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Changelog
Customer stories
Articles
April 23, 2024
Article
No Abstractions: an Increase API design principle
This post explains one of the core design principle of Increase’s API, dubbed No Abstractions, which we’ve found useful as our product and company scale.
April 15, 2024
Changelog
Week of 2024-04-15
  • We've added documentation for Programs to our guides.
April 8, 2024
Changelog
Week of 2024-04-08
  • We've added more detail on when Transfers require approval in the Dashboard Money Movement flow.
  • We've added a Card Payment lifecycle guide.
April 1, 2024
Changelog
Week of 2024-04-01
March 25, 2024
Changelog
Week of 2024-03-25
March 18, 2024
Changelog
Week of 2024-03-18
  • Visa Advanced Authorization fraud scores are available for all card authorizations in the Dashboard and API under network_risk_score.
  • Increase can now automatically sync your Accounts and Transactions to Quickbooks Online.
  • We've removed the unused Submitted status from Check Transfer Documentation.
March 11, 2024
Changelog
Week of 2024-03-11
March 6, 2024
Customer story
How CapitalOS built their spend management platform on Increase
CapitalOS offers embedded spend management solutions for B2B platforms looking to launch card-based products for their users. As B2B platforms increasingly become the operating system for small businesses, they’re uniquely positioned to save time and money for their users through smart spend management.
March 4, 2024
Changelog
Week of 2024-03-04
  • We've polished a number of our views in the Dashboard to follow a more standardized pattern for increased predictability on navigation.
February 26, 2024
Changelog
Week of 2024-02-26
  • You can now update the industry code for a corporate Entity.
February 19, 2024
Changelog
Week of 2024-02-19
February 12, 2024
Changelog
Week of 2024-02-12
  • You can now order physical versions of your Increase cards in the API and in the Dashboard Card detail view by using the 'Ship physical card button' on any cards you've created.
  • You can now view structured ACH Addenda in the Dashboard.
February 05, 2024
Changelog
Week of 2024-02-05
  • We've exposed cancelled Transfer Schedules in the Dashboard.
January 29, 2024
Changelog
Week of 2024-01-29
January 25, 2024
Article
How depository placement networks provide extended FDIC coverage
Increase and our bank partners now offer access to Federal Deposit Insurance Corporation (“FDIC”) coverage on deposits of more than $250,000. This works through our connection to a deposit placement network offered by IntraFi. You can place deposits using IntraFi’s ICS service via Increase’s Dashboard or API. Enrollment does not impact access to your funds.
January 22, 2024
Changelog
Week of 2024-01-22
  • We've added an Inbound Wire Transfer API to allow viewing and reconciling Inbound Wire Transfers.
  • You can now set your Program's billing account in the dashboard by clicking into the Fee Plan detail view.
  • We've added command palette search functionality to the Dashboard.
January 15, 2024
Changelog
Week of 2024-01-15
  • We've added documentation on ACH Authorizations.
  • You can now view Inbound Wire Transfer timeline details on Transaction detail views in the Dashboard.
  • We've added more validation on CSV compliance report updates in the Dashboard.
  • We've updated our status page's FedACH Schedule display for improved readability.
January 10, 2024
Article
How We Work
We first wrote an internal culture document at Increase on 2019-10-09. It was labeled as a draft since we weren’t sure what principles would hold true as we scaled. Now, 4 years later, we’ve found the way that we work allows us to process tens of billions in payments.
January 8, 2024
Changelog
Week of 2024-01-08
  • You can now favorite External Accounts in the Dashboard.
  • Fees and Fee Plans are now visible in the Dashboard.
  • You can now upload Vendor Lists as CSVs in the Dashboard.
December 18, 2023
Changelog
Week of 2023-12-18
  • Wire Transfers now limit the beneficiary_name to 35 characters, the message_to_recipient to 140 characters, and each line of the beneficiary_address to 35 characters.
December 11, 2023
Changelog
Week of 2023-12-11
December 04, 2023
Changelog
Week of 2023-12-04
  • You can now enroll accounts in IntraFi for higher FDIC coverage.
