increase 1.364.0 → 1.365.0

checksums.yaml

@@ -1,7 +1,7 @@
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-  data.tar.gz: 10425bbfc0580d4df9cacbe14d13fe6122cbca7f84786c4eaad54ece99260d5f
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+  data.tar.gz: 58ee46d1a2797d8baa5761e5ef95b5a08d57f3eff4fdcfe0e7878d73c6f38419
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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", "~> 1.364.0"
+gem "increase", "~> 1.365.0"
 ```
 
 <!-- x-release-please-end -->

data/lib/increase/models/ach_transfer.rb

@@ -223,7 +223,10 @@ module Increase
       required :standard_entry_class_code, enum: -> { Increase::ACHTransfer::StandardEntryClassCode }
 
       # @!attribute statement_descriptor
-      #   The descriptor that will show on the recipient's bank statement.
+      #   A description you chose to give the transfer. If `individual_name` and
+      #   `company_name` were not explicitly set, the `statement_descriptor` will be sent
+      #   in those fields to the receiving bank to help the customer recognize the
+      #   transfer.
       #
       #   @return [String, nil]
       required :statement_descriptor, String, nil?: true
@@ -379,7 +382,11 @@ module Increase
       #     [Standard Entry Class (SEC) code](/documentation/ach-standard-entry-class-codes)
       #     to use for the transfer.
       #
-      #   @param statement_descriptor [String, nil] The descriptor that will show on the recipient's bank statement.
+      #   @param statement_descriptor [String, nil]
+      #     A description you chose to give the transfer. If `individual_name` and
+      #     `company_name` were not explicitly set, the `statement_descriptor` will be sent
+      #     in those fields to the receiving bank to help the customer recognize the
+      #     transfer.
       #
       #   @param status [Symbol, Increase::Models::ACHTransfer::Status] The lifecycle status of the transfer.
       #

data/lib/increase/models/ach_transfer_create_params.rb

@@ -26,16 +26,25 @@ module Increase
       #   @return [Integer]
       required :amount, Integer
 
-      # @!attribute statement_descriptor
-      #   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
-      #   `individual_name` and `company_name` are not explicitly set by this API, the
-      #   `statement_descriptor` will be sent in those fields to the receiving bank to
-      #   help the customer recognize the transfer. You are highly encouraged to pass
-      #   `individual_name` and `company_name` instead of relying on this fallback.
+      # @!attribute company_name
+      #   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]
+      required :company_name, String
+
+      # @!attribute individual_name
+      #   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]
-      required :statement_descriptor, String
+      required :individual_name, String
 
       # @!attribute account_number
       #   The receiver's account number. For credit transfers (transfers with a positive
@@ -83,17 +92,6 @@ module Increase
       #   @return [String, nil]
       optional :company_entry_description, String
 
-      # @!attribute company_name
-      #   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
-
       # @!attribute destination_account_holder
       #   The type of entity that owns the receiver's account.
       #
@@ -125,15 +123,6 @@ module Increase
       #   @return [String, nil]
       optional :individual_id, String
 
-      # @!attribute individual_name
-      #   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
-
       # @!attribute preferred_effective_date
       #   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
@@ -166,7 +155,7 @@ module Increase
       optional :standard_entry_class_code,
                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: {})
+      # @!method initialize(account_id:, amount:, company_name:, individual_name:, account_number: nil, addenda: nil, company_descriptive_date: nil, company_discretionary_data: nil, company_entry_description: nil, destination_account_holder: nil, external_account_id: nil, funding: nil, individual_id: 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 originate the transfer. For
       #     credit transfers (transfers with a positive `amount`), this is the account that
@@ -180,13 +169,19 @@ module Increase
       #     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
-      #     transfer details, displayed in the dashboard, and returned by the API. If
-      #     `individual_name` and `company_name` are not explicitly set by this API, the
-      #     `statement_descriptor` will be sent in those fields to the receiving bank to
-      #     help the customer recognize the transfer. You are highly encouraged to pass
-      #     `individual_name` and `company_name` instead of relying on this fallback.
