Increase ACH review
A focused ACH product for API teams that price around each transaction.
Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026
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.
Increase ACH pros and cons
- 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
Increase ACH fact sheet, pricing and score →
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