increase 1.361.0 → 1.363.0

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/transaction.rb

@@ -1129,8 +1129,8 @@ module Increase
           # @!attribute statement_descriptor
           #   A description set when the ACH Transfer was created.
           #
-          #   @return [String]
-          required :statement_descriptor, String
+          #   @return [String, nil]
+          required :statement_descriptor, String, nil?: true
 
           # @!attribute transfer_id
           #   The identifier of the ACH Transfer that led to this Transaction.
@@ -1154,7 +1154,7 @@ module Increase
           #     The American Bankers' Association (ABA) Routing Transit Number (RTN) for the
           #     destination account.
           #
-          #   @param statement_descriptor [String] A description set when the ACH Transfer was created.
+          #   @param statement_descriptor [String, nil] A description set when the ACH Transfer was created.
           #
           #   @param transfer_id [String] The identifier of the ACH Transfer that led to this Transaction.
         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

data/lib/increase/models.rb

@@ -335,10 +335,6 @@ module Increase
 
   FileRetrieveParams = Increase::Models::FileRetrieveParams
 
-  Group = Increase::Models::Group
-
-  GroupRetrieveParams = Increase::Models::GroupRetrieveParams
-
   InboundACHTransfer = Increase::Models::InboundACHTransfer
 
   InboundACHTransferCreateNotificationOfChangeParams =
@@ -391,6 +387,9 @@ module Increase
   InboundRealTimePaymentsTransferRetrieveParams =
     Increase::Models::InboundRealTimePaymentsTransferRetrieveParams
 
+  InboundRealTimePaymentsTransferReturnParams =
+    Increase::Models::InboundRealTimePaymentsTransferReturnParams
+
   InboundWireDrawdownRequest = Increase::Models::InboundWireDrawdownRequest
 
   InboundWireDrawdownRequestListParams = Increase::Models::InboundWireDrawdownRequestListParams
@@ -449,22 +448,6 @@ module Increase
 
   LockboxRecipientUpdateParams = Increase::Models::LockboxRecipientUpdateParams
 
-  OAuthApplication = Increase::Models::OAuthApplication
-
-  OAuthApplicationListParams = Increase::Models::OAuthApplicationListParams
-
-  OAuthApplicationRetrieveParams = Increase::Models::OAuthApplicationRetrieveParams
-
-  OAuthConnection = Increase::Models::OAuthConnection
-
-  OAuthConnectionListParams = Increase::Models::OAuthConnectionListParams
-
-  OAuthConnectionRetrieveParams = Increase::Models::OAuthConnectionRetrieveParams
-
-  OAuthToken = Increase::Models::OAuthToken
-
-  OAuthTokenCreateParams = Increase::Models::OAuthTokenCreateParams
-
   PendingTransaction = Increase::Models::PendingTransaction
 
   PendingTransactionCreateParams = Increase::Models::PendingTransactionCreateParams

data/lib/increase/resources/ach_transfers.rb

@@ -3,16 +3,27 @@
 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.
       #
       # @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.
+      # @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
@@ -23,9 +34,10 @@ 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.
@@ -39,21 +51,26 @@ 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.
@@ -68,12 +85,16 @@ 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/resources/inbound_real_time_payments_transfers.rb

@@ -64,6 +64,34 @@ module Increase
         )
       end
 
+      # Return an Inbound Real-Time Payments Transfer
+      #
+      # @overload return_(inbound_real_time_payments_transfer_id, amount: nil, request_options: {})
+      #
+      # @param inbound_real_time_payments_transfer_id [String]
+      #   The identifier of the Inbound Real-Time Payments Transfer to return to its
+      #   sender.
+      #
+      # @param amount [Integer]
+      #   The amount to return, in USD cents. Defaults to the full amount of the Inbound
+      #   Real-Time Payments Transfer, and can't be higher than it.
+      #
+      # @param request_options [Increase::RequestOptions, Hash{Symbol=>Object}, nil]
+      #
+      # @return [Increase::Models::RealTimePaymentsTransfer]
+      #
+      # @see Increase::Models::InboundRealTimePaymentsTransferReturnParams
+      def return_(inbound_real_time_payments_transfer_id, params = {})
+        parsed, options = Increase::InboundRealTimePaymentsTransferReturnParams.dump_request(params)
+        @client.request(
+          method: :post,
+          path: ["inbound_real_time_payments_transfers/%1$s/return", inbound_real_time_payments_transfer_id],
+          body: parsed,
+          model: Increase::RealTimePaymentsTransfer,
+          options: options
+        )
+      end
+
       # @api private
       #
       # @param client [Increase::Client]

