increase 1.347.0 → 1.348.0

data/lib/increase/models/wire_transfer_create_params.rb

@@ -139,46 +139,75 @@ module Increase
 
         # @see Increase::Models::WireTransferCreateParams::Creditor#address
         class Address < Increase::Internal::Type::BaseModel
-          # @!attribute unstructured
-          #   Unstructured address lines.
+          # @!attribute structured
+          #   Structured address components. City and country are required.
           #
-          #   @return [Increase::Models::WireTransferCreateParams::Creditor::Address::Unstructured, nil]
-          optional :unstructured, -> { Increase::WireTransferCreateParams::Creditor::Address::Unstructured }
+          #   @return [Increase::Models::WireTransferCreateParams::Creditor::Address::Structured, nil]
+          optional :structured, -> { Increase::WireTransferCreateParams::Creditor::Address::Structured }
 
-          # @!method initialize(unstructured: nil)
+          # @!method initialize(structured: nil)
           #   The person or business's address.
           #
-          #   @param unstructured [Increase::Models::WireTransferCreateParams::Creditor::Address::Unstructured]
-          #     Unstructured address lines.
+          #   @param structured [Increase::Models::WireTransferCreateParams::Creditor::Address::Structured]
+          #     Structured address components. City and country are required.
 
-          # @see Increase::Models::WireTransferCreateParams::Creditor::Address#unstructured
-          class Unstructured < Increase::Internal::Type::BaseModel
-            # @!attribute line1
-            #   The address line 1.
+          # @see Increase::Models::WireTransferCreateParams::Creditor::Address#structured
+          class Structured < Increase::Internal::Type::BaseModel
+            # @!attribute city
+            #   The city, district, town, or village of the address.
+            #
+            #   @return [String]
+            required :city, String
+
+            # @!attribute country
+            #   The two-letter
+            #   [ISO 3166-1 alpha-2](https://en.wikipedia.org/wiki/ISO_3166-1_alpha-2) code for
+            #   the country of the address.
             #
             #   @return [String]
-            required :line1, String
+            required :country, String
+
+            # @!attribute line1
+            #   The first line of the address.
+            #
+            #   @return [String, nil]
+            optional :line1, String
 
             # @!attribute line2
-            #   The address line 2.
+            #   The second line of the address.
             #
             #   @return [String, nil]
             optional :line2, String
 
-            # @!attribute line3
-            #   The address line 3.
+            # @!attribute postal_code
+            #   The postal code of the address.
+            #
+            #   @return [String, nil]
+            optional :postal_code, String
+
+            # @!attribute state
+            #   The address state.
             #
             #   @return [String, nil]
-            optional :line3, String
+            optional :state, String
 
-            # @!method initialize(line1:, line2: nil, line3: nil)
-            #   Unstructured address lines.
+            # @!method initialize(city:, country:, line1: nil, line2: nil, postal_code: nil, state: nil)
+            #   Structured address components. City and country are required.
+            #
+            #   @param city [String] The city, district, town, or village of the address.
+            #
+            #   @param country [String]
+            #     The two-letter
+            #     [ISO 3166-1 alpha-2](https://en.wikipedia.org/wiki/ISO_3166-1_alpha-2) code for
+            #     the country of the address.
+            #
+            #   @param line1 [String] The first line of the address.
             #
-            #   @param line1 [String] The address line 1.
+            #   @param line2 [String] The second line of the address.
             #
-            #   @param line2 [String] The address line 2.
+            #   @param postal_code [String] The postal code of the address.
             #
-            #   @param line3 [String] The address line 3.
+            #   @param state [String] The address state.
           end
         end
       end
@@ -312,46 +341,75 @@ module Increase
 
         # @see Increase::Models::WireTransferCreateParams::Debtor#address
         class Address < Increase::Internal::Type::BaseModel
-          # @!attribute unstructured
-          #   Unstructured address lines.
+          # @!attribute structured
+          #   Structured address components. City and country are required.
           #
-          #   @return [Increase::Models::WireTransferCreateParams::Debtor::Address::Unstructured, nil]
-          optional :unstructured, -> { Increase::WireTransferCreateParams::Debtor::Address::Unstructured }
+          #   @return [Increase::Models::WireTransferCreateParams::Debtor::Address::Structured, nil]
+          optional :structured, -> { Increase::WireTransferCreateParams::Debtor::Address::Structured }
 
-          # @!method initialize(unstructured: nil)
+          # @!method initialize(structured: nil)
           #   The person or business's address.
           #
-          #   @param unstructured [Increase::Models::WireTransferCreateParams::Debtor::Address::Unstructured]
-          #     Unstructured address lines.
+          #   @param structured [Increase::Models::WireTransferCreateParams::Debtor::Address::Structured]
+          #     Structured address components. City and country are required.
 