+      #   @param company_name [String]
+      #     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 individual_name [String]
+      #     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 account_number [String]
       #     The receiver's account number. For credit transfers (transfers with a positive
@@ -219,14 +214,6 @@ module Increase
       #     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 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.
       #
@@ -245,12 +232,6 @@ module Increase
       #     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 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
       #     determines same-day vs future-dated settlement timing. If not set, defaults to a

data/lib/increase/models/card_create_params.rb

@@ -20,7 +20,9 @@ module Increase
       optional :authorization_controls, -> { Increase::CardCreateParams::AuthorizationControls }
 
       # @!attribute billing_address
-      #   The card's billing address.
+      #   The card's billing address. This is used in card authorizations to
+      #   [validate the address provided by the acquirer](/documentation/address-verification-system-codes-and-overrides).
+      #   If not provided, the address associated with the account's entity will be used.
       #
       #   @return [Increase::Models::CardCreateParams::BillingAddress, nil]
       optional :billing_address, -> { Increase::CardCreateParams::BillingAddress }
@@ -68,7 +70,10 @@ module Increase
       #   @param authorization_controls [Increase::Models::CardCreateParams::AuthorizationControls]
       #     Controls that restrict how this card can be used.
       #
-      #   @param billing_address [Increase::Models::CardCreateParams::BillingAddress] The card's billing address.
+      #   @param billing_address [Increase::Models::CardCreateParams::BillingAddress]
+      #     The card's billing address. This is used in card authorizations to
+      #     [validate the address provided by the acquirer](/documentation/address-verification-system-codes-and-overrides).
+      #     If not provided, the address associated with the account's entity will be used.
       #
       #   @param cardholder_name [Increase::Models::CardCreateParams::CardholderName]
       #     The name of the cardholder. Used to respond to Account Name Inquiry requests
@@ -528,7 +533,9 @@ module Increase
         optional :line2, String
 
         # @!method initialize(city:, line1:, postal_code:, state:, line2: nil)
-        #   The card's billing address.
+        #   The card's billing address. This is used in card authorizations to
+        #   [validate the address provided by the acquirer](/documentation/address-verification-system-codes-and-overrides).
+        #   If not provided, the address associated with the account's entity will be used.
         #
         #   @param city [String] The city of the billing address.
         #

data/lib/increase/models/card_update_params.rb

@@ -20,7 +20,9 @@ module Increase
       optional :authorization_controls, -> { Increase::CardUpdateParams::AuthorizationControls }
 
       # @!attribute billing_address
-      #   The card's updated billing address.
+      #   The card's billing address. This is used in card authorizations to
+      #   [validate the address provided by the acquirer](/documentation/address-verification-system-codes-and-overrides).
+      #   If not provided, the address associated with the account's entity will be used.
       #
       #   @return [Increase::Models::CardUpdateParams::BillingAddress, nil]
       optional :billing_address, -> { Increase::CardUpdateParams::BillingAddress }
@@ -59,7 +61,9 @@ module Increase
       #     Controls that restrict how this card can be used.
       #
       #   @param billing_address [Increase::Models::CardUpdateParams::BillingAddress]
-      #     The card's updated billing address.
+      #     The card's billing address. This is used in card authorizations to
+      #     [validate the address provided by the acquirer](/documentation/address-verification-system-codes-and-overrides).
+      #     If not provided, the address associated with the account's entity will be used.
       #
       #   @param description [String] The description you choose to give the card.
       #
@@ -511,7 +515,9 @@ module Increase
         optional :line2, String
 
         # @!method initialize(city:, line1:, postal_code:, state:, line2: nil)
-        #   The card's updated billing address.
+        #   The card's billing address. This is used in card authorizations to
+        #   [validate the address provided by the acquirer](/documentation/address-verification-system-codes-and-overrides).
+        #   If not provided, the address associated with the account's entity will be used.
         #
         #   @param city [String] The city of the billing address.
         #

data/lib/increase/models/fednow_transfer.rb

@@ -81,6 +81,12 @@ module Increase
       #   @return [String]
       required :debtor_name, String
 
+      # @!attribute end_to_end_identification
+      #   A free-form reference string set by the sender, to help identify the transfer.