data/lib/increase/resources/simulations/wire_drawdown_requests.rb

@@ -6,21 +6,31 @@ module Increase
       class WireDrawdownRequests
         # Simulates a Wire Drawdown Request being refused by the debtor.
         #
-        # @overload refuse(wire_drawdown_request_id, request_options: {})
+        # @overload refuse(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}, nil]
         #
         # @return [Increase::Models::WireDrawdownRequest]
         #
         # @see Increase::Models::Simulations::WireDrawdownRequestRefuseParams
         def refuse(wire_drawdown_request_id, params = {})
+          parsed, options = Increase::Simulations::WireDrawdownRequestRefuseParams.dump_request(params)
           @client.request(
             method: :post,
             path: ["simulations/wire_drawdown_requests/%1$s/refuse", wire_drawdown_request_id],
+            body: parsed,
             model: Increase::WireDrawdownRequest,
-            options: params[:request_options]
+            options: options
           )
         end
 

data/lib/increase/version.rb

@@ -1,5 +1,5 @@
 # frozen_string_literal: true
 
 module Increase
-  VERSION = "1.361.0"
+  VERSION = "1.363.0"
 end

data/lib/increase.rb

@@ -202,8 +202,6 @@ require_relative "increase/models/file_link"
 require_relative "increase/models/file_link_create_params"
 require_relative "increase/models/file_list_params"
 require_relative "increase/models/file_retrieve_params"
-require_relative "increase/models/group"
-require_relative "increase/models/group_retrieve_params"
 require_relative "increase/models/inbound_ach_transfer"
 require_relative "increase/models/inbound_ach_transfer_create_notification_of_change_params"
 require_relative "increase/models/inbound_ach_transfer_decline_params"
@@ -228,6 +226,7 @@ require_relative "increase/models/inbound_real_time_payments_requests_for_paymen
 require_relative "increase/models/inbound_real_time_payments_transfer"
 require_relative "increase/models/inbound_real_time_payments_transfer_list_params"
 require_relative "increase/models/inbound_real_time_payments_transfer_retrieve_params"
+require_relative "increase/models/inbound_real_time_payments_transfer_return_params"
 require_relative "increase/models/inbound_wire_drawdown_request"
 require_relative "increase/models/inbound_wire_drawdown_request_list_params"
 require_relative "increase/models/inbound_wire_drawdown_request_retrieve_params"
@@ -257,14 +256,6 @@ require_relative "increase/models/lockbox_recipient_create_params"
 require_relative "increase/models/lockbox_recipient_list_params"
 require_relative "increase/models/lockbox_recipient_retrieve_params"
 require_relative "increase/models/lockbox_recipient_update_params"
-require_relative "increase/models/oauth_application"
-require_relative "increase/models/oauth_application_list_params"
-require_relative "increase/models/oauth_application_retrieve_params"
-require_relative "increase/models/oauth_connection"
-require_relative "increase/models/oauth_connection_list_params"
-require_relative "increase/models/oauth_connection_retrieve_params"
-require_relative "increase/models/oauth_token"
-require_relative "increase/models/oauth_token_create_params"
 require_relative "increase/models/pending_transaction"
 require_relative "increase/models/pending_transaction_create_params"
 require_relative "increase/models/pending_transaction_list_params"
@@ -408,7 +399,6 @@ require_relative "increase/resources/external_accounts"
 require_relative "increase/resources/fednow_transfers"
 require_relative "increase/resources/file_links"
 require_relative "increase/resources/files"
-require_relative "increase/resources/groups"
 require_relative "increase/resources/inbound_ach_transfers"
 require_relative "increase/resources/inbound_check_deposits"
 require_relative "increase/resources/inbound_fednow_transfers"
@@ -422,9 +412,6 @@ require_relative "increase/resources/intrafi_balances"
 require_relative "increase/resources/intrafi_exclusions"
 require_relative "increase/resources/lockbox_addresses"
 require_relative "increase/resources/lockbox_recipients"
-require_relative "increase/resources/oauth_applications"
-require_relative "increase/resources/oauth_connections"
-require_relative "increase/resources/oauth_tokens"
 require_relative "increase/resources/pending_transactions"
 require_relative "increase/resources/physical_card_profiles"
 require_relative "increase/resources/physical_cards"

data/rbi/increase/client.rbi

@@ -174,18 +174,6 @@ module Increase
     sig { returns(Increase::Resources::RealTimeDecisions) }
     attr_reader :real_time_decisions
 
-    sig { returns(Increase::Resources::Groups) }
-    attr_reader :groups
-
-    sig { returns(Increase::Resources::OAuthApplications) }
-    attr_reader :oauth_applications
-
-    sig { returns(Increase::Resources::OAuthConnections) }
-    attr_reader :oauth_connections
-
-    sig { returns(Increase::Resources::OAuthTokens) }
-    attr_reader :oauth_tokens
-
     sig { returns(Increase::Resources::IntrafiAccountEnrollments) }
     attr_reader :intrafi_account_enrollments
 

data/rbi/increase/internal/util.rbi

@@ -363,7 +363,9 @@ module Increase
         #
         # https://github.com/OAI/OpenAPI-Specification/blob/main/versions/3.1.1.md#special-considerations-for-multipart-content
         sig do
-          params(body: T.anything).returns([String, T::Enumerable[String]])
+          params(body: T.anything).returns(
+            [String, T.proc.returns(T::Enumerable[String])]
+          )
         end
         private def encode_multipart_streaming(body)
         end

data/rbi/increase/models/ach_transfer.rbi

@@ -73,19 +73,28 @@ module Increase
       end
       attr_writer :cancellation
 
-      # The description of the date of the transfer.
+      # A description of the transfer date (typically `YYMMDD`), sent in the company
+      # batch header. This value is informational and does not affect funds movement,
+      # settlement timing, or returns.
       sig { returns(T.nilable(String)) }
       attr_accessor :company_descriptive_date
 