-          # @see Increase::Models::WireTransferCreateParams::Debtor::Address#unstructured
-          class Unstructured < Increase::Internal::Type::BaseModel
-            # @!attribute line1
-            #   The address line 1.
+          # @see Increase::Models::WireTransferCreateParams::Debtor::Address#structured
+          class Structured < Increase::Internal::Type::BaseModel
+            # @!attribute city
+            #   The city, district, town, or village of the address.
+            #
+            #   @return [String]
+            required :city, String
+
+            # @!attribute country
+            #   The two-letter
+            #   [ISO 3166-1 alpha-2](https://en.wikipedia.org/wiki/ISO_3166-1_alpha-2) code for
+            #   the country of the address.
             #
             #   @return [String]
-            required :line1, String
+            required :country, String
+
+            # @!attribute line1
+            #   The first line of the address.
+            #
+            #   @return [String, nil]
+            optional :line1, String
 
             # @!attribute line2
-            #   The address line 2.
+            #   The second line of the address.
             #
             #   @return [String, nil]
             optional :line2, String
 
-            # @!attribute line3
-            #   The address line 3.
+            # @!attribute postal_code
+            #   The postal code of the address.
+            #
+            #   @return [String, nil]
+            optional :postal_code, String
+
+            # @!attribute state
+            #   The address state.
             #
             #   @return [String, nil]
-            optional :line3, String
+            optional :state, String
 
-            # @!method initialize(line1:, line2: nil, line3: nil)
-            #   Unstructured address lines.
+            # @!method initialize(city:, country:, line1: nil, line2: nil, postal_code: nil, state: nil)
+            #   Structured address components. City and country are required.
+            #
+            #   @param city [String] The city, district, town, or village of the address.
+            #
+            #   @param country [String]
+            #     The two-letter
+            #     [ISO 3166-1 alpha-2](https://en.wikipedia.org/wiki/ISO_3166-1_alpha-2) code for
+            #     the country of the address.
+            #
+            #   @param line1 [String] The first line of the address.
             #
-            #   @param line1 [String] The address line 1.
+            #   @param line2 [String] The second line of the address.
             #
-            #   @param line2 [String] The address line 2.
+            #   @param postal_code [String] The postal code of the address.
             #
-            #   @param line3 [String] The address line 3.
+            #   @param state [String] The address state.
           end
         end
       end

data/lib/increase/resources/ach_prenotifications.rb

@@ -37,7 +37,7 @@ module Increase
       # @param individual_id [String] Your identifier for the recipient.
       #
       # @param individual_name [String]
-      #   The name of therecipient. This value is informational and not verified by the
+      #   The name of the recipient. This value is informational and not verified by the
       #   recipient's bank.
       #
       # @param standard_entry_class_code [Symbol, Increase::Models::ACHPrenotificationCreateParams::StandardEntryClassCode]

