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Increase ACH

Paid#8 of 21 in ACH Payment Processing SoftwareBanking-as-a-Service Platforms

Increase ACH: A focused ACH product for API teams that price around each transaction. Ranked #8 of 21 in ACH Payment Processing Software by our editors (8.0/10); pricing: Paid; best for API teams optimizing for transaction-based ACH pricing.

8.0/10Editor score

Visit Increase ACH

Increase ACH8.0 Visit Increase ACH

At a glance

Editor score
8.0 / 10
Pricing
Paid
Best for
API teams optimizing for transaction-based ACH pricing
Free plan
No
Paid from
$0.50/unit usage-based
Facts checked
20 Sep 2026

Where it wins
- Supports ACH credits, debits, same-day processing, and settlement tracking
- Connects return codes, trace identifiers, and automatic return correlation
- Combines lifecycle webhooks with dashboard operator workflows
Where it doesn't
- No free plan is published
- ACH returns are priced at $5 per transaction
- Monthly fees vary by use case

Our verdict on Increase ACH

Increase ACH is an API-first ACH payment product from Increase Technologies, Inc. It is designed for technology companies, fintech platforms, and API teams that need to originate ACH credits and debits in US payment flows. The product combines programmatic payment operations with web dashboard workflows, covering same-day processing, settlement tracking, inbound payment previews, saved counterparties, flexible account numbers, and access to ACH trace identifiers, return codes, and standard entry class codes. Its strongest fit is for teams that want transaction-level ACH capabilities rather than a broad payments suite.

Pricing is usage-based. The published plans show Next-day ACH origination at $0.50 per transaction, Same-day ACH origination at $2 per transaction, and ACH returns at $5 per transaction. Monthly fees vary by use case. There is no free plan. This structure gives teams a clear per-transaction distinction between next-day and same-day origination, while returns carry a separate fee. Buyers should model their payment mix carefully, especially when return activity is a meaningful part of operations.

The product’s depth is concentrated in ACH operations and visibility. Transfer lifecycle webhooks can support event-driven workflows, while settlement tracking, automatic return correlation, trace identifiers, and return codes provide operational context around payment status and exceptions. Dashboard operator workflows add a web interface alongside the API. Increase ACH is a strong choice for teams building ACH into their own products and optimizing around transaction-based pricing. It is less suitable for buyers seeking a free entry plan, a simple end-user payment tool, or a broader platform whose value depends on features outside ACH.

Your product? Our editors can test Increase ACH in depth and publish a review, labelled as paid · from $149/mo →

Increase ACH pricing

Plans PaidPaid No free plan — trial or paid only. Prices checked 20 Sep 2026.

See plans on increase.com

All 3 Increase ACH plans and prices →

Increase ACH fact sheet

Free plan	No
Paid from	$0.50/unit usage-based
Recurring ACH payments	Not verified
ACH credit support	Yes
Same-day ACH	Yes
Payment links	Not verified
API access	Yes
Webhook support	Yes
ACH transaction limit	Not verified
Deployment	Cloud
Platforms	Web
Compliance & security	SOC 2, PCI DSS
Support	Email, Docs
Built for	Mid-market, Enterprise (editorial estimate)
Pricing	Paid (source)
Website	increase.com
Facts checked	20 Sep 2026

Alternatives to Increase ACH

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Increase ACH vs the competition

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Also Ranked In

Increase ACH is ranked in 2 of our directories.

#31Banking-as-a-Service Platforms31 tools ranked

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Featured on iTechGuides

Increase ACH is listed in our ACH Payment Processing Software directory. Add the badge to your site — it links back to this page.

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Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026

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Last updated 7 Oct 2026 · How we research and update