Banking for ambitious technology companies. Build great financial products with an API-first bank.
Comprehensive infrastructure to move, store, and lend money. Increase supports industry-leading companies processing billions of dollars a day.
Informed by deep experience in banking and technology. Our team works closely with you to plan, launch, and scale your product.
Increase is built and run by industry experts from the largest banks, financial technology companies, and card networks. Everything we’ve learned running payments at scale drives Increase’s architecture.
“The central tenet of our culture is empowerment. It drives the way we make decisions, our access to knowledge, our ability to make changes, and our sense of urgency.”
We’ve built our company in a way that lets us stay close to our customers as they build. That means the folks who build our systems and talk to regulators are the same ones you chat with on Slack each day.
“We don’t have a traditional support team; the same engineers who build the system also operate and support it.”
Systems designed for flexibility, reliability, and transparency. We built a modern banking core from scratch with the needs of financial technology companies in mind.
Composable primitives
Unopinionated so you can build exactly what your customers need.
“We didn’t set out to build turn key solutions. We designed accounts, loans, cards, and payments to maximize flexibility for our users. So their funds flows are never constrained by our technology.”
Hardened infrastructure
Directly connected, rigorously tested, and fully redundant so you can build on Increase and stop thinking about it.
“If your users trust you with their payroll, you don’t just need our API to be available. You need the money to land.”
No abstractions
Predictable and high-fidelity data passthrough so you can build for every edge case.
“For Increase users, trying to hide the underlying complexity of these networks would irritate them, not simplify their lives.”
Trusted by companies of all shapes. Sophisticated platforms rely on Increase for bare-metal banking.
Full visibility and control for horizontal platforms
Visibility into every payment detail keeps you in control as you expand products and use cases.
Automations for manual edge cases let you scale to billions of payments with a lean team.
Direct bank partnerships and compliance ownership enable you to build a differentiated experience.
At Ramp we are building AI for finance, and we must move fast to save our customers’ most valuable resources — time and money. Increase empowers us to move quickly without compromising on reliability or precision.
Karim Atiyeh, Co-CEO
The transparency and agility Increase provides have been transformative. It lets us focus on building innovative payroll solutions without being bogged down by infrastructure limitations.
Andrew Brown, CEO
With Increase, higher visibility helps lower fraud risk and strengthen differentiation, which ultimately creates a better and more cost effective experience for the businesses we serve.
Matan Goldschmiedt, Co-founder and CTO
Ramp processes millions of bill payments with Increase
Check processes billions in payroll through Increase
Cards, accounts, and ACH power CapitalOS’s platform
The banking backbone for vertical financial technology companies
Banking, payments, and cards primitives customized to your industry’s workflows.
Fully-featured bank accounts serve as your customers’ financial system of record from day one.
Modular compliance options let you monetize banking products in weeks, not months.
Latest updates
Banking products and services are offered by Increase Bank, Grasshopper Bank, N.A., First Internet Bank of Indiana, or Core Bank (each, a Member FDIC bank and a “Partner Bank”).
Technology services are provided by Increase Technologies, Inc., a non-bank.
Where applicable, Visa® cards are issued by the applicable Partner Bank pursuant to a license from Visa U.S.A. Inc.
Eligible deposits held at a Partner Bank are insured by the FDIC up to the standard maximum deposit insurance amount. FDIC insurance protects against the failure of an insured bank only.