increase 1.73.0 → 1.75.0

checksums.yaml

@@ -1,7 +1,7 @@
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data/CHANGELOG.md

@@ -1,5 +1,21 @@
 # Changelog
 
+## 1.75.0 (2025-09-12)
+
+Full Changelog: [v1.74.0...v1.75.0](https://github.com/Increase/increase-ruby/compare/v1.74.0...v1.75.0)
+
+### Features
+
+* **api:** api update ([21b0ffb](https://github.com/Increase/increase-ruby/commit/21b0ffbca60d9fabfde03cec0620a98e39bffe19))
+
+## 1.74.0 (2025-09-12)
+
+Full Changelog: [v1.73.0...v1.74.0](https://github.com/Increase/increase-ruby/compare/v1.73.0...v1.74.0)
+
+### Features
+
+* **api:** api update ([a039096](https://github.com/Increase/increase-ruby/commit/a039096e79751ab557fae350119599801bcebb1c))
+
 ## 1.73.0 (2025-09-09)
 
 Full Changelog: [v1.72.0...v1.73.0](https://github.com/Increase/increase-ruby/compare/v1.72.0...v1.73.0)

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", "~> 1.73.0"
+gem "increase", "~> 1.75.0"
 ```
 
 <!-- x-release-please-end -->

data/lib/increase/models/pending_transaction.rb

@@ -263,6 +263,15 @@ module Increase
                  -> { Increase::PendingTransaction::Source::CheckTransferInstruction },
                  nil?: true
 
+        # @!attribute fed_now_transfer_instruction
+        #   A FedNow Transfer Instruction object. This field will be present in the JSON
+        #   response if and only if `category` is equal to `fed_now_transfer_instruction`.
+        #
+        #   @return [Increase::Models::PendingTransaction::Source::FedNowTransferInstruction, nil]
+        required :fed_now_transfer_instruction,
+                 -> { Increase::PendingTransaction::Source::FedNowTransferInstruction },
+                 nil?: true
+
         # @!attribute inbound_funds_hold
         #   An Inbound Funds Hold object. This field will be present in the JSON response if
         #   and only if `category` is equal to `inbound_funds_hold`. We hold funds for
@@ -330,7 +339,7 @@ module Increase
                  -> { Increase::PendingTransaction::Source::WireTransferInstruction },
                  nil?: true
 
-        # @!method initialize(account_transfer_instruction:, ach_transfer_instruction:, card_authorization:, card_push_transfer_instruction:, category:, check_deposit_instruction:, check_transfer_instruction:, inbound_funds_hold:, inbound_wire_transfer_reversal:, other:, real_time_payments_transfer_instruction:, swift_transfer_instruction:, user_initiated_hold:, wire_transfer_instruction:)
+        # @!method initialize(account_transfer_instruction:, ach_transfer_instruction:, card_authorization:, card_push_transfer_instruction:, category:, check_deposit_instruction:, check_transfer_instruction:, fed_now_transfer_instruction:, inbound_funds_hold:, inbound_wire_transfer_reversal:, other:, real_time_payments_transfer_instruction:, swift_transfer_instruction:, user_initiated_hold:, wire_transfer_instruction:)
         #   Some parameter documentations has been truncated, see
         #   {Increase::Models::PendingTransaction::Source} for more details.
         #
@@ -352,6 +361,8 @@ module Increase
         #
         #   @param check_transfer_instruction [Increase::Models::PendingTransaction::Source::CheckTransferInstruction, nil] A Check Transfer Instruction object. This field will be present in the JSON resp
         #
+        #   @param fed_now_transfer_instruction [Increase::Models::PendingTransaction::Source::FedNowTransferInstruction, nil] A FedNow Transfer Instruction object. This field will be present in the JSON res
+        #
         #   @param inbound_funds_hold [Increase::Models::PendingTransaction::Source::InboundFundsHold, nil] An Inbound Funds Hold object. This field will be present in the JSON response if
         #
         #   @param inbound_wire_transfer_reversal [Increase::Models::PendingTransaction::Source::InboundWireTransferReversal, nil] An Inbound Wire Transfer Reversal object. This field will be present in the JSON
@@ -1623,6 +1634,9 @@ module Increase
           # Check Transfer Instruction: details will be under the `check_transfer_instruction` object.
           CHECK_TRANSFER_INSTRUCTION = :check_transfer_instruction
 
+          # FedNow Transfer Instruction: details will be under the `fed_now_transfer_instruction` object.
