increase 1.171.0 → 1.173.0

checksums.yaml

@@ -1,7 +1,7 @@
 ---
 SHA256:
-  metadata.gz: bf479961e101c6eb36453f95deedb7882d423857ef53e400994ba8fb510720b0
-  data.tar.gz: c0d4a15b9864b7bace063191707936cde539ca8da84a888c57ad6eb3e88656cb
+  metadata.gz: a0a47f29c8c083c113f89f67ec8c1dfea3dd86be84076ef5f769012e0babb1d3
+  data.tar.gz: c66505dd6528012238e2f15e90eae4611b50b9bc9c6bac98a7c19a1ba4c51d18
 SHA512:
-  metadata.gz: 64d64411025bdcc02e66f392f81d416f2e89fa2a4e0446b34c94181e36ffce9bc629adc254099beb9e2a6a86e553c734fc69e7db00ccb1b9691989ec7a8fbf4e
-  data.tar.gz: fbf30813d6b66bbbb705ec6fef5529e0c2030fe5e189dc8749d3b3426c89a68d8399656f1c4c9ca1de43b2d42b90818659b2931dfdf7242f421e57a92c9a9178
+  metadata.gz: d4b56c0373cedcbf3c6f278a83ed2effb703b9066dde7c7395daecec956bb7c49e5601ce6c9fad484b8cf637e23e021b20ab7fb4d394391ae65f9c1d12fa9e27
+  data.tar.gz: ceca78ac12c8dde3d14744352f4a1ce0b85cbba96ce5412051cc6f53a31b735c3fda99576dddf418af924e2ad68a64077a6d84d51c7877941af6d57b1e639b86

data/CHANGELOG.md

@@ -1,5 +1,21 @@
 # Changelog
 
+## 1.173.0 (2026-01-07)
+
+Full Changelog: [v1.172.0...v1.173.0](https://github.com/Increase/increase-ruby/compare/v1.172.0...v1.173.0)
+
+### Features
+
+* **api:** api update ([ca3e263](https://github.com/Increase/increase-ruby/commit/ca3e2631c92ccf0a937d01ebe83dcc8f29e8b7cb))
+
+## 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)

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", "~> 1.171.0"
+gem "increase", "~> 1.173.0"
 ```
 
 <!-- x-release-please-end -->

data/lib/increase/models/card_dispute.rb

@@ -4600,6 +4600,12 @@ module Increase
               required :cardholder_cancellation,
                        -> { Increase::CardDispute::Visa::UserSubmission::Chargeback::ConsumerServicesNotAsDescribed::CardholderCancellation }
 
+              # @!attribute explanation
+              #   Explanation of what was ordered and was not as described.
+              #
+              #   @return [String]
+              required :explanation, String
+
               # @!attribute merchant_resolution_attempted
               #   Merchant resolution attempted.
               #
@@ -4613,12 +4619,14 @@ module Increase
               #   @return [Date]
               required :received_at, Date
 
-              # @!method initialize(cardholder_cancellation:, merchant_resolution_attempted:, received_at:)
+              # @!method initialize(cardholder_cancellation:, explanation:, merchant_resolution_attempted:, received_at:)
               #   Services not as described. Present if and only if `category` is
               #   `consumer_services_not_as_described`.
               #
               #   @param cardholder_cancellation [Increase::Models::CardDispute::Visa::UserSubmission::Chargeback::ConsumerServicesNotAsDescribed::CardholderCancellation] Cardholder cancellation.
               #
+              #   @param explanation [String] Explanation of what was ordered and was not as described.
+              #
               #   @param merchant_resolution_attempted [Symbol, Increase::Models::CardDispute::Visa::UserSubmission::Chargeback::ConsumerServicesNotAsDescribed::MerchantResolutionAttempted] Merchant resolution attempted.
               #
               #   @param received_at [Date] Received at.

data/lib/increase/models/card_dispute_create_params.rb

@@ -2870,6 +2870,12 @@ module Increase
           required :cardholder_cancellation,
                    -> { Increase::CardDisputeCreateParams::Visa::ConsumerServicesNotAsDescribed::CardholderCancellation }
 
+          # @!attribute explanation
+          #   Explanation of what was ordered and was not as described.
+          #
+          #   @return [String]
+          required :explanation, String
+
           # @!attribute merchant_resolution_attempted
           #   Merchant resolution attempted.
           #
@@ -2883,12 +2889,14 @@ module Increase
           #   @return [Date]
           required :received_at, Date
 
-          # @!method initialize(cardholder_cancellation:, merchant_resolution_attempted:, received_at:)
+          # @!method initialize(cardholder_cancellation:, explanation:, merchant_resolution_attempted:, received_at:)
           #   Services not as described. Required if and only if `category` is
           #   `consumer_services_not_as_described`.
           #
           #   @param cardholder_cancellation [Increase::Models::CardDisputeCreateParams::Visa::ConsumerServicesNotAsDescribed::CardholderCancellation] Cardholder cancellation.
