FINANCE
Zluri is rebuilding access governance around the account rather than the application.
Alternatives · finance tools
Increase alternatives
The best Increase alternatives in finance tools, ranked by Sparkpulse's velocity_score.
Updated Sep 8, 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 1mo 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
Stigg brings contract management and overages GA — usage-based billing gets enterprise contract depth.
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
Credit Repair Cloud overhauled its navigation, added compliance-first onboarding for SSN and LPOA, and launched identity alert emails
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inDinero's changelog is a content marketing feed — founder finance guides, no product feature releases visible here.
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Firefly III publishes daily development builds; no stable release in the current window
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Invoice Ninja patches Square SCA, improves ACH handling, and extends bulk actions across all entities
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Shift4 is on a steady venue POS release cycle with Payment Links added to Customer Hub.
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Copperleaf launches Regulatory Intelligence to link regulatory changes to capital decisions
FINANCE
State credit math keeps deepening while the study tables get easier to work in.
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 | 8.8 | 2 | access-governanceidentitycertifications | Manage Instances for your Applications and Accounts for your Identities |
| Razorpay | 7.5 | 1 | paymentsai-account-managerwhatsapp | Meet RAY: Your Always-On AI Account Manager, Now Live on WhatsApp |
| Stigg | 6.3 | 1 | billingentitlementsusage-based-pricing | Contract Management (beta) |
| CloudZero | 6.3 | 1 | cloud-costfinopsmcp | CloudZero: rightsize Kubernetes workloads from your MCP client |
| Adapty | 6.3 | 1 | monetizationpaywallsai-agents | What's new in Adapty: your agent can build flows now |
| Credit Repair Cloud | 5.0 | 0 | credit-repaircomplianceclient-onboarding | — |
| inDinero | 5.0 | 0 | financeaccountingfractional-cfo | — |
| Firefly III | 5.0 | 0 | personal-financeself-hostedopen-source | — |
| Invoice Ninja | 5.0 | 0 | invoicingpayment-gatewayssca-compliance | — |
| Shift4 | 5.0 | 0 | paymentsvenue-poshospitality | — |
| Copperleaf | 5.0 | 0 | asset-investment-planningutilitiescapital-planning | — |
| GOAT.tax | 5.0 | 0 | tax-compliancerd-creditsstate-coverage | — |
The 12 best Increase alternatives, in depth
1. Zluri · velocity 8.8
Zluri is rebuilding access governance around the account rather than the application.
Over the last 30 days Zluri shipped 2 meaningful updates vs Increase's 0, most recently “Manage Instances for your Applications and Accounts for your Identities”. Its velocity score of 8.8/10 blends that with longer-term release cadence.
Where Increase leans on banking as a service, payments and compliance, Zluri focuses on access governance, identity and certifications.
Over the last 30 days Zluri has been shipping faster than Increase — a point in its favour if release momentum matters to you.
2. Razorpay · velocity 7.5
Razorpay launched RAY, an AI account manager on WhatsApp, while its blog shifted heavily toward cross-border payment education.
Over the last 30 days Razorpay shipped 1 meaningful update vs Increase's 0, most recently “Meet RAY: Your Always-On AI Account Manager, Now Live on WhatsApp”. Its velocity score of 7.5/10 blends that with longer-term release cadence.
Where Increase leans on banking as a service, payments and compliance, Razorpay focuses on payments, ai account manager and whatsapp.
Over the last 30 days Razorpay has been shipping faster than Increase — a point in its favour if release momentum matters to you.
3. Stigg · velocity 6.3
Stigg brings contract management and overages GA — usage-based billing gets enterprise contract depth.
Over the last 30 days Stigg shipped 1 meaningful update vs Increase's 0, most recently “Contract Management (beta)”. 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, Stigg focuses on billing, entitlements and usage based pricing.
Over the last 30 days Stigg has been shipping faster than Increase — a point in its favour if release momentum matters to you.
4. CloudZero · velocity 6.3
CloudZero ships Kubernetes rightsizing directly inside MCP clients, bringing cloud cost ops into AI assistants.
Over the last 30 days CloudZero shipped 1 meaningful update vs Increase's 0, most recently “CloudZero: rightsize Kubernetes workloads from your MCP client”. 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, CloudZero focuses on cloud cost, finops and mcp.
Over the last 30 days CloudZero has been shipping faster than Increase — a point in its favour if release momentum matters to you.
Full CloudZero trajectory → · Compare Increase vs CloudZero →
5. Adapty · velocity 6.3
Adapty is handing paywall construction to coding agents and adding a credits economy underneath.
Over the last 30 days Adapty shipped 1 meaningful update vs Increase's 0, most recently “What's new in Adapty: your agent can build flows now”. 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, Adapty focuses on monetization, paywalls and ai agents.
Over the last 30 days Adapty has been shipping faster than Increase — a point in its favour if release momentum matters to you.
6. Credit Repair Cloud · velocity 5.0
Credit Repair Cloud overhauled its navigation, added compliance-first onboarding for SSN and LPOA, and launched identity alert emails.
Its velocity score of 5.0/10 reflects longer-term release cadence.
Where Increase leans on banking as a service, payments and compliance, Credit Repair Cloud focuses on credit repair, compliance and client onboarding.
Credit Repair Cloud and Increase have shipped at a similar pace over the last 30 days, so the decision comes down to fit and feature depth.
Full Credit Repair Cloud trajectory → · Compare Increase vs Credit Repair Cloud →
7. inDinero · velocity 5.0
InDinero's changelog is a content marketing feed — founder finance guides, no product feature releases visible here.
Its velocity score of 5.0/10 reflects longer-term release cadence.
Where Increase leans on banking as a service, payments and compliance, inDinero focuses on finance, accounting and fractional cfo.
inDinero 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 publishes daily development builds; no stable release in the current window.
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 open source.
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. Invoice Ninja · velocity 5.0
Invoice Ninja patches Square SCA, improves ACH handling, and extends bulk actions across all entities.
Its velocity score of 5.0/10 reflects longer-term release cadence.
Where Increase leans on banking as a service, payments and compliance, Invoice Ninja focuses on invoicing, payment gateways and sca compliance.
Invoice Ninja and Increase have shipped at a similar pace over the last 30 days, so the decision comes down to fit and feature depth.
Full Invoice Ninja trajectory → · Compare Increase vs Invoice Ninja →
10. Shift4 · velocity 5.0
Shift4 is on a steady venue POS release cycle with Payment Links added to Customer Hub.
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 payments, venue pos and hospitality.
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. Copperleaf · velocity 5.0
Copperleaf launches Regulatory Intelligence to link regulatory changes to capital decisions.
Its velocity score of 5.0/10 reflects longer-term release cadence.
Where Increase leans on banking as a service, payments and compliance, Copperleaf focuses on asset investment planning, utilities and capital planning.
Copperleaf and Increase have shipped at a similar pace over the last 30 days, so the decision comes down to fit and feature depth.
Full Copperleaf trajectory → · Compare Increase vs Copperleaf →
12. GOAT.tax · velocity 5.0
State credit math keeps deepening while the study tables get easier to work in.
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 tax compliance, rd credits and state coverage.
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.
Frequently asked questions
What are the best alternatives to Increase?
The top Increase alternatives we currently track in finance tools are Zluri, Razorpay, Stigg, CloudZero, Adapty, 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.