increase 1.170.0 → 1.172.0

checksums.yaml

@@ -1,7 +1,7 @@
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+  data.tar.gz: 983f68aa2c6761e3776e7ff02274c3e29faf3393b7ccd54a0b0675c789a08448
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data/CHANGELOG.md

@@ -1,5 +1,21 @@
 # Changelog
 
+## 1.172.0 (2026-01-06)
+
+Full Changelog: [v1.171.0...v1.172.0](https://github.com/Increase/increase-ruby/compare/v1.171.0...v1.172.0)
+
+### Features
+
+* **api:** api update ([f7bc3df](https://github.com/Increase/increase-ruby/commit/f7bc3df6db78f863f763caf487a6ee1e0ae0d190))
+
+## 1.171.0 (2026-01-05)
+
+Full Changelog: [v1.170.0...v1.171.0](https://github.com/Increase/increase-ruby/compare/v1.170.0...v1.171.0)
+
+### Features
+
+* **api:** api update ([e98ec1a](https://github.com/Increase/increase-ruby/commit/e98ec1aa3cefbfe4f8afea6a893b6d0c11123b58))
+
 ## 1.170.0 (2026-01-01)
 
 Full Changelog: [v1.169.0...v1.170.0](https://github.com/Increase/increase-ruby/compare/v1.169.0...v1.170.0)

data/README.md

@@ -15,7 +15,7 @@ To use this gem, install via Bundler by adding the following to your application
 <!-- x-release-please-start-version -->
 
 ```ruby
-gem "increase", "~> 1.170.0"
+gem "increase", "~> 1.172.0"
 ```
 
 <!-- x-release-please-end -->

data/lib/increase/models/card_dispute.rb

@@ -1576,6 +1576,13 @@ module Increase
           #   @return [Time]
           required :created_at, Time
 
+          # @!attribute explanation
+          #   The free-form explanation provided to Increase to provide more context for the
+          #   user submission. This field is not sent directly to the card networks.
+          #
+          #   @return [String, nil]
+          required :explanation, String, nil?: true
+
           # @!attribute further_information_requested_at
           #   The date and time at which Increase requested further information from the user
           #   for the Visa Card Dispute.
@@ -1625,7 +1632,7 @@ module Increase
                    -> { Increase::CardDispute::Visa::UserSubmission::UserPrearbitration },
                    nil?: true
 
-          # @!method initialize(accepted_at:, amount:, attachment_files:, category:, chargeback:, created_at:, further_information_requested_at:, further_information_requested_reason:, merchant_prearbitration_decline:, status:, updated_at:, user_prearbitration:)
+          # @!method initialize(accepted_at:, amount:, attachment_files:, category:, chargeback:, created_at:, explanation:, further_information_requested_at:, further_information_requested_reason:, merchant_prearbitration_decline:, status:, updated_at:, user_prearbitration:)
           #   Some parameter documentations has been truncated, see
           #   {Increase::Models::CardDispute::Visa::UserSubmission} for more details.
           #
@@ -1641,6 +1648,8 @@ module Increase
           #
           #   @param created_at [Time] The [ISO 8601](https://en.wikipedia.org/wiki/ISO_8601) date and time at which th
           #
+          #   @param explanation [String, nil] The free-form explanation provided to Increase to provide more context for the u
+          #
           #   @param further_information_requested_at [Time, nil] The date and time at which Increase requested further information from the user
           #
           #   @param further_information_requested_reason [String, nil] The reason for Increase requesting further information from the user for the Vis

data/lib/increase/models/card_dispute_create_params.rb

@@ -37,6 +37,13 @@ module Increase
       optional :attachment_files,
                -> { Increase::Internal::Type::ArrayOf[Increase::CardDisputeCreateParams::AttachmentFile] }
 
+      # @!attribute explanation
+      #   The free-form explanation provided to Increase to provide more context for the
+      #   user submission. This field is not sent directly to the card networks.
+      #
+      #   @return [String, nil]
+      optional :explanation, String
+
       # @!attribute visa
       #   The Visa-specific parameters for the dispute. Required if and only if `network`
       #   is `visa`.
@@ -44,7 +51,7 @@ module Increase
       #   @return [Increase::Models::CardDisputeCreateParams::Visa, nil]
       optional :visa, -> { Increase::CardDisputeCreateParams::Visa }
 
-      # @!method initialize(disputed_transaction_id:, network:, amount: nil, attachment_files: nil, visa: nil, request_options: {})
+      # @!method initialize(disputed_transaction_id:, network:, amount: nil, attachment_files: nil, explanation: nil, visa: nil, request_options: {})
       #   Some parameter documentations has been truncated, see
       #   {Increase::Models::CardDisputeCreateParams} for more details.
       #
@@ -56,6 +63,8 @@ module Increase
       #
       #   @param attachment_files [Array<Increase::Models::CardDisputeCreateParams::AttachmentFile>] The files to be attached to the initial dispute submission.
       #
+      #   @param explanation [String] The free-form explanation provided to Increase to provide more context for the u
+      #
       #   @param visa [Increase::Models::CardDisputeCreateParams::Visa] The Visa-specific parameters for the dispute. Required if and only if `network`
       #
       #   @param request_options [Increase::RequestOptions, Hash{Symbol=>Object}]

data/lib/increase/models/card_dispute_submit_user_submission_params.rb

@@ -30,6 +30,13 @@ module Increase
       optional :attachment_files,
                -> { Increase::Internal::Type::ArrayOf[Increase::CardDisputeSubmitUserSubmissionParams::AttachmentFile] }
 
