Increase ACH vs Railsr
Increase ACH
increase.comRailsr
railsr.comSide by side
| Figure | Increase ACH | Railsr |
|---|---|---|
| Price from | — | Free |
| Free plan | — | Yes |
| Free trial | — | Yes |
| Open source | — | — |
| Web | Yes | Yes |
| API | Yes | Yes |
| Plans published | 5 | 6 |
| Spec score · Banking-as-a-Service Platforms | 7.6 (#14) | 8.2 (#5) |
| Integrations | Increase documentation describes its API as exposing capabilities and data from the Federal Reserve, Visa, The Clearing House, depository networks, and accounting tools. | Railsr says its products package nearly 100 technical, commercial, operational, regulatory and financial-crime integrations behind one API and agreement. |
| Support | Increase says customers can contact its sales team at [email protected] with questions or to get started. | Existing customers are directed to log in to a service portal to raise support tickets. |
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
Railsr
- LearnFree
- Live Sandbox APIFree
- Play Sandbox APIFree
- LaunchPriced on request
- PrototypePriced on request
- ScalePriced on request
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.
Railsr
Railsr is an embedded finance platform for companies adding financial services to digital products. Its capabilities include wallets and accounts, debit, prepaid, credit and virtual cards, money transfers and reward programmes. Railsr says its APIs place these services within a brand’s digital journey, with the platform operating behind the scenes. It packages close to 100 integrations under a single API and commercial agreement. Developers can use the Play Sandbox API, a functional coding environment that uses fake money. The platform is offered through API and web and lists fintechs, sports clubs, retailers and brands among its intended customers. A free plan and trial are listed, while other pricing is available on request. For regulated services, customers contract with PayrNet, Railsr’s wholly owned subsidiary; Railsr provides technology services. Railsr says new agents or distributors cannot be onboarded without prior written FCA consent.