aid: increase-com
url: https://raw.githubusercontent.com/api-evangelist/increase-com/refs/heads/main/apis.yml
name: Increase
kind: company
description: Increase is a bank-grade payments and financial infrastructure platform
  that exposes a single REST API for moving and holding money in the United States -
  ACH transfers, real-time payments (RTP and FedNow), domestic and international wires,
  physical and mailed checks, deposit accounts and account numbers, card issuing and
  card acquiring, ledgering and bookkeeping, KYC/KYB entities, and lockboxes. Increase
  connects directly to the Federal Reserve and card networks through partner banks,
  and every state change is delivered as an Event over HTTP webhooks. The API is
  documented with a public OpenAPI 3.1 spec (https://api.increase.com/openapi.json)
  and Stainless-generated SDKs for Python, TypeScript, Java, Kotlin, Go, Ruby, PHP,
  and C#. Base URL https://api.increase.com with a sandbox at https://sandbox.increase.com.
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
tags:
- Payments
- Banking
- Financial Infrastructure
- ACH
- Wire Transfers
- Real-Time Payments
- Cards
- Fintech
created: '2026-07-02'
modified: '2026-07-02'
specificationVersion: '0.19'
apis:
- aid: increase-com:increase-com-accounts-api
  name: Increase Accounts API
  tags:
  - Accounts
  - Balances
  - Banking
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://increase.com/documentation/api/accounts
  baseURL: https://api.increase.com
  properties:
  - url: https://increase.com/documentation/api/overview
    type: Documentation
  - url: https://increase.com/documentation/api/accounts
    type: APIReference
  - url: openapi/increase-com-openapi.yml
    type: OpenAPI
  description: Create, retrieve, update, list, and close deposit Accounts held at
    Increase's partner banks, and read real-time available and current balances. The
    root container for all money movement, tied to an Entity and a Program.
- aid: increase-com:increase-com-account-numbers-api
  name: Increase Account Numbers API
  tags:
  - Account Numbers
  - Routing
  - External Accounts
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://increase.com/documentation/api/account-numbers
  baseURL: https://api.increase.com
  properties:
  - url: https://increase.com/documentation/api/account-numbers
    type: APIReference
  - url: openapi/increase-com-openapi.yml
    type: OpenAPI
  description: Generate and manage Account Numbers (routing + account number pairs)
    that can receive ACH, wire, and check deposits, configure inbound ACH/check
    controls, and register External Accounts and look up Routing Numbers for
    counterparties.
- aid: increase-com:increase-com-cards-api
  name: Increase Cards API
  tags:
  - Cards
  - Card Issuing
  - Physical Cards
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://increase.com/documentation/api/cards
  baseURL: https://api.increase.com
  properties:
  - url: https://increase.com/documentation/api/cards
    type: APIReference
  - url: openapi/increase-com-openapi.yml
    type: OpenAPI
  description: Issue and manage virtual and physical commercial Cards - create, update,
    list, retrieve sensitive card details via a secure iframe, set PINs, and order
    Physical Cards fulfilled by Increase's print vendors.
- aid: increase-com:increase-com-card-payments-api
  name: Increase Card Payments API
  tags:
  - Card Payments
  - Authorizations
  - Real-Time Decisions
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://increase.com/documentation/api/card-payments
  baseURL: https://api.increase.com
  properties:
  - url: https://increase.com/documentation/api/card-payments
    type: APIReference
  - url: openapi/increase-com-openapi.yml
    type: OpenAPI
  description: Follow the full lifecycle of a card authorization and settlement via
    Card Payments and Card Purchase Supplements, approve or decline authorizations
    in real time through Real-Time Decisions, and manage Card Disputes.
- aid: increase-com:increase-com-ach-transfers-api
  name: Increase ACH Transfers API
  tags:
  - ACH
  - Transfers
  - FedACH
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://increase.com/documentation/api/ach-transfers
  baseURL: https://api.increase.com
  properties:
  - url: https://increase.com/documentation/api/ach-transfers
    type: APIReference
  - url: openapi/increase-com-openapi.yml
    type: OpenAPI
  description: Originate credit and debit ACH Transfers over the FedACH network,
    approve or cancel pending transfers, handle Inbound ACH Transfers with returns
    and notifications of change, and validate routing details with ACH
    Prenotifications.
- aid: increase-com:increase-com-wire-transfers-api
  name: Increase Wire Transfers API
  tags:
  - Wires
  - Fedwire
  - Drawdowns
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://increase.com/documentation/api/wire-transfers
  baseURL: https://api.increase.com
  properties:
  - url: https://increase.com/documentation/api/wire-transfers
    type: APIReference
  - url: openapi/increase-com-openapi.yml
    type: OpenAPI
  description: Send domestic Fedwire Wire Transfers, approve or cancel them, receive
    and reverse Inbound Wire Transfers, and request funds from counterparties with
    Wire Drawdown Requests.
- aid: increase-com:increase-com-real-time-payments-api
  name: Increase Real-Time Payments API
  tags:
  - Real-Time Payments
  - RTP
  - FedNow
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://increase.com/documentation/api/real-time-payments-transfers
  baseURL: https://api.increase.com
  properties:
  - url: https://increase.com/documentation/api/real-time-payments-transfers
    type: APIReference
  - url: openapi/increase-com-openapi.yml
    type: OpenAPI
  description: Send and receive instant, 24/7 payments over The Clearing House RTP
    network via Real-Time Payments Transfers and Inbound Real-Time Payments
    Transfers, with irrevocable, immediately-settled credit transfers.