+          FED_NOW_TRANSFER_INSTRUCTION = :fed_now_transfer_instruction
+
           # Inbound Funds Hold: details will be under the `inbound_funds_hold` object.
           INBOUND_FUNDS_HOLD = :inbound_funds_hold
 
@@ -1799,6 +1813,21 @@ module Increase
           end
         end
 
+        # @see Increase::Models::PendingTransaction::Source#fed_now_transfer_instruction
+        class FedNowTransferInstruction < Increase::Internal::Type::BaseModel
+          # @!attribute transfer_id
+          #   The identifier of the FedNow Transfer that led to this Pending Transaction.
+          #
+          #   @return [String]
+          required :transfer_id, String
+
+          # @!method initialize(transfer_id:)
+          #   A FedNow Transfer Instruction object. This field will be present in the JSON
+          #   response if and only if `category` is equal to `fed_now_transfer_instruction`.
+          #
+          #   @param transfer_id [String] The identifier of the FedNow Transfer that led to this Pending Transaction.
+        end
+
         # @see Increase::Models::PendingTransaction::Source#inbound_funds_hold
         class InboundFundsHold < Increase::Internal::Type::BaseModel
           # @!attribute amount

data/lib/increase/models/pending_transaction_list_params.rb

@@ -103,6 +103,9 @@ module Increase
           # Check Transfer Instruction: details will be under the `check_transfer_instruction` object.
           CHECK_TRANSFER_INSTRUCTION = :check_transfer_instruction
 
+          # FedNow Transfer Instruction: details will be under the `fed_now_transfer_instruction` object.
+          FED_NOW_TRANSFER_INSTRUCTION = :fed_now_transfer_instruction
+
           # Inbound Funds Hold: details will be under the `inbound_funds_hold` object.
           INBOUND_FUNDS_HOLD = :inbound_funds_hold
 

data/lib/increase/models/real_time_decision_action_params.rb

@@ -152,17 +152,7 @@ module Increase
         #   @return [Increase::Models::RealTimeDecisionActionParams::CardAuthorization::Decline, nil]
         optional :decline, -> { Increase::RealTimeDecisionActionParams::CardAuthorization::Decline }
 
-        # @!attribute decline_reason
-        #   The reason the card authorization was declined. This translates to a specific
-        #   decline code that is sent to the card network. This field is deprecated, please
-        #   transition to using the `decline` object as this field will be removed in a
-        #   future release.
-        #
-        #   @return [Symbol, Increase::Models::RealTimeDecisionActionParams::CardAuthorization::DeclineReason, nil]
-        optional :decline_reason,
-                 enum: -> { Increase::RealTimeDecisionActionParams::CardAuthorization::DeclineReason }
-
-        # @!method initialize(decision:, approval: nil, decline: nil, decline_reason: nil)
+        # @!method initialize(decision:, approval: nil, decline: nil)
         #   Some parameter documentations has been truncated, see
         #   {Increase::Models::RealTimeDecisionActionParams::CardAuthorization} for more
         #   details.
@@ -175,8 +165,6 @@ module Increase
         #   @param approval [Increase::Models::RealTimeDecisionActionParams::CardAuthorization::Approval] If your application approves the authorization, this contains metadata about you
         #
         #   @param decline [Increase::Models::RealTimeDecisionActionParams::CardAuthorization::Decline] If your application declines the authorization, this contains details about the
-        #
-        #   @param decline_reason [Symbol, Increase::Models::RealTimeDecisionActionParams::CardAuthorization::DeclineReason] The reason the card authorization was declined. This translates to a specific de
 
         # Whether the card authorization should be approved or declined.
         #
@@ -340,37 +328,6 @@ module Increase
             #   @return [Array<Symbol>]
           end
         end
-
-        # The reason the card authorization was declined. This translates to a specific
-        # decline code that is sent to the card network. This field is deprecated, please
-        # transition to using the `decline` object as this field will be removed in a
-        # future release.
-        #
-        # @see Increase::Models::RealTimeDecisionActionParams::CardAuthorization#decline_reason
-        module DeclineReason
-          extend Increase::Internal::Type::Enum
-
-          # The cardholder does not have sufficient funds to cover the transaction. The merchant may attempt to process the transaction again.
-          INSUFFICIENT_FUNDS = :insufficient_funds
-
-          # This type of transaction is not allowed for this card. This transaction should not be retried.
-          TRANSACTION_NEVER_ALLOWED = :transaction_never_allowed
-
-          # The transaction amount exceeds the cardholder's approval limit. The merchant may attempt to process the transaction again.