           #
+          #   @param explanation [String] Explanation of what was ordered and was not as described.
+          #
           #   @param merchant_resolution_attempted [Symbol, Increase::Models::CardDisputeCreateParams::Visa::ConsumerServicesNotAsDescribed::MerchantResolutionAttempted] Merchant resolution attempted.
           #
           #   @param received_at [Date] Received at.

data/lib/increase/models/card_dispute_submit_user_submission_params.rb

@@ -2939,6 +2939,12 @@ module Increase
             required :cardholder_cancellation,
                      -> { Increase::CardDisputeSubmitUserSubmissionParams::Visa::Chargeback::ConsumerServicesNotAsDescribed::CardholderCancellation }
 
+            # @!attribute explanation
+            #   Explanation of what was ordered and was not as described.
+            #
+            #   @return [String]
+            required :explanation, String
+
             # @!attribute merchant_resolution_attempted
             #   Merchant resolution attempted.
             #
@@ -2952,12 +2958,14 @@ module Increase
             #   @return [Date]
             required :received_at, Date
 
-            # @!method initialize(cardholder_cancellation:, merchant_resolution_attempted:, received_at:)
+            # @!method initialize(cardholder_cancellation:, explanation:, merchant_resolution_attempted:, received_at:)
             #   Services not as described. Required if and only if `category` is
             #   `consumer_services_not_as_described`.
             #
             #   @param cardholder_cancellation [Increase::Models::CardDisputeSubmitUserSubmissionParams::Visa::Chargeback::ConsumerServicesNotAsDescribed::CardholderCancellation] Cardholder cancellation.
             #
+            #   @param explanation [String] Explanation of what was ordered and was not as described.
+            #
             #   @param merchant_resolution_attempted [Symbol, Increase::Models::CardDisputeSubmitUserSubmissionParams::Visa::Chargeback::ConsumerServicesNotAsDescribed::MerchantResolutionAttempted] Merchant resolution attempted.
             #
             #   @param received_at [Date] Received at.

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/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 = "1.171.0"
+  VERSION = "1.173.0"
 end

data/rbi/increase/models/card_dispute.rbi

@@ -9599,6 +9599,10 @@ module Increase
               end
               attr_writer :cardholder_cancellation
 
+              # Explanation of what was ordered and was not as described.
+              sig { returns(String) }
+              attr_accessor :explanation
+
               # Merchant resolution attempted.
               sig do
                 returns(
@@ -9617,6 +9621,7 @@ module Increase
                 params(
                   cardholder_cancellation:
                     Increase::CardDispute::Visa::UserSubmission::Chargeback::ConsumerServicesNotAsDescribed::CardholderCancellation::OrHash,
+                  explanation: String,
                   merchant_resolution_attempted:
                     Increase::CardDispute::Visa::UserSubmission::Chargeback::ConsumerServicesNotAsDescribed::MerchantResolutionAttempted::OrSymbol,
                   received_at: Date
@@ -9625,6 +9630,8 @@ module Increase
               def self.new(
                 # Cardholder cancellation.
                 cardholder_cancellation:,
+                # Explanation of what was ordered and was not as described.
+                explanation:,
                 # Merchant resolution attempted.
                 merchant_resolution_attempted:,
                 # Received at.
@@ -9637,6 +9644,7 @@ module Increase
                   {
                     cardholder_cancellation:
                       Increase::CardDispute::Visa::UserSubmission::Chargeback::ConsumerServicesNotAsDescribed::CardholderCancellation,
+                    explanation: String,
                     merchant_resolution_attempted:
                       Increase::CardDispute::Visa::UserSubmission::Chargeback::ConsumerServicesNotAsDescribed::MerchantResolutionAttempted::TaggedSymbol,
                     received_at: Date

data/rbi/increase/models/card_dispute_create_params.rbi

@@ -6041,6 +6041,10 @@ module Increase
           end
           attr_writer :cardholder_cancellation
 
+          # Explanation of what was ordered and was not as described.
