Card Programs
Card programs, programmatically
Issue customized cards that show off your brand. Approve authorization requests in real-time, or configure limits in the dashboard. Increase is a certified issuer processor and can handle all your issuing needs.
Real-time authorizations
Respond to authorization requests in real-time from your own servers for complete control.Digital wallets
Add cards to digital wallets like Google Pay or Apple Wallet. Upload artwork and customize card appearance to match your brand.Instantly available
Create as many cards as you want. They are available to use the second they're created.Disputes
Fully control dispute submissions to the network, via the dashboard or API. Webhooks keep you up to date on case progression.Enhanced purchase data
Get detailed information including L2, L3, rental car and flight data on card transactions.Fine-grained control
Programmatic control over address verification service (AVS) responses.Interchange
Earn interchange on card spend with qualifying volumes.Physical cards coming soon
Ship physical cards to your customers, customized with your brand.Build a complete card program
Increase Cards are Visa Commercial credit cards.
- Work for online purchases immediately.
- Create unlimited card numbers.
- Commercial cards have high interchange potential.
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curl -X "POST" \
--url "${INCREASE_URL}/cards" \
-H "Authorization: Bearer ${INCREASE_API_KEY}" \
-d $'{
"account_id": "account_in71c4amph0vgo2qllky",
"description": "Card for Ian Crease"
}'
Real-Time Decisions are created when your application needs to take action in real-time to some event such as a card authorization.
- Maximum control over the authorization flow.
- Own the ledger yourself.
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curl -X "POST" \
--url "${INCREASE_URL}/real_time_decisions/real_time_decision_j76n2e810ezcg3zh5qtn/action" \
-H "Authorization: Bearer ${INCREASE_API_KEY}" \
-d $'{
"card_authorization": {
"decision": "approve"
}
}'
Set up the artwork and metadata shown when cards appear in digital wallet apps like Apple Pay and Google Pay.
- Brand card name, icon, colors.
- Custom card art.
- Optional control over verification flow for maximum customization.
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curl -X "POST" \
--url "${INCREASE_URL}/card_profiles" \
-H "Authorization: Bearer ${INCREASE_API_KEY}" \
-d $'{
"digital_wallets": {
"issuer_name": "MyBank",
"card_description": "MyBank Signature Card",
"contact_email": "user@example.com",
"background_image_file_id": "file_1ai913suu1zfn1pdetru",
"app_icon_file_id": "file_8zxqkwlh43wo144u8yec"
}
}'
If unauthorized activity occurs on a card, you can create a Card Dispute and we'll return the funds if appropriate.
- Protect cardholders.
- Fine-grained control over submissions to Visa.
- Webhooks keep you apprised of case progress.
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curl -X "POST" \
--url "${INCREASE_URL}/card_disputes" \
-H "Authorization: Bearer ${INCREASE_API_KEY}" \
-d $'{
"disputed_transaction_id": "transaction_uyrp7fld2ium70oa7oi",
"explanation": "Unauthorized recurring transaction."
}'
Precise control over every swipe, tap and click
- Create an event subscription for the
card_authorization_requestedevent type.via the dashboard or a call toPOST /accounts. - When we receive an authorization, we'll send you a
real_time_decision.createdevent. - Retrieve details about the pending authorization.Network details like MCC and
point_of_service_entry_modeare available. - Approve or decline the authorization.
- Approved authorizations become Pending Transactions.And, of course, declined authorizations become Declined Transactions!
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curl -X "POST" \
--url "${INCREASE_URL}/event_subscriptions" \
-H "Authorization: Bearer ${INCREASE_API_KEY}" \
-H "Content-Type: application/json" -d $'{
"url": "https://website.com/webhooks",
"selected_event_category":
"real_time_decision.card_authorization_requested"
}'
curl -X "POST" \
--url "${INCREASE_URL}/event_subscriptions" \
-H "Authorization: Bearer ${INCREASE_API_KEY}" \
-H "Content-Type: application/json" -d $'{
"url": "https://website.com/webhooks",
"selected_event_category":
"real_time_decision.card_authorization_requested"
}'
“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
Every network detail
The ISO 8583 standard specifies a message format that describes credit card and debit card data that is exchanged between devices and card issuers. It's binary format, so we've taken some artistic license in the presentation for readability.