  • You can now create security incidents in the Dashboard.
  • You can now connect your Increase accounts anywhere Plaid is supported.
November 28, 2023
Customer story
How Ramp scaled a successful bill pay product with Increase
Ramp is the ultimate platform for modern finance teams. From spend management and expense management software, to bill payments and vendor management, Ramp’s all-in-one solution is designed to automate finance operations and build healthier businesses.
November 27, 2023
Changelog
Week of 2023-11-27
November 20, 2023
Changelog
Week of 2023-11-20
  • You can now filter Transactions by description in the Dashboard.
November 13, 2023
Changelog
Week of 2023-11-13
  • We've added new Transfers, Account Numbers and External Accounts tabs in Dashboard for easier navigation.
  • You can now filter Bookkeeping Accounts, Entities, Account Numbers and Accounts by name in the Dashboard.
  • You can now filter External Accounts and Cards by description in the Dashboard.
  • You can now filter Transfers by date in the Dashboard.
November 6, 2023
Changelog
Week of 2023-11-06
  • We've exposed new Bookkeeping APIs, Bookkeeping Entries and EntrySets now have their own APIs and new filter parameters.
  • You can now save beneficiary address and name details when creating new External Accounts in the External Accounts tab.
October 30, 2023
Changelog
Week of 2023-10-30
  • You can now download account verification letters from Dashboard. This is helpful if you need to demonstrate ownership to a third party.
  • You can now export a CSV of Entities.
  • You can now see which Entry Effective Date was used for an ACH Transfer.
  • You can now pull Bookkeeping Account balances in the API.
  • You can now save beneficiary address and name details when creating new External Accounts in the Money Movement flow for reuse.
October 23, 2023
Changelog
Week of 2023-10-23
  • ACH addenda are now visible on the Inbound ACH Transfer object.
  • There is a new verification hash on the card authorization resource that shows the address provided by a customer, the address we match it against, and the result. It also shows the result of the CVC match.
  • We now expose a few more network identifiers on our various card payment-related resources, nested under network_identifiers.
  • We've added support for Automatic Fuel Dispenser payments, where the initial authorization will be followed by a card_fuel_confirmation that updates the amount to the actual fuel pump amount.
  • You can now filter the Transfers list in Dashboard.
  • ACH Transfer objects now include an effective_date that tells you which day a transfer was processed.
  • You can now search Inbound Wires by Input Message Accountability Data (IMAD) and Trace Number in the Dashboard.
  • You can now export Bookkeeping balances in the Dashboard.
October 16, 2023
Changelog
Week of 2023-10-16
  • We updated our Proof of Authorization flow to be more guided.
  • You can now rename Bookkeeping Accounts in the Dashboard and the API.
  • You can now see the Check Transfer ID on Check Transfer Deposits in the Transactions API.
October 9, 2023
Changelog
Week of 2023-10-09
  • You can now filter Transactions by amount in the Dashboard.
  • You can now view Fee Statements by Program in the Dashboard.
  • You can access more Federal Deposit Insurance Corporation (FDIC) coverage to protect your account balances above $250K. Reach out if you'd like to enroll in our Extended Deposit Insurance.
  • You can now see failed scheduled transfers in the dashboard and we will email you if they fail.
  • You can disable notification emails altogether in Settings.
  • There is now a direction field on Card Authorization resources that shows whether it's a settlement or refund authorization.
  • We fixed a bug where Card increment amounts would sometimes have the wrong signage.
October 2, 2023
Changelog
Week of 2023-10-02
  • You can now search for ACH Transfers by Trace ID and for Wire Transfers by Input Message Accountability Data (IMAD) in the Dashboard.
September 25, 2023
Changelog
Week of 2023-09-25
  • You can now see maximum string lengths in our API Documentation.
  • You can now simulate advancing a physical card shipment in sandbox.
  • When depositing a check in the money movement flow you can now review check images before depositing.
September 18, 2023
Changelog
Week of 2023-09-18
  • The Inbound ACH Transfer object now includes the originator routing number information.
