increase 1.361.0 → 1.362.0

checksums.yaml

@@ -1,7 +1,7 @@
 ---
 SHA256:
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-  data.tar.gz: 71892bf2ecf9a4c8a3ad2738b00b835cccda0c7cbcd51c26b62782eb1b8cc04b
+  metadata.gz: 55ac30f388550b8f685eb5bf5dce3a9ed1c506387fc9cb58b94746f41f103f5f
+  data.tar.gz: 0275dc1471bbee9c227de6bbe30800bcb2dbab8c580b521c516d7c4e7c30539e
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-  data.tar.gz: 711946095b9706ebb435a07e0ac013805f6161f5848eb9e90226caebb23fb18279068f518f4b5476c766f38d43320c4f92be566cfd39a5b38f43d3df41e594bf
+  metadata.gz: a9946430baa65f8a3375dd78f87256c1b99c7ee3ad81127381d59bad50449eeb92db6c1d76e8e1298eaf6b9a45c77e024e18dae38b961777c91e8689ad468306
+  data.tar.gz: 4ca5d93ed5ed2900ae9997e212447f0e836842ce8d4cdcde2033e4f325e65745c5aa89e90ad96e71c2cab139792409ff431452fa034e755f24f65bc4eaa15d5d

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", "~> 1.361.0"
+gem "increase", "~> 1.362.0"
 ```
 
 <!-- x-release-please-end -->

data/lib/increase/internal/transport/pooled_net_requester.rb

@@ -64,6 +64,9 @@ module Increase
           # @return [Array(Net::HTTPGenericRequest, Proc)]
           def build_request(request, &blk)
             method, url, headers, body = request.fetch_values(:method, :url, :headers, :body)
+            # Streamed bodies (e.g. multipart) arrive as a factory so each attempt gets a fresh stream.
+            body = body.call if body.is_a?(Proc)
+
             req = Net::HTTPGenericRequest.new(
               method.to_s.upcase,
               !body.nil?,

data/lib/increase/internal/util.rb

@@ -608,34 +608,39 @@ module Increase
         #
         # @param body [Object]
         #
-        # @return [Array(String, Enumerable<String>)]
+        # @return [Array(String, Proc)]
         private def encode_multipart_streaming(body)
           # rubocop:disable Style/CaseEquality
           # RFC 1521 Section 7.2.1 says we should have 70 char maximum for boundary length
           boundary = SecureRandom.urlsafe_base64(46)
 
-          closing = []
-          strio = writable_enum do |y|
-            case body
-            in Hash
-              body.each do |key, val|
-                case val
-                in Array if val.all? { primitive?(_1) || Increase::Internal::Type::FileInput === _1 }
-                  val.each do |v|
-                    write_multipart_chunk(y, boundary: boundary, key: key, val: v, closing: closing)
+          # Retries and redirects resend the request, and a streamed body can only be read
+          # once, so hand back a factory that builds a fresh stream for each attempt.
+          stream = lambda do
+            closing = []
+            strio = writable_enum do |y|
+              case body
+              in Hash
+                body.each do |key, val|
+                  case val
+                  in Array if val.all? { primitive?(_1) || Increase::Internal::Type::FileInput === _1 }
+                    val.each do |v|
+                      write_multipart_chunk(y, boundary: boundary, key: key, val: v, closing: closing)
+                    end
+                  else
+                    write_multipart_chunk(y, boundary: boundary, key: key, val: val, closing: closing)
                   end
-                else
-                  write_multipart_chunk(y, boundary: boundary, key: key, val: val, closing: closing)
                 end
+              else
+                write_multipart_chunk(y, boundary: boundary, key: nil, val: body, closing: closing)
               end
-            else
-              write_multipart_chunk(y, boundary: boundary, key: nil, val: body, closing: closing)
+              y << "--#{boundary}--\r\n"
             end
-            y << "--#{boundary}--\r\n"
+
+            fused_enum(strio) { closing.each(&:call) }
           end
 
-          fused_io = fused_enum(strio) { closing.each(&:call) }
-          [boundary, fused_io]
+          [boundary, stream]
           # rubocop:enable Style/CaseEquality
         end
 

data/lib/increase/models/ach_transfer_create_params.rb

@@ -8,15 +8,20 @@ module Increase
       include Increase::Internal::Type::RequestParameters
 
       # @!attribute account_id
-      #   The Increase identifier for the account that will send the transfer.