-          EXCEEDS_APPROVAL_LIMIT = :exceeds_approval_limit
-
-          # The card has been temporarily disabled or not yet activated. The merchant may attempt to process the transaction again.
-          CARD_TEMPORARILY_DISABLED = :card_temporarily_disabled
-
-          # The transaction is suspected to be fraudulent. The merchant may attempt to process the transaction again.
-          SUSPECTED_FRAUD = :suspected_fraud
-
-          # The transaction was declined for another reason. The merchant may attempt to process the transaction again. This should be used sparingly.
-          OTHER = :other
-
-          # @!method self.values
-          #   @return [Array<Symbol>]
-        end
       end
 
       class DigitalWalletAuthentication < Increase::Internal::Type::BaseModel

data/lib/increase/models/transaction.rb

@@ -338,6 +338,17 @@ module Increase
                  },
                  nil?: true
 
+        # @!attribute fed_now_transfer_acknowledgement
+        #   A FedNow Transfer Acknowledgement object. This field will be present in the JSON
+        #   response if and only if `category` is equal to
+        #   `fed_now_transfer_acknowledgement`. A FedNow Transfer Acknowledgement is created
+        #   when a FedNow Transfer sent from Increase is acknowledged by the receiving bank.
+        #
+        #   @return [Increase::Models::Transaction::Source::FedNowTransferAcknowledgement, nil]
+        required :fed_now_transfer_acknowledgement,
+                 -> { Increase::Transaction::Source::FedNowTransferAcknowledgement },
+                 nil?: true
+
         # @!attribute fee_payment
         #   A Fee Payment object. This field will be present in the JSON response if and
         #   only if `category` is equal to `fee_payment`. A Fee Payment represents a payment
@@ -507,7 +518,7 @@ module Increase
                  },
                  nil?: true
 
-        # @!method initialize(account_revenue_payment:, account_transfer_intention:, ach_transfer_intention:, ach_transfer_rejection:, ach_transfer_return:, card_dispute_acceptance:, card_dispute_financial:, card_dispute_loss:, card_push_transfer_acceptance:, card_refund:, card_revenue_payment:, card_settlement:, cashback_payment:, category:, check_deposit_acceptance:, check_deposit_return:, check_transfer_deposit:, fee_payment:, inbound_ach_transfer:, inbound_ach_transfer_return_intention:, inbound_check_adjustment:, inbound_check_deposit_return_intention:, inbound_real_time_payments_transfer_confirmation:, inbound_wire_reversal:, inbound_wire_transfer:, inbound_wire_transfer_reversal:, interest_payment:, internal_source:, other:, real_time_payments_transfer_acknowledgement:, sample_funds:, swift_transfer_intention:, swift_transfer_return:, wire_transfer_intention:)
+        # @!method initialize(account_revenue_payment:, account_transfer_intention:, ach_transfer_intention:, ach_transfer_rejection:, ach_transfer_return:, card_dispute_acceptance:, card_dispute_financial:, card_dispute_loss:, card_push_transfer_acceptance:, card_refund:, card_revenue_payment:, card_settlement:, cashback_payment:, category:, check_deposit_acceptance:, check_deposit_return:, check_transfer_deposit:, fed_now_transfer_acknowledgement:, fee_payment:, inbound_ach_transfer:, inbound_ach_transfer_return_intention:, inbound_check_adjustment:, inbound_check_deposit_return_intention:, inbound_real_time_payments_transfer_confirmation:, inbound_wire_reversal:, inbound_wire_transfer:, inbound_wire_transfer_reversal:, interest_payment:, internal_source:, other:, real_time_payments_transfer_acknowledgement:, sample_funds:, swift_transfer_intention:, swift_transfer_return:, wire_transfer_intention:)
         #   Some parameter documentations has been truncated, see
         #   {Increase::Models::Transaction::Source} for more details.
         #
@@ -550,6 +561,8 @@ module Increase
         #
         #   @param check_transfer_deposit [Increase::Models::Transaction::Source::CheckTransferDeposit, nil] A Check Transfer Deposit object. This field will be present in the JSON response
         #
+        #   @param fed_now_transfer_acknowledgement [Increase::Models::Transaction::Source::FedNowTransferAcknowledgement, nil] A FedNow Transfer Acknowledgement object. This field will be present in the JSON
+        #
         #   @param fee_payment [Increase::Models::Transaction::Source::FeePayment, nil] A Fee Payment object. This field will be present in the JSON response if and onl
         #
         #   @param inbound_ach_transfer [Increase::Models::Transaction::Source::InboundACHTransfer, nil] An Inbound ACH Transfer Intention object. This field will be present in the JSON
@@ -4247,6 +4260,9 @@ module Increase
           # Check Deposit Return: details will be under the `check_deposit_return` object.
           CHECK_DEPOSIT_RETURN = :check_deposit_return
 
+          # FedNow Transfer Acknowledgement: details will be under the `fed_now_transfer_acknowledgement` object.
