# Increase Documentation ## Products ### Cards - [3D Secure](https://increase.com/documentation/3d-secure.md): 3D Secure (3DS) is a protocol that lets you authenticate cardholders before a payment is authorized. Increase supports 3DS with real-time decisions for authentication and challenge delivery, plus sandbox simulations for testing. - [Address Verification System codes and overrides](https://increase.com/documentation/address-verification-system-codes-and-overrides.md): Explains Increase’s default Address Verification System (AVS) code determination logic, how address matching is performed, how Visa has simplified AVS codes, and how customer-provided AVS match/no match overrides interact with network-provided data. - [ATM withdrawals](https://increase.com/documentation/atm-withdrawals.md): Learn how ATM withdrawals are represented in the Card Payments API, how they finalize, and how single-message and dual-message processing differ. - [Physical cards](https://increase.com/documentation/card-art-physical-cards.md): Increase can manufacture and mail custom Visa cards. - [Digital wallets](https://increase.com/documentation/card-art.md): Increase's cards can be added to digital wallet apps like Google Pay and Apple Pay. Learn more about how to set up digital wallets. - [Card disputes](https://increase.com/documentation/card-disputes.md): Learn more about how disputes of Card Payments work - [Card payment lifecycle](https://increase.com/documentation/card-payment-lifecycle.md): Learn more about the lifecycle of a Card Payment. - [Embedded card component](https://increase.com/documentation/embedded-card-component.md): Set up a card component - [Push provisioning](https://increase.com/documentation/push-provisioning.md): Learn more about how to implement push provisioning to digital wallets for cards - [Real-time decisions](https://increase.com/documentation/real-time-decisions.md): Occasionally Increase needs to know what action to take on a user-initiated request in real time. The canonical example of this is when a user tries to use their card and Increase has to decide to approve the authorization or not. When this happens, we’ll create a Real-Time Decision object in the API and send you a special real-time webhook. - [Overview of Visa](https://increase.com/documentation/visa.md): Visa is the largest payment card network in the US with a wide range of functionality including debit, credit, push-to-card, bank-to-bank communication, and more. Learn more about how Visa works and pitfalls to avoid. ### Accounts - [Accounts and Account Numbers](https://increase.com/documentation/accounts-and-account-numbers.md): Increase's core enables banks to separate the concept of an Account from an Account Number. This allows for a many-to-one mapping, providing much greater flexibility for new use cases. - [Extended deposit insurance](https://increase.com/documentation/extended-deposit-insurance.md): Access multi-million-dollar FDIC insurance at participating IntraFi network banks directly in Increase. - [External Accounts](https://increase.com/documentation/external-accounts.md): Learn how to use External Accounts to store account details at other banks for reuse across transfers. - [Loan Accounts](https://increase.com/documentation/loan-accounts.md): Loan accounts on Increase allow banks to extend credit facilities, with support for credit limits, statements, and loan applications. ### ACH - [ACH returns](https://increase.com/documentation/ach-returns.md): Learn more about ACH returns, when you can reinitiate returned transfers, and view a comprehensive list of return reason codes. - [ACH reversals](https://increase.com/documentation/ach-reversals.md): Learn more about ACH reversals, when they're allowed, and how you can initiate them. - [Standard Entry Class codes](https://increase.com/documentation/ach-standard-entry-class-codes.md): View a glossary of every Standard Entry Class (SEC) code, a required field used to classify ACH transfers by their purpose or intended use. - [Overview of FedACH](https://increase.com/documentation/fedach.md): Automated Clearing House (ACH) is the dominant low-value transfer mechanism in the US. Learn more about how ACH works and pitfalls to avoid. - [Receiving ACH transfers](https://increase.com/documentation/receiving-ach-transfers.md): When an Inbound ACH Transfer is created or updated, your application can receive a webhook Event. You can use these Events to automatically decline or return the Inbound ACH Transfer as needed. - [Debits and funds holds](https://increase.com/documentation/sending-ach-debit-transfers.md): Learn more about ACH debits, how debit funds holds are created, why they‘re important, and when you can avoid them. - [Sending ACH transfers](https://increase.com/documentation/sending-ach-transfers.md): Learn more about the lifecycle of an ACH Transfer. ### Card Transfers - [Card push transfers integration](https://increase.com/documentation/card-transfers-integration.md) - [Overview of card push transfers](https://increase.com/documentation/card-transfers-overview.md): Card Push Transfers move funds between your Increase account and an eligible Visa or Mastercard payment card within seconds. The funds are available instantly on the