  • The Inbound Wire object now optionally includes the originator routing number information.
  • You can now cancel physical card submissions prior to shipping.
  • You can now assign a compliance role to users.
September 11, 2023
Changelog
Week of 2023-09-11
September 4, 2023
Changelog
Week of 2023-09-04
  • We've added polish to our mobile experience to make it easier to view timeline data.
August 28, 2023
Changelog
Week of 2023-08-28
August 21, 2023
Changelog
Week of 2023-08-21
  • You can now view FedACH processing windows and FedACH file submission details on our status page.
August 14, 2023
Changelog
Week of 2023-08-14
  • ACH transfers report when they were acknowledged by FedACH in the acknowledgement details.
August 7, 2023
Changelog
Week of 2023-08-07
  • You can now add a new Beneficial Owner to an existing Corporation entity.
  • Beneficial Owners can have multiple prongs within one Corporation.
  • You can fetch an image of the mailed check sent by Increase for a Check Transfer.
July 31, 2023
Changelog
Week of 2023-07-31
  • You can now manage Card Profiles in Dashboard.
  • Wire Transfer now allow alphanumeric characters in account numbers.
  • There are improved Dashboard filters for Transactions and Cards.
July 24, 2023
Changelog
Week of 2023-07-24
  • You can now make a Check Transfer that you, rather than Increase, mail.
  • Level 2 and industry-specific data is available under card_settlement and card_refund sources in the purchase_details object.
  • Level 3 data, such as line item level itemization of purchases, is available under the new /card_purchase_supplements API.
July 17, 2023
Changelog
Week of 2023-07-17
  • You can now create bookkeeping accounts and entry sets in Dashboard.
July 10, 2023
Changelog
Week of 2023-07-10
  • You can now upload rear images for driver’s licenses and other identification documents.
  • You can now view all of your prior document submissions in Dashboard.
  • We’ve updated transaction descriptions in Dashboard to be more readable.
  • We’ve added additional polish to our move money flows, improving the ability to send money to saved External Accounts.
July 03, 2023
Changelog
Week of 2023-07-03
  • We've added newly designed move money flows in Dashboard to make it easier to pay saved External Accounts, created a review step to reduce commonly made errors, and introduced a few other experience improvements.
  • Open Fee Statements for the current month are now visible in Dashboard.
  • Document requests for late returns and proof of authorization requests are now visible in Dashboard.
  • Bookkeeping entries are now visible in Dashboard.
  • The ACH notifications_of_change attribute now has all of its change_codes documented.
June 26, 2023
Changelog
Week of 2023-06-26
June 19, 2023
Changelog
Week of 2023-06-19
June 12, 2023
Changelog
Week of 2023-06-12
  • Bookkeeping data is now visible in the Dashboard.
  • We’ve added support for a Go SDK.
  • Checks can now be stopped before they’re mailed.
June 05, 2023
Changelog
Week of 2023-06-05
  • You can now view the raw return code (raw_return_reason_code) on a returned ACH Transfer including a brief description (return_reason_code).
  • Dashboard now surfaces additional information in object lists including Transactions, Cards, Account Numbers, and Transfers lists.
May 29, 2023
Changelog
Week of 2023-05-29
  • You can now view the interest rate earned by an Account in the Accounts API.
  • Post Office Boxes are no longer accepted as valid Entity addresses, with the exception of Army Post Office (APO) and Fleet Post Office (FPO) addresses.
May 22, 2023
Changelog
Week of 2023-05-22
May 15, 2023
Changelog
Week of 2023-05-15
  • New Entity views in Dashboard let you review and edit your information and give you access to quick actions, all in one place.
  • With Programs, platforms can now report compliance data (such as metrics, complaints, and third-party risk reports) directly in Dashboard.
April 17, 2023
Changelog
Week of 2023-04-17
  • You can now view detailed timelines for transfers in Dashboard.
  • The new pending_reviewing status on a transfer indicates when a transfer is under review by Increase.
  • The ACH Transfer API now includes multiple notifications_of_change, if they are sent by the receiving bank.
