API Reference — Increase

Real-Time Payments transfers move funds, within seconds, between your Increase account and any other account on the Real-Time Payments network. A request for payment is a request to the receiver to send funds to your account. The permitted uses of Requests For Payment are limited by the Real-Time Payments network to business-to-business payments and transfers between two accounts at different banks owned by the same individual. Please contact support@increase.com to enable this API for your team.

The Real-Time Payments Request for Payment object

{
  "amount": 100,
  "created_at": "2020-01-31T23:59:59Z",
  "currency": "USD",
  "debtor": {
    "address": {
      "city": "New York",
      "country": "US",
      "post_code": "10045",
      "street_name": "33 Liberty Street"
    },
    "name": "Ian Crease"
  },
  "debtor_name": "Ian Crease",
  "destination_account_number_id": "account_number_v18nkfqm6afpsrvy82b2",
  "expires_at": "2026-12-31",
  "fulfillment_transaction_id": null,
  "id": "real_time_payments_request_for_payment_28kcliz1oevcnqyn9qp7",
  "idempotency_key": null,
  "refusal": null,
  "rejection": null,
  "remittance_information": "Invoice 29582",
  "source_account_number": "987654321",
  "source_routing_number": "101050001",
  "status": "pending_response",
  "submission": null,
  "type": "real_time_payments_request_for_payment"
}

Attributes

amount

integer

The transfer amount in USD cents.

created_at

string

The ISO 8601 date and time at which the request for payment was created.

currency

enum

The ISO 4217 code for the transfer’s currency. For real-time payments transfers this is always equal to USD.

debtor

dictionary

Details of the person being requested to pay.

destination_account_number_id

string

The Account Number in which a successful transfer will arrive.

More about Account Numbers.

expires_at

string

The expiration time for this request, in UTC. The requestee will not be able to pay after this date.

fulfillment_transaction_id

string

Nullable

The transaction that fulfilled this request.

string

The Real-Time Payments Request for Payment’s identifier.

idempotency_key

string

Nullable

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.

refusal

dictionary

Nullable

If the request for payment is refused by the destination financial institution or the receiving customer, this will contain supplemental details.

rejection

dictionary

Nullable

If the request for payment is rejected by Real-Time Payments or the destination financial institution, this will contain supplemental details.

remittance_information

string

Unstructured information that will show on the recipient’s bank statement.

source_account_number

string

The account number the request is sent to.

source_routing_number

string

The receiver’s American Bankers’ Association (ABA) Routing Transit Number (RTN).

status

enum

The lifecycle status of the request for payment.

submission

dictionary

Nullable

After the request for payment is submitted to Real-Time Payments, this will contain supplemental details.

type

string

A constant representing the object’s type. For this resource it will always be real_time_payments_request_for_payment.

List Real-Time Payments Request for Payments

curl \
  --url "${INCREASE_URL}/real_time_payments_request_for_payments?account_id=account_in71c4amph0vgo2qllky" \
  -H "Authorization: Bearer ${INCREASE_API_KEY}"

Parameters

cursor

string

Return the page of entries after this one.

limit

integer

Limit the size of the list that is returned. The default (and maximum) is 100 objects.

account_id

string

Filter Real-Time Payments Request for Payments to those destined to the specified Account.

More about Accounts.

created_at.after

string

Return results after this ISO 8601 timestamp.

created_at.before

string

Return results before this ISO 8601 timestamp.

created_at.on_or_after

string

Return results on or after this ISO 8601 timestamp.

created_at.on_or_before

string

Return results on or before this ISO 8601 timestamp.

idempotency_key

string

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.

200 character maximum

Create a Real-Time Payments Request for Payment

curl -X "POST" \
  --url "${INCREASE_URL}/real_time_payments_request_for_payments" \
  -H "Authorization: Bearer ${INCREASE_API_KEY}" \
  -H "Content-Type: application/json" \
  -d $'{
    "amount": 100,
    "debtor": {
      "address": {
        "country": "US",
        "street_name": "Liberty Street"
      },
      "name": "Ian Crease"
    },
    "destination_account_number_id": "account_number_v18nkfqm6afpsrvy82b2",
    "expires_at": "2026-12-31",
    "remittance_information": "Invoice 29582",
    "source_account_number": "987654321",
    "source_routing_number": "101050001"
  }'

Parameters

amount

integer

Required

The requested amount in USD cents. Must be positive.

debtor

dictionary

Required

Details of the person being requested to pay.

destination_account_number_id

string

Required

The identifier of the Account Number where the funds will land.

More about Account Numbers.

expires_at

string

Required

The expiration time for this request, in UTC. The requestee will not be able to pay after this date.

remittance_information

string

Required

Unstructured information that will show on the requestee’s bank statement.

140 character maximum

source_account_number

string

Required

The account number the funds will be requested from.

34 character maximum

source_routing_number

string

Required

The requestee’s American Bankers’ Association (ABA) Routing Transit Number (RTN).

9 character maximum

Retrieve a Real-Time Payments Request for Payment

curl \
  --url "${INCREASE_URL}/real_time_payments_request_for_payments/real_time_payments_transfer_iyuhl5kdn7ssmup83mvq" \
  -H "Authorization: Bearer ${INCREASE_API_KEY}"

Parameters

request_for_payment_id

string

Required

The identifier of the Real-Time Payments Request for Payment.

More about Real-Time Payments Request for Payments.