+      #
+      #   @return [String, nil]
+      required :end_to_end_identification, String, nil?: true
+
       # @!attribute external_account_id
       #   The identifier of the External Account the transfer was made to, if any.
       #
@@ -169,7 +175,7 @@ module Increase
       #   @return [String]
       required :unstructured_remittance_information, String
 
-      # @!method initialize(id:, account_id:, account_number:, acknowledgement:, amount:, created_at:, created_by:, creditor_address:, creditor_name:, currency:, debtor_address:, debtor_name:, external_account_id:, idempotency_key:, pending_transaction_id:, rejection:, returns:, routing_number:, source_account_number_id:, status:, submission:, transaction_id:, type:, unique_end_to_end_transaction_reference:, unstructured_remittance_information:)
+      # @!method initialize(id:, account_id:, account_number:, acknowledgement:, amount:, created_at:, created_by:, creditor_address:, creditor_name:, currency:, debtor_address:, debtor_name:, end_to_end_identification:, external_account_id:, idempotency_key:, pending_transaction_id:, rejection:, returns:, routing_number:, source_account_number_id:, status:, submission:, transaction_id:, type:, unique_end_to_end_transaction_reference:, unstructured_remittance_information:)
       #   FedNow transfers move funds, within seconds, between your Increase account and
       #   any other account supporting FedNow.
       #
@@ -208,6 +214,9 @@ module Increase
       #     The name of the transfer's sender. If not provided, defaults to the name of the
       #     account's entity.
       #
+      #   @param end_to_end_identification [String, nil]
+      #     A free-form reference string set by the sender, to help identify the transfer.
+      #
       #   @param external_account_id [String, nil]
       #     The identifier of the External Account the transfer was made to, if any.
       #

data/lib/increase/resources/ach_transfers.rb

@@ -10,7 +10,7 @@ module Increase
       # 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: {})
+      # @overload create(account_id:, amount:, company_name:, individual_name:, account_number: nil, addenda: nil, company_descriptive_date: nil, company_discretionary_data: nil, company_entry_description: nil, destination_account_holder: nil, external_account_id: nil, funding: nil, individual_id: 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 originate the transfer. For
@@ -25,13 +25,19 @@ module Increase
       #   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
-      #   transfer details, displayed in the dashboard, and returned by the API. If
-      #   `individual_name` and `company_name` are not explicitly set by this API, the
-      #   `statement_descriptor` will be sent in those fields to the receiving bank to
-      #   help the customer recognize the transfer. You are highly encouraged to pass
-      #   `individual_name` and `company_name` instead of relying on this fallback.
+      # @param company_name [String]
+      #   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 individual_name [String]
+      #   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 account_number [String]
       #   The receiver's account number. For credit transfers (transfers with a positive
@@ -64,14 +70,6 @@ module Increase
       #   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 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.
       #
@@ -90,12 +88,6 @@ module Increase
       #   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 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
       #   determines same-day vs future-dated settlement timing. If not set, defaults to a

data/lib/increase/resources/cards.rb

@@ -12,7 +12,10 @@ module Increase
       # @param authorization_controls [Increase::Models::CardCreateParams::AuthorizationControls]
       #   Controls that restrict how this card can be used.
       #
-      # @param billing_address [Increase::Models::CardCreateParams::BillingAddress] The card's billing address.
+      # @param billing_address [Increase::Models::CardCreateParams::BillingAddress]
+      #   The card's billing address. This is used in card authorizations to
+      #   [validate the address provided by the acquirer](/documentation/address-verification-system-codes-and-overrides).
+      #   If not provided, the address associated with the account's entity will be used.
       #
       # @param cardholder_name [Increase::Models::CardCreateParams::CardholderName]
       #   The name of the cardholder. Used to respond to Account Name Inquiry requests
@@ -75,7 +78,9 @@ module Increase
       #   Controls that restrict how this card can be used.
       #
       # @param billing_address [Increase::Models::CardUpdateParams::BillingAddress]
-      #   The card's updated billing address.
+      #   The card's billing address. This is used in card authorizations to
+      #   [validate the address provided by the acquirer](/documentation/address-verification-system-codes-and-overrides).
+      #   If not provided, the address associated with the account's entity will be used.
       #
       # @param description [String] The description you choose to give the card.
       #

data/lib/increase/version.rb

@@ -1,5 +1,5 @@
 # frozen_string_literal: true
 
 module Increase
-  VERSION = "1.364.0"
+  VERSION = "1.365.0"
 end

data/rbi/increase/models/ach_transfer.rbi

@@ -229,7 +229,10 @@ module Increase
       end
       attr_accessor :standard_entry_class_code
 
-      # The descriptor that will show on the recipient's bank statement.
