increase 1.360.0 → 1.362.0

data/sig/increase/models/event_subscription.rbs

@@ -149,7 +149,8 @@ module Increase
           | :"loan_obligation.created"
           | :"loan_offer.created"
           | :"loan_offer.updated"
-          | :"loan_purchase.created"
+          | :"loan_purchase_offer.created"
+          | :"loan_purchase_offer.updated"
           | :"lockbox.created"
           | :"lockbox.updated"
           | :"lockbox_address.created"
@@ -443,8 +444,11 @@ module Increase
           # Occurs whenever a Loan Offer is updated.
           LOAN_OFFER_UPDATED: :"loan_offer.updated"
 
-          # Occurs whenever a Loan Purchase is created.
-          LOAN_PURCHASE_CREATED: :"loan_purchase.created"
+          # Occurs whenever a Loan Purchase Offer is created.
+          LOAN_PURCHASE_OFFER_CREATED: :"loan_purchase_offer.created"
+
+          # Occurs whenever a Loan Purchase Offer is updated.
+          LOAN_PURCHASE_OFFER_UPDATED: :"loan_purchase_offer.updated"
 
           # Occurs whenever a Lockbox is created.
           LOCKBOX_CREATED: :"lockbox.created"

data/sig/increase/models/event_subscription_create_params.rbs

@@ -152,7 +152,8 @@ module Increase
           | :"loan_obligation.created"
           | :"loan_offer.created"
           | :"loan_offer.updated"
-          | :"loan_purchase.created"
+          | :"loan_purchase_offer.created"
+          | :"loan_purchase_offer.updated"
           | :"lockbox.created"
           | :"lockbox.updated"
           | :"lockbox_address.created"
@@ -446,8 +447,11 @@ module Increase
           # Occurs whenever a Loan Offer is updated.
           LOAN_OFFER_UPDATED: :"loan_offer.updated"
 
-          # Occurs whenever a Loan Purchase is created.
-          LOAN_PURCHASE_CREATED: :"loan_purchase.created"
+          # Occurs whenever a Loan Purchase Offer is created.
+          LOAN_PURCHASE_OFFER_CREATED: :"loan_purchase_offer.created"
+
+          # Occurs whenever a Loan Purchase Offer is updated.
+          LOAN_PURCHASE_OFFER_UPDATED: :"loan_purchase_offer.updated"
 
           # Occurs whenever a Lockbox is created.
           LOCKBOX_CREATED: :"lockbox.created"

data/sig/increase/models/inbound_real_time_payments_transfer.rbs

@@ -14,6 +14,7 @@ module Increase
         debtor_name: String,
         debtor_routing_number: String,
         decline: Increase::InboundRealTimePaymentsTransfer::Decline?,
+        end_to_end_identification: String?,
         status: Increase::Models::InboundRealTimePaymentsTransfer::status,
         transaction_identification: String,
         type: Increase::Models::InboundRealTimePaymentsTransfer::type_,
@@ -45,6 +46,8 @@ module Increase
 
       attr_accessor decline: Increase::InboundRealTimePaymentsTransfer::Decline?
 
+      attr_accessor end_to_end_identification: String?
+
       attr_accessor status: Increase::Models::InboundRealTimePaymentsTransfer::status
 
       attr_accessor transaction_identification: String
@@ -66,6 +69,7 @@ module Increase
         debtor_name: String,
         debtor_routing_number: String,
         decline: Increase::InboundRealTimePaymentsTransfer::Decline?,
+        end_to_end_identification: String?,
         status: Increase::Models::InboundRealTimePaymentsTransfer::status,
         transaction_identification: String,
         type: Increase::Models::InboundRealTimePaymentsTransfer::type_,
@@ -85,6 +89,7 @@ module Increase
         debtor_name: String,
         debtor_routing_number: String,
         decline: Increase::InboundRealTimePaymentsTransfer::Decline?,
+        end_to_end_identification: String?,
         status: Increase::Models::InboundRealTimePaymentsTransfer::status,
         transaction_identification: String,
         type: Increase::Models::InboundRealTimePaymentsTransfer::type_,