-      # The data you chose to associate with the transfer.
+      # 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.
       sig { returns(T.nilable(String)) }
       attr_accessor :company_discretionary_data
 
-      # The description of the transfer you set to be shown to the recipient.
+      # 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.
       sig { returns(T.nilable(String)) }
       attr_accessor :company_entry_description
 
-      # The company ID associated with the transfer.
+      # The Company ID sent in the batch header, which identifies the originator to the
+      # receiving bank. Businesses use this value to allowlist the companies permitted
+      # to debit their accounts. This value is configured by Increase and will be the
+      # same for all your transfers.
       sig { returns(String) }
       attr_accessor :company_id
 
@@ -173,10 +182,8 @@ module Increase
       sig { returns(T.nilable(String)) }
       attr_accessor :pending_transaction_id
 
-      # 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
-      # `settlement_schedule` of `same_day`. If set, exactly one of the child attributes
-      # must be set.
+      # Configuration for how the effective date of the transfer was set. This
+      # determines same-day vs future-dated settlement timing.
       sig { returns(Increase::ACHTransfer::PreferredEffectiveDate) }
       attr_reader :preferred_effective_date
 
@@ -223,7 +230,7 @@ module Increase
       attr_accessor :standard_entry_class_code
 
       # The descriptor that will show on the recipient's bank statement.
-      sig { returns(String) }
+      sig { returns(T.nilable(String)) }
       attr_accessor :statement_descriptor
 
       # The lifecycle status of the transfer.
@@ -295,7 +302,7 @@ module Increase
           settlement: T.nilable(Increase::ACHTransfer::Settlement::OrHash),
           standard_entry_class_code:
             Increase::ACHTransfer::StandardEntryClassCode::OrSymbol,
-          statement_descriptor: String,
+          statement_descriptor: T.nilable(String),
           status: Increase::ACHTransfer::Status::OrSymbol,
           submission: T.nilable(Increase::ACHTransfer::Submission::OrHash),
           transaction_id: T.nilable(String),
@@ -325,13 +332,22 @@ module Increase
         # If your account requires approvals for transfers and the transfer was not
         # approved, this will contain details of the cancellation.
         cancellation:,
-        # The description of the date of the transfer.
+        # A description of the transfer date (typically `YYMMDD`), sent in the company
+        # batch header. This value is informational and does not affect funds movement,
+        # settlement timing, or returns.
         company_descriptive_date:,
-        # The data you chose to associate with the transfer.
+        # 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.
         company_discretionary_data:,
-        # The description of the transfer you set to be shown to the recipient.
+        # 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.
         company_entry_description:,
-        # The company ID associated with the transfer.
+        # The Company ID sent in the batch header, which identifies the originator to the
+        # receiving bank. Businesses use this value to allowlist the companies permitted
+        # to debit their accounts. This value is configured by Increase and will be the
+        # same for all your transfers.
         company_id:,
         # The name by which the recipient knows you.
         company_name:,
@@ -372,10 +388,8 @@ module Increase
         # [requires approval](https://increase.com/documentation/transfer-approvals#transfer-approvals)
         # by someone else in your organization.
         pending_transaction_id:,
-        # 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
-        # `settlement_schedule` of `same_day`. If set, exactly one of the child attributes
-        # must be set.
+        # Configuration for how the effective date of the transfer was set. This
+        # determines same-day vs future-dated settlement timing.
         preferred_effective_date:,
         # If your transfer is returned, this will contain details of the return.
         return_:,
@@ -446,7 +460,7 @@ module Increase
             settlement: T.nilable(Increase::ACHTransfer::Settlement),
             standard_entry_class_code:
               Increase::ACHTransfer::StandardEntryClassCode::TaggedSymbol,
-            statement_descriptor: String,
+            statement_descriptor: T.nilable(String),
             status: Increase::ACHTransfer::Status::TaggedSymbol,
             submission: T.nilable(Increase::ACHTransfer::Submission),
             transaction_id: T.nilable(String),
@@ -1730,10 +1744,8 @@ module Increase
         end
         attr_accessor :settlement_schedule
 
-        # 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
-        # `settlement_schedule` of `same_day`. If set, exactly one of the child attributes
-        # must be set.
+        # Configuration for how the effective date of the transfer was set. This
+        # determines same-day vs future-dated settlement timing.
         sig do
           params(
             date: T.nilable(Date),