+      # @!attribute explanation
+      #   The free-form explanation provided to Increase to provide more context for the
+      #   user submission. This field is not sent directly to the card networks.
+      #
+      #   @return [String, nil]
+      optional :explanation, String
+
       # @!attribute visa
       #   The Visa-specific parameters for the dispute. Required if and only if `network`
       #   is `visa`.
@@ -37,7 +44,7 @@ module Increase
       #   @return [Increase::Models::CardDisputeSubmitUserSubmissionParams::Visa, nil]
       optional :visa, -> { Increase::CardDisputeSubmitUserSubmissionParams::Visa }
 
-      # @!method initialize(network:, amount: nil, attachment_files: nil, visa: nil, request_options: {})
+      # @!method initialize(network:, amount: nil, attachment_files: nil, explanation: nil, visa: nil, request_options: {})
       #   Some parameter documentations has been truncated, see
       #   {Increase::Models::CardDisputeSubmitUserSubmissionParams} for more details.
       #
@@ -47,6 +54,8 @@ module Increase
       #
       #   @param attachment_files [Array<Increase::Models::CardDisputeSubmitUserSubmissionParams::AttachmentFile>] The files to be attached to the user submission.
       #
+      #   @param explanation [String] The free-form explanation provided to Increase to provide more context for the u
+      #
       #   @param visa [Increase::Models::CardDisputeSubmitUserSubmissionParams::Visa] The Visa-specific parameters for the dispute. Required if and only if `network`
       #
       #   @param request_options [Increase::RequestOptions, Hash{Symbol=>Object}]

data/lib/increase/models/entity.rb

@@ -93,6 +93,13 @@ module Increase
       required :supplemental_documents,
                -> { Increase::Internal::Type::ArrayOf[Increase::EntitySupplementalDocument] }
 
+      # @!attribute terms_agreements
+      #   The terms that the Entity agreed to. Not all programs are required to submit
+      #   this data.
+      #
+      #   @return [Array<Increase::Models::Entity::TermsAgreement>]
+      required :terms_agreements, -> { Increase::Internal::Type::ArrayOf[Increase::Entity::TermsAgreement] }
+
       # @!attribute third_party_verification
       #   If you are using a third-party service for identity verification, you can use
       #   this field to associate this Entity with the identifier that represents them in
@@ -114,7 +121,7 @@ module Increase
       #   @return [Symbol, Increase::Models::Entity::Type]
       required :type, enum: -> { Increase::Entity::Type }
 
-      # @!method initialize(id:, corporation:, created_at:, description:, details_confirmed_at:, government_authority:, idempotency_key:, joint:, natural_person:, risk_rating:, status:, structure:, supplemental_documents:, third_party_verification:, trust:, type:)
+      # @!method initialize(id:, corporation:, created_at:, description:, details_confirmed_at:, government_authority:, idempotency_key:, joint:, natural_person:, risk_rating:, status:, structure:, supplemental_documents:, terms_agreements:, third_party_verification:, trust:, type:)
       #   Some parameter documentations has been truncated, see {Increase::Models::Entity}
       #   for more details.
       #
@@ -147,6 +154,8 @@ module Increase
       #
       #   @param supplemental_documents [Array<Increase::Models::EntitySupplementalDocument>] Additional documentation associated with the entity. This is limited to the firs
       #
+      #   @param terms_agreements [Array<Increase::Models::Entity::TermsAgreement>] The terms that the Entity agreed to. Not all programs are required to submit thi
+      #
       #   @param third_party_verification [Increase::Models::Entity::ThirdPartyVerification, nil] If you are using a third-party service for identity verification, you can use th
       #
       #   @param trust [Increase::Models::Entity::Trust, nil] Details of the trust entity. Will be present if `structure` is equal to `trust`.
@@ -1027,6 +1036,36 @@ module Increase
         #   @return [Array<Symbol>]
       end
 
+      class TermsAgreement < Increase::Internal::Type::BaseModel
+        # @!attribute agreed_at
+        #   The timestamp of when the Entity agreed to the terms.
+        #
+        #   @return [Time]
+        required :agreed_at, Time
+
+        # @!attribute ip_address
+        #   The IP address the Entity accessed reviewed the terms from.
+        #
+        #   @return [String]
+        required :ip_address, String
+
+        # @!attribute terms_url
+        #   The URL of the terms agreement. This link will be provided by your bank partner.
+        #
+        #   @return [String]
+        required :terms_url, String
+
+        # @!method initialize(agreed_at:, ip_address:, terms_url:)
+        #   Some parameter documentations has been truncated, see
+        #   {Increase::Models::Entity::TermsAgreement} for more details.
+        #
+        #   @param agreed_at [Time] The timestamp of when the Entity agreed to the terms.
+        #
+        #   @param ip_address [String] The IP address the Entity accessed reviewed the terms from.
+        #
+        #   @param terms_url [String] The URL of the terms agreement. This link will be provided by your bank partner.
+      end
+
       # @see Increase::Models::Entity#third_party_verification
       class ThirdPartyVerification < Increase::Internal::Type::BaseModel
         # @!attribute reference

data/lib/increase/models/entity_create_params.rb

@@ -63,6 +63,14 @@ module Increase
       optional :supplemental_documents,
                -> { Increase::Internal::Type::ArrayOf[Increase::EntityCreateParams::SupplementalDocument] }
 
+      # @!attribute terms_agreements
+      #   The terms that the Entity agreed to. Not all programs are required to submit
+      #   this data.
+      #
+      #   @return [Array<Increase::Models::EntityCreateParams::TermsAgreement>, nil]
+      optional :terms_agreements,
+               -> { Increase::Internal::Type::ArrayOf[Increase::EntityCreateParams::TermsAgreement] }
+
       # @!attribute third_party_verification
       #   If you are using a third-party service for identity verification, you can use
       #   this field to associate this Entity with the identifier that represents them in
@@ -78,7 +86,7 @@ module Increase
       #   @return [Increase::Models::EntityCreateParams::Trust, nil]
       optional :trust, -> { Increase::EntityCreateParams::Trust }
 
