Push-to-Card
Instant payments to billions of cards
Send funds directly to Visa and Mastercard cards in real time.
Instant card payments
Send funds to eligible Visa and Mastercard cards in seconds at any time.
Final and irrevocable
Funds move as credits directly through the card networks—no returns or reversals.
Broad coverage
Reach billions of eligible cards, both domestically and internationally.
Global reach
Disburse funds to cardholders in over 190 currencies.
Visa Direct and Mastercard Send
Instant payouts across major card networks
Push-to-Card transfers leverage the same secure infrastructure that powers billions of card transactions worldwide—delivering funds in seconds, not days.
await increase.cardPushTransfers.create({
  amount: 2500,
  business_application_identifier: "funds_disbursement",
  card_token_id: "card_token_zlt0ml6youq3q7vcdlg0",
  merchant_category_code: "5734",
  merchant_city_name: "New York",
  merchant_name: "Acme Corp",
  merchant_name_prefix: "Acme",
  merchant_postal_code: "10045",
  merchant_state: "NY",
  recipient_name: "Jamie Lee",
  sender_address_city: "New York",
  sender_address_line1: "33 Liberty Street",
  sender_address_postal_code: "10045",
  sender_address_state: "NY",
  sender_name: "Acme Corp",
  source_account_number_id: "account_number_v18nkfqm6afpsrvy82b2",
});
Direct network connectivity
Built on redundant leased-line connections
Increase connects directly to Visa and Mastercard through redundant, private leased lines—bypassing the public internet entirely. This ensures low latency, high reliability, and consistent availability for Push-to-Card transfers.
Redundant circuits across the country
Low latency round-trip times
Full ISO 8583 data element access
Use cases
Marketplace payouts
Instantly pay sellers and gig workers to their debit cards as soon as transactions settle.
Insurance disbursements
Send claim payouts directly to a policyholder’s debit card—no checks or delays.
Refunds and lending
Deliver loan proceeds or refunds directly to a customer’s card within seconds.
Payroll and wage access
Offer instant access to wages, even on weekends and holidays.
Bare-metal APIs
Every detail directly from Visa and Mastercard
Network-level response codes
decline.reason
Receive detailed Visa / Mastercard decline reasons—such as insufficient funds or expired card—to understand why a transfer failed.
Trace identifiers
submission.trace_number
Each transfer includes network trace, retrieval reference numbers, and transaction IDs for end-to-end reconciliation.
Acceptance confirmations
acceptance.accepted_at
When a transfer succeeds, receive network-verified timestamps and authorization identifiers instantly.
Push-to-Card for developers
Retrieve Card Token capabilities
Validate a Card
Send a Card Push Transfer
Retrieve a Card Push Transfer
List Card Push Transfers
const cardTokenCapabilities =
  await increase.cardTokens.capabilities(
    "card_token_zlt0ml6youq3q7vcdlg0"
  );
Check whether a specific card token supports domestic or cross-border Card Push Transfers.
Understand per-network routing availability.
Gate transfers on the exact capabilities returned by Visa or Mastercard.
Learn how Push-to-Card works
Card Push Transfers send ISO 8583 messages through Visa Direct and Mastercard Send.
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Read about our card network integrations
Increase connects to Visa's Direct Exchange through redundant leased lines.
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Banking for builders
Everything you need and nothing you don't
Direct connections to the networks for money movement. Bank accounts that open instantly. Unopinionated building blocks that don't force you into legacy patterns.
ACH Payments
Originate ACH credits and debits, validate account numbers with pre-notifications and store commonly accessed details.
Learn more
Bank Accounts
Flexible account constructs with unlimited account numbers.
Learn more
Cards
Issue custom cards to your customers. Approve authorizations in real-time and configure your own limits.
Learn more
Checks
Send branded checks anywhere in the United States with one API call. Or deposit checks via API or the dashboard.
Learn more
Wires
The original instantaneous money transfer. Send money anywhere, anytime Fedwire is open.
Learn more
Real-Time Payments
Transmit money to accounts at most major banks in seconds, not days.
Learn more
FedNow
The Federal Reserve’s newest payment method. Quickly move money 24/7/365 with any participating bank.
Learn more
Push-to-Card
Send funds to eligible Visa and Mastercard cards in seconds at any time.
Learn more
Increase is not a bank. Banking products and services are offered by Grasshopper Bank, N.A., Member FDIC; First Internet Bank of Indiana, Member FDIC; Twin City Bank, Member FDIC; and Core Bank, Member FDIC. Cards Issued by First Internet Bank of Indiana, pursuant to a license from Visa Inc. Deposits are insured by the FDIC up to the maximum allowed by law through Grasshopper Bank, N.A., Member FDIC; First Internet Bank of Indiana, Member FDIC; Twin City Bank, Member FDIC; and Core Bank, Member FDIC. FDIC deposit insurance only covers the failure of the FDIC insured bank.