+      #   The Increase identifier for the account that will originate the transfer. For
+      #   credit transfers (transfers with a positive `amount`), this is the account that
+      #   funds will be sent from. For debit transfers (transfers with a negative
+      #   `amount`), this is the account that funds will be pulled into.
       #
       #   @return [String]
       required :account_id, String
 
       # @!attribute amount
       #   The transfer amount in USD cents. A positive amount originates a credit transfer
-      #   pushing funds to the receiving account. A negative amount originates a debit
-      #   transfer pulling funds from the receiving account.
+      #   pushing funds from Increase to the account at the other bank. A negative amount
+      #   originates a debit transfer pulling funds from the account at the other bank
+      #   into Increase. Debit transfers
+      #   [might result in a hold before funds are available](/documentation/sending-ach-debit-transfers).
       #
       #   @return [Integer]
       required :amount, Integer
@@ -33,9 +38,10 @@ module Increase
       required :statement_descriptor, String
 
       # @!attribute account_number
-      #   The receiver's account number. For credit transfers (positive `amount`) this is
-      #   the account that funds will be sent to. For debit transfers (negative `amount`)
-      #   this is the account that funds will be pulled from.
+      #   The receiver's account number. For credit transfers (transfers with a positive
+      #   `amount`), this is the account that funds will be sent to. For debit transfers
+      #   (transfers with a negative `amount`), this is the account that funds will be
+      #   pulled from.
       #
       #   @return [String, nil]
       optional :account_number, String
@@ -58,27 +64,32 @@ module Increase
       optional :company_descriptive_date, String
 
       # @!attribute company_discretionary_data
-      #   Custom data sent in the company batch header. This value is informational and
-      #   does not affect funds movement, settlement timing, or returns. Most ACH
-      #   transfers do not need this. Only set this if your recipient has asked for it.
+      #   Custom data sent in the company batch header, meant as metadata for the
+      #   originator. This value is informational and does not affect funds movement,
+      #   settlement timing, or returns. Most ACH transfers do not need this; we recommend
+      #   storing metadata in your own application instead.
       #
       #   @return [String, nil]
       optional :company_discretionary_data, String
 
       # @!attribute company_entry_description
-      #   A short description sent in the company batch header. Most receivers do not
-      #   surface this. Only set this if your recipient has asked for a specific value or
-      #   if Nacha mandates one for your Standard Entry Class (SEC) code and use case. For
-      #   example, Prearranged Payment and Deposit (PPD) payroll credits must use
-      #   `PAYROLL`, and reversals must use `REVERSAL`.
+      #   A short description sent in the company batch header, meant to provide the
+      #   receiver with a reason for the transfer. Many receivers do not surface this data
+      #   on the receiver's bank statement. Only set this if your recipient has asked for
+      #   a specific value or if Nacha mandates one for your Standard Entry Class (SEC)
+      #   code and use case. For example, some use cases require constants like
+      #   `ACCTVERIFY`, `PURCHASE`, `PAYROLL`, or `REVERSAL`.
       #
       #   @return [String, nil]
       optional :company_entry_description, String
 
       # @!attribute company_name
-      #   The name by which the recipient knows you, sent in the company batch header. We
-      #   recommend setting this on every transfer; if you do not, we fall back to the
-      #   `statement_descriptor`.
+      #   The name by which the recipient knows the counterparty of this transaction. If
+      #   you're processing payments on behalf of another party, use their name, not your
+      #   own, so that it's more likely the recipient understands the context of the
+      #   payment. This value is usually displayed to the recipient on their bank
+      #   statement. We recommend setting this on every transfer; if you do not, we fall
+      #   back to the `statement_descriptor`.