-      # @!method initialize(structure:, corporation: nil, description: nil, government_authority: nil, joint: nil, natural_person: nil, risk_rating: nil, supplemental_documents: nil, third_party_verification: nil, trust: nil, request_options: {})
+      # @!method initialize(structure:, corporation: nil, description: nil, government_authority: nil, joint: nil, natural_person: nil, risk_rating: nil, supplemental_documents: nil, terms_agreements: nil, third_party_verification: nil, trust: nil, request_options: {})
       #   Some parameter documentations has been truncated, see
       #   {Increase::Models::EntityCreateParams} for more details.
       #
@@ -98,6 +106,8 @@ module Increase
       #
       #   @param supplemental_documents [Array<Increase::Models::EntityCreateParams::SupplementalDocument>] Additional documentation associated with the entity.
       #
+      #   @param terms_agreements [Array<Increase::Models::EntityCreateParams::TermsAgreement>] The terms that the Entity agreed to. Not all programs are required to submit thi
+      #
       #   @param third_party_verification [Increase::Models::EntityCreateParams::ThirdPartyVerification] If you are using a third-party service for identity verification, you can use th
       #
       #   @param trust [Increase::Models::EntityCreateParams::Trust] Details of the trust entity to create. Required if `structure` is equal to `trus
@@ -1514,6 +1524,36 @@ module Increase
         #   @param file_id [String] The identifier of the File containing the document.
       end
 
+      class TermsAgreement < Increase::Internal::Type::BaseModel
+        # @!attribute agreed_at
+        #   The timestamp of when the Entity agreed to the terms.
+        #
+        #   @return [Time]
+        required :agreed_at, Time
+
+        # @!attribute ip_address
+        #   The IP address the Entity accessed reviewed the terms from.
+        #
+        #   @return [String]
+        required :ip_address, String
+
+        # @!attribute terms_url
+        #   The URL of the terms agreement. This link will be provided by your bank partner.
+        #
+        #   @return [String]
+        required :terms_url, String
+
+        # @!method initialize(agreed_at:, ip_address:, terms_url:)
+        #   Some parameter documentations has been truncated, see
+        #   {Increase::Models::EntityCreateParams::TermsAgreement} for more details.
+        #
+        #   @param agreed_at [Time] The timestamp of when the Entity agreed to the terms.
+        #
+        #   @param ip_address [String] The IP address the Entity accessed reviewed the terms from.
+        #
+        #   @param terms_url [String] The URL of the terms agreement. This link will be provided by your bank partner.
+      end
+
       class ThirdPartyVerification < Increase::Internal::Type::BaseModel
         # @!attribute reference
         #   The reference identifier for the third party verification.

data/lib/increase/resources/card_disputes.rb

@@ -8,7 +8,7 @@ module Increase
       #
       # Create a Card Dispute
       #
-      # @overload create(disputed_transaction_id:, network:, amount: nil, attachment_files: nil, visa: nil, request_options: {})
+      # @overload create(disputed_transaction_id:, network:, amount: nil, attachment_files: nil, explanation: nil, visa: nil, request_options: {})
       #
       # @param disputed_transaction_id [String] The Transaction you wish to dispute. This Transaction must have a `source_type`
       #
@@ -18,6 +18,8 @@ module Increase
       #
       # @param attachment_files [Array<Increase::Models::CardDisputeCreateParams::AttachmentFile>] The files to be attached to the initial dispute submission.
       #
+      # @param explanation [String] The free-form explanation provided to Increase to provide more context for the u
+      #
       # @param visa [Increase::Models::CardDisputeCreateParams::Visa] The Visa-specific parameters for the dispute. Required if and only if `network`
       #
       # @param request_options [Increase::RequestOptions, Hash{Symbol=>Object}, nil]
@@ -95,7 +97,7 @@ module Increase
       #
       # Submit a User Submission for a Card Dispute
       #
-      # @overload submit_user_submission(card_dispute_id, network:, amount: nil, attachment_files: nil, visa: nil, request_options: {})
+      # @overload submit_user_submission(card_dispute_id, network:, amount: nil, attachment_files: nil, explanation: nil, visa: nil, request_options: {})
       #
       # @param card_dispute_id [String] The identifier of the Card Dispute to submit a user submission for.
       #
@@ -105,6 +107,8 @@ module Increase
       #
       # @param attachment_files [Array<Increase::Models::CardDisputeSubmitUserSubmissionParams::AttachmentFile>] The files to be attached to the user submission.
       #
+      # @param explanation [String] The free-form explanation provided to Increase to provide more context for the u
+      #
       # @param visa [Increase::Models::CardDisputeSubmitUserSubmissionParams::Visa] The Visa-specific parameters for the dispute. Required if and only if `network`
       #
       # @param request_options [Increase::RequestOptions, Hash{Symbol=>Object}, nil]

