increase 1.361.0 → 1.362.0

data/rbi/increase/models/wire_drawdown_request.rbi

@@ -95,6 +95,18 @@ module Increase
       sig { returns(T.nilable(String)) }
       attr_accessor :idempotency_key
 
+      # If the debtor refuses the drawdown request, this will contain supplemental
+      # details.
+      sig { returns(T.nilable(Increase::WireDrawdownRequest::Refusal)) }
+      attr_reader :refusal
+
+      sig do
+        params(
+          refusal: T.nilable(Increase::WireDrawdownRequest::Refusal::OrHash)
+        ).void
+      end
+      attr_writer :refusal
+
       # The lifecycle status of the drawdown request.
       sig { returns(Increase::WireDrawdownRequest::Status::TaggedSymbol) }
       attr_accessor :status
@@ -152,6 +164,7 @@ module Increase
           end_to_end_identification: T.nilable(String),
           fulfillment_inbound_wire_transfer_id: T.nilable(String),
           idempotency_key: T.nilable(String),
+          refusal: T.nilable(Increase::WireDrawdownRequest::Refusal::OrHash),
           status: Increase::WireDrawdownRequest::Status::OrSymbol,
           submission:
             T.nilable(Increase::WireDrawdownRequest::Submission::OrHash),
@@ -201,6 +214,9 @@ 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).
         idempotency_key:,
+        # If the debtor refuses the drawdown request, this will contain supplemental
+        # details.
+        refusal:,
         # The lifecycle status of the drawdown request.
         status:,
         # After the drawdown request is submitted to Fedwire, this will contain
@@ -237,6 +253,7 @@ module Increase
             end_to_end_identification: T.nilable(String),
             fulfillment_inbound_wire_transfer_id: T.nilable(String),
             idempotency_key: T.nilable(String),
+            refusal: T.nilable(Increase::WireDrawdownRequest::Refusal),
             status: Increase::WireDrawdownRequest::Status::TaggedSymbol,
             submission: T.nilable(Increase::WireDrawdownRequest::Submission),
             type: Increase::WireDrawdownRequest::Type::TaggedSymbol,
@@ -408,6 +425,135 @@ module Increase
         end
       end
 
+      class Refusal < Increase::Internal::Type::BaseModel
+        OrHash =
+          T.type_alias do
+            T.any(
+              Increase::WireDrawdownRequest::Refusal,
+              Increase::Internal::AnyHash
+            )
+          end
+
+        # Additional information about the refusal provided by the debtor bank. This is
+        # typically present when the `refusal_reason_code` is `narrative`.
+        sig { returns(T.nilable(String)) }
+        attr_accessor :refusal_reason_additional_information
+
+        # The reason the wire drawdown request was refused as provided by the debtor bank.
+        sig do
+          returns(
+            Increase::WireDrawdownRequest::Refusal::RefusalReasonCode::TaggedSymbol
+          )
+        end
+        attr_accessor :refusal_reason_code
+
+        # The [ISO 8601](https://en.wikipedia.org/wiki/ISO_8601) date and time at which
+        # the wire drawdown request was refused.
+        sig { returns(Time) }
+        attr_accessor :refused_at
+
+        # If the debtor refuses the drawdown request, this will contain supplemental
+        # details.
+        sig do
+          params(
+            refusal_reason_additional_information: T.nilable(String),
+            refusal_reason_code:
+              Increase::WireDrawdownRequest::Refusal::RefusalReasonCode::OrSymbol,
+            refused_at: Time
+          ).returns(T.attached_class)
+        end
+        def self.new(
+          # Additional information about the refusal provided by the debtor bank. This is
+          # typically present when the `refusal_reason_code` is `narrative`.
+          refusal_reason_additional_information:,
+          # The reason the wire drawdown request was refused as provided by the debtor bank.
+          refusal_reason_code:,
+          # The [ISO 8601](https://en.wikipedia.org/wiki/ISO_8601) date and time at which
+          # the wire drawdown request was refused.
+          refused_at:
+        )
+        end
+
+        sig do
+          override.returns(
+            {
+              refusal_reason_additional_information: T.nilable(String),
+              refusal_reason_code:
+                Increase::WireDrawdownRequest::Refusal::RefusalReasonCode::TaggedSymbol,
+              refused_at: Time
+            }
+          )
+        end
+        def to_hash
+        end
+
+        # The reason the wire drawdown request was refused as provided by the debtor bank.
+        module RefusalReasonCode
+          extend Increase::Internal::Type::Enum
+
+          TaggedSymbol =
+            T.type_alias do
+              T.all(
+                Symbol,
+                Increase::WireDrawdownRequest::Refusal::RefusalReasonCode
+              )
+            end
+          OrSymbol = T.type_alias { T.any(Symbol, String) }
+
+          # The debtor's account number is invalid or missing. Corresponds to the Fedwire reason code `AC02`.
+          INVALID_DEBTOR_ACCOUNT_NUMBER =
+            T.let(
+              :invalid_debtor_account_number,
+              Increase::WireDrawdownRequest::Refusal::RefusalReasonCode::TaggedSymbol
+            )
+
+          # The debtor account does not allow drawdown requests. Corresponds to the Fedwire reason code `AG01`.
+          TRANSACTION_FORBIDDEN =
+            T.let(
+              :transaction_forbidden,
+              Increase::WireDrawdownRequest::Refusal::RefusalReasonCode::TaggedSymbol
+            )
+
+          # The debtor account cannot be debited for a generic reason. Corresponds to the Fedwire reason code `AG07`.
+          UNSUCCESSFUL_DIRECT_DEBIT =
+            T.let(
+              :unsuccessful_direct_debit,
+              Increase::WireDrawdownRequest::Refusal::RefusalReasonCode::TaggedSymbol
+            )
+
+          # The debtor's identification is inconsistent with the debtor account number. Corresponds to the Fedwire reason code `BE01`.
+          INCONSISTENT_WITH_END_CUSTOMER =
+            T.let(
+              :inconsistent_with_end_customer,
+              Increase::WireDrawdownRequest::Refusal::RefusalReasonCode::TaggedSymbol
+            )
+
+          # The reason is provided as narrative information in the additional information field. Corresponds to the Fedwire reason code `NARR`.
+          NARRATIVE =
+            T.let(
+              :narrative,
+              Increase::WireDrawdownRequest::Refusal::RefusalReasonCode::TaggedSymbol
+            )
+
+          # Some other error or issue has occurred.
+          OTHER =
+            T.let(
+              :other,
+              Increase::WireDrawdownRequest::Refusal::RefusalReasonCode::TaggedSymbol
+            )
+
+          sig do
+            override.returns(
+              T::Array[
+                Increase::WireDrawdownRequest::Refusal::RefusalReasonCode::TaggedSymbol
+              ]
+            )
+          end
+          def self.values
+          end
+        end
+      end
+
       # The lifecycle status of the drawdown request.
       module Status
         extend Increase::Internal::Type::Enum