+      # A description you chose to give the transfer. If `individual_name` and
+      # `company_name` were not explicitly set, the `statement_descriptor` will be sent
+      # in those fields to the receiving bank to help the customer recognize the
+      # transfer.
       sig { returns(T.nilable(String)) }
       attr_accessor :statement_descriptor
 
@@ -403,7 +406,10 @@ module Increase
         # [Standard Entry Class (SEC) code](/documentation/ach-standard-entry-class-codes)
         # to use for the transfer.
         standard_entry_class_code:,
-        # The descriptor that will show on the recipient's bank statement.
+        # A description you chose to give the transfer. If `individual_name` and
+        # `company_name` were not explicitly set, the `statement_descriptor` will be sent
+        # in those fields to the receiving bank to help the customer recognize the
+        # transfer.
         statement_descriptor:,
         # The lifecycle status of the transfer.
         status:,

data/rbi/increase/models/ach_transfer_create_params.rbi

@@ -26,14 +26,21 @@ module Increase
       sig { returns(Integer) }
       attr_accessor :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
-      # `individual_name` and `company_name` are not explicitly set by this API, the
-      # `statement_descriptor` will be sent in those fields to the receiving bank to
-      # help the customer recognize the transfer. You are highly encouraged to pass
-      # `individual_name` and `company_name` instead of relying on this fallback.
+      # 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`.
+      sig { returns(String) }
+      attr_accessor :company_name
+
+      # 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`.
       sig { returns(String) }
-      attr_accessor :statement_descriptor
+      attr_accessor :individual_name
 
       # 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
@@ -88,18 +95,6 @@ module Increase
       sig { params(company_entry_description: String).void }
       attr_writer :company_entry_description
 
-      # 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`.
-      sig { returns(T.nilable(String)) }
-      attr_reader :company_name
-
-      sig { params(company_name: String).void }
-      attr_writer :company_name
-
       # The type of entity that owns the receiver's account.
       sig do
         returns(
@@ -151,16 +146,6 @@ module Increase
       sig { params(individual_id: String).void }
       attr_writer :individual_id
 
-      # 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`.
-      sig { returns(T.nilable(String)) }
-      attr_reader :individual_name
-
-      sig { params(individual_name: String).void }
-      attr_writer :individual_name
-
       # 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
@@ -220,19 +205,18 @@ module Increase
         params(
           account_id: String,
           amount: Integer,
-          statement_descriptor: String,
+          company_name: String,
+          individual_name: String,
           account_number: String,
           addenda: Increase::ACHTransferCreateParams::Addenda::OrHash,
           company_descriptive_date: String,
           company_discretionary_data: String,
           company_entry_description: String,
-          company_name: String,
           destination_account_holder:
             Increase::ACHTransferCreateParams::DestinationAccountHolder::OrSymbol,
           external_account_id: String,
           funding: Increase::ACHTransferCreateParams::Funding::OrSymbol,
           individual_id: String,
-          individual_name: String,
           preferred_effective_date:
             Increase::ACHTransferCreateParams::PreferredEffectiveDate::OrHash,
           require_approval: T::Boolean,
@@ -254,13 +238,18 @@ module Increase
         # 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
-        # `individual_name` and `company_name` are not explicitly set by this API, the
-        # `statement_descriptor` will be sent in those fields to the receiving bank to
-        # 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 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:,
+        # 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:,
         # 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
@@ -287,13 +276,6 @@ module Increase
         # 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 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,
         # The ID of an External Account to initiate a transfer to. If this parameter is
@@ -308,11 +290,6 @@ module Increase
         # 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 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
         # `settlement_schedule` of `same_day`. If set, exactly one of the child attributes
@@ -337,19 +314,18 @@ module Increase
           {
             account_id: String,
             amount: Integer,
-            statement_descriptor: String,
+            company_name: String,
+            individual_name: String,
             account_number: String,
             addenda: Increase::ACHTransferCreateParams::Addenda,
             company_descriptive_date: String,
             company_discretionary_data: String,
             company_entry_description: String,
-            company_name: String,
             destination_account_holder:
               Increase::ACHTransferCreateParams::DestinationAccountHolder::OrSymbol,
             external_account_id: String,
             funding: Increase::ACHTransferCreateParams::Funding::OrSymbol,
             individual_id: String,
-            individual_name: String,
             preferred_effective_date:
               Increase::ACHTransferCreateParams::PreferredEffectiveDate,
             require_approval: T::Boolean,

data/rbi/increase/models/card_create_params.rbi

@@ -29,7 +29,9 @@ module Increase
       end
       attr_writer :authorization_controls
 
-      # The card's billing address.