data/lib/increase/resources/entities.rb

@@ -8,7 +8,7 @@ module Increase
       #
       # Create an Entity
       #
-      # @overload create(structure:, corporation: nil, description: nil, government_authority: nil, joint: nil, natural_person: nil, risk_rating: nil, supplemental_documents: nil, third_party_verification: nil, trust: nil, request_options: {})
+      # @overload create(structure:, corporation: nil, description: nil, government_authority: nil, joint: nil, natural_person: nil, risk_rating: nil, supplemental_documents: nil, terms_agreements: nil, third_party_verification: nil, trust: nil, request_options: {})
       #
       # @param structure [Symbol, Increase::Models::EntityCreateParams::Structure] The type of Entity to create.
       #
@@ -26,6 +26,8 @@ module Increase
       #
       # @param supplemental_documents [Array<Increase::Models::EntityCreateParams::SupplementalDocument>] Additional documentation associated with the entity.
       #
+      # @param terms_agreements [Array<Increase::Models::EntityCreateParams::TermsAgreement>] The terms that the Entity agreed to. Not all programs are required to submit thi
+      #
       # @param third_party_verification [Increase::Models::EntityCreateParams::ThirdPartyVerification] If you are using a third-party service for identity verification, you can use th
       #
       # @param trust [Increase::Models::EntityCreateParams::Trust] Details of the trust entity to create. Required if `structure` is equal to `trus

data/lib/increase/version.rb

@@ -1,5 +1,5 @@
 # frozen_string_literal: true
 
 module Increase
-  VERSION = "1.170.0"
+  VERSION = "1.172.0"
 end

data/rbi/increase/models/card_dispute.rbi

@@ -3256,6 +3256,11 @@ module Increase
           sig { returns(Time) }
           attr_accessor :created_at
 
+          # The free-form explanation provided to Increase to provide more context for the
+          # user submission. This field is not sent directly to the card networks.
+          sig { returns(T.nilable(String)) }
+          attr_accessor :explanation
+
           # The date and time at which Increase requested further information from the user
           # for the Visa Card Dispute.
           sig { returns(T.nilable(Time)) }
@@ -3340,6 +3345,7 @@ module Increase
                   Increase::CardDispute::Visa::UserSubmission::Chargeback::OrHash
                 ),
               created_at: Time,
+              explanation: T.nilable(String),
               further_information_requested_at: T.nilable(Time),
               further_information_requested_reason: T.nilable(String),
               merchant_prearbitration_decline:
@@ -3376,6 +3382,9 @@ module Increase
             # The [ISO 8601](https://en.wikipedia.org/wiki/ISO_8601) date and time at which
             # the Visa Card Dispute User Submission was created.
             created_at:,
+            # The free-form explanation provided to Increase to provide more context for the
+            # user submission. This field is not sent directly to the card networks.
+            explanation:,
             # The date and time at which Increase requested further information from the user
             # for the Visa Card Dispute.
             further_information_requested_at:,
@@ -3416,6 +3425,7 @@ module Increase
                     Increase::CardDispute::Visa::UserSubmission::Chargeback
                   ),
                 created_at: Time,
+                explanation: T.nilable(String),
                 further_information_requested_at: T.nilable(Time),
                 further_information_requested_reason: T.nilable(String),
                 merchant_prearbitration_decline:

data/rbi/increase/models/card_dispute_create_params.rbi

@@ -47,6 +47,14 @@ module Increase
       end
       attr_writer :attachment_files
 
+      # The free-form explanation provided to Increase to provide more context for the
+      # user submission. This field is not sent directly to the card networks.
+      sig { returns(T.nilable(String)) }
+      attr_reader :explanation
+
+      sig { params(explanation: String).void }
+      attr_writer :explanation
+
       # The Visa-specific parameters for the dispute. Required if and only if `network`
       # is `visa`.
       sig { returns(T.nilable(Increase::CardDisputeCreateParams::Visa)) }
@@ -62,6 +70,7 @@ module Increase
           amount: Integer,
           attachment_files:
             T::Array[Increase::CardDisputeCreateParams::AttachmentFile::OrHash],
+          explanation: String,
           visa: Increase::CardDisputeCreateParams::Visa::OrHash,
           request_options: Increase::RequestOptions::OrHash
         ).returns(T.attached_class)
@@ -80,6 +89,9 @@ module Increase
         amount: nil,
         # The files to be attached to the initial dispute submission.
         attachment_files: nil,
+        # The free-form explanation provided to Increase to provide more context for the
+        # user submission. This field is not sent directly to the card networks.
+        explanation: nil,
         # The Visa-specific parameters for the dispute. Required if and only if `network`
         # is `visa`.
         visa: nil,
@@ -95,6 +107,7 @@ module Increase
             amount: Integer,
             attachment_files:
               T::Array[Increase::CardDisputeCreateParams::AttachmentFile],
+            explanation: String,
             visa: Increase::CardDisputeCreateParams::Visa,
             request_options: Increase::RequestOptions
           }

data/rbi/increase/models/card_dispute_submit_user_submission_params.rbi

@@ -55,6 +55,14 @@ module Increase
       end
       attr_writer :attachment_files
 
+      # The free-form explanation provided to Increase to provide more context for the
+      # user submission. This field is not sent directly to the card networks.
+      sig { returns(T.nilable(String)) }
+      attr_reader :explanation
+
+      sig { params(explanation: String).void }
+      attr_writer :explanation
+
       # The Visa-specific parameters for the dispute. Required if and only if `network`
       # is `visa`.
       sig do
@@ -80,6 +88,7 @@ module Increase
             T::Array[
               Increase::CardDisputeSubmitUserSubmissionParams::AttachmentFile::OrHash
             ],
+          explanation: String,
           visa: Increase::CardDisputeSubmitUserSubmissionParams::Visa::OrHash,
           request_options: Increase::RequestOptions::OrHash
         ).returns(T.attached_class)
@@ -95,6 +104,9 @@ module Increase
         amount: nil,
         # The files to be attached to the user submission.
         attachment_files: nil,
+        # The free-form explanation provided to Increase to provide more context for the
+        # user submission. This field is not sent directly to the card networks.
+        explanation: nil,
         # The Visa-specific parameters for the dispute. Required if and only if `network`
         # is `visa`.
         visa: nil,
@@ -112,6 +124,7 @@ module Increase
               T::Array[
                 Increase::CardDisputeSubmitUserSubmissionParams::AttachmentFile
               ],
+            explanation: String,
             visa: Increase::CardDisputeSubmitUserSubmissionParams::Visa,
             request_options: Increase::RequestOptions
           }

data/rbi/increase/models/entity.rbi

@@ -100,6 +100,11 @@ module Increase
       sig { returns(T::Array[Increase::EntitySupplementalDocument]) }
       attr_accessor :supplemental_documents
 