+          FED_NOW_TRANSFER_ACKNOWLEDGEMENT = :fed_now_transfer_acknowledgement
+
           # Check Transfer Deposit: details will be under the `check_transfer_deposit` object.
           CHECK_TRANSFER_DEPOSIT = :check_transfer_deposit
 
@@ -4693,6 +4709,23 @@ module Increase
           end
         end
 
+        # @see Increase::Models::Transaction::Source#fed_now_transfer_acknowledgement
+        class FedNowTransferAcknowledgement < Increase::Internal::Type::BaseModel
+          # @!attribute transfer_id
+          #   The identifier of the FedNow Transfer that led to this Transaction.
+          #
+          #   @return [String]
+          required :transfer_id, String
+
+          # @!method initialize(transfer_id:)
+          #   A FedNow Transfer Acknowledgement object. This field will be present in the JSON
+          #   response if and only if `category` is equal to
+          #   `fed_now_transfer_acknowledgement`. A FedNow Transfer Acknowledgement is created
+          #   when a FedNow Transfer sent from Increase is acknowledged by the receiving bank.
+          #
+          #   @param transfer_id [String] The identifier of the FedNow Transfer that led to this Transaction.
+        end
+
         # @see Increase::Models::Transaction::Source#fee_payment
         class FeePayment < Increase::Internal::Type::BaseModel
           # @!attribute amount

data/lib/increase/models/transaction_list_params.rb

@@ -121,6 +121,9 @@ module Increase
           # Check Deposit Return: details will be under the `check_deposit_return` object.
           CHECK_DEPOSIT_RETURN = :check_deposit_return
 
+          # FedNow Transfer Acknowledgement: details will be under the `fed_now_transfer_acknowledgement` object.
+          FED_NOW_TRANSFER_ACKNOWLEDGEMENT = :fed_now_transfer_acknowledgement
+
           # Check Transfer Deposit: details will be under the `check_transfer_deposit` object.
           CHECK_TRANSFER_DEPOSIT = :check_transfer_deposit
 

data/lib/increase/version.rb

@@ -1,5 +1,5 @@
 # frozen_string_literal: true
 
 module Increase
-  VERSION = "1.73.0"
+  VERSION = "1.75.0"
 end

data/rbi/increase/models/pending_transaction.rbi

@@ -416,6 +416,27 @@ module Increase
         end
         attr_writer :check_transfer_instruction
 
+        # A FedNow Transfer Instruction object. This field will be present in the JSON
+        # response if and only if `category` is equal to `fed_now_transfer_instruction`.
+        sig do
+          returns(
+            T.nilable(
+              Increase::PendingTransaction::Source::FedNowTransferInstruction
+            )
+          )
+        end
+        attr_reader :fed_now_transfer_instruction
+
+        sig do
+          params(
+            fed_now_transfer_instruction:
+              T.nilable(
+                Increase::PendingTransaction::Source::FedNowTransferInstruction::OrHash
+              )
+          ).void
+        end
+        attr_writer :fed_now_transfer_instruction
+
         # An Inbound Funds Hold object. This field will be present in the JSON response if
         # and only if `category` is equal to `inbound_funds_hold`. We hold funds for
         # certain transaction types to account for return windows where funds might still
@@ -565,6 +586,10 @@ module Increase
               T.nilable(
                 Increase::PendingTransaction::Source::CheckTransferInstruction::OrHash
               ),
+            fed_now_transfer_instruction:
+              T.nilable(
+                Increase::PendingTransaction::Source::FedNowTransferInstruction::OrHash
+              ),
             inbound_funds_hold:
               T.nilable(
                 Increase::PendingTransaction::Source::InboundFundsHold::OrHash
@@ -613,6 +638,9 @@ module Increase
           # A Check Transfer Instruction object. This field will be present in the JSON
           # response if and only if `category` is equal to `check_transfer_instruction`.
           check_transfer_instruction:,
+          # A FedNow Transfer Instruction object. This field will be present in the JSON
+          # response if and only if `category` is equal to `fed_now_transfer_instruction`.
