
increase.comSide by side
| Figure | ClearBank Embedded Banking | Increase ACH |
|---|---|---|
| Price from | — | — |
| Free plan | — | — |
| Free trial | — | — |
| Open source | — | — |
| Web | — | Yes |
| API | Yes | Yes |
| Plans published | 1 | 5 |
| Spec score · Banking-as-a-Service Platforms | 7.8 (#10) | 7.6 (#14) |
| Intended customers | The product is designed for established regulated firms, including fintechs, wealthtechs, corporates and platforms with a proven track record. | Increase describes its platform as banking infrastructure for technology companies and says fintech platforms moving customer funds can contact it for custom pricing. |
Plans
Increase ACH
- ACH processing — Next-day ACH origination$0.50, paid once
- ACH processing — Same-day ACH origination$2, paid once
- ACH returns$5, paid once
- Unauthorized returns$15, paid once
- Late return request processing$25, paid once
In their own words
ClearBank Embedded Banking
ClearBank Embedded Banking has no write-up on Specifiction yet; its figures are above.
Increase ACH
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.