       #
       #   @return [String, nil]
       optional :company_name, String
@@ -106,15 +117,19 @@ module Increase
       optional :funding, enum: -> { Increase::ACHTransferCreateParams::Funding }
 
       # @!attribute individual_id
-      #   Your internal identifier for the transfer recipient. This value is informational
-      #   and not verified by the recipient's bank. Most callers can leave this unset.
+      #   Your internal identifier for the recipient. This value is informational and
+      #   generally not verified by the recipient's bank. Most callers can leave this
+      #   unset. For the specific case of person-to-person credits with the WEB standard
+      #   entry class code, this must include the name of the payer.
       #
       #   @return [String, nil]
       optional :individual_id, String
 
       # @!attribute individual_name
-      #   The name of the transfer recipient. This value is informational and not verified
-      #   by the recipient's bank.
+      #   The name of the transfer recipient. This value is informational and generally
+      #   not verified by the recipient's bank. This value is usually displayed to the
+      #   recipient on their bank statement. We recommend setting this on every transfer;
+      #   if you do not, we fall back to the `statement_descriptor`.
       #
       #   @return [String, nil]
       optional :individual_name, String
@@ -152,12 +167,18 @@ module Increase
                enum: -> { Increase::ACHTransferCreateParams::StandardEntryClassCode }
 
       # @!method initialize(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.
+      #   @param account_id [String]
+      #     The Increase identifier for the account that will originate the transfer. For
+      #     credit transfers (transfers with a positive `amount`), this is the account that
+      #     funds will be sent from. For debit transfers (transfers with a negative
+      #     `amount`), this is the account that funds will be pulled into.
       #
       #   @param amount [Integer]
       #     The transfer amount in USD cents. A positive amount originates a credit transfer
-      #     pushing funds to the receiving account. A negative amount originates a debit
-      #     transfer pulling funds from the receiving account.
+      #     pushing funds from Increase to the account at the other bank. A negative amount
+      #     originates a debit transfer pulling funds from the account at the other bank
+      #     into Increase. Debit transfers
+      #     [might result in a hold before funds are available](/documentation/sending-ach-debit-transfers).
       #
       #   @param statement_descriptor [String]
       #     A description you choose to give the transfer. This will be saved with the
@@ -168,9 +189,10 @@ module Increase
       #     `individual_name` and `company_name` instead of relying on this fallback.
       #
       #   @param account_number [String]
-      #     The receiver's account number. For credit transfers (positive `amount`) this is
-      #     the account that funds will be sent to. For debit transfers (negative `amount`)
-      #     this is the account that funds will be pulled from.
+      #     The receiver's account number. For credit transfers (transfers with a positive
+      #     `amount`), this is the account that funds will be sent to. For debit transfers
+      #     (transfers with a negative `amount`), this is the account that funds will be
+      #     pulled from.
       #
       #   @param addenda [Increase::Models::ACHTransferCreateParams::Addenda]
       #     Additional information passed through to the receiving bank with the transfer.
@@ -184,21 +206,26 @@ module Increase
       #     settlement timing, or returns. Only set this if your recipient has asked for it.
       #
       #   @param company_discretionary_data [String]
-      #     Custom data sent in the company batch header. This value is informational and
-      #     does not affect funds movement, settlement timing, or returns. Most ACH
-      #     transfers do not need this. Only set this if your recipient has asked for it.
+      #     Custom data sent in the company batch header, meant as metadata for the
+      #     originator. This value is informational and does not affect funds movement,
+      #     settlement timing, or returns. Most ACH transfers do not need this; we recommend
+      #     storing metadata in your own application instead.
       #
       #   @param company_entry_description [String]
-      #     A short description sent in the company batch header. Most receivers do not
-      #     surface this. Only set this if your recipient has asked for a specific value or
-      #     if Nacha mandates one for your Standard Entry Class (SEC) code and use case. For
-      #     example, Prearranged Payment and Deposit (PPD) payroll credits must use
-      #     `PAYROLL`, and reversals must use `REVERSAL`.