+      # The card's billing address. This is used in card authorizations to
+      # [validate the address provided by the acquirer](/documentation/address-verification-system-codes-and-overrides).
+      # If not provided, the address associated with the account's entity will be used.
       sig { returns(T.nilable(Increase::CardCreateParams::BillingAddress)) }
       attr_reader :billing_address
 
@@ -113,7 +115,9 @@ module Increase
         account_id:,
         # Controls that restrict how this card can be used.
         authorization_controls: nil,
-        # The card's billing address.
+        # The card's billing address. This is used in card authorizations to
+        # [validate the address provided by the acquirer](/documentation/address-verification-system-codes-and-overrides).
+        # If not provided, the address associated with the account's entity will be used.
         billing_address: nil,
         # The name of the cardholder. Used to respond to Account Name Inquiry requests
         # from acquirers in Card Validations.
@@ -1253,7 +1257,9 @@ module Increase
         sig { params(line2: String).void }
         attr_writer :line2
 
-        # The card's billing address.
+        # The card's billing address. This is used in card authorizations to
+        # [validate the address provided by the acquirer](/documentation/address-verification-system-codes-and-overrides).
+        # If not provided, the address associated with the account's entity will be used.
         sig do
           params(
             city: String,

data/rbi/increase/models/card_update_params.rbi

@@ -29,7 +29,9 @@ module Increase
       end
       attr_writer :authorization_controls
 
-      # The card's updated billing address.
+      # The card's billing address. This is used in card authorizations to
+      # [validate the address provided by the acquirer](/documentation/address-verification-system-codes-and-overrides).
+      # If not provided, the address associated with the account's entity will be used.
       sig { returns(T.nilable(Increase::CardUpdateParams::BillingAddress)) }
       attr_reader :billing_address
 
@@ -93,7 +95,9 @@ module Increase
         card_id:,
         # Controls that restrict how this card can be used.
         authorization_controls: nil,
-        # The card's updated billing address.
+        # The card's billing address. This is used in card authorizations to
+        # [validate the address provided by the acquirer](/documentation/address-verification-system-codes-and-overrides).
+        # If not provided, the address associated with the account's entity will be used.
         billing_address: nil,
         # The description you choose to give the card.
         description: nil,
@@ -1226,7 +1230,9 @@ module Increase
         sig { params(line2: String).void }
         attr_writer :line2
 
-        # The card's updated billing address.
+        # The card's billing address. This is used in card authorizations to
+        # [validate the address provided by the acquirer](/documentation/address-verification-system-codes-and-overrides).
+        # If not provided, the address associated with the account's entity will be used.
         sig do
           params(
             city: String,

data/rbi/increase/models/fednow_transfer.rbi

@@ -92,6 +92,10 @@ module Increase
       sig { returns(String) }
       attr_accessor :debtor_name
 
+      # A free-form reference string set by the sender, to help identify the transfer.
+      sig { returns(T.nilable(String)) }
+      attr_accessor :end_to_end_identification
+
       # The identifier of the External Account the transfer was made to, if any.
       sig { returns(T.nilable(String)) }
       attr_accessor :external_account_id
@@ -187,6 +191,7 @@ module Increase
           debtor_address:
             T.nilable(Increase::FednowTransfer::DebtorAddress::OrHash),
           debtor_name: String,
+          end_to_end_identification: T.nilable(String),
           external_account_id: T.nilable(String),
           idempotency_key: T.nilable(String),
           pending_transaction_id: T.nilable(String),
@@ -232,6 +237,8 @@ module Increase
         # The name of the transfer's sender. If not provided, defaults to the name of the
         # account's entity.
         debtor_name:,
+        # A free-form reference string set by the sender, to help identify the transfer.
