openapi: 3.1.0
info:
  title: Increase Account Numbers ACH Transfers API
  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. This document models the primary resources of the Increase API - Accounts, Account Numbers, Cards, Card Payments, ACH / Wire / Real-Time Payments / Check transfers, Transactions, Entities, Events and webhooks, Bookkeeping, Card Profiles and Digital Wallets, Lockboxes, and Simulations. It is grounded in Increase's public OpenAPI 3.1 spec (https://api.increase.com/openapi.json) and the Stainless-generated SDKs. Authentication is a Bearer API key. All endpoints are HTTPS REST; state changes are delivered as Events over HTTP webhooks (no WebSocket surface). Requests support idempotency via the `Idempotency-Key` header. This is a representative, not exhaustive, subset of the full API.
  version: 0.0.1
  contact:
    name: Increase
    url: https://increase.com
  license:
    name: Increase Documentation
    url: https://increase.com/documentation
servers:
- url: https://api.increase.com
  description: Production
- url: https://sandbox.increase.com
  description: Sandbox
security:
- bearerAuth: []
tags:
- name: ACH Transfers
  description: FedACH credit and debit transfers, inbound and outbound.
paths:
  /ach_transfers:
    get:
      operationId: listACHTransfers
      tags:
      - ACH Transfers
      summary: List ACH Transfers
      parameters:
      - $ref: '#/components/parameters/Cursor'
      - $ref: '#/components/parameters/Limit'
      responses:
        '200':
          description: A list of ACH Transfers.
          content:
            application/json:
              schema:
                type: object
                properties:
                  data:
                    type: array
                    items:
                      $ref: '#/components/schemas/ACHTransfer'
    post:
      operationId: createACHTransfer
      tags:
      - ACH Transfers
      summary: Create an ACH Transfer
      requestBody:
        required: true
        content:
          application/json:
            schema:
              type: object
              required:
              - account_id
              - amount
              - statement_descriptor
              properties:
                account_id:
                  type: string
                amount:
                  type: integer
                  description: Cents. Positive credits the destination
                  negative debits it.: null
                statement_descriptor:
                  type: string
                account_number:
                  type: string
                routing_number:
                  type: string
                external_account_id:
                  type: string
                funding:
                  type: string
                  enum:
                  - checking
                  - savings
      responses:
        '200':
          description: The created ACH Transfer.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ACHTransfer'
  /ach_transfers/{ach_transfer_id}:
    parameters:
    - name: ach_transfer_id
      in: path
      required: true
      schema:
        type: string
    get:
      operationId: retrieveACHTransfer
      tags:
      - ACH Transfers
      summary: Retrieve an ACH Transfer
      responses:
        '200':
          description: The ACH Transfer.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ACHTransfer'
  /ach_transfers/{ach_transfer_id}/approve:
    parameters:
    - name: ach_transfer_id
      in: path
      required: true
      schema:
        type: string
    post:
      operationId: approveACHTransfer
      tags:
      - ACH Transfers
      summary: Approve an ACH Transfer
      responses:
        '200':
          description: The approved ACH Transfer.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ACHTransfer'
  /ach_transfers/{ach_transfer_id}/cancel:
    parameters:
    - name: ach_transfer_id
      in: path
      required: true
      schema:
        type: string
    post:
      operationId: cancelACHTransfer
      tags:
      - ACH Transfers
      summary: Cancel a pending ACH Transfer
      responses:
        '200':
          description: The canceled ACH Transfer.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ACHTransfer'
  /inbound_ach_transfers/{inbound_ach_transfer_id}/decline:
    parameters:
    - name: inbound_ach_transfer_id
      in: path
      required: true
      schema:
        type: string
    post:
      operationId: declineInboundACHTransfer
      tags:
      - ACH Transfers
      summary: Decline an Inbound ACH Transfer
      responses:
        '200':
          description: The declined Inbound ACH Transfer.
          content:
            application/json:
              schema:
                type: object
                additionalProperties: true
  /ach_prenotifications:
    post:
      operationId: createACHPrenotification
      tags:
      - ACH Transfers
      summary: Create an ACH Prenotification
      requestBody:
        required: true
        content:
          application/json:
            schema:
              type: object
              required:
              - account_id
              - account_number
              - routing_number
              properties:
                account_id:
                  type: string
                account_number:
                  type: string
                routing_number:
                  type: string
      responses:
        '200':
          description: The created ACH Prenotification.
          content:
            application/json:
              schema:
                type: object
                additionalProperties: true
components:
  parameters:
    Limit:
      name: limit
      in: query
      required: false
      description: Number of results to return per page (1-100, default 100).
      schema:
        type: integer
        default: 100
        minimum: 1
        maximum: 100
    Cursor:
      name: cursor
      in: query
      required: false
      description: Return the page of results starting after this cursor.
      schema:
        type: string
  schemas:
    ACHTransfer:
      type: object
      properties:
        id:
          type: string
        account_id:
          type: string
        amount:
          type: integer
        currency:
          type: string
          example: USD
        statement_descriptor:
          type: string
        status:
          type: string
          enum:
          - pending_approval
          - pending_submission
          - submitted
          - returned
          - rejected
          - canceled
        routing_number:
          type: string
          nullable: true
        type:
          type: string
          example: ach_transfer
  securitySchemes:
    bearerAuth:
      type: http
      scheme: bearer
      description: 'Increase API key passed as `Authorization: Bearer YOUR_API_KEY`. Keys are environment-scoped (production vs sandbox). OAuth is also supported for platform / Increase-for-platforms integrations.'