recipient’s end. ### Checks - [Overview of Check 21](https://increase.com/documentation/check-21.md): Check 21 is the Federal Reserve’s electronic check clearing service. Learn more about how Check 21 works and pitfalls to avoid. - [Depositing checks](https://increase.com/documentation/check-deposits.md): Learn more about the lifecycle of a Check Deposit. - [Lockboxes](https://increase.com/documentation/lockboxes.md): Learn more about using Lockboxes to deposit checks received via mail. - [Originating checks](https://increase.com/documentation/originating-checks.md): Learn more about the lifecycle of a Check Transfer and how to originate physical checks. - [Positive pay](https://increase.com/documentation/positive-pay.md): Learn more about how Increase protects your checks from theft and fraud. ### Wires - [Overview of Fedwire](https://increase.com/documentation/fedwire.md): Fedwire is the dominant high-value transfer mechanism in the US and is the Federal Reserve’s real-time gross settlement network. Learn more about how Fedwire works and pitfalls to avoid. - [Receiving wire transfers](https://increase.com/documentation/receiving-wire-transfers.md): Learn more about the lifecycle of an Inbound Wire Transfer. - [Sending wire transfers](https://increase.com/documentation/sending-wire-transfers.md): Learn more about the lifecycle of a Wire Transfer. - [Wire drawdown requests](https://increase.com/documentation/wire-drawdown-requests.md): Learn more about wire drawdown requests and how you can use them. - [Wire reversals](https://increase.com/documentation/wire-reversals.md): Learn more about wire reversals, when they're allowed, and how you can initiate them. ### Real-Time Payments - [Real-Time Payments account validation](https://increase.com/documentation/real-time-payments-validation.md): Validate account access and reachability using Real-Time Payments. - [Overview of Real-Time Payments](https://increase.com/documentation/real-time-payments.md): Real-Time Payments is an instant payment service developed by The Clearing House. It reaches roughly 71% of US depository accounts. Learn more about how Real-Time Payments work and pitfalls to avoid. - [Receiving Real-Time Payments](https://increase.com/documentation/receiving-real-time-payments.md): Learn more about receiving Real-Time Payments. - [Sending Real-Time Payments](https://increase.com/documentation/sending-real-time-payments.md): Learn more about the lifecycle of a Real-Time Payments Transfer. ## Overview ### Tutorials - [Accounting](https://increase.com/documentation/accounting.md): A guide to implementing accounting for commingled accounts held by For Benefit Of (FBO) account users. - [Building a bill pay program](https://increase.com/documentation/bill-payment-programs.md): Learn more about what goes into building a bill pay program with Increase. - [Connecting to QuickBooks and Plaid](https://increase.com/documentation/integrations.md): Learn how to pull data from Increase using Exports, QuickBooks, and Plaid integrations. Step-by-step instructions for connecting accounts and revoking third-party access via the Increase Dashboard. - [Launching a card program](https://increase.com/documentation/launch-a-card-program.md): Build and scale your card issuing program in 2026 with speed, precision and control. Integrate low-level APIs for real-time authorizations, custom controls, & unified money movement. - [Programmatic card processing](https://increase.com/documentation/programmatic-card-processing.md): Increase directly connects to the Visa Direct Exchange network, ensuring highly available processing of card transactions with no layers in-between Increase and Visa. You can start creating virtual and physical Increase cards as soon as you sign up. Each card is backed by the balance of its underlying account. By default, all valid card authorizations are approved as long as the underlying balance of the card’s account is sufficient. For more complicated use cases, where you would like granular control over which authorizations are approved and which are declined, we’ll send you a webhook and let you decide. - [Setting up ACH debits](https://increase.com/documentation/setting-up-ach-debits.md): Increase directly connects to the Visa Direct Exchange network, ensuring highly available processing of card transactions with no layers in-between Increase and Visa. You can start creating virtual and physical Increase cards as soon as you sign up. Each card is backed by the balance of its underlying account. By default, all valid card authorizations are approved as long as the underlying balance of the card’s account is sufficient. For more complicated use cases, where you would like granular control over which authorizations are approved and which are declined, we’ll send you a webhook and let you decide. ### Using the API - [Backwards compatibility](https://increase.com/documentation/backwards-compatibility.md): The Increase API is currently unversioned, meaning we'll never make backwards-incompatible changes such as removing a field from the API without reaching out to you first. - [Data dictionary](https://increase.com/documentation/data-dictionary.md): Increase's API documentation references several repeated concepts