8583.txt
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0100475690000000123400000025902707112517340310451741234571834031125260111267375027601100416244123457890123457123456Ian Crease's Coffee and CakeSan FranciscoUS00000000000N097808405900000006N123457890002110000E
Message Type Indicator
The message type indicator is a four-digit numeric field which indicates the overall function of the message.
Primary Account Number
The sixteen-digit card number. This is sensitive, so we avoid exposing it in ordinary API calls.
This field can be read using the card_id field in the API. Read more.
Processing code
The first two digits encode the transaction type; the second two the type of the origin account; the latter two the type of the destination account.
Amount Transaction
The amount of the transaction in minor units of the currency of the cardholder's account. For instance, this is for €25.90. The maximum amount varies by MCC.
This field can be read using the settlement_amount field in the API. Read more.
Amount Cardholder
The amount of the transaction in minor units of the currency of point of sale. For instance, this is for $27.07.
This field can be read using the presentment_amount field in the API. Read more.
Transmission Date And Time
Conversion Rate Cardholder
The currency conversion rate applied to the transaction.
System Trace Audit Number
A 6 digit counter that identifies the authorization request within a small time frame. Within Visa, this a subset of the retrieval reference number (below), which includes the trace counter and also a partial date.
Local Transmission Time
The local time of the authorization, in HHMMSS format.
Local Transmission Date
The loca date of the authorization, in MMDD format.
Card Expiration
The expiration date on the card.
This field can be read using the card_id field in the API. Read more.
Date Settlement
Merchant Category Code
Indicates the merchant's type of business in terms of the merchandise or the services provided.
This field can be read using the merchant_category_code field in the API. Read more.
Acquiring Institution Country Code
The country code of the acquiring bank
Point Of Service Entry Mode
- 011 for
manual_entry - 021 for
card_swipe - 031 for
barcode_scan - 041 for
online - 051 for
chip_read
This field can be read using the point_of_service_entry_mode field in the API. Read more.
Point Of Service Condition Code
Whether or not the customer was present.
Acquiring Institution Identification Code
Retrieval Reference Number
Within Visa, the trace counter and also a partial date.
Card Acceptor Terminal Identification
Card Acceptor Identification Code
An identifier code for the acquiring merchant.
This field can be read using the merchant_acceptor_id field in the API. Read more.
Card Acceptor Name
The card acceptor name. Generally this is the name of the store where the customer is shopping.
This field can be read using the merchant_descriptor field in the API. Read more.
Location City Name
The city of the point of sale.
This field can be read using the merchant_city field in the API. Read more.
Location Country Code
The country code of the point of sale.
This field can be read using the merchant_country field in the API. Read more.
Additional response data
A few different fields get lunmped into additional response data, including whether or not the card passed address verification (AVS).
Currency Code
The code for the currency of the point of sale.
This field can be read using the presentment_currency field in the API. Read more.
Currency Code Cardholder Billing
The code for the currency of the cardholder's account at their bank.
This field can be read using the settlement_currency field in the API. Read more.
Point-Of-Sale information
Many different bits get encoded here, for example: the terminal type and whether or not the card chip was used.
This field can be read using the electronic_commerce_indicator field in the API. Read more.
Authorization Characteristics Indicator
Transaction identifier
An identifier for the transaction.
Fields for Visa private use
Visa private use holds among other things the CVV2 value and various 3DS fields.
Build your bank
Everything you need and nothing you don't
Direct connections to the networks for money transmission. Bank accounts that open instantly. Unopinionated building blocks that let you build for any funds flow or use case.
ACH
Originate ACH credits and debits, validate account numbers with pre-notifications and store commonly accessed details.
Bank Accounts
Commercial or consumer, FDIC insurance, unlimited account numbers.
Cards
Issue cards with custom art to businesses or consumers. Approve authorizations in real-time, or configure limits programmatically.
Checks
Send branded checks anywhere in the world with one API call. Or deposit checks via API or the dashboard.
Real-Time Payments
Transmit money to accounts at most major banks in seconds, not days.
Wires
The original instantaneous money transfer. Send money anywhere, anytime Fedwire is open.