Increase GTM brain

Increase provides API-first banking and US payment infrastructure for fintech and software platforms.

category

Banking and payments APIs

market profile

  • text: Software platforms embed accounts, card issuing and money movement into products such as payroll, bill pay and wallets.
  • text: Buyers must integrate US payment networks while managing bank relationships and compliance.

personas

  • title: Head of engineering or payments engineering
    pains:
    • Integrating and reconciling multiple payment rails slows product development
    • Payment failures and poor uptime can disrupt customers' critical flows
  • title: Fintech product leader
    pains:
    • Launching embedded accounts or payouts requires bank and infrastructure coordination
    • Rigid banking infrastructure constrains product experiences
  • title: Payments operations and compliance lead
    pains:
    • High-volume transfers require reliable controls, visibility and reconciliation
    • Different rails have distinct returns, settlement and operating rules

icp

  • text: US fintech and vertical SaaS platforms building embedded finance into products for business customers.
  • text: Growth-stage and larger technology companies with engineering capacity and meaningful payment volumes, such as payroll and spend platforms.

message pillars

  • text: Build banking products with a developer-first platform.
  • text: Access multiple payment rails through one infrastructure provider.
  • text: Use a platform designed for substantial transaction volumes.

objections

  • objection: What will the full program cost?
    response: The fee schedule lists rail-specific transaction charges, while monthly fees vary by use case and custom pricing is available.
  • objection: Can it support mission-critical payment volumes?
    response: Evaluate uptime and relevant rail performance against your requirements; Increase publishes historical uptime and transaction volume figures.
  • objection: Who provides regulated banking services?
    response: Increase identifies Increase Bank and partner banks as banking providers; confirm the entity and terms for the intended product.

competitors

  • name: Unit
    why: Embedded finance platform offering accounts and payment APIs.
  • name: Stripe
    why: Provides financial infrastructure and embedded finance APIs to software platforms.
  • name: Column
    why: API-focused bank serving fintech builders.

influencers

  • name: Darragh Buckley
    url: https://www.linkedin.com/posts/darragh-increase_im-excited-to-announce-the-launch-of-increase-activity-7488217595855147008-VKnx
    why: Founder announcing Increase Bank and its API-first core.
  • name: Nik Milanović
    url: https://www.linkedin.com/posts/nikm_api-based-banking-provider-increase-is-launching-activity-7488237873633239040-w4lA
    why: Fintech commentator covering the bank launch.

keywords

  • banking API
  • embedded finance platform
  • ACH API
  • FedNow API
  • real time payments API
  • card issuing API
  • payroll payments infrastructure
  • bank accounts API

voice

  • Technical and precise
  • Confident
  • Developer oriented

signals

  • text: A vertical SaaS platform is launching embedded bill pay or bank accounts.
  • text: A fintech needs to add instant payments or programmatic card issuance at scale.

pricing

model: usage

motion

hybrid

channels

  • Developer documentation
  • SEO
  • LinkedIn
  • customer case studies
  • sales

confidence

high

Founders

  • name: Darragh Buckley
    title: Founder
    role: Founder

Back to YC companies