- aid: increase-com:increase-com-checks-api
  name: Increase Checks API
  tags:
  - Checks
  - Check Deposits
  - Lockbox
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://increase.com/documentation/api/check-transfers
  baseURL: https://api.increase.com
  properties:
  - url: https://increase.com/documentation/api/check-transfers
    type: APIReference
  - url: openapi/increase-com-openapi.yml
    type: OpenAPI
  description: Print and mail physical Check Transfers (or send them electronically),
    place stop payments, deposit images of received checks with Check Deposits, and
    process Inbound Check Deposits with decline and return controls.
- aid: increase-com:increase-com-transactions-api
  name: Increase Transactions API
  tags:
  - Transactions
  - Ledger
  - Pending
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://increase.com/documentation/api/transactions
  baseURL: https://api.increase.com
  properties:
  - url: https://increase.com/documentation/api/transactions
    type: APIReference
  - url: openapi/increase-com-openapi.yml
    type: OpenAPI
  description: Read the immutable ledger of settled Transactions, in-flight Pending
    Transactions (holds), and Declined Transactions, each with a typed source object
    explaining exactly what moved money in an Account.
- aid: increase-com:increase-com-entities-api
  name: Increase Entities API
  tags:
  - Entities
  - KYC
  - KYB
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://increase.com/documentation/api/entities
  baseURL: https://api.increase.com
  properties:
  - url: https://increase.com/documentation/api/entities
    type: APIReference
  - url: openapi/increase-com-openapi.yml
    type: OpenAPI
  description: Onboard the people and businesses that own Accounts - create, update,
    archive, and list Entities (natural persons, corporations, trusts), manage
    Beneficial Owners, and attach Supplemental Documents for KYC/KYB compliance.
- aid: increase-com:increase-com-events-webhooks-api
  name: Increase Events and Webhooks API
  tags:
  - Events
  - Webhooks
  - Notifications
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://increase.com/documentation/webhooks
  baseURL: https://api.increase.com
  properties:
  - url: https://increase.com/documentation/webhooks
    type: Documentation
  - url: https://increase.com/documentation/api/events
    type: APIReference
  - url: openapi/increase-com-openapi.yml
    type: OpenAPI
  description: Subscribe to state changes across every Increase resource. Every change
    emits an Event; Event Subscriptions deliver those Events to your HTTPS endpoint
    as signed (Standard Webhooks HMAC-SHA256) webhooks, and the List Events API lets
    you poll or backfill up to 30 days of history.
- aid: increase-com:increase-com-bookkeeping-api
  name: Increase Bookkeeping API
  tags:
  - Bookkeeping
  - Ledgering
  - Accounting
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://increase.com/documentation/api/bookkeeping-accounts
  baseURL: https://api.increase.com
  properties:
  - url: https://increase.com/documentation/api/bookkeeping-accounts
    type: APIReference
  - url: openapi/increase-com-openapi.yml
    type: OpenAPI
  description: Build a double-entry sub-ledger on top of Increase money movement.
    Create Bookkeeping Accounts, post transactionally-applied Bookkeeping Entry Sets,
    read individual Bookkeeping Entries, and reconcile balances against real
    Transactions.
- aid: increase-com:increase-com-card-profiles-wallets-api
  name: Increase Card Profiles and Digital Wallets API
  tags:
  - Digital Wallets
  - Card Profiles
  - Tokenization
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://increase.com/documentation/api/digital-card-profiles
  baseURL: https://api.increase.com
  properties:
  - url: https://increase.com/documentation/api/digital-card-profiles
    type: APIReference
  - url: openapi/increase-com-openapi.yml
    type: OpenAPI
  description: Control the appearance and provisioning of issued cards - Digital Card
    Profiles (Apple Pay / Google Pay branding), Physical Card Profiles (print
    artwork), and Digital Wallet Tokens representing cards added to mobile wallets.
- aid: increase-com:increase-com-lockboxes-api
  name: Increase Lockboxes API
  tags:
  - Lockboxes
  - Mail
  - Receivables
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://increase.com/documentation/api/lockboxes
  baseURL: https://api.increase.com
  properties:
  - url: https://increase.com/documentation/api/lockboxes
    type: APIReference
  - url: openapi/increase-com-openapi.yml
    type: OpenAPI
  description: Receive paper checks and mail at a physical Lockbox address tied to an
    Account. Create and manage Lockboxes, and retrieve scanned Inbound Mail Items
    for automated receivables processing.
- aid: increase-com:increase-com-simulations-api
  name: Increase Simulations API
  tags:
  - Simulations
  - Sandbox
  - Testing
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://increase.com/documentation/api/simulations-account-transfers
  baseURL: https://api.increase.com
  properties:
  - url: https://increase.com/documentation/api/simulations-account-transfers
    type: APIReference
  - url: openapi/increase-com-openapi.yml
    type: OpenAPI
  description: Drive the sandbox deterministically. Simulation endpoints let you
    trigger inbound ACH/wire/RTP/check activity, settle or decline card
    authorizations, advance transfer states, and generate statements so you can test
    every code path without real money.
common:
- type: VulnerabilityDisclosure
  url: security/increase-com-vulnerability-disclosure.yml
- type: DomainSecurity
  url: security/increase-com-domain-security.yml
- type: Authentication
  url: authentication/increase-com-authentication.yml
- type: GitHubOrganization
  url: https://github.com/Increase
- type: LinkedIn
  url: https://www.linkedin.com/company/increase
- type: Website
  url: https://increase.com
- type: Documentation
  url: https://increase.com/documentation
- type: Plans
  url: plans/increase-com-plans-pricing.yml
- type: RateLimits
  url: rate-limits/increase-com-rate-limits.yml
- type: FinOps
  url: finops/increase-com-finops.yml
- type: Blog
  url: https://increase.com/updates.xml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com