Checks
Non-cash payment methods? Check.
Send checks anywhere in the United States with one API call. Or deposit checks via API or the dashboard.
Remote Deposit Capture
Deposit checks using the dashboard or our flexible API. Upload images directly: no need for a third-party library.Flexible printing
Customize your checks using our API or print them yourself for full control.Fast turnaround
Checks are mailed the same day. Get status updates as checks are processed, submitted and mailed.Fully configurable, conveniently available
Check Transfers send funds from an Increase account to any US address by mailing a physical check. Don't hassle with routing numbers.
- Control your customer communication. Set the check memo and include a letter in the same envelope.
- Checks are sent same-day.
- Webhooks keep you up-to-date on mailing and deposits.
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curl -X "POST" \
--url "${INCREASE_URL}/check_transfers" \
-H "Authorization: Bearer ${INCREASE_API_KEY}" \
-d $'{
"account_id": "account_in71c4amph0vgo2qllky",
"address_line1": "33 Liberty Street",
"address_city": "New York",
"address_state": "NY",
"address_zip": "10045",
"amount": 1000,
"message": "Check payment",
"recipient_name": "Ian Crease"
}'
Mistakes happen. Stop payment on any sent check until it’s deposited.
- Customer change their address? Reissue a new check and send the lost one to the virtual shredder.
- Void uncashed checks on your own schedule: after 90, 180 or 365 days.
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curl -X "POST" \
--url "${INCREASE_URL}/check_transfers/check_transfer_30b43acfu9vw8fyc4f5/stop_payment" \
-H "Authorization: Bearer ${INCREASE_API_KEY}"
Upload files to deposit checks from mobile, web or your own servers.
- Supports any product experience. You can leave the OCR to Increase!
- Read back network details including
serial numberandauxiliary_on_us. - Transparent funds availability and visibility into bounced checks.
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curl -X "POST" \
--url "${INCREASE_URL}/check_deposits" \
-H "Authorization: Bearer ${INCREASE_API_KEY}" \
-d $'{
"account_id": "account_in71c4amph0vgo2qllky",
"amount": 1000,
"currency": "USD",
"front_image_file_id": "file_hkv175ovmc2tb2v2zbrm",
"back_image_file_id": "file_26khfk98mzfz90a11oqx"
}'
“Increase has been an invaluable banking partner to Modern Treasury. They support innovative, fast growing customers looking for high quality banking technology, and get our mutual customers moving money quickly. They understand the importance of speed to market and provide the right tools for building financial products.”
Dimitri Dadiomov
CEO, Modern Treasury
Simple and predictable transfers and deposits
- You send a check via the API.Personalize the memo.
- We send you a webhook when the check is
pending_mailing.And one more when the check ismailed. - The funds are withdrawn from your account automatically.If the check is returned, the funds are automatically credited.
- Later, the check is deposited.We send you an
check_transfer.updatedwebhook. - You can retrieve the images of checks once they're deposited.The check transfer is now
deposited.
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curl -X "POST" \
--url "${INCREASE_URL}/check_transfers" \
-H "Authorization: Bearer ${INCREASE_API_KEY}" \
-H "Content-Type: application/json" \
-d $'{
"account_id": "account_in71c4amph0vgo2qllky",
"address_line1": "33 Liberty Street",
"address_city": "New York",
"address_state": "NY",
"address_zip": "10045",
"amount": 1000,
"message": "Rental income",
"recipient_name": "Ian Crease"
}'
curl -X "POST" \
--url "${INCREASE_URL}/check_transfers" \
-H "Authorization: Bearer ${INCREASE_API_KEY}" \
-H "Content-Type: application/json" \
-d $'{
"account_id": "account_in71c4amph0vgo2qllky",
"address_line1": "33 Liberty Street",
"address_city": "New York",
"address_state": "NY",
"address_zip": "10045",
"amount": 1000,
"message": "Rental income",
"recipient_name": "Ian Crease"
}'
- Deposit a check into an Increase account.via the dashboard or a call to
POST /check_deposits. - We send you a
check_deposit.createdevent. - Checks are initially in the
pendingstate. - The funds are held for seven days.Unfortunately checks still bounce!
- When the check clears, we send you a
check_deposit.updatedwebhook. - The check is now
submitted.The funds are available to spend.
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curl -X "POST" \
--url "${INCREASE_URL}/check_deposits" \
-H "Authorization: Bearer ${INCREASE_API_KEY}" \
-H "Content-Type: application/json" \
-d $'{
"account_id": "account_in71c4amph0vgo2qllky",
"amount": 1000,
"currency": "USD",
"front_image_file_id": "file_hkv175ovmc2tb2v2zbrm",
"back_image_file_id": "file_26khfk98mzfz90a11oqx"
}'
curl -X "POST" \
--url "${INCREASE_URL}/check_deposits" \
-H "Authorization: Bearer ${INCREASE_API_KEY}" \
-H "Content-Type: application/json" \
-d $'{
"account_id": "account_in71c4amph0vgo2qllky",
"amount": 1000,
"currency": "USD",
"front_image_file_id": "file_hkv175ovmc2tb2v2zbrm",
"back_image_file_id": "file_26khfk98mzfz90a11oqx"
}'
Build your bank
Everything you need and nothing you don't
Direct connections to the networks for money transmission. Bank accounts that open instantly. Unopinionated building blocks that let you build for any funds flow or use case.
ACH
Originate ACH credits and debits, validate account numbers with pre-notifications and store commonly accessed details.
Bank Accounts
Commercial or consumer, FDIC insurance, unlimited account numbers.
Cards
Issue cards with custom art to businesses or consumers. Approve authorizations in real-time, or configure limits programmatically.
Checks
Send branded checks anywhere in the world with one API call. Or deposit checks via API or the dashboard.
Real-Time Payments
Transmit money to accounts at most major banks in seconds, not days.
Wires
The original instantaneous money transfer. Send money anywhere, anytime Fedwire is open.