like dates, currencies, and countries. Read definitions for those concepts. - [Errors](https://increase.com/documentation/errors.md): Increase returns errors as JSON objects following the RFC 9457 Problem Details format. Every error includes a machine-readable type, an HTTP status, a human-readable title, and an optional detail. - [Idempotency keys](https://increase.com/documentation/idempotency-keys.md): Increase's APIs support idempotency via the Idempotency-Key HTTP header. This can be used to safely retry requests without accidentally performing the same operation twice. - [OAuth](https://increase.com/documentation/oauth.md): If you're building an application for others to use with their Increase accounts, our API supports OAuth 2.0. Learn more about creating an OAuth application. - [Reliability](https://increase.com/documentation/reliability.md): You rely on us as a critical service provider. This guide is to be transparent about how seriously we take that responsibility. - [Software Development Kits](https://increase.com/documentation/software-development-kits.md): Increase's API can be accessed via SDKs for several popular languages including Python, Node, Ruby, Go, Java, Kotlin, and C# / .NET. - [Events and webhooks](https://increase.com/documentation/webhooks.md): When something interesting happens on your Increase account, such as a new Transaction being created, Increase can reach out to your application so that you can take action automatically. ### Concepts - [Account balances](https://increase.com/documentation/balance.md): Increase’s APIs track the balance of your account in real-time. - [Exports](https://increase.com/documentation/exports.md): Exports allow you to generate and download files from your Increase account, including data reports and documents like verification letters and tax forms. - [Interest and referral bonus](https://increase.com/documentation/interest-and-referral-bonus.md) - [Programs](https://increase.com/documentation/programs.md): Programs determine the compliance and commercial terms of Accounts. - [Roles and permissions](https://increase.com/documentation/roles.md): Learn more about the different levels of authorizations and permissions you can attribute to your team members within Increase. - [Transactions and Transfers](https://increase.com/documentation/transactions-transfers.md): Increase’s APIs separate the concepts of Transactions and Transfers. This guide will help you understand their distinctions and how to use them successfully. - [Transfer approvals](https://increase.com/documentation/transfer-approvals.md) ### Compliance - [Bookkeeping](https://increase.com/documentation/bookkeeping.md): Use Bookkeeping to track customer balances and manage your chart of Accounts. - [Compliance overview](https://increase.com/documentation/compliance-overview.md): An overview of compliance at Increase, covering the building blocks, key concepts, and how compliance responsibilities are structured. - [Compliance programs](https://increase.com/documentation/compliance-programs.md): Compliance responsibilities depend on your Program and bank relationship. Learn how the supervised and managed compliance models work. - [Customized compliance](https://increase.com/documentation/customized-compliance.md): Under customized compliance, you maintain your own compliance program. Learn what we collect at onboarding and how ongoing supervision and reviews work. - [Entities](https://increase.com/documentation/entities.md): Use entities to track accountholders and beneficiaries - [Entity validation](https://increase.com/documentation/entity-validation.md): Learn how Increase validates entity information and how to resolve validation issues - [Hosted onboarding](https://increase.com/documentation/hosted-onboarding.md): Using Increase's onboarding flows for your customers. - [Information security](https://increase.com/documentation/information-security.md): Learn more about the required policies and procedures for setting up a platform banking Program. - [Managed compliance](https://increase.com/documentation/managed-compliance.md): In a managed compliance program, the bank conducts key compliance functions directly on your customers. Learn what that means for onboarding and ongoing operations. - [Platform implementation guide](https://increase.com/documentation/platform-implementation.md): If you’re moving your customer’s money, you likely already know about some of the compliance requirements. This guide addresses how to implement a few of these requirements. ### Sandbox - [Sandbox test values](https://increase.com/documentation/sandbox-test-values.md): Increase's sandbox provides a test area for financial products. - [Sandbox](https://increase.com/documentation/sandbox.md): Increase's sandbox provides a test area for financial products. ## developers - [Embedded Referral](https://increase.com/documentation/embedded-referral.md): Setting up an embedded referral program with Increase. - [Transfer unique identifiers](https://increase.com/documentation/unique_identifiers.md): Increase's money movement APIs include an optional creation parameter called unique_identifier. This can be used to associate a Transfer with a specific Invoice, Order, or Payment.