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Full detail: Where this data comes from
Increase is a bank-grade payments and financial infrastructure platform that exposes a single REST API for moving and holding money in the United States - ACH transfers, real-time payments (RTP and FedNow), domestic and international wires, physical and mailed checks, deposit accounts and account numbers, card issuing and card acquiring, ledgering and bookkeeping, KYC/KYB entities, and lockboxes. Increase connects directly to the Federal Reserve and card networks through partner banks, and every state change is delivered as an Event over HTTP webhooks. The API is documented with a public OpenAPI 3.1 spec (https://api.increase.com/openapi.json) and Stainless-generated SDKs for Python, TypeScript, Java, Kotlin, Go, Ruby, PHP, and C#. Base URL https://api.increase.com with a sandbox at https://sandbox.increase.com.
APIs.json: https://raw.githubusercontent.com/api-evangelist/increase-com/refs/heads/main/apis.yml
- Payments
- Banking
- Financial Infrastructure
- ACH
- Wire Transfers
- Real-Time Payments
- Cards
- Fintech
- Created: 2026-07-02
- Modified: 2026-07-02
All requests are authenticated with a Bearer API key (Authorization: Bearer YOUR_API_KEY); keys are scoped to an environment (production vs sandbox). OAuth is supported for platform / Increase-for-platforms integrations. Mutating requests accept an Idempotency-Key header so retries never duplicate money movement. List endpoints use cursor-based pagination (1-100 per page).
Create, retrieve, update, list, and close deposit Accounts held at Increase's partner banks, and read real-time available and current balances. The root container for all money movement, tied to an Entity and a Program.
- Human URL: https://increase.com/documentation/api/accounts
- Base URL:
https://api.increase.com
- Accounts
- Balances
- Banking
- Documentation
- API Reference
- OpenAPI — OpenAPI Specification
- Postman Collection — Postman Collection 2.1
- Open Collection — Open Collection 1.0
Generate and manage Account Numbers (routing + account number pairs) that can receive ACH, wire, and check deposits, configure inbound controls, and register External Accounts and look up Routing Numbers for counterparties.
- Human URL: https://increase.com/documentation/api/account-numbers
- Base URL:
https://api.increase.com
- Account Numbers
- Routing
- External Accounts
- API Reference
- OpenAPI — OpenAPI Specification
- Postman Collection — Postman Collection 2.1
- Open Collection — Open Collection 1.0
Issue and manage virtual and physical commercial Cards - create, update, list, retrieve sensitive card details via a secure iframe, set PINs, and order Physical Cards fulfilled by Increase's print vendors.
- Human URL: https://increase.com/documentation/api/cards
- Base URL:
https://api.increase.com
- Cards
- Card Issuing
- Physical Cards
- API Reference
- OpenAPI — OpenAPI Specification
- Postman Collection — Postman Collection 2.1
- Open Collection — Open Collection 1.0
Follow the full lifecycle of a card authorization and settlement via Card Payments and Card Purchase Supplements, approve or decline authorizations in real time through Real-Time Decisions, and manage Card Disputes.
- Human URL: https://increase.com/documentation/api/card-payments
- Base URL:
https://api.increase.com
- Card Payments
- Authorizations
- Real-Time Decisions
- API Reference
- OpenAPI — OpenAPI Specification
- Postman Collection — Postman Collection 2.1
- Open Collection — Open Collection 1.0
Originate credit and debit ACH Transfers over the FedACH network, approve or cancel pending transfers, handle Inbound ACH Transfers with returns and notifications of change, and validate routing details with ACH Prenotifications.
- Human URL: https://increase.com/documentation/api/ach-transfers
- Base URL:
https://api.increase.com
- ACH
- Transfers
- FedACH
- API Reference
- OpenAPI — OpenAPI Specification
- Postman Collection — Postman Collection 2.1
- Open Collection — Open Collection 1.0
Send domestic Fedwire Wire Transfers, approve or cancel them, receive and reverse Inbound Wire Transfers, and request funds from counterparties with Wire Drawdown Requests.
- Human URL: https://increase.com/documentation/api/wire-transfers
- Base URL:
https://api.increase.com
- Wires
- Fedwire
- Drawdowns
- API Reference
- OpenAPI — OpenAPI Specification
- Postman Collection — Postman Collection 2.1
- Open Collection — Open Collection 1.0
Send and receive instant, 24/7 payments over The Clearing House RTP network via Real-Time Payments Transfers and Inbound Real-Time Payments Transfers, with irrevocable, immediately-settled credit transfers.