data/sig/increase/models/simulations/card_dispute_action_params.rbs

@@ -52,6 +52,7 @@ module Increase
           {
             action: Increase::Models::Simulations::CardDisputeActionParams::Visa::action,
             accept_chargeback: Increase::Simulations::CardDisputeActionParams::Visa::AcceptChargeback,
+            accept_user_prearbitration: Increase::Simulations::CardDisputeActionParams::Visa::AcceptUserPrearbitration,
             accept_user_submission: Increase::Simulations::CardDisputeActionParams::Visa::AcceptUserSubmission,
             decline_user_prearbitration: Increase::Simulations::CardDisputeActionParams::Visa::DeclineUserPrearbitration,
             receive_merchant_prearbitration: Increase::Simulations::CardDisputeActionParams::Visa::ReceiveMerchantPrearbitration,
@@ -73,6 +74,12 @@ module Increase
             Increase::Simulations::CardDisputeActionParams::Visa::AcceptChargeback
           ) -> Increase::Simulations::CardDisputeActionParams::Visa::AcceptChargeback
 
+          attr_reader accept_user_prearbitration: Increase::Simulations::CardDisputeActionParams::Visa::AcceptUserPrearbitration?
+
+          def accept_user_prearbitration=: (
+            Increase::Simulations::CardDisputeActionParams::Visa::AcceptUserPrearbitration
+          ) -> Increase::Simulations::CardDisputeActionParams::Visa::AcceptUserPrearbitration
+
           attr_reader accept_user_submission: Increase::Simulations::CardDisputeActionParams::Visa::AcceptUserSubmission?
 
           def accept_user_submission=: (
@@ -136,6 +143,7 @@ module Increase
           def initialize: (
             action: Increase::Models::Simulations::CardDisputeActionParams::Visa::action,
             ?accept_chargeback: Increase::Simulations::CardDisputeActionParams::Visa::AcceptChargeback,
+            ?accept_user_prearbitration: Increase::Simulations::CardDisputeActionParams::Visa::AcceptUserPrearbitration,
             ?accept_user_submission: Increase::Simulations::CardDisputeActionParams::Visa::AcceptUserSubmission,
             ?decline_user_prearbitration: Increase::Simulations::CardDisputeActionParams::Visa::DeclineUserPrearbitration,
             ?receive_merchant_prearbitration: Increase::Simulations::CardDisputeActionParams::Visa::ReceiveMerchantPrearbitration,
@@ -151,6 +159,7 @@ module Increase
           def to_hash: -> {
             action: Increase::Models::Simulations::CardDisputeActionParams::Visa::action,
             accept_chargeback: Increase::Simulations::CardDisputeActionParams::Visa::AcceptChargeback,
+            accept_user_prearbitration: Increase::Simulations::CardDisputeActionParams::Visa::AcceptUserPrearbitration,
             accept_user_submission: Increase::Simulations::CardDisputeActionParams::Visa::AcceptUserSubmission,
             decline_user_prearbitration: Increase::Simulations::CardDisputeActionParams::Visa::DeclineUserPrearbitration,
             receive_merchant_prearbitration: Increase::Simulations::CardDisputeActionParams::Visa::ReceiveMerchantPrearbitration,
@@ -165,6 +174,7 @@ module Increase
 
           type action =
             :accept_chargeback
+            | :accept_user_prearbitration
             | :accept_user_submission
             | :decline_user_prearbitration
             | :receive_merchant_prearbitration
@@ -182,19 +192,22 @@ module Increase
             # Simulate the merchant accepting the chargeback. This will move the dispute to a `won` state.
             ACCEPT_CHARGEBACK: :accept_chargeback
 
+            # Simulate the merchant accepting the user's pre-arbitration. This will move the dispute to a `won` state.
+            ACCEPT_USER_PREARBITRATION: :accept_user_prearbitration
+
             # Accept the user's submission and transmit it to the network. This will move the dispute to a `pending_response` state.
             ACCEPT_USER_SUBMISSION: :accept_user_submission
 
             # Simulate the merchant declining the user's pre-arbitration. This will move the dispute to a `lost` state.
             DECLINE_USER_PREARBITRATION: :decline_user_prearbitration
 
-            # Simulate the merchant issuing pre-arbitration. This will move the dispute to a `user_submission_required` state.
+            # Simulate the merchant issuing pre-arbitration. Only available for disputes in the fraud or authorization category. This will move the dispute to a `user_submission_required` state.
             RECEIVE_MERCHANT_PREARBITRATION: :receive_merchant_prearbitration
 