+      # The terms that the Entity agreed to. Not all programs are required to submit
+      # this data.
+      sig { returns(T::Array[Increase::Entity::TermsAgreement]) }
+      attr_accessor :terms_agreements
+
       # If you are using a third-party service for identity verification, you can use
       # this field to associate this Entity with the identifier that represents them in
       # that service.
@@ -145,6 +150,7 @@ module Increase
           structure: Increase::Entity::Structure::OrSymbol,
           supplemental_documents:
             T::Array[Increase::EntitySupplementalDocument::OrHash],
+          terms_agreements: T::Array[Increase::Entity::TermsAgreement::OrHash],
           third_party_verification:
             T.nilable(Increase::Entity::ThirdPartyVerification::OrHash),
           trust: T.nilable(Increase::Entity::Trust::OrHash),
@@ -188,6 +194,9 @@ module Increase
         # first 10 documents for an entity. If an entity has more than 10 documents, use
         # the GET /entity_supplemental_documents list endpoint to retrieve them.
         supplemental_documents:,
+        # The terms that the Entity agreed to. Not all programs are required to submit
+        # this data.
+        terms_agreements:,
         # If you are using a third-party service for identity verification, you can use
         # this field to associate this Entity with the identifier that represents them in
         # that service.
@@ -218,6 +227,7 @@ module Increase
             structure: Increase::Entity::Structure::TaggedSymbol,
             supplemental_documents:
               T::Array[Increase::EntitySupplementalDocument],
+            terms_agreements: T::Array[Increase::Entity::TermsAgreement],
             third_party_verification:
               T.nilable(Increase::Entity::ThirdPartyVerification),
             trust: T.nilable(Increase::Entity::Trust),
@@ -1730,6 +1740,50 @@ module Increase
         end
       end
 
+      class TermsAgreement < Increase::Internal::Type::BaseModel
+        OrHash =
+          T.type_alias do
+            T.any(Increase::Entity::TermsAgreement, Increase::Internal::AnyHash)
+          end
+
+        # The timestamp of when the Entity agreed to the terms.
+        sig { returns(Time) }
+        attr_accessor :agreed_at
+
+        # The IP address the Entity accessed reviewed the terms from.
+        sig { returns(String) }
+        attr_accessor :ip_address
+
+        # The URL of the terms agreement. This link will be provided by your bank partner.
+        sig { returns(String) }
+        attr_accessor :terms_url
+
+        sig do
+          params(
+            agreed_at: Time,
+            ip_address: String,
+            terms_url: String
+          ).returns(T.attached_class)
+        end
+        def self.new(
+          # The timestamp of when the Entity agreed to the terms.
+          agreed_at:,
+          # The IP address the Entity accessed reviewed the terms from.
+          ip_address:,
+          # The URL of the terms agreement. This link will be provided by your bank partner.
+          terms_url:
+        )
+        end
+
+        sig do
+          override.returns(
+            { agreed_at: Time, ip_address: String, terms_url: String }
+          )
+        end
+        def to_hash
+        end
+      end
+
       class ThirdPartyVerification < Increase::Internal::Type::BaseModel
         OrHash =
           T.type_alias do

data/rbi/increase/models/entity_create_params.rbi

@@ -101,6 +101,23 @@ module Increase
       end
       attr_writer :supplemental_documents
 
+      # The terms that the Entity agreed to. Not all programs are required to submit
+      # this data.
+      sig do
+        returns(
+          T.nilable(T::Array[Increase::EntityCreateParams::TermsAgreement])
+        )
+      end
+      attr_reader :terms_agreements
+
+      sig do
+        params(
+          terms_agreements:
+            T::Array[Increase::EntityCreateParams::TermsAgreement::OrHash]
+        ).void
+      end
+      attr_writer :terms_agreements
+
       # If you are using a third-party service for identity verification, you can use
       # this field to associate this Entity with the identifier that represents them in
       # that service.
@@ -139,6 +156,8 @@ module Increase
             T::Array[
               Increase::EntityCreateParams::SupplementalDocument::OrHash
             ],
+          terms_agreements:
+            T::Array[Increase::EntityCreateParams::TermsAgreement::OrHash],
           third_party_verification:
             Increase::EntityCreateParams::ThirdPartyVerification::OrHash,
           trust: Increase::EntityCreateParams::Trust::OrHash,
@@ -169,6 +188,9 @@ module Increase
         risk_rating: nil,
         # Additional documentation associated with the entity.
         supplemental_documents: nil,
+        # The terms that the Entity agreed to. Not all programs are required to submit
+        # this data.
+        terms_agreements: nil,
         # If you are using a third-party service for identity verification, you can use
         # this field to associate this Entity with the identifier that represents them in
         # that service.
@@ -193,6 +215,8 @@ module Increase
             risk_rating: Increase::EntityCreateParams::RiskRating,
             supplemental_documents:
               T::Array[Increase::EntityCreateParams::SupplementalDocument],
+            terms_agreements:
+              T::Array[Increase::EntityCreateParams::TermsAgreement],
             third_party_verification:
               Increase::EntityCreateParams::ThirdPartyVerification,
             trust: Increase::EntityCreateParams::Trust,
@@ -2785,6 +2809,53 @@ module Increase
         end
       end
 
