Increase ACH
Increase ACH lets technology companies originate ACH credits and debits, track returns, and store frequently used payment details through web and API access.
What Increase ACH is
Increase ACH lets technology companies originate ACH credits and debits, track returns, and store frequently used payment details through web and API access. Increase says ACH payments are same-day by default, submitted at each Federal Reserve window, and may arrive in less than 24 hours. Unique counterparty account numbers can help automate reconciliation. Customers with a reserve account can instantly access debited funds. For inbound payments, the service lets customers preview transfers for an hour before allocation, then apply allow or disallow lists and other rules or limits. Return codes and standard entry class codes are available, and returns are automatically correlated. Webhooks report transfer lifecycle events, while the dashboard shows payment status, pending submissions, estimated arrival, and returns. Pricing is per transaction: next-day ACH origination is $0.50, same-day ACH origination is $2.00, ACH returns are $5.00, unauthorized returns are $15.00, and late return request processing is $25.00. Custom pricing is available for certain customer use cases.
Good
- Same-day ACH is the default, according to Increase.
- Webhooks report transfer lifecycle events.
- Inbound transfers can be previewed for one hour.
- Unique counterparty account numbers support reconciliation.
Watch out
- No free plan is listed.
- Same-day ACH origination costs $2.00 per transaction.
- Unauthorized returns cost $15.00 per transaction.
Who it suits
Increase ACH suits technology companies that need programmable ACH processing, return tracking, and controls for inbound payments. It may also suit fintech platforms moving customer funds, for which Increase offers custom pricing.
Verdict
Increase ACH combines programmable credits and debits with return handling, inbound controls, and payment status visibility. Check the per-transaction charges and custom-pricing terms against your expected use.
Plans and prices
From Increase ACH's own pricing page, checked 3 Oct 2026.
| Plan | Price | What it gives you |
|---|---|---|
| ACH processing — Next-day ACH origination | $0.50, paid once | Next-day ACH origination · $0.50/ transaction |
| ACH processing — Same-day ACH origination | $2, paid once | Same-day ACH origination · $2.00/ transaction |
| ACH returns | $5, paid once | ACH returns · $5.00/ transaction |
| Unauthorized returns | $15, paid once | Unauthorized ACH return codes R05, R07, R10, R11, R29, and R51 · $15.00/ transaction |
| Late return request processing | $25, paid once | Late return request processing · $25.00/ transaction |
The facts
Each one read from Increase ACH's own pages, with the date it was checked.
What it does
- Account numbers
- Unique account numbers for counterparties can be used to automate reconciliation.checked 3 Oct 2026
- API and webhooks
- The product supports programmatic ACH credits and debits, with webhooks that report on the transfer lifecycle.checked 3 Oct 2026
- Dashboard
- The Increase dashboard can show ACH payment status, transactions awaiting submission, estimated funds arrival, and returns.checked 3 Oct 2026
- Encryption
- Increase says data is stored with disk-level encryption, certain data receives application-level AES 256 encryption, and HTTPS is enforced for API requests.checked 3 Oct 2026
- Funds availability
- Increase says customers can instantly access debited funds when they maintain a reserve account.checked 3 Oct 2026
- Inbound payment controls
- Customers can preview inbound ACH transfers for one hour before allocating them and can create allow or disallow lists and specialized rules or limits.checked 3 Oct 2026
- Integrations
- Increase documentation describes its API as exposing capabilities and data from the Federal Reserve, Visa, The Clearing House, depository networks, and accounting tools.checked 3 Oct 2026
- Intended customers
- Increase describes its platform as banking infrastructure for technology companies and says fintech platforms moving customer funds can contact it for custom pricing.checked 3 Oct 2026
- Pricing qualification
- Increase says monthly fees vary by use case and offers custom pricing to financial technology platforms moving customer funds or companies with large corporate balances.checked 3 Oct 2026
- Purpose
- Increase ACH lets customers originate ACH credits and debits, track and initiate returns, and store frequently accessed details.checked 3 Oct 2026
- Returns and codes
- The product exposes return codes and standard entry class codes, and says returns are automatically correlated.checked 3 Oct 2026
- Same-day payments
- Increase says ACH is same-day by default, submits at every Fed window, and payments can arrive in less than 24 hours.checked 3 Oct 2026
- Security audits
- Increase says it undergoes annual PCI DSS Level I Service Provider and SOC 2 audits.checked 3 Oct 2026
- Support
- Increase says customers can contact its sales team at [email protected] with questions or to get started.checked 3 Oct 2026
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