data/lib/increase/resources/ach_transfers.rb

@@ -5,7 +5,7 @@ module Increase
     class ACHTransfers
       # Create an ACH Transfer
       #
-      # @overload create(account_id:, amount:, statement_descriptor:, account_number: nil, addenda: nil, company_descriptive_date: nil, company_discretionary_data: nil, company_entry_description: nil, company_name: nil, destination_account_holder: nil, external_account_id: nil, funding: nil, individual_id: nil, individual_name: nil, preferred_effective_date: nil, require_approval: nil, routing_number: nil, standard_entry_class_code: nil, transaction_timing: nil, request_options: {})
+      # @overload create(account_id:, amount:, statement_descriptor:, account_number: nil, addenda: nil, company_descriptive_date: nil, company_discretionary_data: nil, company_entry_description: nil, company_name: nil, destination_account_holder: nil, external_account_id: nil, funding: nil, individual_id: nil, individual_name: nil, preferred_effective_date: nil, require_approval: nil, routing_number: nil, standard_entry_class_code: nil, request_options: {})
       #
       # @param account_id [String] The Increase identifier for the account that will send the transfer.
       #
@@ -94,9 +94,6 @@ module Increase
       #   to use for the transfer. If not provided, the default is
       #   `corporate_credit_or_debit`.
       #
-      # @param transaction_timing [Symbol, Increase::Models::ACHTransferCreateParams::TransactionTiming]
-      #   The timing of the transaction.
-      #
       # @param request_options [Increase::RequestOptions, Hash{Symbol=>Object}, nil]
       #
       # @return [Increase::Models::ACHTransfer]

data/lib/increase/resources/beneficial_owners.rb

@@ -59,7 +59,7 @@ module Increase
 
       # Update a Beneficial Owner
       #
-      # @overload update(entity_beneficial_owner_id, address: nil, confirmed_no_us_tax_id: nil, identification: nil, name: nil, prongs: nil, request_options: {})
+      # @overload update(entity_beneficial_owner_id, address: nil, confirmed_no_us_tax_id: nil, date_of_birth: nil, identification: nil, name: nil, prongs: nil, request_options: {})
       #
       # @param entity_beneficial_owner_id [String] The identifier of the Beneficial Owner to update.
       #
@@ -73,6 +73,8 @@ module Increase
       #   tax id (either a Social Security Number or Individual Taxpayer Identification
       #   Number).
       #
+      # @param date_of_birth [Date] The person's date of birth in YYYY-MM-DD format.
+      #
       # @param identification [Increase::Models::BeneficialOwnerUpdateParams::Identification]
       #   A means of verifying the person's identity.
       #

data/lib/increase/resources/cards.rb

@@ -5,7 +5,7 @@ module Increase
     class Cards
       # Create a Card
       #
-      # @overload create(account_id:, authorization_controls: nil, billing_address: nil, description: nil, digital_wallet: nil, entity_id: nil, request_options: {})
+      # @overload create(account_id:, authorization_controls: nil, billing_address: nil, cardholder_name: nil, description: nil, digital_wallet: nil, entity_id: nil, request_options: {})
       #
       # @param account_id [String] The Account the card should belong to.
       #
@@ -14,6 +14,10 @@ module Increase
       #
       # @param billing_address [Increase::Models::CardCreateParams::BillingAddress] The card's billing address.
       #
+      # @param cardholder_name [Increase::Models::CardCreateParams::CardholderName]
+      #   The name of the cardholder. Used to respond to Account Name Inquiry requests
+      #   from acquirers in Card Validations.
+      #
       # @param description [String] The description you choose to give the card.
       #
       # @param digital_wallet [Increase::Models::CardCreateParams::DigitalWallet]

data/lib/increase/resources/real_time_payments_transfers.rb

@@ -5,7 +5,7 @@ module Increase
     class RealTimePaymentsTransfers
       # Create a Real-Time Payments Transfer
       #
-      # @overload create(amount:, creditor_name:, source_account_number_id:, unstructured_remittance_information:, account_number: nil, debtor_name: nil, external_account_id: nil, require_approval: nil, routing_number: nil, ultimate_creditor_name: nil, ultimate_debtor_name: nil, request_options: {})
+      # @overload create(amount:, creditor_name:, source_account_number_id:, unstructured_remittance_information:, account_number: nil, debtor_name: nil, external_account_id: nil, inbound_real_time_payments_request_for_payment_id: nil, require_approval: nil, routing_number: nil, ultimate_creditor_name: nil, ultimate_debtor_name: nil, request_options: {})
       #
       # @param amount [Integer]
       #   The transfer amount in USD cents. For Real-Time Payments transfers, must be
@@ -29,6 +29,10 @@ module Increase
       #   The ID of an External Account to initiate a transfer to. If this parameter is
       #   provided, `account_number` and `routing_number` must be absent.
       #
+      # @param inbound_real_time_payments_request_for_payment_id [String]
+      #   The ID of an Inbound Real-Time Payments Request for Payment in response to which
+      #   this transfer is being sent.
+      #
       # @param require_approval [Boolean]
       #   Whether the transfer requires explicit approval via the dashboard or API.
       #

data/lib/increase/version.rb

@@ -1,5 +1,5 @@
 # frozen_string_literal: true
 
 module Increase
-  VERSION = "1.347.0"
+  VERSION = "1.348.0"
 end

data/rbi/increase/models/ach_prenotification_create_params.rbi

@@ -97,7 +97,7 @@ module Increase
       sig { params(individual_id: String).void }
       attr_writer :individual_id
 