+      class TermsAgreement < Increase::Internal::Type::BaseModel
+        OrHash =
+          T.type_alias do
+            T.any(
+              Increase::EntityCreateParams::TermsAgreement,
+              Increase::Internal::AnyHash
+            )
+          end
+
+        # The timestamp of when the Entity agreed to the terms.
+        sig { returns(Time) }
+        attr_accessor :agreed_at
+
+        # The IP address the Entity accessed reviewed the terms from.
+        sig { returns(String) }
+        attr_accessor :ip_address
+
+        # The URL of the terms agreement. This link will be provided by your bank partner.
+        sig { returns(String) }
+        attr_accessor :terms_url
+
+        sig do
+          params(
+            agreed_at: Time,
+            ip_address: String,
+            terms_url: String
+          ).returns(T.attached_class)
+        end
+        def self.new(
+          # The timestamp of when the Entity agreed to the terms.
+          agreed_at:,
+          # The IP address the Entity accessed reviewed the terms from.
+          ip_address:,
+          # The URL of the terms agreement. This link will be provided by your bank partner.
+          terms_url:
+        )
+        end
+
+        sig do
+          override.returns(
+            { agreed_at: Time, ip_address: String, terms_url: String }
+          )
+        end
+        def to_hash
+        end
+      end
+
       class ThirdPartyVerification < Increase::Internal::Type::BaseModel
         OrHash =
           T.type_alias do

data/rbi/increase/resources/card_disputes.rbi

@@ -11,6 +11,7 @@ module Increase
           amount: Integer,
           attachment_files:
             T::Array[Increase::CardDisputeCreateParams::AttachmentFile::OrHash],
+          explanation: String,
           visa: Increase::CardDisputeCreateParams::Visa::OrHash,
           request_options: Increase::RequestOptions::OrHash
         ).returns(Increase::CardDispute)
@@ -29,6 +30,9 @@ module Increase
         amount: nil,
         # The files to be attached to the initial dispute submission.
         attachment_files: nil,
+        # The free-form explanation provided to Increase to provide more context for the
+        # user submission. This field is not sent directly to the card networks.
+        explanation: nil,
         # The Visa-specific parameters for the dispute. Required if and only if `network`
         # is `visa`.
         visa: nil,
@@ -89,6 +93,7 @@ module Increase
             T::Array[
               Increase::CardDisputeSubmitUserSubmissionParams::AttachmentFile::OrHash
             ],
+          explanation: String,
           visa: Increase::CardDisputeSubmitUserSubmissionParams::Visa::OrHash,
           request_options: Increase::RequestOptions::OrHash
         ).returns(Increase::CardDispute)
@@ -106,6 +111,9 @@ module Increase
         amount: nil,
         # The files to be attached to the user submission.
         attachment_files: nil,
+        # The free-form explanation provided to Increase to provide more context for the
+        # user submission. This field is not sent directly to the card networks.
+        explanation: nil,
         # The Visa-specific parameters for the dispute. Required if and only if `network`
         # is `visa`.
         visa: nil,

data/rbi/increase/resources/entities.rbi

@@ -18,6 +18,8 @@ module Increase
             T::Array[
               Increase::EntityCreateParams::SupplementalDocument::OrHash
             ],
+          terms_agreements:
+            T::Array[Increase::EntityCreateParams::TermsAgreement::OrHash],
           third_party_verification:
             Increase::EntityCreateParams::ThirdPartyVerification::OrHash,
           trust: Increase::EntityCreateParams::Trust::OrHash,
@@ -48,6 +50,9 @@ module Increase
         risk_rating: nil,
         # Additional documentation associated with the entity.
         supplemental_documents: nil,
+        # The terms that the Entity agreed to. Not all programs are required to submit
+        # this data.
+        terms_agreements: nil,
         # If you are using a third-party service for identity verification, you can use
         # this field to associate this Entity with the identifier that represents them in
         # that service.

data/sig/increase/models/card_dispute.rbs

@@ -1150,6 +1150,7 @@ module Increase
             category: Increase::Models::CardDispute::Visa::UserSubmission::category,
             chargeback: Increase::CardDispute::Visa::UserSubmission::Chargeback?,
             created_at: Time,
+            explanation: String?,
             further_information_requested_at: Time?,
             further_information_requested_reason: String?,
             merchant_prearbitration_decline: Increase::CardDispute::Visa::UserSubmission::MerchantPrearbitrationDecline?,
@@ -1171,6 +1172,8 @@ module Increase
 
           attr_accessor created_at: Time
 
+          attr_accessor explanation: String?
+
           attr_accessor further_information_requested_at: Time?
 
           attr_accessor further_information_requested_reason: String?
@@ -1190,6 +1193,7 @@ module Increase
             category: Increase::Models::CardDispute::Visa::UserSubmission::category,
             chargeback: Increase::CardDispute::Visa::UserSubmission::Chargeback?,
             created_at: Time,
+            explanation: String?,
             further_information_requested_at: Time?,
             further_information_requested_reason: String?,
             merchant_prearbitration_decline: Increase::CardDispute::Visa::UserSubmission::MerchantPrearbitrationDecline?,
@@ -1205,6 +1209,7 @@ module Increase
             category: Increase::Models::CardDispute::Visa::UserSubmission::category,
             chargeback: Increase::CardDispute::Visa::UserSubmission::Chargeback?,
             created_at: Time,
+            explanation: String?,
             further_information_requested_at: Time?,
             further_information_requested_reason: String?,
             merchant_prearbitration_decline: Increase::CardDispute::Visa::UserSubmission::MerchantPrearbitrationDecline?,

data/sig/increase/models/card_dispute_create_params.rbs

@@ -6,6 +6,7 @@ module Increase
         network: Increase::Models::CardDisputeCreateParams::network,
         amount: Integer,
         attachment_files: ::Array[Increase::CardDisputeCreateParams::AttachmentFile],
+        explanation: String,
         visa: Increase::CardDisputeCreateParams::Visa
       }
       & Increase::Internal::Type::request_parameters
@@ -28,6 +29,10 @@ module Increase
         ::Array[Increase::CardDisputeCreateParams::AttachmentFile]
       ) -> ::Array[Increase::CardDisputeCreateParams::AttachmentFile]
 
