API banking and payment rails for technology companies and platforms, not a consumer retail bank brand. Sign up and Contact sales are the intake. Public fee schedule on /fees with custom pricing for platforms. Increase Technologies, Inc. is a non-bank; Partner Banks hold deposits and issue cards. Live money movement needs identity and bank approval.
What it is
Increase is Increase Technologies, Inc.’s API banking and payments platform for technology companies that want to store, move, and reconcile money programmatically. Live marketing brand is Increase. Legal: Increase Technologies, Inc. on the Privacy Policy and Increase Technology Service Terms (Increase Technologies Inc. in the Terms opener). Canonical marketing domain confirmed live at https://increase.com/ (HTTP 200 at research). Page title: Banking for ambitious technology companies | Increase. Homepage: Banking for ambitious technology companies. Build great financial products with an API-first bank. Meta description: Banking for ambitious technology companies. Build great financial products with an API-first bank. Press page: Founded in 2020 by Darragh Buckley, Increase powers money movement, money storage, lending and card issuing with flexible, transparent, and reliable primitives.
Product nav surfaces on the current site: ACH (/products/ach), Bank Accounts (/products/bank-accounts), Cards (/products/cards), Checks (/products/checks), FedNow (/products/fednow), Real-Time Payments (/products/real-time-payments), Push-to-Card (/products/push-to-card), Wires (/products/wires). Solution shapes include Bill pay, Payroll, Wallets, Embedded lending, Fund administration, Vertical SaaS, and Sponsor banking. /bank markets Increase Bank, Member FDIC, as an API-first bank engineered for builders. Homepage banner: Announcing Increase Bank, Member FDIC.
This page is Increase API banking for platforms: partner-bank accounts, ACH and related US rails, and card issuing from the same account stack. Adjacent Increase surfaces are Increase’s. They are not this page. Sponsor banking for banks, embedded lending packaging, fund administration, stablecoin partnership marketing on press clips, and deep loan-account docs are Increase’s. They are not this page.
Who it’s for
Shapes from Increase’s homepage, Vertical SaaS, Bank Accounts, ACH, Cards, Customers, Contact, and compliance docs:
- Technology companies and vertical SaaS platforms embedding payments and banking, which Vertical SaaS and homepage sell as companies that accept pay-ins, run embedded bill pay, reconcile with unique account numbers or lockboxes, and scale operating accounts, cards, and related financial tooling inside industry workflows.
- Payroll, bill-pay, wallet, spend, and treasury builders, which Solutions and Customers story titles sell as companies that move high volumes of payments, open accounts with a full suite of capabilities, or run treasury and spend products on Increase rails.
- Companies issuing Visa cards from the same accounts used for ACH and wires, which Cards and Launching a card program docs sell as issuer-processor style programs with bundled BIN sponsor options and real-time authorization decisions.
- Sponsor banks connecting fintech programs, which Sponsor banking sells as banks that want modern core and API connections to fintechs. That bank-buyer path is Increase’s. It is adjacent when the job is a software platform launching on Increase rather than buying the bank sponsor console.
Partner intake is Sign up / Get started (https://dashboard.increase.com/signup), Contact sales / Contact us (https://increase.com/contact), sales@increase.com, and Documentation (https://increase.com/documentation). Contact copy: Sign up with Increase and start moving funds today; for integration questions, submit the form or email sales@increase.com. Contact form asks whether you move your own money or customers’ money, customer type (Businesses / Consumers), US customer mix, company lifecycle, and whether you plan to run your own compliance program. Docs Sandbox: every API and dashboard feature is available in Sandbox with pretend money, then pilot in production with real money. Terms: limited access until Technology Company and the Bank review and approve required identity information. Docs Programs: every team has a Commercial Banking Program for the company’s own funds; managing funds on behalf of customers requires additional Programs created with Increase and a bank partner. Fees page: financial technology platforms moving customer funds (or large corporate balances) get custom pricing via Contact us. That is not a published self-serve live path for a new customer-money platform Program with no bank or Program conversation.
It is a fit for a US software company or fintech that wants partner-bank accounts and US rails (plus optional Visa issuing) inside the product, will complete Sign up and bank or Program diligence when moving customer funds, and does not need to hold the deposit charter itself.
Standout details
- Brand, domain, and product URL (as printed). Official marketing name on live pages: Increase. Legal technology entity: Increase Technologies, Inc. Canonical site: https://increase.com/ (HTTP 200 at research). Confirmed product URLs used here: /products/ach, /products/bank-accounts, /products/cards, /products/checks, /products/wires, /products/real-time-payments, /products/fednow, /products/push-to-card, /bank, /fees (also linked as Pricing), /contact, /press, /customers, /solutions/vertical-saas, /solutions/sponsor-banking. Docs: https://increase.com/documentation. Dashboard signup: https://dashboard.increase.com/signup. Status linked from nav. Public technology fee schedule is live at /fees and /pricing (same Fees page).
- Accounts and ledger (as printed). Bank Accounts: instantly open accounts with flexible account numbers and an intuitive transaction ledger; For-Benefit-Of accounts with virtual sub-accounts; Demand Deposit Accounts; interest on corporate cash and eligible platform balances; programmable limits; unlimited unique account numbers for reconciliation; verification letters and statements via dashboard or API. Docs Accounts: accounts and account numbers are separate; accounts available to use immediately after open. Extended deposit insurance via IntraFi ICS sweep is marketed on Bank Accounts and disclosed in the IntraFi footer block. Docs Programs: Accounts are grouped into Programs that set compliance and commercial terms; Commercial Banking for own funds; additional Programs for customer-money use cases with Increase and a bank partner.