+          fed_now_transfer_instruction:,
           # An Inbound Funds Hold object. This field will be present in the JSON response if
           # and only if `category` is equal to `inbound_funds_hold`. We hold funds for
           # certain transaction types to account for return windows where funds might still
@@ -672,6 +700,10 @@ module Increase
                 T.nilable(
                   Increase::PendingTransaction::Source::CheckTransferInstruction
                 ),
+              fed_now_transfer_instruction:
+                T.nilable(
+                  Increase::PendingTransaction::Source::FedNowTransferInstruction
+                ),
               inbound_funds_hold:
                 T.nilable(
                   Increase::PendingTransaction::Source::InboundFundsHold
@@ -3057,6 +3089,13 @@ module Increase
               Increase::PendingTransaction::Source::Category::TaggedSymbol
             )
 
+          # FedNow Transfer Instruction: details will be under the `fed_now_transfer_instruction` object.
+          FED_NOW_TRANSFER_INSTRUCTION =
+            T.let(
+              :fed_now_transfer_instruction,
+              Increase::PendingTransaction::Source::Category::TaggedSymbol
+            )
+
           # Inbound Funds Hold: details will be under the `inbound_funds_hold` object.
           INBOUND_FUNDS_HOLD =
             T.let(
@@ -3400,6 +3439,33 @@ module Increase
           end
         end
 
+        class FedNowTransferInstruction < Increase::Internal::Type::BaseModel
+          OrHash =
+            T.type_alias do
+              T.any(
+                Increase::PendingTransaction::Source::FedNowTransferInstruction,
+                Increase::Internal::AnyHash
+              )
+            end
+
+          # The identifier of the FedNow Transfer that led to this Pending Transaction.
+          sig { returns(String) }
+          attr_accessor :transfer_id
+
+          # A FedNow Transfer Instruction object. This field will be present in the JSON
+          # response if and only if `category` is equal to `fed_now_transfer_instruction`.
+          sig { params(transfer_id: String).returns(T.attached_class) }
+          def self.new(
+            # The identifier of the FedNow Transfer that led to this Pending Transaction.
+            transfer_id:
+          )
+          end
+
+          sig { override.returns({ transfer_id: String }) }
+          def to_hash
+          end
+        end
+
         class InboundFundsHold < Increase::Internal::Type::BaseModel
           OrHash =
             T.type_alias do

data/rbi/increase/models/pending_transaction_list_params.rbi

@@ -230,6 +230,13 @@ module Increase
               Increase::PendingTransactionListParams::Category::In::TaggedSymbol
             )
 
+          # FedNow Transfer Instruction: details will be under the `fed_now_transfer_instruction` object.
+          FED_NOW_TRANSFER_INSTRUCTION =
+            T.let(
+              :fed_now_transfer_instruction,
+              Increase::PendingTransactionListParams::Category::In::TaggedSymbol
+            )
+
           # Inbound Funds Hold: details will be under the `inbound_funds_hold` object.
           INBOUND_FUNDS_HOLD =
             T.let(

data/rbi/increase/models/real_time_decision_action_params.rbi

@@ -387,27 +387,6 @@ module Increase
         end
         attr_writer :decline
 
-        # The reason the card authorization was declined. This translates to a specific
-        # decline code that is sent to the card network. This field is deprecated, please
-        # transition to using the `decline` object as this field will be removed in a
-        # future release.
-        sig do
-          returns(
-            T.nilable(
-              Increase::RealTimeDecisionActionParams::CardAuthorization::DeclineReason::OrSymbol
-            )
-          )
-        end
-        attr_reader :decline_reason
-
-        sig do
-          params(
-            decline_reason:
-              Increase::RealTimeDecisionActionParams::CardAuthorization::DeclineReason::OrSymbol
-          ).void
-        end
-        attr_writer :decline_reason
-
         # If the Real-Time Decision relates to a card authorization attempt, this object
         # contains your response to the authorization.
         sig do
@@ -417,9 +396,7 @@ module Increase
             approval:
               Increase::RealTimeDecisionActionParams::CardAuthorization::Approval::OrHash,
             decline:
-              Increase::RealTimeDecisionActionParams::CardAuthorization::Decline::OrHash,
-            decline_reason:
-              Increase::RealTimeDecisionActionParams::CardAuthorization::DeclineReason::OrSymbol
+              Increase::RealTimeDecisionActionParams::CardAuthorization::Decline::OrHash
           ).returns(T.attached_class)
         end
         def self.new(
@@ -432,12 +409,7 @@ module Increase
           approval: nil,
           # If your application declines the authorization, this contains details about the
           # decline.
-          decline: nil,
-          # The reason the card authorization was declined. This translates to a specific
-          # decline code that is sent to the card network. This field is deprecated, please
-          # transition to using the `decline` object as this field will be removed in a
-          # future release.