+      attr_reader explanation: String?
+
+      def explanation=: (String) -> String
+
       attr_reader visa: Increase::CardDisputeCreateParams::Visa?
 
       def visa=: (
@@ -39,6 +44,7 @@ module Increase
         network: Increase::Models::CardDisputeCreateParams::network,
         ?amount: Integer,
         ?attachment_files: ::Array[Increase::CardDisputeCreateParams::AttachmentFile],
+        ?explanation: String,
         ?visa: Increase::CardDisputeCreateParams::Visa,
         ?request_options: Increase::request_opts
       ) -> void
@@ -48,6 +54,7 @@ module Increase
         network: Increase::Models::CardDisputeCreateParams::network,
         amount: Integer,
         attachment_files: ::Array[Increase::CardDisputeCreateParams::AttachmentFile],
+        explanation: String,
         visa: Increase::CardDisputeCreateParams::Visa,
         request_options: Increase::RequestOptions
       }

data/sig/increase/models/card_dispute_submit_user_submission_params.rbs

@@ -5,6 +5,7 @@ module Increase
         network: Increase::Models::CardDisputeSubmitUserSubmissionParams::network,
         amount: Integer,
         attachment_files: ::Array[Increase::CardDisputeSubmitUserSubmissionParams::AttachmentFile],
+        explanation: String,
         visa: Increase::CardDisputeSubmitUserSubmissionParams::Visa
       }
       & Increase::Internal::Type::request_parameters
@@ -25,6 +26,10 @@ module Increase
         ::Array[Increase::CardDisputeSubmitUserSubmissionParams::AttachmentFile]
       ) -> ::Array[Increase::CardDisputeSubmitUserSubmissionParams::AttachmentFile]
 
+      attr_reader explanation: String?
+
+      def explanation=: (String) -> String
+
       attr_reader visa: Increase::CardDisputeSubmitUserSubmissionParams::Visa?
 
       def visa=: (
@@ -35,6 +40,7 @@ module Increase
         network: Increase::Models::CardDisputeSubmitUserSubmissionParams::network,
         ?amount: Integer,
         ?attachment_files: ::Array[Increase::CardDisputeSubmitUserSubmissionParams::AttachmentFile],
+        ?explanation: String,
         ?visa: Increase::CardDisputeSubmitUserSubmissionParams::Visa,
         ?request_options: Increase::request_opts
       ) -> void
@@ -43,6 +49,7 @@ module Increase
         network: Increase::Models::CardDisputeSubmitUserSubmissionParams::network,
         amount: Integer,
         attachment_files: ::Array[Increase::CardDisputeSubmitUserSubmissionParams::AttachmentFile],
+        explanation: String,
         visa: Increase::CardDisputeSubmitUserSubmissionParams::Visa,
         request_options: Increase::RequestOptions
       }

data/sig/increase/models/entity.rbs

@@ -15,6 +15,7 @@ module Increase
         status: Increase::Models::Entity::status,
         structure: Increase::Models::Entity::structure,
         supplemental_documents: ::Array[Increase::EntitySupplementalDocument],
+        terms_agreements: ::Array[Increase::Entity::TermsAgreement],
         third_party_verification: Increase::Entity::ThirdPartyVerification?,
         trust: Increase::Entity::Trust?,
         type: Increase::Models::Entity::type_
@@ -47,6 +48,8 @@ module Increase
 
       attr_accessor supplemental_documents: ::Array[Increase::EntitySupplementalDocument]
 
+      attr_accessor terms_agreements: ::Array[Increase::Entity::TermsAgreement]
+
       attr_accessor third_party_verification: Increase::Entity::ThirdPartyVerification?
 
       attr_accessor trust: Increase::Entity::Trust?
@@ -67,6 +70,7 @@ module Increase
         status: Increase::Models::Entity::status,
         structure: Increase::Models::Entity::structure,
         supplemental_documents: ::Array[Increase::EntitySupplementalDocument],
+        terms_agreements: ::Array[Increase::Entity::TermsAgreement],
         third_party_verification: Increase::Entity::ThirdPartyVerification?,
         trust: Increase::Entity::Trust?,
         type: Increase::Models::Entity::type_
@@ -86,6 +90,7 @@ module Increase
         status: Increase::Models::Entity::status,
         structure: Increase::Models::Entity::structure,
         supplemental_documents: ::Array[Increase::EntitySupplementalDocument],
+        terms_agreements: ::Array[Increase::Entity::TermsAgreement],
         third_party_verification: Increase::Entity::ThirdPartyVerification?,
         trust: Increase::Entity::Trust?,
         type: Increase::Models::Entity::type_
@@ -799,6 +804,29 @@ module Increase
         def self?.values: -> ::Array[Increase::Models::Entity::structure]
       end
 