-      # The name of therecipient. This value is informational and not verified by the
+      # The name of the recipient. This value is informational and not verified by the
       # recipient's bank.
       sig { returns(T.nilable(String)) }
       attr_reader :individual_name
@@ -174,7 +174,7 @@ module Increase
         effective_date: nil,
         # Your identifier for the recipient.
         individual_id: nil,
-        # The name of therecipient. This value is informational and not verified by the
+        # The name of the recipient. This value is informational and not verified by the
         # recipient's bank.
         individual_name: nil,
         # The

data/rbi/increase/models/ach_transfer.rbi

@@ -2576,7 +2576,7 @@ module Increase
           end
 
         # The timestamp by which any administrative returns are expected to be received
-        # by. This follows the NACHA guidelines for return windows, which are: "In
+        # by. This follows the Nacha guidelines for return windows, which are: "In
         # general, return entries must be received by the RDFI’s ACH Operator by its
         # deposit deadline for the return entry to be made available to the ODFI no later
         # than the opening of business on the second banking day following the Settlement
@@ -2638,7 +2638,7 @@ module Increase
         end
         def self.new(
           # The timestamp by which any administrative returns are expected to be received
-          # by. This follows the NACHA guidelines for return windows, which are: "In
+          # by. This follows the Nacha guidelines for return windows, which are: "In
           # general, return entries must be received by the RDFI’s ACH Operator by its
           # deposit deadline for the return entry to be made available to the ODFI no later
           # than the opening of business on the second banking day following the Settlement

data/rbi/increase/models/ach_transfer_create_params.rbi

@@ -201,24 +201,6 @@ module Increase
       end
       attr_writer :standard_entry_class_code
 
-      # The timing of the transaction.
-      sig do
-        returns(
-          T.nilable(
-            Increase::ACHTransferCreateParams::TransactionTiming::OrSymbol
-          )
-        )
-      end
-      attr_reader :transaction_timing
-
-      sig do
-        params(
-          transaction_timing:
-            Increase::ACHTransferCreateParams::TransactionTiming::OrSymbol
-        ).void
-      end
-      attr_writer :transaction_timing
-
       sig do
         params(
           account_id: String,
@@ -242,8 +224,6 @@ module Increase
           routing_number: String,
           standard_entry_class_code:
             Increase::ACHTransferCreateParams::StandardEntryClassCode::OrSymbol,
-          transaction_timing:
-            Increase::ACHTransferCreateParams::TransactionTiming::OrSymbol,
           request_options: Increase::RequestOptions::OrHash
         ).returns(T.attached_class)
       end
@@ -318,8 +298,6 @@ module Increase
         # to use for the transfer. If not provided, the default is
         # `corporate_credit_or_debit`.
         standard_entry_class_code: nil,
-        # The timing of the transaction.
-        transaction_timing: nil,
         request_options: {}
       )
       end
@@ -348,8 +326,6 @@ module Increase
             routing_number: String,
             standard_entry_class_code:
               Increase::ACHTransferCreateParams::StandardEntryClassCode::OrSymbol,
-            transaction_timing:
-              Increase::ACHTransferCreateParams::TransactionTiming::OrSymbol,
             request_options: Increase::RequestOptions
           }
         )
@@ -913,41 +889,6 @@ module Increase
         def self.values
         end
       end
-
-      # The timing of the transaction.
-      module TransactionTiming
-        extend Increase::Internal::Type::Enum
-
-        TaggedSymbol =
-          T.type_alias do
-            T.all(Symbol, Increase::ACHTransferCreateParams::TransactionTiming)
-          end
-        OrSymbol = T.type_alias { T.any(Symbol, String) }
-
-        # A Transaction will be created immediately.
-        SYNCHRONOUS =
-          T.let(
-            :synchronous,
-            Increase::ACHTransferCreateParams::TransactionTiming::TaggedSymbol
-          )
-
-        # A Transaction will be created when the funds settle at the Federal Reserve.
-        ASYNCHRONOUS =
-          T.let(
-            :asynchronous,
-            Increase::ACHTransferCreateParams::TransactionTiming::TaggedSymbol
-          )
-
-        sig do
-          override.returns(
-            T::Array[
-              Increase::ACHTransferCreateParams::TransactionTiming::TaggedSymbol
-            ]
-          )
-        end
-        def self.values
-        end
-      end
     end
   end
 end