+      #     A short description sent in the company batch header, meant to provide the
+      #     receiver with a reason for the transfer. Many receivers do not surface this data
+      #     on the receiver's bank statement. Only set this if your recipient has asked for
+      #     a specific value or if Nacha mandates one for your Standard Entry Class (SEC)
+      #     code and use case. For example, some use cases require constants like
+      #     `ACCTVERIFY`, `PURCHASE`, `PAYROLL`, or `REVERSAL`.
       #
       #   @param company_name [String]
-      #     The name by which the recipient knows you, sent in the company batch header. We
-      #     recommend setting this on every transfer; if you do not, we fall back to the
-      #     `statement_descriptor`.
+      #     The name by which the recipient knows the counterparty of this transaction. If
+      #     you're processing payments on behalf of another party, use their name, not your
+      #     own, so that it's more likely the recipient understands the context of the
+      #     payment. This value is usually displayed to the recipient on their bank
+      #     statement. We recommend setting this on every transfer; if you do not, we fall
+      #     back to the `statement_descriptor`.
       #
       #   @param destination_account_holder [Symbol, Increase::Models::ACHTransferCreateParams::DestinationAccountHolder]
       #     The type of entity that owns the receiver's account.
@@ -213,12 +240,16 @@ module Increase
       #     Defaults to `checking`.
       #
       #   @param individual_id [String]
-      #     Your internal identifier for the transfer recipient. This value is informational
-      #     and not verified by the recipient's bank. Most callers can leave this unset.
+      #     Your internal identifier for the recipient. This value is informational and
+      #     generally not verified by the recipient's bank. Most callers can leave this
+      #     unset. For the specific case of person-to-person credits with the WEB standard
+      #     entry class code, this must include the name of the payer.
       #
       #   @param individual_name [String]
-      #     The name of the transfer recipient. This value is informational and not verified
-      #     by the recipient's bank.
+      #     The name of the transfer recipient. This value is informational and generally
+      #     not verified by the recipient's bank. This value is usually displayed to the
+      #     recipient on their bank statement. We recommend setting this on every transfer;
+      #     if you do not, we fall back to the `statement_descriptor`.
       #
       #   @param preferred_effective_date [Increase::Models::ACHTransferCreateParams::PreferredEffectiveDate]
       #     Configuration for how the effective date of the transfer will be set. This

data/lib/increase/models/simulations/card_dispute_action_params.rb

@@ -68,6 +68,14 @@ module Increase
           #   @return [Increase::Models::Simulations::CardDisputeActionParams::Visa::AcceptChargeback, nil]
           optional :accept_chargeback, -> { Increase::Simulations::CardDisputeActionParams::Visa::AcceptChargeback }
 
+          # @!attribute accept_user_prearbitration
+          #   The parameters for accepting the user prearbitration. Required if and only if
+          #   `action` is `accept_user_prearbitration`.
+          #
+          #   @return [Increase::Models::Simulations::CardDisputeActionParams::Visa::AcceptUserPrearbitration, nil]
+          optional :accept_user_prearbitration,
+                   -> { Increase::Simulations::CardDisputeActionParams::Visa::AcceptUserPrearbitration }
+
           # @!attribute accept_user_submission
           #   The parameters for accepting the user submission. Required if and only if
           #   `action` is `accept_user_submission`.
@@ -146,7 +154,7 @@ module Increase
           optional :time_out_user_prearbitration,
                    -> { Increase::Simulations::CardDisputeActionParams::Visa::TimeOutUserPrearbitration }
 
-          # @!method initialize(action:, accept_chargeback: nil, accept_user_submission: nil, decline_user_prearbitration: nil, receive_merchant_prearbitration: nil, reject: nil, represent: nil, request_further_information: nil, time_out_chargeback: nil, time_out_merchant_prearbitration: nil, time_out_representment: nil, time_out_user_prearbitration: nil)
+          # @!method initialize(action:, accept_chargeback: nil, accept_user_prearbitration: nil, accept_user_submission: nil, decline_user_prearbitration: nil, receive_merchant_prearbitration: nil, reject: nil, represent: nil, request_further_information: nil, time_out_chargeback: nil, time_out_merchant_prearbitration: nil, time_out_representment: nil, time_out_user_prearbitration: nil)
           #   The Visa-specific parameters for taking action on the dispute. Required if and
           #   only if `network` is `visa`.
           #
@@ -158,6 +166,10 @@ module Increase
           #     The parameters for accepting the chargeback. Required if and only if `action` is
           #     `accept_chargeback`.
           #
+          #   @param accept_user_prearbitration [Increase::Models::Simulations::CardDisputeActionParams::Visa::AcceptUserPrearbitration]
+          #     The parameters for accepting the user prearbitration. Required if and only if
+          #     `action` is `accept_user_prearbitration`.
