Side by side

Galileo vs Increase ACH

Both stand on banking-as-a-service platforms. Which one you can start free with, which one lets you read the code, and what each costs once you pay.

Galileo

Paid APIWeb

Galileo brings together several financial infrastructure functions in a web platform and lists supported regions across the Americas. Organizations will need to request pricing to evaluate its cost.

Visit Galileo

Consider Increase ACH if your technology company needs programmatic or web-based ACH origination, return tracking, inbound payment controls, and payment status visibility. Look elsewhere if you need a free plan or a fixed monthly fee rather than transaction charges and use-case-dependent pricing.

Visit Increase ACH

The facts

	Galileo	Increase ACH
Free plan	Not published	No
Open source	Not published	Not published
Runs on	API, Web	API, Web
Lowest paid plan	Free or on request	See the plans
Plans published	1	5
Maker	Not published	Not published
Website	tech.sofi.com	increase.com
On banking-as-a-service platforms	#12 of 31	#16 of 31

Galileo: what it does well

Supports card issuing and embedded accounts
Includes KYC/AML tools and a ledger
Available across 14 listed regions
Web platform

What to know first

Paid service
Pricing requires a request

Increase ACH: what it does well

Supports ACH credits, debits, and return handling.
Same-day ACH is the default, with submissions at every Fed window.
Unique counterparty account numbers can support reconciliation.
Inbound transfers can be previewed for one hour before allocation.
Webhooks report transfer lifecycle events; the dashboard shows payment status.

What to know first

There is no free plan.
Fees are charged per transaction, including for origination and returns.
Instant access to debited funds requires a reserve account.
Monthly fees vary by use case; some customers need custom pricing.

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