data/rbi/increase/models/balance_lookup.rbi

@@ -93,6 +93,30 @@ module Increase
         sig { returns(Integer) }
         attr_accessor :due_balance
 
+        # The fees on the loan that are due and unpaid.
+        sig { returns(T.nilable(Integer)) }
+        attr_accessor :due_fees
+
+        # The interest on the loan that is due and unpaid.
+        sig { returns(T.nilable(Integer)) }
+        attr_accessor :due_interest
+
+        # The principal on the loan that is due and unpaid.
+        sig { returns(T.nilable(Integer)) }
+        attr_accessor :due_principal
+
+        # The fees on the loan that are not yet due.
+        sig { returns(T.nilable(Integer)) }
+        attr_accessor :not_due_fees
+
+        # The interest on the loan that is not yet due.
+        sig { returns(T.nilable(Integer)) }
+        attr_accessor :not_due_interest
+
+        # The principal on the loan that is not yet due.
+        sig { returns(T.nilable(Integer)) }
+        attr_accessor :not_due_principal
+
         # The amount past due on the loan.
         sig { returns(Integer) }
         attr_accessor :past_due_balance
@@ -114,6 +138,12 @@ module Increase
           params(
             due_at: T.nilable(Time),
             due_balance: Integer,
+            due_fees: T.nilable(Integer),
+            due_interest: T.nilable(Integer),
+            due_principal: T.nilable(Integer),
+            not_due_fees: T.nilable(Integer),
+            not_due_interest: T.nilable(Integer),
+            not_due_principal: T.nilable(Integer),
             past_due_balance: Integer,
             receivables:
               T.nilable(Increase::BalanceLookup::Loan::Receivables::OrHash)
@@ -125,6 +155,18 @@ module Increase
           due_at:,
           # The total amount due on the loan.
           due_balance:,
+          # The fees on the loan that are due and unpaid.
+          due_fees:,
+          # The interest on the loan that is due and unpaid.
+          due_interest:,
+          # The principal on the loan that is due and unpaid.
+          due_principal:,
+          # The fees on the loan that are not yet due.
+          not_due_fees:,
+          # The interest on the loan that is not yet due.
+          not_due_interest:,
+          # The principal on the loan that is not yet due.
+          not_due_principal:,
           # The amount past due on the loan.
           past_due_balance:,
           # The receivables balances for the loan.
@@ -137,6 +179,12 @@ module Increase
             {
               due_at: T.nilable(Time),
               due_balance: Integer,
+              due_fees: T.nilable(Integer),
+              due_interest: T.nilable(Integer),
+              due_principal: T.nilable(Integer),
+              not_due_fees: T.nilable(Integer),
+              not_due_interest: T.nilable(Integer),
+              not_due_principal: T.nilable(Integer),
               past_due_balance: Integer,
               receivables: T.nilable(Increase::BalanceLookup::Loan::Receivables)
             }

data/rbi/increase/models/beneficial_owner_update_params.rbi

@@ -40,6 +40,13 @@ module Increase
       sig { params(confirmed_no_us_tax_id: T::Boolean).void }
       attr_writer :confirmed_no_us_tax_id
 
