Increase ACH vs NymCard
Increase ACH
increase.comNymCard
nymcard.comSide by side
| Figure | Increase ACH | NymCard |
|---|---|---|
| Price from | — | — |
| Free plan | — | — |
| Free trial | — | — |
| Open source | — | — |
| Web | Yes | Yes |
| iOS | — | Yes |
| Android | — | Yes |
| API | Yes | Yes |
| Self-hosted | — | Yes |
| Plans published | 5 | 1 |
| Spec score · Banking-as-a-Service Platforms | 7.6 (#14) | 8.0 (#7) |
| Integrations | Increase documentation describes its API as exposing capabilities and data from the Federal Reserve, Visa, The Clearing House, depository networks, and accounting tools. | NymCard says its platform connects to existing core banking platforms without requiring their replacement. |
| 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. | NymCard identifies banks, fintechs, and businesses as customers for its payments infrastructure. |
| Support | Increase says customers can contact its sales team at [email protected] with questions or to get started. | The site directs prospective customers to contact its team and directs developers to documentation. |
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
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.
NymCard
NymCard’s nCore is a payments platform for banks, fintechs, and businesses building financial products. It combines card issuing, money movement, settlement, reconciliation, lending infrastructure, and financial crime capabilities. Card programs can issue debit, credit, or prepaid cards in physical, virtual, or tokenized form, with controls for spending limits, billing cycles, repayment, and installments.
The platform also supports domestic and cross-border payments, foreign exchange, remittances, wallet top-ups, peer-to-peer and merchant payments, bill payments, transfers, and cash in and out. Financial crime features include identity verification, fraud monitoring, risk management, AML and sanctions screening, and issuer-side 3D Secure. NymCard says nCore can connect to existing core banking systems without replacing them, and can run in public cloud, hybrid, on-soil, or fully on-premise deployments. Its APIs, webhooks, implementation guides, and developer tools support integration. Listed platforms include Android, iOS, web, API, and self-hosted. NymCard says nCore holds PCI DSS Level 1, PCI SSF, SOC 2 Type II, and ISO 27001 certifications. Pricing is on request. Its lending infrastructure supports decisioning, origination, and servicing, but NymCard does not fund loans.