ACH transfers move funds between your Increase account and any other account accessible by the Automated Clearing House (ACH).
The Account to which the transfer belongs.
The destination account number.
After the transfer is acknowledged by FedACH, this will contain supplemental details. The Federal Reserve sends an acknowledgement message for each file that Increase submits.
Additional information that will be sent to the recipient.
The transfer amount in USD cents. A positive amount indicates a credit transfer pushing funds to the receiving account. A negative amount indicates a debit transfer pulling funds from the receiving account.
If your account requires approvals for transfers and the transfer was approved, this will contain details of the approval.
If your account requires approvals for transfers and the transfer was not approved, this will contain details of the cancellation.
The description of the date of the transfer.
The data you chose to associate with the transfer.
The description of the transfer you set to be shown to the recipient.
The company ID associated with the transfer.
The name by which the recipient knows you.
The ISO 8601 date and time at which the transfer was created.
What object created the transfer, either via the API or the dashboard.
The ISO 4217 code for the transfer's currency. For ACH transfers this is always equal to usd.
The type of entity that owns the account to which the ACH Transfer is being sent.
The identifier of the External Account the transfer was made to, if any.
The type of the account to which the transfer will be sent.
The ACH transfer's identifier.
The idempotency key you chose for this object. This value is unique across Increase and is used to ensure that a request is only processed once. Learn more about idempotency.
Increase will sometimes hold the funds for ACH debit transfers. If funds are held, this sub-object will contain details of the hold.
Your identifier for the transfer recipient.
The name of the transfer recipient. This value is information and not verified by the recipient's bank.
The transfer's network.
If the receiving bank accepts the transfer but notifies that future transfers should use different details, this will contain those details.
The ID for the pending transaction representing the transfer. A pending transaction is created when the transfer requires approval by someone else in your organization.
Configuration for how the effective date of the transfer will be set. This determines same-day vs future-dated settlement timing. If not set, defaults to a settlement_schedule of same_day. If set, exactly one of the child attributes must be set.
If your transfer is returned, this will contain details of the return.
The American Bankers' Association (ABA) Routing Transit Number (RTN).
A subhash containing information about when and how the transfer settled at the Federal Reserve.
The Standard Entry Class (SEC) code to use for the transfer.
The descriptor that will show on the recipient's bank statement.
The lifecycle status of the transfer.
After the transfer is submitted to FedACH, this will contain supplemental details. Increase batches transfers and submits a file to the Federal Reserve roughly every 30 minutes. The Federal Reserve processes ACH transfers during weekdays according to their posted schedule.
The ID for the transaction funding the transfer.
A constant representing the object's type. For this resource it will always be ach_transfer.
Return the page of entries after this one.
Limit the size of the list that is returned. The default (and maximum) is 100 objects.
Filter ACH Transfers to those that originated from the specified Account.
Filter ACH Transfers to those made to the specified External Account.
Filter records to the one with the specified idempotency_key you chose for that object. This value is unique across Increase and is used to ensure that a request is only processed once. Learn more about idempotency.
Return results whose value is in the provided list. For GET requests, this should be encoded as a comma-delimited string, such as ?in=one,two,three.
Return results after this ISO 8601 timestamp.
Return results before this ISO 8601 timestamp.
Return results on or after this ISO 8601 timestamp.
Return results on or before this ISO 8601 timestamp.
The Increase identifier for the account that will send the transfer.
The account number for the destination account.
Additional information that will be sent to the recipient. This is included in the transfer data sent to the receiving bank.
The transfer amount in USD cents. A positive amount originates a credit transfer pushing funds to the receiving account. A negative amount originates a debit transfer pulling funds from the receiving account.
The description of the date of the transfer, usually in the format YYMMDD. This is included in the transfer data sent to the receiving bank.
The data you choose to associate with the transfer. This is included in the transfer data sent to the receiving bank.
A description of the transfer. This is included in the transfer data sent to the receiving bank.
The name by which the recipient knows you. This is included in the transfer data sent to the receiving bank.
The type of entity that owns the account to which the ACH Transfer is being sent.
The ID of an External Account to initiate a transfer to. If this parameter is provided, account_number, routing_number, and funding must be absent.
The type of the account to which the transfer will be sent.
Your identifier for the transfer recipient.
The name of the transfer recipient. This value is informational and not verified by the recipient's bank.
Configuration for how the effective date of the transfer will be set. This determines same-day vs future-dated settlement timing. If not set, defaults to a settlement_schedule of same_day. If set, exactly one of the child attributes must be set.
Whether the transfer requires explicit approval via the dashboard or API.
The American Bankers' Association (ABA) Routing Transit Number (RTN) for the destination account.
The Standard Entry Class (SEC) code to use for the transfer.
A description you choose to give the transfer. This will be saved with the transfer details, displayed in the dashboard, and returned by the API. If individual_name and company_name are not explicitly set by this API, the statement_descriptor will be sent in those fields to the receiving bank to help the customer recognize the transfer. You are highly encouraged to pass individual_name and company_name instead of relying on this fallback.
The timing of the transaction.
The identifier of the ACH Transfer.
Approves an ACH Transfer in a pending_approval state.
The identifier of the ACH Transfer to approve.
Cancels an ACH Transfer in a pending_approval state.
The identifier of the pending ACH Transfer to cancel.
Simulates the acknowledgement of an ACH Transfer by the Federal Reserve. This transfer must first have a status of submitted . In production, the Federal Reserve generally acknowledges submitted ACH files within 30 minutes. Since sandbox ACH Transfers are not submitted to the Federal Reserve, this endpoint allows you to skip that delay and add the acknowledgment subresource to the ACH Transfer.
The identifier of the ACH Transfer you wish to become acknowledged.
Simulates receiving a Notification of Change for an ACH Transfer.
The identifier of the ACH Transfer you wish to create a notification of change for.
The reason for the notification of change.
The corrected data for the notification of change (e.g., a new routing number).
Simulates the return of an ACH Transfer by the Federal Reserve due to an error condition. This will also create a Transaction to account for the returned funds. This transfer must first have a status of submitted.
The identifier of the ACH Transfer you wish to return.
The reason why the Federal Reserve or destination bank returned this transfer. Defaults to no_account.
Simulates the settlement of an ACH Transfer by the Federal Reserve. This transfer must first have a status of pending_submission or submitted. For convenience, if the transfer is in status: pending_submission, the simulation will also submit the transfer. Without this simulation the transfer will eventually settle on its own following the same Federal Reserve timeline as in production.
The identifier of the ACH Transfer you wish to become settled.
Simulates the submission of an ACH Transfer to the Federal Reserve. This transfer must first have a status of pending_approval or pending_submission. In production, Increase submits ACH Transfers to the Federal Reserve three times per day on weekdays. Since sandbox ACH Transfers are not submitted to the Federal Reserve, this endpoint allows you to skip that delay and transition the ACH Transfer to a status of submitted.
The identifier of the ACH Transfer you wish to submit.