- Money movement (as printed). ACH: originate credits and debits on FedACH; same-day by default; submit at every Fed window; returns correlated; passthrough return and SEC codes; inbound payment preview window; reserve-account path for faster access to debited funds (vendor claims). Wires: Fedwire send and receive, drawdowns, transparent submission timing. Real-Time Payments and FedNow product pages for instant rails. Checks: send branded checks or deposit via API or dashboard; lockbox addresses on the fee schedule. Push-to-Card: send funds to eligible Visa and Mastercard cards. Homepage product list also names Swift and Blockchain among rail marketing chips; treat those as homepage marketing chips and confirm depth on the dedicated product pages and docs for your use case.
- Cards (adjacent in Vert category terms; in-scope product). Cards page: programmatic card programs with unfiltered Visa connection (vendor claim), bundled BIN sponsor on dedicated BIN ranges, issue from the same accounts used for other money movement, real-time authorizations via Real-Time Decisions, physical cards, digital wallet tokens (Apple Wallet / Google Pay), disputes, and interchange visibility via API. Docs Launching a card program: Increase is an issuer processor with direct Visa access; cards share the same accounts as ACH, wires, and RTP; commercial, credit, and debit BINs depending on program needs. Footer: Visa cards issued by the applicable Partner Bank. Card issuing is secondary to the banking category choice for this listing; keep it in Standout, not as the page category.
- Ops, sandbox, and pricing. CTAs: Sign up / Get started, Contact sales / Contact us, Documentation. Sandbox is documented as feature-complete with Simulation APIs. Production for own-company Commercial Banking can start after signup and identity or bank approval per Terms. Customer-money Programs need Increase and bank partner Program setup per Programs docs. Contact form and sales@increase.com are the integration and platform intake. Public pricing: Increase Technology Fees on /fees list per-transaction amounts (examples as printed: next-day ACH origination $0.50; same-day ACH $2.00; wire origination $15.00; RTP and FedNow origination $2.50; virtual card creation $0.25; ACH returns and other line items). Monthly fees vary by use case. Platforms moving customer funds or large corporate balances: custom pricing, Contact us. Partner bank fee and interest pages are linked from /fees (First Internet Bank partner fees; Increase Bank interest). This listing does not reprint a full fee table as a buy rate.
- Bank partners and license posture (as printed). Footer and Terms: Partner Banks are Increase Bank, Grasshopper Bank, N.A., First Internet Bank of Indiana, or Core Bank (each Member FDIC). Technology by Increase Technologies, Inc., a non-bank. Privacy: Increase Technologies, Inc. is not a bank; Bank Services come from partner banks listed on the Legal Terms page. Announcing Increase Bank: since 2020 Increase has been a banking backbone with bank partners; those partnerships remain important; Increase Bank is the announced API-first bank step. Ask Increase which Partner Bank and Program apply. Card issuing license sits with the applicable Partner Bank under Visa.
- Geography and company facts. Privacy: Technology Services are currently not available outside the United States. Press: Founded in 2020 by Darragh Buckley. PCI DSS AOC (assessment ended July 13, 2026; entity Increase Technologies, Inc., DBA Increase) lists company mailing address 2900 NW Clearwater Drive, Suite 200 PMB 51, Bend, OR 97703 and phone (541) 204-6462. Terms Contact Us also prints (541) 262-5071. Frontmatter headquarters uses Bend, OR from that official AOC mailing address. An older 2024 AOC mailing line used 1001 SW Emkay Drive, Suite 100, Bend, OR 97702; treat the 2026 AOC line as current for this listing.
- Scale and named customers are Increase’s. Press: Increase technology facilitates the movement of nearly $500 billion in payments each year for companies such as Gusto, Ramp, and Stripe (vendor claim). Announcing Increase Bank repeats more than $500B annually with the same names. Customers page story titles name Ramp (bill pay; Ramp Treasury), Vantaca (Vendor Pay), Check (payroll), Ascend (insurance AR/AP), and CapitalOS (spend). Attribute as Increase-named stories and press claims, not independent verification.
- Adjacent modules. This page is Increase API banking for platforms: accounts, ACH and US rails, and card issuing on one stack. Adjacent products are Increase’s. They are not this page. Sponsor banking for banks, embedded lending, fund administration, loan accounts in docs, IntraFi extended insurance packaging, and press-covered stablecoin partnership clips sit next to the core accounts-and-rails job.
Sources: increase.com, ACH, Bank Accounts, Cards, Wires, Real-Time Payments, FedNow, Push-to-Card, Checks, Increase Bank, Fees / Pricing, Contact, Press / About, Customers, Vertical SaaS, Sponsor banking, Announcing Increase Bank, Privacy, Terms, Security, Docs, Sandbox, Compliance overview, Programs, Launching a card program, Dashboard signup, PCI AOC 2026 PDF.
Honest verdict
Increase is the listing to read when the job is API banking for a software platform or fintech: partner-bank accounts (including FBO constructs), ACH with FedACH-level control, wires, realtime rails, checks, push-to-card, and Visa card issuing from the same accounts, through one API and dashboard. Increase Technologies, Inc. is not a bank. Deposits and card issuing sit with Partner Banks named on the footer and Terms. Increase Bank is one of those Partner Bank paths on current pages; other Partner Banks remain in the same disclosure.
What it is not: a consumer retail bank brand page, or a production customer-money Program with no identity, bank, or Program diligence. Sign up and Contact sales are the intake. Sandbox is documented. Public transaction fees sit on /fees; platforms moving customer funds are pointed to custom pricing. If you will not complete bank and Program onboarding for customer money, stop. If the job is accounts and US rails (with optional cards) at a partner bank inside the product, start here.