+        end_to_end_identification:,
         # The identifier of the External Account the transfer was made to, if any.
         external_account_id:,
         # The idempotency key you chose for this object. This value is unique across
@@ -288,6 +295,7 @@ module Increase
             currency: Increase::FednowTransfer::Currency::TaggedSymbol,
             debtor_address: T.nilable(Increase::FednowTransfer::DebtorAddress),
             debtor_name: String,
+            end_to_end_identification: T.nilable(String),
             external_account_id: T.nilable(String),
             idempotency_key: T.nilable(String),
             pending_transaction_id: T.nilable(String),

data/rbi/increase/resources/ach_transfers.rbi

@@ -13,19 +13,18 @@ module Increase
         params(
           account_id: String,
           amount: Integer,
-          statement_descriptor: String,
+          company_name: String,
+          individual_name: String,
           account_number: String,
           addenda: Increase::ACHTransferCreateParams::Addenda::OrHash,
           company_descriptive_date: String,
           company_discretionary_data: String,
           company_entry_description: String,
-          company_name: String,
           destination_account_holder:
             Increase::ACHTransferCreateParams::DestinationAccountHolder::OrSymbol,
           external_account_id: String,
           funding: Increase::ACHTransferCreateParams::Funding::OrSymbol,
           individual_id: String,
-          individual_name: String,
           preferred_effective_date:
             Increase::ACHTransferCreateParams::PreferredEffectiveDate::OrHash,
           require_approval: T::Boolean,
@@ -47,13 +46,18 @@ module Increase
         # 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
-        # `individual_name` and `company_name` are not explicitly set by this API, the
-        # `statement_descriptor` will be sent in those fields to the receiving bank to
-        # 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 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:,
+        # 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:,
         # 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
@@ -80,13 +84,6 @@ module Increase
         # 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 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,
         # The ID of an External Account to initiate a transfer to. If this parameter is
@@ -101,11 +98,6 @@ module Increase
         # 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 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
         # `settlement_schedule` of `same_day`. If set, exactly one of the child attributes

data/rbi/increase/resources/cards.rbi

@@ -23,7 +23,9 @@ module Increase
         account_id:,
         # Controls that restrict how this card can be used.
         authorization_controls: nil,
-        # The card's billing address.
+        # The card's billing address. This is used in card authorizations to
+        # [validate the address provided by the acquirer](/documentation/address-verification-system-codes-and-overrides).
+        # If not provided, the address associated with the account's entity will be used.
         billing_address: nil,
         # The name of the cardholder. Used to respond to Account Name Inquiry requests
         # from acquirers in Card Validations.
@@ -79,7 +81,9 @@ module Increase
         card_id,
         # Controls that restrict how this card can be used.
         authorization_controls: nil,
-        # The card's updated billing address.
+        # The card's billing address. This is used in card authorizations to
+        # [validate the address provided by the acquirer](/documentation/address-verification-system-codes-and-overrides).
+        # If not provided, the address associated with the account's entity will be used.
         billing_address: nil,
         # The description you choose to give the card.
         description: nil,

data/sig/increase/models/ach_transfer_create_params.rbs

@@ -4,18 +4,17 @@ module Increase
       {
         account_id: String,
         amount: Integer,
-        statement_descriptor: String,
+        company_name: String,
+        individual_name: String,
         account_number: String,
         addenda: Increase::ACHTransferCreateParams::Addenda,
         company_descriptive_date: String,
         company_discretionary_data: String,
         company_entry_description: String,
-        company_name: String,
         destination_account_holder: Increase::Models::ACHTransferCreateParams::destination_account_holder,
         external_account_id: String,
         funding: Increase::Models::ACHTransferCreateParams::funding,
         individual_id: String,
-        individual_name: String,
         preferred_effective_date: Increase::ACHTransferCreateParams::PreferredEffectiveDate,
         require_approval: bool,
         routing_number: String,
@@ -31,7 +30,9 @@ module Increase
 
       attr_accessor amount: Integer
 
-      attr_accessor statement_descriptor: String
+      attr_accessor company_name: String
+
+      attr_accessor individual_name: String
 
       attr_reader account_number: String?
 
@@ -55,10 +56,6 @@ module Increase
 
       def company_entry_description=: (String) -> String
 
-      attr_reader company_name: String?
-
-      def company_name=: (String) -> String
-
       attr_reader destination_account_holder: Increase::Models::ACHTransferCreateParams::destination_account_holder?
 
       def destination_account_holder=: (
@@ -79,10 +76,6 @@ module Increase
 
       def individual_id=: (String) -> String
 
-      attr_reader individual_name: String?
-
-      def individual_name=: (String) -> String
-
       attr_reader preferred_effective_date: Increase::ACHTransferCreateParams::PreferredEffectiveDate?
