ACH
ACH payments as unique as your business
Originate ACH credits and debits, track and initiate returns, and store frequently accessed details.
Unlimited account numbers
Stay organized and protect your account details with unique account numbers for every counterparty.
Same-day by default
We default to same-day ACH processing and hit every window.
Sensible return correlation
We pass unique trace identifiers with every transaction to identify returns effectively.
Stable company identifiers
We expose company identifiers: no more complicated matching rules for statement descriptors.
Transparent funds availability
Know precisely when your transfers are submitted to the Federal Reserve and when your funds will be available.
Passthrough codes
We pass return codes and standard entry class codes directly: no new ontologies or mappings.
Approval flows and limits
Approval flows let you review payments before sending. Programmable limits can prevent unwanted debits.
Addenda
Non-financial messages like child-support payments or tax authority identifiers are visible alongside transfers in the API.
Same-day ACH is
open
Next window in 06:13:47
A window of opportunity
Payroll needs to go out on time. We default to same-day ACH and hit every window. Our direct integration to the Federal Reserve means that you can submit transfers right down to the wire.
Full control of FedACH
Programmatically create ACH debits and credits. Pro tip: use unique account numbers for every counterparty to simplify reconciliation.
curl -X "POST" \ --url "${INCREASE_URL}/ach_transfers" \ -H "Authorization: Bearer ${INCREASE_API_KEY}" \ -d $'{ "account_id": "account_in71c4amph0vgo2qllky", "account_number": "987654321", "amount": 100, "routing_number": "101050001", "statement_descriptor": "New ACH transfer" }'
Intuitive and predictable funds flows
  • You initiate a ACH transfer from the API via a call to /ach/transfers.
    The transfer is pending_submission.
  • We send you an ach_transfer.created webhook. The transfer is still pending_submission.
  • The Federal Reserve ACH window opens.
    We default to same-day ACH and hit every window.
  • We send you an ach_transfer.updated webhook. The transfer is now submitted.
{ "account_id": "account_in71c4amph0vgo2qllky", "account_number": "987654321", "amount": 100, "currency": "USD", "created_at": "2020-01-31T23:59:59Z", "id": "ach_transfer_uoxatyh3lt5evrsdvo7q", "network": "ach", "return": null, "routing_number": "101050001", "statement_descriptor": "Statement descriptor", "status": "pending_submission", "submission": null, "transaction_id": null, "company_descriptive_date": null, "company_discretionary_data": null, "company_entry_description": null, "company_name": "National Phonograph Company", "funding": "checking", "individual_id": null, "individual_name": "Ian Crease", "standard_entry_class_code": "corporate_credit_or_debit", "type": "ach_transfer" }
{ "account_id": "account_in71c4amph0vgo2qllky", "account_number": "987654321", "amount": 100, "currency": "USD", "created_at": "2020-01-31T23:59:59Z", "id": "ach_transfer_uoxatyh3lt5evrsdvo7q", "network": "ach", "return": null, "routing_number": "101050001", "statement_descriptor": "Statement descriptor", "status": "pending_submission", "submission": null, "transaction_id": null, "company_descriptive_date": null, "company_discretionary_data": null, "company_entry_description": null, "company_name": "National Phonograph Company", "funding": "checking", "individual_id": null, "individual_name": "Ian Crease", "standard_entry_class_code": "corporate_credit_or_debit", "type": "ach_transfer" }
Modern Treasury
Increase has been an invaluable banking partner to Modern Treasury. They support innovative, fast growing customers looking for high quality banking technology, and get our mutual customers moving money quickly. They understand the importance of speed to market and provide the right tools for building financial products.
Dimitri Dadiomov
CEO, Modern Treasury

Bank accounts and banking services are provided by Increase’s partner banks, members FDIC.