April 10, 2023
Changelog
Week of 2023-04-10
  • You can now override webhook Event Subscriptions for Real-Time Decisions in the sandbox by specifying an event_subscription_id in the simulation. This is helpful when multiple developers are building in the same sandbox environment.
  • Our new Balance Lookups API enables you to see the available and current balance of your accounts. This will soon replace the balance attribute on Accounts.
  • Our new beta Exports API enables you to download your Increase data in batches. Check out the Exports documentation for more information.
  • You can now update your Entity's address in Dashboard.
April 3, 2023
Changelog
Week of 2023-04-03
  • We've written new guides to common Networks, such as ACH, Check 21, and Fedwire. Let us know what networks you'd like us to write about next!
  • You can now simulate an Interest Payment to your Account.
  • Transfer templates are now deprecated in favor of External Accounts.
March 27, 2023
Changelog
Week of 2023-03-27
March 13, 2023
Changelog
Week of 2023-03-13
March 06, 2023
Changelog
Week of 2023-03-06
  • You can now require everyone in your Team to setup two-factor authentication on your Team's settings page.
  • You can also view events related to your Team's security changes, such as password resets and two-factor authentication changes, on your Team's settings page.
February 27, 2023
Changelog
Week of 2023-02-27
  • You can now create and revoke API keys in Dashboard.
  • You can now simulate returning check deposits using the Simulations API.
  • You can now access the accompanying message that is printed on a CheckTransfer's letter.
February 20, 2023
Changelog
Week of 2023-02-20
  • You can now return inbound ACH Transfers with our new returns API.
February 13, 2023
Changelog
Week of 2023-02-13
  • We've made usability changes to Dashboard, including a refreshed Account page.
February 6, 2023
Changelog
Week of 2023-02-06
  • We have a new landing page!
  • We now include Visa specific fields in card authorization requests that can be used to differentiate between online and offline purchases.
  • You can now receive and respond to inbound wire drawdown requests through our API.
January 30, 2023
Changelog
Week of 2023-01-30
  • We now support notes on CheckTransfers that will be printed on the letter included with the check.
  • You can now schedule transfers with any interval in Dashboard.
January 23, 2023
Changelog
Week of 2023-01-23
  • You can now link External Accounts using Stripe's Financial Connections through Dashboard.
January 16, 2023
Changelog
Week of 2023-01-16
January 9, 2023
Changelog
Week of 2023-01-09
  • An Account's available balance, which represents the balance less any open Pending Transactions, is now available via the Account API.
  • You are now able to download documents, such as IRS Form 1099-INT through our new Documents API.
January 3, 2023
Changelog
Week of 2023-01-03
  • You can now approve and require approval on specific transfers, rather than all or nothing, through our API.
  • The ACH Transfer API now includes the time the transfer was submitted to FedACH, as well as beneficiary information.
  • The Wire Transfer API now includes the time the transfer was submitted to Fedwire, as well as beneficiary information.
  • Simulations now include richer data for ACH Transfers, Wire Transfers, and Real-Time Payments.
  • You can now filter Transactions with specific source categories using the Transactions List API.
December 12, 2022
Changelog
Week of 2022-12-12
  • Increase is now generally available and no longer requires an invite code to sign up! Start building today!
  • Our Real-Time Payments API, built directly on top of The Clearing House network, now supports sending Requests for Payment. Reach out if you'd like to try it out!
  • You can now specify a return address on outbound checks with our Check Transfers API.
  • Card settlement transactions now surface the presentment amount and currency.
  • Transaction CSV exports from Dashboard now include the transaction type.
  • The Real Time Decisions API now includes the Card Profile ID if it was set by the Real Time Decision.
December 5, 2022
Changelog
Week of 2022-12-05
  • You can now receive webhook events for Digital Wallet Tokens using the Events API.
  • You can now simulate refunding a card transaction using the Simulations API.
  • Templates are being deprecated in favor of External Accounts, which are now available in Dashboard. Existing Templates will continue to work as expected, but you won't be able to create new ones.
  • Check Transfers now have a returned status to let you know if there was an issue with the receiver.