+          sig { returns(String) }
+          attr_accessor :explanation
+
           # Merchant resolution attempted.
           sig do
             returns(
@@ -6059,6 +6063,7 @@ module Increase
             params(
               cardholder_cancellation:
                 Increase::CardDisputeCreateParams::Visa::ConsumerServicesNotAsDescribed::CardholderCancellation::OrHash,
+              explanation: String,
               merchant_resolution_attempted:
                 Increase::CardDisputeCreateParams::Visa::ConsumerServicesNotAsDescribed::MerchantResolutionAttempted::OrSymbol,
               received_at: Date
@@ -6067,6 +6072,8 @@ module Increase
           def self.new(
             # Cardholder cancellation.
             cardholder_cancellation:,
+            # Explanation of what was ordered and was not as described.
+            explanation:,
             # Merchant resolution attempted.
             merchant_resolution_attempted:,
             # Received at.
@@ -6079,6 +6086,7 @@ module Increase
               {
                 cardholder_cancellation:
                   Increase::CardDisputeCreateParams::Visa::ConsumerServicesNotAsDescribed::CardholderCancellation,
+                explanation: String,
                 merchant_resolution_attempted:
                   Increase::CardDisputeCreateParams::Visa::ConsumerServicesNotAsDescribed::MerchantResolutionAttempted::OrSymbol,
                 received_at: Date

data/rbi/increase/models/card_dispute_submit_user_submission_params.rbi

@@ -6250,6 +6250,10 @@ module Increase
             end
             attr_writer :cardholder_cancellation
 
+            # Explanation of what was ordered and was not as described.
+            sig { returns(String) }
+            attr_accessor :explanation
+
             # Merchant resolution attempted.
             sig do
               returns(
@@ -6268,6 +6272,7 @@ module Increase
               params(
                 cardholder_cancellation:
                   Increase::CardDisputeSubmitUserSubmissionParams::Visa::Chargeback::ConsumerServicesNotAsDescribed::CardholderCancellation::OrHash,
+                explanation: String,
                 merchant_resolution_attempted:
                   Increase::CardDisputeSubmitUserSubmissionParams::Visa::Chargeback::ConsumerServicesNotAsDescribed::MerchantResolutionAttempted::OrSymbol,
                 received_at: Date
@@ -6276,6 +6281,8 @@ module Increase
             def self.new(
               # Cardholder cancellation.
               cardholder_cancellation:,
+              # Explanation of what was ordered and was not as described.
+              explanation:,
               # Merchant resolution attempted.
               merchant_resolution_attempted:,
               # Received at.
@@ -6288,6 +6295,7 @@ module Increase
                 {
                   cardholder_cancellation:
                     Increase::CardDisputeSubmitUserSubmissionParams::Visa::Chargeback::ConsumerServicesNotAsDescribed::CardholderCancellation,
+                  explanation: String,
                   merchant_resolution_attempted:
                     Increase::CardDisputeSubmitUserSubmissionParams::Visa::Chargeback::ConsumerServicesNotAsDescribed::MerchantResolutionAttempted::OrSymbol,
                   received_at: Date

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/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

@@ -3510,6 +3510,7 @@ module Increase
             type consumer_services_not_as_described =
               {
                 cardholder_cancellation: Increase::CardDispute::Visa::UserSubmission::Chargeback::ConsumerServicesNotAsDescribed::CardholderCancellation,
+                explanation: String,
                 merchant_resolution_attempted: Increase::Models::CardDispute::Visa::UserSubmission::Chargeback::ConsumerServicesNotAsDescribed::merchant_resolution_attempted,
                 received_at: Date
               }
@@ -3517,18 +3518,22 @@ module Increase
             class ConsumerServicesNotAsDescribed < Increase::Internal::Type::BaseModel
               attr_accessor cardholder_cancellation: Increase::CardDispute::Visa::UserSubmission::Chargeback::ConsumerServicesNotAsDescribed::CardholderCancellation
 
+              attr_accessor explanation: String
+
               attr_accessor merchant_resolution_attempted: Increase::Models::CardDispute::Visa::UserSubmission::Chargeback::ConsumerServicesNotAsDescribed::merchant_resolution_attempted
 
               attr_accessor received_at: Date
 
               def initialize: (
                 cardholder_cancellation: Increase::CardDispute::Visa::UserSubmission::Chargeback::ConsumerServicesNotAsDescribed::CardholderCancellation,
+                explanation: String,
                 merchant_resolution_attempted: Increase::Models::CardDispute::Visa::UserSubmission::Chargeback::ConsumerServicesNotAsDescribed::merchant_resolution_attempted,
