ACH Payments
Full control over FedACH
Originate ACH credits and debits, track and initiate returns, and store frequently accessed details.
Same-day by default
Send ACH payments that settle in as little as a few hours.
Unlimited account numbers
Automate reconciliation with unique account numbers for every counterparty.
Faster access to funds
Instantly access debited funds when you maintain a reserve account.
Transparent funds availability
Know precisely when your transfers are submitted and available.
Passthrough codes
View return codes and standard entry class codes directly.
Correlated returns
Returns are automatically and reliably correlated.
Stable company identifiers
Easily create reliable statement descriptors.
Saved counterparties
Save external account details for repeat payments.
Stable and reliable
Predictably fast ACH payments
ACH payments can feel like a black box. They can take several business days to complete and it’s unclear when funds will be available.
We offer same-day ACH, submit at every Fed window, and provide robust settlement tracking. This means that your payments can arrive in less than 24 hours—often even quicker.
Send same-day ACH
Submissions at every ACH window
Transparent settlement tracking
ACH windows
Complete control
Preview every inbound payment
Increase lets you preview incoming ACH transfers for one hour before allocating them. This gives you flexibility to reject unwanted debits or fund accounts just-in-time. For advanced use cases, create your own allow or disallow lists and write specialized rules or limits.
Just-in-time funding
Custom allow and disallow lists
Auto-reject unwanted transfers
ACH payment funds flow
await increase.achTransfers.create({
  account_id: 'account_in71c4amph0vgo2qllky',
  amount: 1000,
  currency: 'USD',
  individual_name: 'Ian Crease',
  account_number: '987654321',
  routing_number: '101050001',
  company_entry_description: 'July Consulting',
  company_discretionary_data: 'ACME Corp',
});
Bare-metal APIs
Every detail directly from FedACH
Raw return codes
return_reason_code
Understand the specific reason for a returned payment with these 80+ codes.
Trace identifiers
trace_number
Provide a recipient with proof that a payment has been sent.
Company identifiers
company_name
Craft predictable statement descriptors for recipients.
Addenda
addendum
Attach remittance information such as an invoice number.
Standard entry class codes
standard_entry_class_code
Declare the kind of payments you’re sending with this three-character code, like a direct deposit or bill payment (PPD).
Operator workflows
Always know where your money is
Track the status of ACH payments directly from the Increase dashboard. View which transactions are awaiting submission, preview when funds will arrive, and monitor returns.
ACH trace numbers
FedACH for developers
Create a transfer
Initiate a return
Reject an inbound transfer
Save a frequently accessed account
await increase.achTransfers.create({    
  amount: 10000,
  account_id: "account_in71c4amph0vgo2qllky",    
  routing_number: "101050001",
  account_number: "987654321",
  individual_name: "Ian Crease",
  statement_descriptor: "July Consulting"
  company_name: "ACME Corp",
});
Programmatically create ACH debits and credits.
We default to same-day ACH and hit every window.
Returns are correlated automatically.
Webhooks keep you up-to-date on the transfer lifecycle.
Learn how Nacha works
ACH uses a file format called Nacha. Learn more about what’s in each file and what you can customize.
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Banking for builders
Everything you need and nothing you don't
Direct connections to the networks for money movement. Bank accounts that open instantly. Unopinionated building blocks that don't force you into legacy patterns.
ACH Payments
Originate ACH credits and debits, validate account numbers with pre-notifications and store commonly accessed details.
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Bank Accounts
Flexible account constructs with unlimited account numbers.
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Cards
Issue custom cards to your customers. Approve authorizations in real-time and configure your own limits.
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Checks
Send branded checks anywhere in the world with one API call. Or deposit checks via API or the dashboard.
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Wires
The original instantaneous money transfer. Send money anywhere, anytime Fedwire is open.
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Real-Time Payments
Transmit money to accounts at most major banks in seconds, not days.
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FedNow
The Federal Reserve’s newest payment method. Quickly move money 24/7/365 with any participating bank.
Coming soon
Read our documentation
Learn more
Increase is not a bank. Banking products and services are offered by Grasshopper Bank, N.A., Member FDIC and First Internet Bank of Indiana, Member FDIC. Cards Issued by First Internet Bank of Indiana, pursuant to a license from Visa Inc. Deposits are insured by the FDIC up to the maximum allowed by law through Grasshopper Bank, N.A., Member FDIC and First Internet Bank of Indiana, Member FDIC. FDIC deposit insurance only covers the failure of the FDIC insured bank.