increase 1.203.0 → 1.205.0

checksums.yaml

@@ -1,7 +1,7 @@
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data/CHANGELOG.md

@@ -1,5 +1,21 @@
 # Changelog
 
+## 1.205.0 (2026-02-07)
+
+Full Changelog: [v1.204.0...v1.205.0](https://github.com/Increase/increase-ruby/compare/v1.204.0...v1.205.0)
+
+### Features
+
+* **api:** api update ([2cfbf48](https://github.com/Increase/increase-ruby/commit/2cfbf484dc0b54d67f94891c4f0894024a447d82))
+
+## 1.204.0 (2026-02-07)
+
+Full Changelog: [v1.203.0...v1.204.0](https://github.com/Increase/increase-ruby/compare/v1.203.0...v1.204.0)
+
+### Features
+
+* **api:** api update ([eb834f0](https://github.com/Increase/increase-ruby/commit/eb834f0ed9bfdec907c8c6e78fb5d102c9e24694))
+
 ## 1.203.0 (2026-02-06)
 
 Full Changelog: [v1.202.1...v1.203.0](https://github.com/Increase/increase-ruby/compare/v1.202.1...v1.203.0)

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", "~> 1.203.0"
+gem "increase", "~> 1.205.0"
 ```
 
 <!-- x-release-please-end -->

data/lib/increase/models/account_transfer.rb

@@ -215,55 +215,41 @@ module Increase
 
       # @see Increase::Models::AccountTransfer#created_by
       class CreatedBy < Increase::Internal::Type::BaseModel
-        # @!attribute api_key
-        #   If present, details about the API key that created the transfer.
-        #
-        #   @return [Increase::Models::AccountTransfer::CreatedBy::APIKey, nil]
-        required :api_key, -> { Increase::AccountTransfer::CreatedBy::APIKey }, nil?: true
-
         # @!attribute category
         #   The type of object that created this transfer.
         #
         #   @return [Symbol, Increase::Models::AccountTransfer::CreatedBy::Category]
         required :category, enum: -> { Increase::AccountTransfer::CreatedBy::Category }
 
+        # @!attribute api_key
+        #   If present, details about the API key that created the transfer.
+        #
+        #   @return [Increase::Models::AccountTransfer::CreatedBy::APIKey, nil]
+        optional :api_key, -> { Increase::AccountTransfer::CreatedBy::APIKey }, nil?: true
+
         # @!attribute oauth_application
         #   If present, details about the OAuth Application that created the transfer.
         #
         #   @return [Increase::Models::AccountTransfer::CreatedBy::OAuthApplication, nil]
-        required :oauth_application, -> { Increase::AccountTransfer::CreatedBy::OAuthApplication }, nil?: true
+        optional :oauth_application, -> { Increase::AccountTransfer::CreatedBy::OAuthApplication }, nil?: true
 
         # @!attribute user
         #   If present, details about the User that created the transfer.
         #
         #   @return [Increase::Models::AccountTransfer::CreatedBy::User, nil]
-        required :user, -> { Increase::AccountTransfer::CreatedBy::User }, nil?: true
+        optional :user, -> { Increase::AccountTransfer::CreatedBy::User }, nil?: true
 
-        # @!method initialize(api_key:, category:, oauth_application:, user:)
+        # @!method initialize(category:, api_key: nil, oauth_application: nil, user: nil)
         #   What object created the transfer, either via the API or the dashboard.
         #
-        #   @param api_key [Increase::Models::AccountTransfer::CreatedBy::APIKey, nil] If present, details about the API key that created the transfer.
-        #
         #   @param category [Symbol, Increase::Models::AccountTransfer::CreatedBy::Category] The type of object that created this transfer.
         #
+        #   @param api_key [Increase::Models::AccountTransfer::CreatedBy::APIKey, nil] If present, details about the API key that created the transfer.
+        #
         #   @param oauth_application [Increase::Models::AccountTransfer::CreatedBy::OAuthApplication, nil] If present, details about the OAuth Application that created the transfer.
         #
         #   @param user [Increase::Models::AccountTransfer::CreatedBy::User, nil] If present, details about the User that created the transfer.
 
-        # @see Increase::Models::AccountTransfer::CreatedBy#api_key
-        class APIKey < Increase::Internal::Type::BaseModel
-          # @!attribute description
-          #   The description set for the API key when it was created.
-          #
-          #   @return [String, nil]
-          required :description, String, nil?: true
-
-          # @!method initialize(description:)
-          #   If present, details about the API key that created the transfer.
-          #
-          #   @param description [String, nil] The description set for the API key when it was created.