             # Simulate the dispute being rejected before it is submitted to the network. This will move the dispute to a `rejected` state.
             REJECT: :reject
 
-            # Simulate the merchant re-presenting the dispute. This will move the dispute to a `user_submission_required` state.
+            # Simulate the merchant re-presenting the dispute. Only available for disputes in a consumer or processing error category. This will move the dispute to a `user_submission_required` state.
             REPRESENT: :represent
 
             # Simulate further information being requested from the user. This will move the dispute to a `user_submission_required` state.
@@ -209,7 +222,7 @@ module Increase
             # Simulate the user timing out responding to a merchant re-presentment. This will move the dispute to a `lost` state.
             TIME_OUT_REPRESENTMENT: :time_out_representment
 
-            # Simulate the merchant timing out responding to a user pre-arbitration. This will move the dispute to a `win` state.
+            # Simulate the merchant timing out responding to a user pre-arbitration. This will move the dispute to a `won` state.
             TIME_OUT_USER_PREARBITRATION: :time_out_user_prearbitration
 
             def self?.values: -> ::Array[Increase::Models::Simulations::CardDisputeActionParams::Visa::action]
@@ -223,6 +236,14 @@ module Increase
             def to_hash: -> {  }
           end
 
+          type accept_user_prearbitration = {  }
+
+          class AcceptUserPrearbitration < Increase::Internal::Type::BaseModel
+            def initialize: -> void
+
+            def to_hash: -> {  }
+          end
+
           type accept_user_submission = {  }
 
           class AcceptUserSubmission < Increase::Internal::Type::BaseModel

data/sig/increase/models/simulations/wire_drawdown_request_refuse_params.rbs

@@ -2,7 +2,11 @@ module Increase
   module Models
     module Simulations
       type wire_drawdown_request_refuse_params =
-        { wire_drawdown_request_id: String }
+        {
+          wire_drawdown_request_id: String,
+          refusal_reason_additional_information: String,
+          refusal_reason_code: Increase::Models::Simulations::WireDrawdownRequestRefuseParams::refusal_reason_code
+        }
         & Increase::Internal::Type::request_parameters
 
       class WireDrawdownRequestRefuseParams < Increase::Internal::Type::BaseModel
@@ -11,15 +15,61 @@ module Increase
 
         attr_accessor wire_drawdown_request_id: String
 
+        attr_reader refusal_reason_additional_information: String?
+
+        def refusal_reason_additional_information=: (String) -> String
+
+        attr_reader refusal_reason_code: Increase::Models::Simulations::WireDrawdownRequestRefuseParams::refusal_reason_code?
+
+        def refusal_reason_code=: (
+          Increase::Models::Simulations::WireDrawdownRequestRefuseParams::refusal_reason_code
+        ) -> Increase::Models::Simulations::WireDrawdownRequestRefuseParams::refusal_reason_code
+
         def initialize: (
           wire_drawdown_request_id: String,
+          ?refusal_reason_additional_information: String,
+          ?refusal_reason_code: Increase::Models::Simulations::WireDrawdownRequestRefuseParams::refusal_reason_code,
           ?request_options: Increase::request_opts
         ) -> void
 
         def to_hash: -> {
           wire_drawdown_request_id: String,
+          refusal_reason_additional_information: String,
+          refusal_reason_code: Increase::Models::Simulations::WireDrawdownRequestRefuseParams::refusal_reason_code,
           request_options: Increase::RequestOptions
         }
+
+        type refusal_reason_code =
+          :invalid_debtor_account_number
+          | :transaction_forbidden
+          | :unsuccessful_direct_debit
+          | :inconsistent_with_end_customer
+          | :narrative
+          | :other
+
+        module RefusalReasonCode
+          extend Increase::Internal::Type::Enum
+
+          # The debtor's account number is invalid or missing. Corresponds to the Fedwire reason code `AC02`.
+          INVALID_DEBTOR_ACCOUNT_NUMBER: :invalid_debtor_account_number
+
+          # The debtor account does not allow drawdown requests. Corresponds to the Fedwire reason code `AG01`.
+          TRANSACTION_FORBIDDEN: :transaction_forbidden
+
+          # The debtor account cannot be debited for a generic reason. Corresponds to the Fedwire reason code `AG07`.
+          UNSUCCESSFUL_DIRECT_DEBIT: :unsuccessful_direct_debit
+
+          # The debtor's identification is inconsistent with the debtor account number. Corresponds to the Fedwire reason code `BE01`.
+          INCONSISTENT_WITH_END_CUSTOMER: :inconsistent_with_end_customer
+
+          # The reason is provided as narrative information in the additional information field. Corresponds to the Fedwire reason code `NARR`.
+          NARRATIVE: :narrative
+
+          # Some other error or issue has occurred.
+          OTHER: :other
+
+          def self?.values: -> ::Array[Increase::Models::Simulations::WireDrawdownRequestRefuseParams::refusal_reason_code]
+        end
       end
     end
   end