+          #
           #   @param accept_user_submission [Increase::Models::Simulations::CardDisputeActionParams::Visa::AcceptUserSubmission]
           #     The parameters for accepting the user submission. Required if and only if
           #     `action` is `accept_user_submission`.
@@ -208,19 +220,22 @@ 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.
@@ -235,7 +250,7 @@ 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
 
             # @!method self.values
@@ -249,6 +264,13 @@ module Increase
             #   `accept_chargeback`.
           end
 
+          # @see Increase::Models::Simulations::CardDisputeActionParams::Visa#accept_user_prearbitration
+          class AcceptUserPrearbitration < Increase::Internal::Type::BaseModel
+            # @!method initialize
+            #   The parameters for accepting the user prearbitration. Required if and only if
+            #   `action` is `accept_user_prearbitration`.
+          end
+
           # @see Increase::Models::Simulations::CardDisputeActionParams::Visa#accept_user_submission
           class AcceptUserSubmission < Increase::Internal::Type::BaseModel
             # @!method initialize

data/lib/increase/models/simulations/wire_drawdown_request_refuse_params.rb

@@ -14,10 +14,61 @@ module Increase
         #   @return [String]
         required :wire_drawdown_request_id, String
 
-        # @!method initialize(wire_drawdown_request_id:, request_options: {})
+        # @!attribute refusal_reason_additional_information
+        #   Additional information about the refusal that the simulated refusal will have.
+        #
+        #   @return [String, nil]
+        optional :refusal_reason_additional_information, String
+
+        # @!attribute refusal_reason_code
+        #   The reason code that the simulated refusal will have.
+        #
+        #   Defaults to `other`.
+        #
+        #   @return [Symbol, Increase::Models::Simulations::WireDrawdownRequestRefuseParams::RefusalReasonCode, nil]
+        optional :refusal_reason_code,
+                 enum: -> { Increase::Simulations::WireDrawdownRequestRefuseParams::RefusalReasonCode }
+
+        # @!method initialize(wire_drawdown_request_id:, refusal_reason_additional_information: nil, refusal_reason_code: nil, request_options: {})
         #   @param wire_drawdown_request_id [String] The identifier of the Wire Drawdown Request you wish to refuse.
         #
+        #   @param refusal_reason_additional_information [String]
+        #     Additional information about the refusal that the simulated refusal will have.
+        #
+        #   @param refusal_reason_code [Symbol, Increase::Models::Simulations::WireDrawdownRequestRefuseParams::RefusalReasonCode]
+        #     The reason code that the simulated refusal will have.
+        #
+        #     Defaults to `other`.
+        #
         #   @param request_options [Increase::RequestOptions, Hash{Symbol=>Object}]
+
+        # The reason code that the simulated refusal will have.
+        #
+        # Defaults to `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
+
+          # @!method self.values
+          #   @return [Array<Symbol>]
+        end
       end
     end
   end

data/lib/increase/models/wire_drawdown_request.rb

@@ -108,6 +108,13 @@ module Increase
       #   @return [String, nil]
       required :idempotency_key, String, nil?: true
 
+      # @!attribute refusal
+      #   If the debtor refuses the drawdown request, this will contain supplemental
+      #   details.