+      # The person's date of birth in YYYY-MM-DD format.
+      sig { returns(T.nilable(Date)) }
+      attr_reader :date_of_birth
+
+      sig { params(date_of_birth: Date).void }
+      attr_writer :date_of_birth
+
       # A means of verifying the person's identity.
       sig do
         returns(
@@ -89,6 +96,7 @@ module Increase
           entity_beneficial_owner_id: String,
           address: Increase::BeneficialOwnerUpdateParams::Address::OrHash,
           confirmed_no_us_tax_id: T::Boolean,
+          date_of_birth: Date,
           identification:
             Increase::BeneficialOwnerUpdateParams::Identification::OrHash,
           name: String,
@@ -108,6 +116,8 @@ module Increase
         # tax id (either a Social Security Number or Individual Taxpayer Identification
         # Number).
         confirmed_no_us_tax_id: nil,
+        # The person's date of birth in YYYY-MM-DD format.
+        date_of_birth: nil,
         # A means of verifying the person's identity.
         identification: nil,
         # The individual's legal name.
@@ -127,6 +137,7 @@ module Increase
             entity_beneficial_owner_id: String,
             address: Increase::BeneficialOwnerUpdateParams::Address,
             confirmed_no_us_tax_id: T::Boolean,
+            date_of_birth: Date,
             identification:
               Increase::BeneficialOwnerUpdateParams::Identification,
             name: String,

data/rbi/increase/models/card.rbi

@@ -39,6 +39,18 @@ module Increase
       sig { returns(String) }
       attr_accessor :bin
 
+      # The name of the cardholder. Used to respond to Account Name Inquiry requests
+      # from acquirers in Card Validations.
+      sig { returns(T.nilable(Increase::Card::CardholderName)) }
+      attr_reader :cardholder_name
+
+      sig do
+        params(
+          cardholder_name: T.nilable(Increase::Card::CardholderName::OrHash)
+        ).void
+      end
+      attr_writer :cardholder_name
+
       # The [ISO 8601](https://en.wikipedia.org/wiki/ISO_8601) date and time at which
       # the Card was created.
       sig { returns(Time) }
@@ -105,6 +117,7 @@ module Increase
             T.nilable(Increase::Card::AuthorizationControls::OrHash),
           billing_address: Increase::Card::BillingAddress::OrHash,
           bin: String,
+          cardholder_name: T.nilable(Increase::Card::CardholderName::OrHash),
           created_at: Time,
           description: T.nilable(String),
           digital_wallet: T.nilable(Increase::Card::DigitalWallet::OrHash),
@@ -128,6 +141,9 @@ module Increase
         billing_address:,
         # The Bank Identification Number (BIN) of the Card.
         bin:,
+        # The name of the cardholder. Used to respond to Account Name Inquiry requests
+        # from acquirers in Card Validations.
+        cardholder_name:,
         # The [ISO 8601](https://en.wikipedia.org/wiki/ISO_8601) date and time at which
         # the Card was created.
         created_at:,
@@ -166,6 +182,7 @@ module Increase
               T.nilable(Increase::Card::AuthorizationControls),
             billing_address: Increase::Card::BillingAddress,
             bin: String,
+            cardholder_name: T.nilable(Increase::Card::CardholderName),
             created_at: Time,
             description: T.nilable(String),
             digital_wallet: T.nilable(Increase::Card::DigitalWallet),
@@ -1273,6 +1290,52 @@ module Increase
         end
       end
 
+      class CardholderName < Increase::Internal::Type::BaseModel
+        OrHash =
+          T.type_alias do
+            T.any(Increase::Card::CardholderName, Increase::Internal::AnyHash)
+          end
+
+        # The cardholder's first name.
+        sig { returns(String) }
+        attr_accessor :first
+
+        # The cardholder's last name.
+        sig { returns(String) }
+        attr_accessor :last
+
+        # The cardholder's middle name.
+        sig { returns(T.nilable(String)) }
+        attr_accessor :middle
+
+        # The name of the cardholder. Used to respond to Account Name Inquiry requests
+        # from acquirers in Card Validations.
+        sig do
+          params(
+            first: String,
+            last: String,
+            middle: T.nilable(String)
+          ).returns(T.attached_class)
+        end
+        def self.new(
+          # The cardholder's first name.
+          first:,
+          # The cardholder's last name.
+          last:,
+          # The cardholder's middle name.
+          middle:
+        )
+        end
+
+        sig do
+          override.returns(
+            { first: String, last: String, middle: T.nilable(String) }
+          )
+        end
+        def to_hash
+        end
+      end
+
       class DigitalWallet < Increase::Internal::Type::BaseModel
         OrHash =
           T.type_alias do