data/sig/increase/models/unwrap_webhook_event.rbs

@@ -123,7 +123,8 @@ module Increase
         | :"loan_obligation.created"
         | :"loan_offer.created"
         | :"loan_offer.updated"
-        | :"loan_purchase.created"
+        | :"loan_purchase_offer.created"
+        | :"loan_purchase_offer.updated"
         | :"lockbox.created"
         | :"lockbox.updated"
         | :"lockbox_address.created"
@@ -417,8 +418,11 @@ module Increase
         # Occurs whenever a Loan Offer is updated.
         LOAN_OFFER_UPDATED: :"loan_offer.updated"
 
-        # Occurs whenever a Loan Purchase is created.
-        LOAN_PURCHASE_CREATED: :"loan_purchase.created"
+        # Occurs whenever a Loan Purchase Offer is created.
+        LOAN_PURCHASE_OFFER_CREATED: :"loan_purchase_offer.created"
+
+        # Occurs whenever a Loan Purchase Offer is updated.
+        LOAN_PURCHASE_OFFER_UPDATED: :"loan_purchase_offer.updated"
 
         # Occurs whenever a Lockbox is created.
         LOCKBOX_CREATED: :"lockbox.created"

data/sig/increase/models/wire_drawdown_request.rbs

@@ -18,6 +18,7 @@ module Increase
         end_to_end_identification: String?,
         fulfillment_inbound_wire_transfer_id: String?,
         idempotency_key: String?,
+        refusal: Increase::WireDrawdownRequest::Refusal?,
         status: Increase::Models::WireDrawdownRequest::status,
         submission: Increase::WireDrawdownRequest::Submission?,
         type: Increase::Models::WireDrawdownRequest::type_,
@@ -58,6 +59,8 @@ module Increase
 
       attr_accessor idempotency_key: String?
 
+      attr_accessor refusal: Increase::WireDrawdownRequest::Refusal?
+
       attr_accessor status: Increase::Models::WireDrawdownRequest::status
 
       attr_accessor submission: Increase::WireDrawdownRequest::Submission?
@@ -85,6 +88,7 @@ module Increase
         end_to_end_identification: String?,
         fulfillment_inbound_wire_transfer_id: String?,
         idempotency_key: String?,
+        refusal: Increase::WireDrawdownRequest::Refusal?,
         status: Increase::Models::WireDrawdownRequest::status,
         submission: Increase::WireDrawdownRequest::Submission?,
         type: Increase::Models::WireDrawdownRequest::type_,
@@ -109,6 +113,7 @@ module Increase
         end_to_end_identification: String?,
         fulfillment_inbound_wire_transfer_id: String?,
         idempotency_key: String?,
+        refusal: Increase::WireDrawdownRequest::Refusal?,
         status: Increase::Models::WireDrawdownRequest::status,
         submission: Increase::WireDrawdownRequest::Submission?,
         type: Increase::Models::WireDrawdownRequest::type_,
@@ -200,6 +205,65 @@ module Increase
         }
       end
 