 
       def preferred_effective_date=: (
@@ -106,18 +99,17 @@ module Increase
       def initialize: (
         account_id: String,
         amount: Integer,
-        statement_descriptor: String,
+        company_name: String,
+        individual_name: String,
         ?account_number: String,
         ?addenda: Increase::ACHTransferCreateParams::Addenda,
         ?company_descriptive_date: String,
         ?company_discretionary_data: String,
         ?company_entry_description: String,
-        ?company_name: String,
         ?destination_account_holder: Increase::Models::ACHTransferCreateParams::destination_account_holder,
         ?external_account_id: String,
         ?funding: Increase::Models::ACHTransferCreateParams::funding,
         ?individual_id: String,
-        ?individual_name: String,
         ?preferred_effective_date: Increase::ACHTransferCreateParams::PreferredEffectiveDate,
         ?require_approval: bool,
         ?routing_number: String,
@@ -128,18 +120,17 @@ module Increase
       def to_hash: -> {
         account_id: String,
         amount: Integer,
-        statement_descriptor: String,
+        company_name: String,
+        individual_name: String,
         account_number: String,
         addenda: Increase::ACHTransferCreateParams::Addenda,
         company_descriptive_date: String,
         company_discretionary_data: String,
         company_entry_description: String,
-        company_name: String,
         destination_account_holder: Increase::Models::ACHTransferCreateParams::destination_account_holder,
         external_account_id: String,
         funding: Increase::Models::ACHTransferCreateParams::funding,
         individual_id: String,
-        individual_name: String,
         preferred_effective_date: Increase::ACHTransferCreateParams::PreferredEffectiveDate,
         require_approval: bool,
         routing_number: String,

data/sig/increase/models/fednow_transfer.rbs

@@ -14,6 +14,7 @@ module Increase
         currency: Increase::Models::FednowTransfer::currency,
         debtor_address: Increase::FednowTransfer::DebtorAddress?,
         debtor_name: String,
+        end_to_end_identification: String?,
         external_account_id: String?,
         idempotency_key: String?,
         pending_transaction_id: String?,
@@ -54,6 +55,8 @@ module Increase
 
       attr_accessor debtor_name: String
 
+      attr_accessor end_to_end_identification: String?
+
       attr_accessor external_account_id: String?
 
       attr_accessor idempotency_key: String?
@@ -93,6 +96,7 @@ module Increase
         currency: Increase::Models::FednowTransfer::currency,
         debtor_address: Increase::FednowTransfer::DebtorAddress?,
         debtor_name: String,
+        end_to_end_identification: String?,
         external_account_id: String?,
         idempotency_key: String?,
         pending_transaction_id: String?,
@@ -121,6 +125,7 @@ module Increase
         currency: Increase::Models::FednowTransfer::currency,
         debtor_address: Increase::FednowTransfer::DebtorAddress?,
         debtor_name: String,
+        end_to_end_identification: String?,
         external_account_id: String?,
         idempotency_key: String?,
         pending_transaction_id: String?,

data/sig/increase/resources/ach_transfers.rbs

@@ -4,18 +4,17 @@ module Increase
       def create: (
         account_id: String,
         amount: Integer,
-        statement_descriptor: String,
+        company_name: String,
+        individual_name: String,
         ?account_number: String,
         ?addenda: Increase::ACHTransferCreateParams::Addenda,
         ?company_descriptive_date: String,
         ?company_discretionary_data: String,
         ?company_entry_description: String,
-        ?company_name: String,
         ?destination_account_holder: Increase::Models::ACHTransferCreateParams::destination_account_holder,
         ?external_account_id: String,
         ?funding: Increase::Models::ACHTransferCreateParams::funding,
         ?individual_id: String,
-        ?individual_name: String,
         ?preferred_effective_date: Increase::ACHTransferCreateParams::PreferredEffectiveDate,
         ?require_approval: bool,
         ?routing_number: String,

metadata

@@ -1,14 +1,14 @@
 --- !ruby/object:Gem::Specification
 name: increase
 version: !ruby/object:Gem::Version
-  version: 1.364.0
+  version: 1.365.0
 platform: ruby
 authors:
 - Increase
 autorequire:
 bindir: bin
 cert_chain: []
-date: 2026-11-09 00:00:00.000000000 Z
+date: 2026-11-10 00:00:00.000000000 Z
 dependencies:
 - !ruby/object:Gem::Dependency
   name: base64