-        end
-
         # The type of object that created this transfer.
         #
         # @see Increase::Models::AccountTransfer::CreatedBy#category
@@ -283,6 +269,20 @@ module Increase
           #   @return [Array<Symbol>]
         end
 
+        # @see Increase::Models::AccountTransfer::CreatedBy#api_key
+        class APIKey < Increase::Internal::Type::BaseModel
+          # @!attribute description
+          #   The description set for the API key when it was created.
+          #
+          #   @return [String, nil]
+          required :description, String, nil?: true
+
+          # @!method initialize(description:)
+          #   If present, details about the API key that created the transfer.
+          #
+          #   @param description [String, nil] The description set for the API key when it was created.
+        end
+
         # @see Increase::Models::AccountTransfer::CreatedBy#oauth_application
         class OAuthApplication < Increase::Internal::Type::BaseModel
           # @!attribute name

data/lib/increase/models/ach_prenotification.rb

@@ -342,7 +342,7 @@ module Increase
         module ReturnReasonCode
           extend Increase::Internal::Type::Enum
 
-          # Code R01. Insufficient funds in the receiving account. Sometimes abbreviated to NSF.
+          # Code R01. Insufficient funds in the receiving account. Sometimes abbreviated to "NSF."
           INSUFFICIENT_FUND = :insufficient_fund
 
           # Code R03. The account does not exist or the receiving bank was unable to locate it.
@@ -354,13 +354,13 @@ module Increase
           # Code R04. The account number is invalid at the receiving bank.
           INVALID_ACCOUNT_NUMBER_STRUCTURE = :invalid_account_number_structure
 
-          # Code R16. The account at the receiving bank was frozen per the Office of Foreign Assets Control.
+          # Code R16. This return code has two separate meanings. (1) The receiving bank froze the account or (2) the Office of Foreign Assets Control (OFAC) instructed the receiving bank to return the entry.
           ACCOUNT_FROZEN_ENTRY_RETURNED_PER_OFAC_INSTRUCTION = :account_frozen_entry_returned_per_ofac_instruction
 
-          # Code R23. The receiving bank account refused a credit transfer.
+          # Code R23. The receiving bank refused the credit transfer.
           CREDIT_ENTRY_REFUSED_BY_RECEIVER = :credit_entry_refused_by_receiver
 
-          # Code R05. The receiving bank rejected because of an incorrect Standard Entry Class code.
+          # Code R05. The receiving bank rejected because of an incorrect Standard Entry Class code. Consumer accounts cannot be debited as `corporate_credit_or_debit` or `corporate_trade_exchange`.
           UNAUTHORIZED_DEBIT_TO_CONSUMER_ACCOUNT_USING_CORPORATE_SEC_CODE =
             :unauthorized_debit_to_consumer_account_using_corporate_sec_code
 
@@ -370,7 +370,7 @@ module Increase
           # Code R08. The receiving bank stopped payment on this transfer.
           PAYMENT_STOPPED = :payment_stopped
 
-          # Code R20. The receiving bank account does not perform transfers.
+          # Code R20. The account is not eligible for ACH, such as a savings account with transaction limits.
           NON_TRANSACTION_ACCOUNT = :non_transaction_account
 
           # Code R09. The receiving bank account does not have enough available balance for the transfer.
@@ -386,7 +386,7 @@ module Increase
           # Code R19. The amount field is incorrect or too large.
           AMOUNT_FIELD_ERROR = :amount_field_error
 
-          # Code R07. The customer at the receiving institution informed their bank that they have revoked authorization for a previously authorized transfer.
+          # Code R07. The customer revoked their authorization for a previously authorized transfer.
           AUTHORIZATION_REVOKED_BY_CUSTOMER = :authorization_revoked_by_customer
 
           # Code R13. The routing number is invalid.
@@ -395,7 +395,7 @@ module Increase
           # Code R17. The receiving bank is unable to process a field in the transfer.
           FILE_RECORD_EDIT_CRITERIA = :file_record_edit_criteria
 
-          # Code R45. The individual name field was invalid.
+          # Code R45. A rare return reason. The individual name field was invalid.
           ENR_INVALID_INDIVIDUAL_NAME = :enr_invalid_individual_name
 
           # Code R06. The originating financial institution asked for this transfer to be returned. The receiving bank is complying with the request.
@@ -528,7 +528,7 @@ module Increase
           # Code R35. A rare return reason. Return of a malformed debit entry.
           RETURN_OF_IMPROPER_DEBIT_ENTRY = :return_of_improper_debit_entry
 
-          # Code R33. A rare return reason. Return of a Destroyed Check ("XKC") entry.
+          # Code R33. A rare return reason. Return of a destroyed check ("XCK") entry.
           RETURN_OF_XCK_ENTRY = :return_of_xck_entry
 
           # Code R37. A rare return reason. The source document related to this ACH, usually an ACH check conversion, was presented to the bank.