+      type refusal =
+        {
+          refusal_reason_additional_information: String?,
+          refusal_reason_code: Increase::Models::WireDrawdownRequest::Refusal::refusal_reason_code,
+          refused_at: Time
+        }
+
+      class Refusal < Increase::Internal::Type::BaseModel
+        attr_accessor refusal_reason_additional_information: String?
+
+        attr_accessor refusal_reason_code: Increase::Models::WireDrawdownRequest::Refusal::refusal_reason_code
+
+        attr_accessor refused_at: Time
+
+        def initialize: (
+          refusal_reason_additional_information: String?,
+          refusal_reason_code: Increase::Models::WireDrawdownRequest::Refusal::refusal_reason_code,
+          refused_at: Time
+        ) -> void
+
+        def to_hash: -> {
+          refusal_reason_additional_information: String?,
+          refusal_reason_code: Increase::Models::WireDrawdownRequest::Refusal::refusal_reason_code,
+          refused_at: Time
+        }
+
+        type refusal_reason_code =
+          :invalid_debtor_account_number
+          | :transaction_forbidden
+          | :unsuccessful_direct_debit
+          | :inconsistent_with_end_customer
+          | :narrative
+          | :other
+
+        module RefusalReasonCode
+          extend Increase::Internal::Type::Enum
+
+          # The debtor's account number is invalid or missing. Corresponds to the Fedwire reason code `AC02`.
+          INVALID_DEBTOR_ACCOUNT_NUMBER: :invalid_debtor_account_number
+
+          # The debtor account does not allow drawdown requests. Corresponds to the Fedwire reason code `AG01`.
+          TRANSACTION_FORBIDDEN: :transaction_forbidden
+
+          # The debtor account cannot be debited for a generic reason. Corresponds to the Fedwire reason code `AG07`.
+          UNSUCCESSFUL_DIRECT_DEBIT: :unsuccessful_direct_debit
+
+          # The debtor's identification is inconsistent with the debtor account number. Corresponds to the Fedwire reason code `BE01`.
+          INCONSISTENT_WITH_END_CUSTOMER: :inconsistent_with_end_customer
+
+          # The reason is provided as narrative information in the additional information field. Corresponds to the Fedwire reason code `NARR`.
+          NARRATIVE: :narrative
+
+          # Some other error or issue has occurred.
+          OTHER: :other
+
+          def self?.values: -> ::Array[Increase::Models::WireDrawdownRequest::Refusal::refusal_reason_code]
+        end
+      end
+
       type status =
         :pending_submission | :pending_response | :fulfilled | :refused
 

data/sig/increase/resources/digital_card_profiles.rbs

@@ -6,6 +6,7 @@ module Increase
         background_image_file_id: String,
         card_description: String,
         description: String,
+        ?apple_pay: Increase::DigitalCardProfileCreateParams::ApplePay,
         ?contact_email: String,
         ?contact_name: String,
         ?contact_phone: String,
@@ -35,6 +36,7 @@ module Increase
       def clone_: (
         String digital_card_profile_id,
         ?app_icon_file_id: String,
+        ?apple_pay: Increase::DigitalCardProfileCloneParams::ApplePay,
         ?background_image_file_id: String,
         ?card_description: String,
         ?contact_email: String,

data/sig/increase/resources/simulations/wire_drawdown_requests.rbs

@@ -4,6 +4,8 @@ module Increase
       class WireDrawdownRequests
         def refuse: (
           String wire_drawdown_request_id,
+          ?refusal_reason_additional_information: String,
+          ?refusal_reason_code: Increase::Models::Simulations::WireDrawdownRequestRefuseParams::refusal_reason_code,
           ?request_options: Increase::request_opts
         ) -> Increase::WireDrawdownRequest
 

metadata

@@ -1,15 +1,29 @@
 --- !ruby/object:Gem::Specification
 name: increase
 version: !ruby/object:Gem::Version
-  version: 1.360.0
+  version: 1.362.0
 platform: ruby
 authors:
 - Increase
 autorequire:
 bindir: bin
 cert_chain: []
-date: 2026-10-23 00:00:00.000000000 Z
+date: 2026-10-29 00:00:00.000000000 Z
 dependencies:
+- !ruby/object:Gem::Dependency
+  name: base64
+  requirement: !ruby/object:Gem::Requirement
+    requirements:
+    - - ">="
+      - !ruby/object:Gem::Version
+        version: '0'
+  type: :runtime
+  prerelease: false
+  version_requirements: !ruby/object:Gem::Requirement
+    requirements:
+    - - ">="
+      - !ruby/object:Gem::Version
+        version: '0'
 - !ruby/object:Gem::Dependency
   name: cgi
   requirement: !ruby/object:Gem::Requirement