Side by side
Increase ACH vs Unit
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.
Paid APIWeb
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 Paid AndroidAPIiPhone+1
Unit offers accounts, payments, cards, ledger tools, and managed modules for embedded finance products. Businesses should account for its partner-bank structure and the conditions attached to pass-through deposit insurance.
Visit UnitThe facts
| Increase ACH | Unit | |
|---|---|---|
| Free plan | No | Not published |
| Open source | Not published | Not published |
| Runs on | API, Web | Android, API, iPhone, Web |
| Lowest paid plan | See the plans | Free or on request |
| Plans published | 5 | 1 |
| Maker | Not published | Not published |
| Website | increase.com | unit.co |
| On banking-as-a-service platforms | #16 of 31 | #20 of 31 |
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.
Unit: what it does well
- Supports accounts, cards, credit products, and multiple payment rails.
- Native ledger provides settlement-level transaction visibility.
- UI components support web, mobile web, and native platforms.
- Managed Solutions can operate Banking or Bill Pay modules.
What to know first
- Pricing is available on request.
- Supported region is listed as the United States.
- Unit is not a bank; partner banks provide banking services.
Alternatives to Increase ACH Alternatives to Unit The whole list