data/rbi/increase/resources/ach_transfers.rbi

@@ -3,7 +3,12 @@
 module Increase
   module Resources
     class ACHTransfers
-      # Create an ACH Transfer
+      # An ACH Transfer has two primary descriptive fields:
+      # [`company_name`](/documentation/api/ach-transfers#create-an-ach-transfer.company_name)
+      # and
+      # [`individual_name`](/documentation/api/ach-transfers#create-an-ach-transfer.individual_name).
+      # You should set both of these, in addition to the required amount and account
+      # fields.
       sig do
         params(
           account_id: String,
@@ -31,11 +36,16 @@ module Increase
         ).returns(Increase::ACHTransfer)
       end
       def create(
-        # 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.
         account_id:,
         # 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).
         amount:,
         # A description you choose to give the transfer. This will be saved with the
         # transfer details, displayed in the dashboard, and returned by the API. If
@@ -44,9 +54,10 @@ module Increase
         # help the customer recognize the transfer. You are highly encouraged to pass
         # `individual_name` and `company_name` instead of relying on this fallback.
         statement_descriptor:,
-        # 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.
         account_number: nil,
         # Additional information passed through to the receiving bank with the transfer.
         # Most ACH transfers do not need this. Only set this if your recipient has asked
@@ -57,19 +68,24 @@ module Increase
         # batch header. This value is informational and does not affect funds movement,
         # settlement timing, or returns. Only set this if your recipient has asked for it.
         company_descriptive_date: nil,
-        # 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.
         company_discretionary_data: nil,
-        # 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`.
         company_entry_description: nil,
-        # 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`.
         company_name: nil,
         # The type of entity that owns the receiver's account.
         destination_account_holder: nil,
@@ -80,11 +96,15 @@ module Increase
         #
         # Defaults to `checking`.
         funding: nil,
-        # 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.
         individual_id: nil,
-        # 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`.
         individual_name: nil,
         # Configuration for how the effective date of the transfer will be set. This
         # determines same-day vs future-dated settlement timing. If not set, defaults to a

data/rbi/increase/resources/simulations/wire_drawdown_requests.rbi

@@ -8,12 +8,21 @@ module Increase
         sig do
           params(
             wire_drawdown_request_id: String,
+            refusal_reason_additional_information: String,
+            refusal_reason_code:
+              Increase::Simulations::WireDrawdownRequestRefuseParams::RefusalReasonCode::OrSymbol,
             request_options: Increase::RequestOptions::OrHash
           ).returns(Increase::WireDrawdownRequest)
         end
         def refuse(
           # The identifier of the Wire Drawdown Request you wish to refuse.
           wire_drawdown_request_id,
+          # Additional information about the refusal that the simulated refusal will have.
+          refusal_reason_additional_information: nil,
+          # The reason code that the simulated refusal will have.
+          #
+          # Defaults to `other`.
+          refusal_reason_code: nil,
           request_options: {}
         )
         end

data/sig/increase/internal/util.rbs

@@ -137,7 +137,7 @@ module Increase
 
       def self?.encode_multipart_streaming: (
         top body
-      ) -> [String, Enumerable[String]]
+      ) -> [String, (^-> Enumerable[String])]
 
       def self?.encode_content: (
         ::Hash[String, String] headers,

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/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/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: 1.361.0
+  version: 1.362.0
 platform: ruby
 authors:
 - Increase
 autorequire:
 bindir: bin
 cert_chain: []
-date: 2026-10-27 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