                 received_at: Date
               ) -> void
 
               def to_hash: -> {
                 cardholder_cancellation: Increase::CardDispute::Visa::UserSubmission::Chargeback::ConsumerServicesNotAsDescribed::CardholderCancellation,
+                explanation: String,
                 merchant_resolution_attempted: Increase::Models::CardDispute::Visa::UserSubmission::Chargeback::ConsumerServicesNotAsDescribed::merchant_resolution_attempted,
                 received_at: Date
               }

data/sig/increase/models/card_dispute_create_params.rbs

@@ -2557,6 +2557,7 @@ module Increase
         type consumer_services_not_as_described =
           {
             cardholder_cancellation: Increase::CardDisputeCreateParams::Visa::ConsumerServicesNotAsDescribed::CardholderCancellation,
+            explanation: String,
             merchant_resolution_attempted: Increase::Models::CardDisputeCreateParams::Visa::ConsumerServicesNotAsDescribed::merchant_resolution_attempted,
             received_at: Date
           }
@@ -2564,18 +2565,22 @@ module Increase
         class ConsumerServicesNotAsDescribed < Increase::Internal::Type::BaseModel
           attr_accessor cardholder_cancellation: Increase::CardDisputeCreateParams::Visa::ConsumerServicesNotAsDescribed::CardholderCancellation
 
+          attr_accessor explanation: String
+
           attr_accessor merchant_resolution_attempted: Increase::Models::CardDisputeCreateParams::Visa::ConsumerServicesNotAsDescribed::merchant_resolution_attempted
 
           attr_accessor received_at: Date
 
           def initialize: (
             cardholder_cancellation: Increase::CardDisputeCreateParams::Visa::ConsumerServicesNotAsDescribed::CardholderCancellation,
+            explanation: String,
             merchant_resolution_attempted: Increase::Models::CardDisputeCreateParams::Visa::ConsumerServicesNotAsDescribed::merchant_resolution_attempted,
             received_at: Date
           ) -> void
 
           def to_hash: -> {
             cardholder_cancellation: Increase::CardDisputeCreateParams::Visa::ConsumerServicesNotAsDescribed::CardholderCancellation,
+            explanation: String,
             merchant_resolution_attempted: Increase::Models::CardDisputeCreateParams::Visa::ConsumerServicesNotAsDescribed::merchant_resolution_attempted,
             received_at: Date
           }

data/sig/increase/models/card_dispute_submit_user_submission_params.rbs

@@ -2614,6 +2614,7 @@ module Increase
           type consumer_services_not_as_described =
             {
               cardholder_cancellation: Increase::CardDisputeSubmitUserSubmissionParams::Visa::Chargeback::ConsumerServicesNotAsDescribed::CardholderCancellation,
+              explanation: String,
               merchant_resolution_attempted: Increase::Models::CardDisputeSubmitUserSubmissionParams::Visa::Chargeback::ConsumerServicesNotAsDescribed::merchant_resolution_attempted,
               received_at: Date
             }
@@ -2621,18 +2622,22 @@ module Increase
           class ConsumerServicesNotAsDescribed < Increase::Internal::Type::BaseModel
             attr_accessor cardholder_cancellation: Increase::CardDisputeSubmitUserSubmissionParams::Visa::Chargeback::ConsumerServicesNotAsDescribed::CardholderCancellation
 
+            attr_accessor explanation: String
+
             attr_accessor merchant_resolution_attempted: Increase::Models::CardDisputeSubmitUserSubmissionParams::Visa::Chargeback::ConsumerServicesNotAsDescribed::merchant_resolution_attempted
 
             attr_accessor received_at: Date
 
             def initialize: (
               cardholder_cancellation: Increase::CardDisputeSubmitUserSubmissionParams::Visa::Chargeback::ConsumerServicesNotAsDescribed::CardholderCancellation,
+              explanation: String,
               merchant_resolution_attempted: Increase::Models::CardDisputeSubmitUserSubmissionParams::Visa::Chargeback::ConsumerServicesNotAsDescribed::merchant_resolution_attempted,
               received_at: Date
             ) -> void
 
             def to_hash: -> {
               cardholder_cancellation: Increase::CardDisputeSubmitUserSubmissionParams::Visa::Chargeback::ConsumerServicesNotAsDescribed::CardholderCancellation,
+              explanation: String,
               merchant_resolution_attempted: Increase::Models::CardDisputeSubmitUserSubmissionParams::Visa::Chargeback::ConsumerServicesNotAsDescribed::merchant_resolution_attempted,
               received_at: Date
             }

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/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: 1.171.0
+  version: 1.173.0
 platform: ruby
 authors:
 - Increase
 autorequire:
 bindir: bin
 cert_chain: []
-date: 2026-01-05 00:00:00.000000000 Z
+date: 2026-01-07 00:00:00.000000000 Z
 dependencies:
 - !ruby/object:Gem::Dependency
   name: connection_pool