+      #
+      #   @return [Increase::Models::WireDrawdownRequest::Refusal, nil]
+      required :refusal, -> { Increase::WireDrawdownRequest::Refusal }, nil?: true
+
       # @!attribute status
       #   The lifecycle status of the drawdown request.
       #
@@ -142,7 +149,7 @@ module Increase
       #   @return [String]
       required :unstructured_remittance_information, String
 
-      # @!method initialize(id:, account_id:, account_number_id:, amount:, created_at:, creditor_address:, creditor_name:, currency:, debtor_account_number:, debtor_address:, debtor_external_account_id:, debtor_name:, debtor_routing_number:, end_to_end_identification:, fulfillment_inbound_wire_transfer_id:, idempotency_key:, status:, submission:, type:, unique_end_to_end_transaction_reference:, unstructured_remittance_information:)
+      # @!method initialize(id:, account_id:, account_number_id:, amount:, created_at:, creditor_address:, creditor_name:, currency:, debtor_account_number:, debtor_address:, debtor_external_account_id:, debtor_name:, debtor_routing_number:, end_to_end_identification:, fulfillment_inbound_wire_transfer_id:, idempotency_key:, refusal:, status:, submission:, type:, unique_end_to_end_transaction_reference:, unstructured_remittance_information:)
       #   Wire drawdown requests enable you to request that someone else send you a wire.
       #   Because there is nuance to making sure your counterparty's bank processes these
       #   correctly, we ask that you reach out to
@@ -197,6 +204,10 @@ module Increase
       #     Increase and is used to ensure that a request is only processed once. Learn more
       #     about [idempotency](https://increase.com/documentation/idempotency-keys).
       #
+      #   @param refusal [Increase::Models::WireDrawdownRequest::Refusal, nil]
+      #     If the debtor refuses the drawdown request, this will contain supplemental
+      #     details.
+      #
       #   @param status [Symbol, Increase::Models::WireDrawdownRequest::Status]
       #     The lifecycle status of the drawdown request.
       #
@@ -334,6 +345,72 @@ module Increase
         #   @param state [String, nil] The address state.
       end
 
+      # @see Increase::Models::WireDrawdownRequest#refusal
+      class Refusal < Increase::Internal::Type::BaseModel
+        # @!attribute refusal_reason_additional_information
+        #   Additional information about the refusal provided by the debtor bank. This is
+        #   typically present when the `refusal_reason_code` is `narrative`.
+        #
+        #   @return [String, nil]
+        required :refusal_reason_additional_information, String, nil?: true
+
+        # @!attribute refusal_reason_code
+        #   The reason the wire drawdown request was refused as provided by the debtor bank.
+        #
+        #   @return [Symbol, Increase::Models::WireDrawdownRequest::Refusal::RefusalReasonCode]
+        required :refusal_reason_code, enum: -> { Increase::WireDrawdownRequest::Refusal::RefusalReasonCode }
+
+        # @!attribute refused_at
+        #   The [ISO 8601](https://en.wikipedia.org/wiki/ISO_8601) date and time at which
+        #   the wire drawdown request was refused.
+        #
+        #   @return [Time]
+        required :refused_at, Time
+
+        # @!method initialize(refusal_reason_additional_information:, refusal_reason_code:, refused_at:)
+        #   If the debtor refuses the drawdown request, this will contain supplemental
+        #   details.
+        #
+        #   @param refusal_reason_additional_information [String, nil]
+        #     Additional information about the refusal provided by the debtor bank. This is
+        #     typically present when the `refusal_reason_code` is `narrative`.
+        #
+        #   @param refusal_reason_code [Symbol, Increase::Models::WireDrawdownRequest::Refusal::RefusalReasonCode]
+        #     The reason the wire drawdown request was refused as provided by the debtor bank.
+        #
+        #   @param refused_at [Time]
+        #     The [ISO 8601](https://en.wikipedia.org/wiki/ISO_8601) date and time at which
+        #     the wire drawdown request was refused.
+
+        # The reason the wire drawdown request was refused as provided by the debtor bank.
+        #
+        # @see Increase::Models::WireDrawdownRequest::Refusal#refusal_reason_code
+        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
+
+          # @!method self.values
+          #   @return [Array<Symbol>]
+        end
+      end
+
       # The lifecycle status of the drawdown request.
       #
       # @see Increase::Models::WireDrawdownRequest#status