- Human URL: https://increase.com/documentation/api/real-time-payments-transfers
- Base URL:
https://api.increase.com
- Real-Time Payments
- RTP
- FedNow
- API Reference
- OpenAPI — OpenAPI Specification
- Postman Collection — Postman Collection 2.1
- Open Collection — Open Collection 1.0
Print and mail physical Check Transfers (or send them electronically), place stop payments, deposit images of received checks with Check Deposits, and process Inbound Check Deposits with decline and return controls.
- Human URL: https://increase.com/documentation/api/check-transfers
- Base URL:
https://api.increase.com
- Checks
- Check Deposits
- Lockbox
- API Reference
- OpenAPI — OpenAPI Specification
- Postman Collection — Postman Collection 2.1
- Open Collection — Open Collection 1.0
Read the immutable ledger of settled Transactions, in-flight Pending Transactions (holds), and Declined Transactions, each with a typed source object explaining exactly what moved money in an Account.
- Human URL: https://increase.com/documentation/api/transactions
- Base URL:
https://api.increase.com
- Transactions
- Ledger
- Pending
- API Reference
- OpenAPI — OpenAPI Specification
- Postman Collection — Postman Collection 2.1
- Open Collection — Open Collection 1.0
Onboard the people and businesses that own Accounts - create, update, archive, and list Entities (natural persons, corporations, trusts), manage Beneficial Owners, and attach Supplemental Documents for KYC/KYB compliance.
- Human URL: https://increase.com/documentation/api/entities
- Base URL:
https://api.increase.com
- Entities
- KYC
- KYB
- API Reference
- OpenAPI — OpenAPI Specification
- Postman Collection — Postman Collection 2.1
- Open Collection — Open Collection 1.0
Subscribe to state changes across every Increase resource. Every change emits an Event; Event Subscriptions deliver those Events to your HTTPS endpoint as signed (Standard Webhooks HMAC-SHA256) webhooks, and the List Events API lets you poll or backfill up to 30 days of history.
- Human URL: https://increase.com/documentation/webhooks
- Base URL:
https://api.increase.com
- Events
- Webhooks
- Notifications
- Documentation
- API Reference
- OpenAPI — OpenAPI Specification
- Postman Collection — Postman Collection 2.1
- Open Collection — Open Collection 1.0
Build a double-entry sub-ledger on top of Increase money movement. Create Bookkeeping Accounts, post transactionally-applied Bookkeeping Entry Sets, read individual Bookkeeping Entries, and reconcile balances against real Transactions.
- Human URL: https://increase.com/documentation/api/bookkeeping-accounts
- Base URL:
https://api.increase.com
- Bookkeeping
- Ledgering
- Accounting
- API Reference
- OpenAPI — OpenAPI Specification
- Postman Collection — Postman Collection 2.1
- Open Collection — Open Collection 1.0
Control the appearance and provisioning of issued cards - Digital Card Profiles (Apple Pay / Google Pay branding), Physical Card Profiles (print artwork), and Digital Wallet Tokens representing cards added to mobile wallets.
- Human URL: https://increase.com/documentation/api/digital-card-profiles
- Base URL:
https://api.increase.com
- Digital Wallets
- Card Profiles
- Tokenization
- API Reference
- OpenAPI — OpenAPI Specification
- Postman Collection — Postman Collection 2.1
- Open Collection — Open Collection 1.0
Receive paper checks and mail at a physical Lockbox address tied to an Account. Create and manage Lockboxes, and retrieve scanned Inbound Mail Items for automated receivables processing.
- Human URL: https://increase.com/documentation/api/lockboxes
- Base URL:
https://api.increase.com
- Lockboxes
- Receivables
- API Reference
- OpenAPI — OpenAPI Specification
- Postman Collection — Postman Collection 2.1
- Open Collection — Open Collection 1.0
Drive the sandbox deterministically. Simulation endpoints let you trigger inbound ACH/wire/RTP/check activity, settle or decline card authorizations, advance transfer states, and generate statements so you can test every code path without real money.
- Human URL: https://increase.com/documentation/api/simulations-account-transfers
- Base URL:
https://api.increase.com
- Simulations
- Sandbox
- Testing
- API Reference
- OpenAPI — OpenAPI Specification
- Postman Collection — Postman Collection 2.1
- Open Collection — Open Collection 1.0
FN: Kin Lane Email: kin@apievangelist.com