data/lib/increase/models/ach_transfer.rb

@@ -361,18 +361,18 @@ module Increase
         #   Unstructured `payment_related_information` passed through with the transfer.
         #
         #   @return [Increase::Models::ACHTransfer::Addenda::Freeform, nil]
-        required :freeform, -> { Increase::ACHTransfer::Addenda::Freeform }, nil?: true
+        optional :freeform, -> { Increase::ACHTransfer::Addenda::Freeform }, nil?: true
 
         # @!attribute payment_order_remittance_advice
         #   Structured ASC X12 820 remittance advice records. Please reach out to
         #   [support@increase.com](mailto:support@increase.com) for more information.
         #
         #   @return [Increase::Models::ACHTransfer::Addenda::PaymentOrderRemittanceAdvice, nil]
-        required :payment_order_remittance_advice,
+        optional :payment_order_remittance_advice,
                  -> { Increase::ACHTransfer::Addenda::PaymentOrderRemittanceAdvice },
                  nil?: true
 
-        # @!method initialize(category:, freeform:, payment_order_remittance_advice:)
+        # @!method initialize(category:, freeform: nil, payment_order_remittance_advice: nil)
         #   Some parameter documentations has been truncated, see
         #   {Increase::Models::ACHTransfer::Addenda} for more details.
         #
@@ -529,55 +529,41 @@ module Increase
 
       # @see Increase::Models::ACHTransfer#created_by
       class CreatedBy < Increase::Internal::Type::BaseModel
-        # @!attribute api_key
-        #   If present, details about the API key that created the transfer.
-        #
-        #   @return [Increase::Models::ACHTransfer::CreatedBy::APIKey, nil]
-        required :api_key, -> { Increase::ACHTransfer::CreatedBy::APIKey }, nil?: true
-
         # @!attribute category
         #   The type of object that created this transfer.
         #
         #   @return [Symbol, Increase::Models::ACHTransfer::CreatedBy::Category]
         required :category, enum: -> { Increase::ACHTransfer::CreatedBy::Category }
 
+        # @!attribute api_key
+        #   If present, details about the API key that created the transfer.
+        #
+        #   @return [Increase::Models::ACHTransfer::CreatedBy::APIKey, nil]
+        optional :api_key, -> { Increase::ACHTransfer::CreatedBy::APIKey }, nil?: true
+
         # @!attribute oauth_application
         #   If present, details about the OAuth Application that created the transfer.
         #
         #   @return [Increase::Models::ACHTransfer::CreatedBy::OAuthApplication, nil]
-        required :oauth_application, -> { Increase::ACHTransfer::CreatedBy::OAuthApplication }, nil?: true
+        optional :oauth_application, -> { Increase::ACHTransfer::CreatedBy::OAuthApplication }, nil?: true
 
         # @!attribute user
         #   If present, details about the User that created the transfer.
         #
         #   @return [Increase::Models::ACHTransfer::CreatedBy::User, nil]
-        required :user, -> { Increase::ACHTransfer::CreatedBy::User }, nil?: true
+        optional :user, -> { Increase::ACHTransfer::CreatedBy::User }, nil?: true
 
-        # @!method initialize(api_key:, category:, oauth_application:, user:)
+        # @!method initialize(category:, api_key: nil, oauth_application: nil, user: nil)
         #   What object created the transfer, either via the API or the dashboard.
         #
-        #   @param api_key [Increase::Models::ACHTransfer::CreatedBy::APIKey, nil] If present, details about the API key that created the transfer.
-        #
         #   @param category [Symbol, Increase::Models::ACHTransfer::CreatedBy::Category] The type of object that created this transfer.
         #
+        #   @param api_key [Increase::Models::ACHTransfer::CreatedBy::APIKey, nil] If present, details about the API key that created the transfer.
+        #
         #   @param oauth_application [Increase::Models::ACHTransfer::CreatedBy::OAuthApplication, nil] If present, details about the OAuth Application that created the transfer.
         #
         #   @param user [Increase::Models::ACHTransfer::CreatedBy::User, nil] If present, details about the User that created the transfer.
 
-        # @see Increase::Models::ACHTransfer::CreatedBy#api_key
-        class APIKey < Increase::Internal::Type::BaseModel
-          # @!attribute description
-          #   The description set for the API key when it was created.
-          #
-          #   @return [String, nil]
-          required :description, String, nil?: true
-
-          # @!method initialize(description:)
-          #   If present, details about the API key that created the transfer.
-          #
-          #   @param description [String, nil] The description set for the API key when it was created.
