FINANCE
Zluri is turning SaaS management into identity governance, and Segregation of Duties is the pivot.
Alternatives · finance tools
Increase alternatives
The best Increase alternatives in finance tools, ranked by Sparkpulse's velocity_score.
Updated Oct 21, 2026
Looking for the best alternatives to Increase? Sparkpulse tracks and ranks 12 alternatives in finance tools by shipping velocity — how frequently each ships meaningful updates, verified from official changelogs. For reference, Increase shipped 0 meaningful updates in the last 30 days and carries a velocity score of 3.8 out of 10 in 2026. The alternatives below are ranked the same way, so you're comparing real release momentum, not marketing claims.
About Increase
A banking-as-a-service API that now sells compliance and blockchain rails, not just payments
Increase ships a quarterly newsletter rather than a running changelog, so each entry bundles a quarter of API work. The last three quarters have moved past core payment rails into the surrounding infrastructure: managed compliance, entity onboarding sessions, 3D Secure, push provisioning and IP-restricted API keys. SDK coverage has widened to C#, PHP and Ruby, and the documentation was reworked to be readable by LLMs.
Velocity 3.8 · Last update 2mo ago
Top 12 alternatives to Increase
Ranked by recent ship velocity. Tap any card for the full editorial breakdown, or pivot to a head-to-head.
FINANCE
Razorpay launched RAY, an AI account manager on WhatsApp, while its blog shifted heavily toward cross-border payment education.
FINANCE
InvoiceShelf 3.0 alphas let Claude, ChatGPT and Cursor draft and send invoices.
FINANCE
LNbits ships sandboxed WASM extensions, opening self-hosted Lightning wallets to uncurated plugins.
FINANCE
QuickBooks rebuilds its bank feed around partial matches, AI-coded fields, and a new accountant platform.
FINANCE
CloudZero ships Kubernetes rightsizing directly inside MCP clients, bringing cloud cost ops into AI assistants
FINANCE
Adapty is handing paywall construction to coding agents and adding a credits economy underneath
FINANCE
Firefly III's develop builds continue into October 21, still with no changelog.
FINANCE
Stigg shows card brand and wallet type on payment methods as its billing reach widens.
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Shift4 posts Gift Card & Loyalty 26.2.1 notes in three languages ahead of an October 21 release.
FINANCE
GOAT.tax adds Form 6765 Section G reporting for large R&D credit filers.
FINANCE
Kill Bill keeps two release lines alive with small invoice-template changes.
Increase vs alternatives — shipping velocity at a glance
Velocity score (0–10) and meaningful releases shipped in the last 30 days, from official changelogs. Higher = shipping faster.
| Product | Velocity | Sparks · 30d | Focus areas | Latest release |
|---|---|---|---|---|
| Increase (baseline) | 3.8 | 0 | banking-as-a-servicepaymentscompliance | Managed compliance and blockchain transfers land in Q2 |
| Zluri | 7.5 | 0 | identity governanceaccess reviewssegregation of duties | Workflows v2 - Canvas-based UI |
| Razorpay | 7.5 | 0 | paymentsai-account-managerwhatsapp | Meet RAY: Your Always-On AI Account Manager, Now Live on WhatsApp |
| InvoiceShelf | 6.3 | 1 | invoicingmcpmulti-tenant-hosting | 3.0 alpha.5: AI assistants connect over MCP |
| LNbits | 6.3 | 0 | lightning-networkwasm-extensionsself-hosted | LNbits 1.6.0: sandboxed WASM extensions and Lightning Addresses |
| Intuit Intelligence | 6.3 | 0 | bank-feedai-categorizationreconciliation | Intuit Accountant Suite replaces QuickBooks Online Accountant |
| CloudZero | 6.3 | 0 | cloud-costfinopsmcp | CloudZero: rightsize Kubernetes workloads from your MCP client |
| Adapty | 6.3 | 0 | monetizationpaywallsai-agents | What's new in Adapty: your agent can build flows now |
| Firefly III | 5.0 | 0 | personal financeself-hostedpre-release | — |
| Stigg | 5.0 | 0 | monetizationcreditsbilling-integrations | — |
| Shift4 | 5.0 | 0 | restaurant pospaymentsgift cards | — |
| GOAT.tax | 5.0 | 0 | r&d-tax-creditsform-6765enterprise | — |
| Kill Bill | 5.0 | 0 | billinginvoicingtenant-branding | — |
The 12 best Increase alternatives, in depth
1. Zluri · velocity 7.5
Zluri is turning SaaS management into identity governance, and Segregation of Duties is the pivot.
Its velocity score of 7.5/10 reflects longer-term release cadence; its most recent meaningful update was “Workflows v2 - Canvas-based UI”.
Where Increase leans on banking as a service, payments and compliance, Zluri focuses on identity governance, access reviews and segregation of duties.
Zluri and Increase have shipped at a similar pace over the last 30 days, so the decision comes down to fit and feature depth.
2. Razorpay · velocity 7.5
Razorpay launched RAY, an AI account manager on WhatsApp, while its blog shifted heavily toward cross-border payment education.
Its velocity score of 7.5/10 reflects longer-term release cadence; its most recent meaningful update was “Meet RAY: Your Always-On AI Account Manager, Now Live on WhatsApp”.
Where Increase leans on banking as a service, payments and compliance, Razorpay focuses on payments, ai account manager and whatsapp.
Razorpay and Increase have shipped at a similar pace over the last 30 days, so the decision comes down to fit and feature depth.
3. InvoiceShelf · velocity 6.3
InvoiceShelf 3.0 alphas let Claude, ChatGPT and Cursor draft and send invoices.