November 28, 2022
Changelog
Week of 2022-11-28
  • You can now simulate card disputes using the Simulations API.
  • You can now upload supplemental documents for your entity using the Entity API.
  • You can now retrieve digital wallet tokens that are created when a user adds their Card to Apple Pay or Google Pay using the Digital Wallet Tokens API.
  • We now include additional originator information, such as name and address, on outbound wires.
November 14, 2022
Changelog
Week of 2022-11-14
  • We have a new platform integration guide to help you get started when building your business with a compliance forward mindset!
  • You can now use SMS to verify a card when adding it to a digital wallet using our Cards API.
  • You can now check if a routing number supports ACH, wire, and Real Time Payment transfers using our Routing Number API.
October 31, 2022
Changelog
Week of 2022-10-31
  • Receiving inbound Real-Time Payments is now generally available.
October 24, 2022
Changelog
Week of 2022-10-24
  • You can now specify an Entity's relationship to your group using the Entities API.
  • You can now create beneficial owners in the Entities API with out a passport.
October 10, 2022
Changelog
Week of 2022-10-10
  • You can now add Increase cards to digital wallets such as Apple and Google Pay! If you'd like to do this for cards you issue to your users, we also support custom artwork and branding. Reach out if you'd like to use this.
  • Our updated Check Deposits API give you access to details of a parsed check, such as the account number printed on the check.
  • Users can now be re-added to a Group.
October 3, 2022
Changelog
Week of 2022-10-03
September 5, 2022
Changelog
Week of 2022-09-05
August 29, 2022
Changelog
Week of 2022-08-29
  • You can now filter transactions by direction and transaction type in Dashboard.
August 15, 2022
Changelog
Week of 2022-08-15
  • Our new External Accounts API lets you store external account details for reuse.
  • You can now redirect cashback and interest to a specific account. Reach out if you'd like to do this.
August 8, 2022
Changelog
Week of 2022-08-08
August 1, 2022
Changelog
Week of 2022-08-01
  • Our new Cards webhook, which enables you to make real time decisions in the authorization flow, is in private beta! Reach out if you'd like to try it out!
  • Cards now appear in search.
July 25, 2022
Changelog
Week of 2022-07-25
  • API logs are now viewable under Developers.
July 18, 2022
Changelog
Week of 2022-07-18
  • You can now validate routing numbers against our new Routing Number API.
  • Our new Real-Time Payments API, built directly on top of The Clearing House network, is in private beta. Reach out if you'd like to try it out!
  • Account Statements are now available in the API.
  • Entities now have their own tab under Settings.
  • Events are now viewable under Developers.
June 20, 2022
Changelog
Week of 2022-06-20
  • You can download a PDF of wire routing details for an Account Number from Dashboard.
  • If you need to stop payment on a Check Transfer, you may now do so via the API.
June 6, 2022
Changelog
Week of 2022-06-06
  • Our new Cards API, built directly on top of the Visa network, is now in public beta. Try it out!
May 30, 2022
Changelog
Week of 2022-05-30
May 23, 2022
Changelog
Week of 2022-05-23
  • You can now simulate certain types of activity, such as inbound ACH transfers, in the sandbox.
  • OAuth applications are now generally available - you can make applications to work with data for other Increase users.
May 16, 2022
Changelog
Week of 2022-05-16
  • Files (both sent by you to Increase, and generated by Increase for you) are now exposed in the API. You can listen to file.created webhooks to know when Increase generates certain Files (such as statement PDFs) for you.
  • There are no longer limits on Account Number or Card creation in the sandbox.
May 9, 2022
Changelog
Week of 2022-05-09
  • Webhooks now have more predictable payloads and work in the sandbox. There's a guide on how they work here.
  • There's now an OpenAPI schema for our API.
  • This changelog now exists!
Products
ACH
Bank Accounts
Cards
Checks
Real-Time Payments
Wires
Banking services provided by First Internet Bank of Indiana, Member FDIC. Increase is a financial technology company, not a bank. 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 First Internet Bank of Indiana, Member FDIC.