-        end
-
         # The type of object that created this transfer.
         #
         # @see Increase::Models::ACHTransfer::CreatedBy#category
@@ -597,6 +583,20 @@ module Increase
           #   @return [Array<Symbol>]
         end
 
+        # @see Increase::Models::ACHTransfer::CreatedBy#api_key
+        class APIKey < Increase::Internal::Type::BaseModel
+          # @!attribute description
+          #   The description set for the API key when it was created.
+          #
+          #   @return [String, nil]
+          required :description, String, nil?: true
+
+          # @!method initialize(description:)
+          #   If present, details about the API key that created the transfer.
+          #
+          #   @param description [String, nil] The description set for the API key when it was created.
+        end
+
         # @see Increase::Models::ACHTransfer::CreatedBy#oauth_application
         class OAuthApplication < Increase::Internal::Type::BaseModel
           # @!attribute name
@@ -1049,7 +1049,7 @@ module Increase
         module ReturnReasonCode
           extend Increase::Internal::Type::Enum
 
-          # Code R01. Insufficient funds in the receiving account. Sometimes abbreviated to NSF.
+          # Code R01. Insufficient funds in the receiving account. Sometimes abbreviated to "NSF."
           INSUFFICIENT_FUND = :insufficient_fund
 
           # Code R03. The account does not exist or the receiving bank was unable to locate it.
@@ -1061,13 +1061,13 @@ module Increase
           # Code R04. The account number is invalid at the receiving bank.
           INVALID_ACCOUNT_NUMBER_STRUCTURE = :invalid_account_number_structure
 
-          # Code R16. The account at the receiving bank was frozen per the Office of Foreign Assets Control.
+          # Code R16. This return code has two separate meanings. (1) The receiving bank froze the account or (2) the Office of Foreign Assets Control (OFAC) instructed the receiving bank to return the entry.
           ACCOUNT_FROZEN_ENTRY_RETURNED_PER_OFAC_INSTRUCTION = :account_frozen_entry_returned_per_ofac_instruction
 
-          # Code R23. The receiving bank account refused a credit transfer.
+          # Code R23. The receiving bank refused the credit transfer.
           CREDIT_ENTRY_REFUSED_BY_RECEIVER = :credit_entry_refused_by_receiver
 
-          # Code R05. The receiving bank rejected because of an incorrect Standard Entry Class code.
+          # Code R05. The receiving bank rejected because of an incorrect Standard Entry Class code. Consumer accounts cannot be debited as `corporate_credit_or_debit` or `corporate_trade_exchange`.
           UNAUTHORIZED_DEBIT_TO_CONSUMER_ACCOUNT_USING_CORPORATE_SEC_CODE =
             :unauthorized_debit_to_consumer_account_using_corporate_sec_code
 
@@ -1077,7 +1077,7 @@ module Increase
           # Code R08. The receiving bank stopped payment on this transfer.
           PAYMENT_STOPPED = :payment_stopped
 
-          # Code R20. The receiving bank account does not perform transfers.
+          # Code R20. The account is not eligible for ACH, such as a savings account with transaction limits.
           NON_TRANSACTION_ACCOUNT = :non_transaction_account
 
           # Code R09. The receiving bank account does not have enough available balance for the transfer.
@@ -1093,7 +1093,7 @@ module Increase
           # Code R19. The amount field is incorrect or too large.
           AMOUNT_FIELD_ERROR = :amount_field_error
 
-          # Code R07. The customer at the receiving institution informed their bank that they have revoked authorization for a previously authorized transfer.
+          # Code R07. The customer revoked their authorization for a previously authorized transfer.
           AUTHORIZATION_REVOKED_BY_CUSTOMER = :authorization_revoked_by_customer
 
           # Code R13. The routing number is invalid.
@@ -1102,7 +1102,7 @@ module Increase
           # Code R17. The receiving bank is unable to process a field in the transfer.
           FILE_RECORD_EDIT_CRITERIA = :file_record_edit_criteria
 
-          # Code R45. The individual name field was invalid.
+          # Code R45. A rare return reason. The individual name field was invalid.
           ENR_INVALID_INDIVIDUAL_NAME = :enr_invalid_individual_name
 
           # Code R06. The originating financial institution asked for this transfer to be returned. The receiving bank is complying with the request.
@@ -1235,7 +1235,7 @@ module Increase
           # Code R35. A rare return reason. Return of a malformed debit entry.
           RETURN_OF_IMPROPER_DEBIT_ENTRY = :return_of_improper_debit_entry
 
-          # Code R33. A rare return reason. Return of a Destroyed Check ("XKC") entry.
+          # Code R33. A rare return reason. Return of a destroyed check ("XCK") entry.
           RETURN_OF_XCK_ENTRY = :return_of_xck_entry
 
           # Code R37. A rare return reason. The source document related to this ACH, usually an ACH check conversion, was presented to the bank.