Over the last 30 days InvoiceShelf shipped 1 meaningful update vs Increase's 0, most recently “3.0 alpha.5: AI assistants connect over MCP”. Its velocity score of 6.3/10 blends that with longer-term release cadence.
Where Increase leans on banking as a service, payments and compliance, InvoiceShelf focuses on invoicing, mcp and multi tenant hosting.
Over the last 30 days InvoiceShelf has been shipping faster than Increase — a point in its favour if release momentum matters to you.
Full InvoiceShelf trajectory → · Compare Increase vs InvoiceShelf →
4. LNbits · velocity 6.3
LNbits ships sandboxed WASM extensions, opening self-hosted Lightning wallets to uncurated plugins.
Its velocity score of 6.3/10 reflects longer-term release cadence; its most recent meaningful update was “LNbits 1.6.0: sandboxed WASM extensions and Lightning Addresses”.
Where Increase leans on banking as a service, payments and compliance, LNbits focuses on lightning network, wasm extensions and self hosted.
LNbits and Increase have shipped at a similar pace over the last 30 days, so the decision comes down to fit and feature depth.
5. Intuit Intelligence · velocity 6.3
QuickBooks rebuilds its bank feed around partial matches, AI-coded fields, and a new accountant platform.
Its velocity score of 6.3/10 reflects longer-term release cadence; its most recent meaningful update was “Intuit Accountant Suite replaces QuickBooks Online Accountant”.
Where Increase leans on banking as a service, payments and compliance, Intuit Intelligence focuses on bank feed, ai categorization and reconciliation.
Intuit Intelligence and Increase have shipped at a similar pace over the last 30 days, so the decision comes down to fit and feature depth.
Full Intuit Intelligence trajectory → · Compare Increase vs Intuit Intelligence →
6. CloudZero · velocity 6.3
CloudZero ships Kubernetes rightsizing directly inside MCP clients, bringing cloud cost ops into AI assistants.
Its velocity score of 6.3/10 reflects longer-term release cadence; its most recent meaningful update was “CloudZero: rightsize Kubernetes workloads from your MCP client”.
Where Increase leans on banking as a service, payments and compliance, CloudZero focuses on cloud cost, finops and mcp.
CloudZero and Increase have shipped at a similar pace over the last 30 days, so the decision comes down to fit and feature depth.
Full CloudZero trajectory → · Compare Increase vs CloudZero →
7. Adapty · velocity 6.3
Adapty is handing paywall construction to coding agents and adding a credits economy underneath.
Its velocity score of 6.3/10 reflects longer-term release cadence; its most recent meaningful update was “What's new in Adapty: your agent can build flows now”.
Where Increase leans on banking as a service, payments and compliance, Adapty focuses on monetization, paywalls and ai agents.
Adapty and Increase have shipped at a similar pace over the last 30 days, so the decision comes down to fit and feature depth.
8. Firefly III · velocity 5.0
Firefly III's develop builds continue into October 21, still with no changelog.
Its velocity score of 5.0/10 reflects longer-term release cadence.
Where Increase leans on banking as a service, payments and compliance, Firefly III focuses on personal finance, self hosted and pre release.
Firefly III and Increase have shipped at a similar pace over the last 30 days, so the decision comes down to fit and feature depth.
Full Firefly III trajectory → · Compare Increase vs Firefly III →
9. Stigg · velocity 5.0
Stigg shows card brand and wallet type on payment methods as its billing reach widens.
Its velocity score of 5.0/10 reflects longer-term release cadence.
Where Increase leans on banking as a service, payments and compliance, Stigg focuses on monetization, credits and billing integrations.
Stigg and Increase have shipped at a similar pace over the last 30 days, so the decision comes down to fit and feature depth.
10. Shift4 · velocity 5.0
Shift4 posts Gift Card & Loyalty 26.2.1 notes in three languages ahead of an October 21 release.
Its velocity score of 5.0/10 reflects longer-term release cadence.
Where Increase leans on banking as a service, payments and compliance, Shift4 focuses on restaurant pos, payments and gift cards.
Shift4 and Increase have shipped at a similar pace over the last 30 days, so the decision comes down to fit and feature depth.
11. GOAT.tax · velocity 5.0
GOAT.tax adds Form 6765 Section G reporting for large R&D credit filers.
Its velocity score of 5.0/10 reflects longer-term release cadence.
Where Increase leans on banking as a service, payments and compliance, GOAT.tax focuses on r&d tax credits, form 6765 and enterprise.
GOAT.tax and Increase have shipped at a similar pace over the last 30 days, so the decision comes down to fit and feature depth.
12. Kill Bill · velocity 5.0
Kill Bill keeps two release lines alive with small invoice-template changes.
Its velocity score of 5.0/10 reflects longer-term release cadence.
Where Increase leans on banking as a service, payments and compliance, Kill Bill focuses on billing, invoicing and tenant branding.
Kill Bill and Increase have shipped at a similar pace over the last 30 days, so the decision comes down to fit and feature depth.
Full Kill Bill trajectory → · Compare Increase vs Kill Bill →
Frequently asked questions
What are the best alternatives to Increase?
The top Increase alternatives we currently track in finance tools are Zluri, Razorpay, InvoiceShelf, LNbits, Intuit Intelligence, ranked by recent ship velocity.
How is this list of Increase alternatives ranked?
Alternatives are ranked by Sparkpulse's velocity_score — release cadence + 30-day spark count + sector-relative ship rate.
Can I compare Increase directly with one of these alternatives?
Yes — every card has a "Compare with Increase" link to a side-by-side /compare page.