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Increase ACH
What it is
Increase ACH is a paid web and API service for originating ACH credits and debits, managing returns, and storing frequently used payment details. Increase says ACH is same-day by default, with submissions at every Federal Reserve window and possible arrival in less than 24 hours. Next-day origination is also available. Unique account numbers for counterparties can support automated reconciliation. With a reserve account, customers can instantly access debited funds. Incoming transfers can be previewed for one hour before allocation, with allow lists, disallow lists, rules, and limits. Return codes and standard entry class codes are exposed, and returns are automatically correlated. Webhooks report transfer lifecycle events, while the dashboard shows status, pending submissions, estimated arrival, transactions, and returns. Pricing is $0.50 per next-day origination, $2.00 per same-day origination, $5.00 per ACH return, $15.00 per unauthorized return, and $25.00 per late return request. Custom pricing is available for some use cases.
For and against
For
- Same-day ACH is enabled by default
- Webhooks report transfer lifecycle events
- Unique account numbers support reconciliation
- Inbound transfers have preview and rule controls
- Dashboard shows status and estimated arrival
Against
- No free plan is listed
- Unauthorized returns cost $15.00 each
- Late return processing costs $25.00 each
- Custom pricing may apply for some customers
The verdict
Increase ACH combines API and web access with same-day processing, controls for inbound transfers, and detailed return handling. Its per-transaction charges and paid-only model should be reviewed against expected ACH activity.
Who it suits
Increase describes ACH as banking infrastructure for technology companies. Fintech platforms moving customer funds and companies with large corporate balances can contact Increase about custom pricing.
Plans and prices
ACH processing — Next-day ACH origination
Next-day ACH origination
Read 3 Oct 2026 · increase.com
ACH processing — Same-day ACH origination
Same-day ACH origination
Read 3 Oct 2026 · increase.com
ACH returns
ACH returns
Read 3 Oct 2026 · increase.com
Unauthorized returns
Unauthorized ACH return codes R05, R07, R10, R11, R29, and R51
Read 3 Oct 2026 · increase.com
Late return request processing
Late return request processing
Read 3 Oct 2026 · increase.com
On the record
- Account numbers
- Unique account numbers for counterparties can be used to automate reconciliation.increase.com · read 3 Oct 2026
- API and webhooks
- The product supports programmatic ACH credits and debits, with webhooks that report on the transfer lifecycle.increase.com · read 3 Oct 2026
- Dashboard
- The Increase dashboard can show ACH payment status, transactions awaiting submission, estimated funds arrival, and returns.increase.com · read 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.increase.com · read 3 Oct 2026
- Funds availability
- Increase says customers can instantly access debited funds when they maintain a reserve account.increase.com · read 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.increase.com · read 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.increase.com · read 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.increase.com · read 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.increase.com · read 3 Oct 2026
- Purpose
- Increase ACH lets customers originate ACH credits and debits, track and initiate returns, and store frequently accessed details.increase.com · read 3 Oct 2026
- Returns and codes
- The product exposes return codes and standard entry class codes, and says returns are automatically correlated.increase.com · read 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.increase.com · read 3 Oct 2026
- Security audits
- Increase says it undergoes annual PCI DSS Level I Service Provider and SOC 2 audits.increase.com · read 3 Oct 2026
- Support
- Increase says customers can contact its sales team at [email protected] with questions or to get started.increase.com · read 3 Oct 2026