+      type terms_agreement =
+        { agreed_at: Time, ip_address: String, terms_url: String }
+
+      class TermsAgreement < Increase::Internal::Type::BaseModel
+        attr_accessor agreed_at: Time
+
+        attr_accessor ip_address: String
+
+        attr_accessor terms_url: String
+
+        def initialize: (
+          agreed_at: Time,
+          ip_address: String,
+          terms_url: String
+        ) -> void
+
+        def to_hash: -> {
+          agreed_at: Time,
+          ip_address: String,
+          terms_url: String
+        }
+      end
+
       type third_party_verification =
         {
           reference: String,

data/sig/increase/models/entity_create_params.rbs

@@ -10,6 +10,7 @@ module Increase
         natural_person: Increase::EntityCreateParams::NaturalPerson,
         risk_rating: Increase::EntityCreateParams::RiskRating,
         supplemental_documents: ::Array[Increase::EntityCreateParams::SupplementalDocument],
+        terms_agreements: ::Array[Increase::EntityCreateParams::TermsAgreement],
         third_party_verification: Increase::EntityCreateParams::ThirdPartyVerification,
         trust: Increase::EntityCreateParams::Trust
       }
@@ -61,6 +62,12 @@ module Increase
         ::Array[Increase::EntityCreateParams::SupplementalDocument]
       ) -> ::Array[Increase::EntityCreateParams::SupplementalDocument]
 
+      attr_reader terms_agreements: ::Array[Increase::EntityCreateParams::TermsAgreement]?
+
+      def terms_agreements=: (
+        ::Array[Increase::EntityCreateParams::TermsAgreement]
+      ) -> ::Array[Increase::EntityCreateParams::TermsAgreement]
+
       attr_reader third_party_verification: Increase::EntityCreateParams::ThirdPartyVerification?
 
       def third_party_verification=: (
@@ -82,6 +89,7 @@ module Increase
         ?natural_person: Increase::EntityCreateParams::NaturalPerson,
         ?risk_rating: Increase::EntityCreateParams::RiskRating,
         ?supplemental_documents: ::Array[Increase::EntityCreateParams::SupplementalDocument],
+        ?terms_agreements: ::Array[Increase::EntityCreateParams::TermsAgreement],
         ?third_party_verification: Increase::EntityCreateParams::ThirdPartyVerification,
         ?trust: Increase::EntityCreateParams::Trust,
         ?request_options: Increase::request_opts
@@ -96,6 +104,7 @@ module Increase
         natural_person: Increase::EntityCreateParams::NaturalPerson,
         risk_rating: Increase::EntityCreateParams::RiskRating,
         supplemental_documents: ::Array[Increase::EntityCreateParams::SupplementalDocument],
+        terms_agreements: ::Array[Increase::EntityCreateParams::TermsAgreement],
         third_party_verification: Increase::EntityCreateParams::ThirdPartyVerification,
         trust: Increase::EntityCreateParams::Trust,
         request_options: Increase::RequestOptions
@@ -1248,6 +1257,29 @@ module Increase
         def to_hash: -> { file_id: String }
       end
 
+      type terms_agreement =
+        { agreed_at: Time, ip_address: String, terms_url: String }
+
+      class TermsAgreement < Increase::Internal::Type::BaseModel
+        attr_accessor agreed_at: Time
+
+        attr_accessor ip_address: String
+
+        attr_accessor terms_url: String
+
+        def initialize: (
+          agreed_at: Time,
+          ip_address: String,
+          terms_url: String
+        ) -> void
+
+        def to_hash: -> {
+          agreed_at: Time,
+          ip_address: String,
+          terms_url: String
+        }
+      end
+
       type third_party_verification =
         {
           reference: String,

data/sig/increase/resources/card_disputes.rbs

@@ -6,6 +6,7 @@ module Increase
         network: Increase::Models::CardDisputeCreateParams::network,
         ?amount: Integer,
         ?attachment_files: ::Array[Increase::CardDisputeCreateParams::AttachmentFile],
+        ?explanation: String,
         ?visa: Increase::CardDisputeCreateParams::Visa,
         ?request_options: Increase::request_opts
       ) -> Increase::CardDispute
@@ -29,6 +30,7 @@ module Increase
         network: Increase::Models::CardDisputeSubmitUserSubmissionParams::network,
         ?amount: Integer,
         ?attachment_files: ::Array[Increase::CardDisputeSubmitUserSubmissionParams::AttachmentFile],
+        ?explanation: String,
         ?visa: Increase::CardDisputeSubmitUserSubmissionParams::Visa,
         ?request_options: Increase::request_opts
       ) -> Increase::CardDispute

data/sig/increase/resources/entities.rbs

@@ -10,6 +10,7 @@ module Increase
         ?natural_person: Increase::EntityCreateParams::NaturalPerson,
         ?risk_rating: Increase::EntityCreateParams::RiskRating,
         ?supplemental_documents: ::Array[Increase::EntityCreateParams::SupplementalDocument],
+        ?terms_agreements: ::Array[Increase::EntityCreateParams::TermsAgreement],
         ?third_party_verification: Increase::EntityCreateParams::ThirdPartyVerification,
         ?trust: Increase::EntityCreateParams::Trust,
         ?request_options: Increase::request_opts

metadata

@@ -1,14 +1,14 @@
 --- !ruby/object:Gem::Specification
 name: increase
 version: !ruby/object:Gem::Version
-  version: 1.170.0
+  version: 1.172.0
 platform: ruby
 authors:
 - Increase
 autorequire:
 bindir: bin
 cert_chain: []
-date: 2026-01-01 00:00:00.000000000 Z
+date: 2026-01-06 00:00:00.000000000 Z
 dependencies:
 - !ruby/object:Gem::Dependency
   name: connection_pool