-          decline_reason: nil
+          decline: nil
         )
         end
 
@@ -449,9 +421,7 @@ module Increase
               approval:
                 Increase::RealTimeDecisionActionParams::CardAuthorization::Approval,
               decline:
-                Increase::RealTimeDecisionActionParams::CardAuthorization::Decline,
-              decline_reason:
-                Increase::RealTimeDecisionActionParams::CardAuthorization::DeclineReason::OrSymbol
+                Increase::RealTimeDecisionActionParams::CardAuthorization::Decline
             }
           )
         end
@@ -824,75 +794,6 @@ module Increase
             end
           end
         end
-
-        # The reason the card authorization was declined. This translates to a specific
-        # decline code that is sent to the card network. This field is deprecated, please
-        # transition to using the `decline` object as this field will be removed in a
-        # future release.
-        module DeclineReason
-          extend Increase::Internal::Type::Enum
-
-          TaggedSymbol =
-            T.type_alias do
-              T.all(
-                Symbol,
-                Increase::RealTimeDecisionActionParams::CardAuthorization::DeclineReason
-              )
-            end
-          OrSymbol = T.type_alias { T.any(Symbol, String) }
-
-          # The cardholder does not have sufficient funds to cover the transaction. The merchant may attempt to process the transaction again.
-          INSUFFICIENT_FUNDS =
-            T.let(
-              :insufficient_funds,
-              Increase::RealTimeDecisionActionParams::CardAuthorization::DeclineReason::TaggedSymbol
-            )
-
-          # This type of transaction is not allowed for this card. This transaction should not be retried.
-          TRANSACTION_NEVER_ALLOWED =
-            T.let(
-              :transaction_never_allowed,
-              Increase::RealTimeDecisionActionParams::CardAuthorization::DeclineReason::TaggedSymbol
-            )
-
-          # The transaction amount exceeds the cardholder's approval limit. The merchant may attempt to process the transaction again.
-          EXCEEDS_APPROVAL_LIMIT =
-            T.let(
-              :exceeds_approval_limit,
-              Increase::RealTimeDecisionActionParams::CardAuthorization::DeclineReason::TaggedSymbol
-            )
-
-          # The card has been temporarily disabled or not yet activated. The merchant may attempt to process the transaction again.
-          CARD_TEMPORARILY_DISABLED =
-            T.let(
-              :card_temporarily_disabled,
-              Increase::RealTimeDecisionActionParams::CardAuthorization::DeclineReason::TaggedSymbol
-            )
-
-          # The transaction is suspected to be fraudulent. The merchant may attempt to process the transaction again.
-          SUSPECTED_FRAUD =
-            T.let(
-              :suspected_fraud,
-              Increase::RealTimeDecisionActionParams::CardAuthorization::DeclineReason::TaggedSymbol
-            )
-
-          # The transaction was declined for another reason. The merchant may attempt to process the transaction again. This should be used sparingly.
-          OTHER =
-            T.let(
-              :other,
-              Increase::RealTimeDecisionActionParams::CardAuthorization::DeclineReason::TaggedSymbol
-            )
-
-          sig do
-            override.returns(
-              T::Array[
-                Increase::RealTimeDecisionActionParams::CardAuthorization::DeclineReason::TaggedSymbol
-              ]
-            )
-          end
-          def self.values
-          end
-        end
       end
 
       class DigitalWalletAuthentication < Increase::Internal::Type::BaseModel

data/rbi/increase/models/transaction.rbi

@@ -525,6 +525,29 @@ module Increase
         end
         attr_writer :check_transfer_deposit
 
+        # A FedNow Transfer Acknowledgement object. This field will be present in the JSON
+        # response if and only if `category` is equal to
+        # `fed_now_transfer_acknowledgement`. A FedNow Transfer Acknowledgement is created
+        # when a FedNow Transfer sent from Increase is acknowledged by the receiving bank.
+        sig do
+          returns(
+            T.nilable(
+              Increase::Transaction::Source::FedNowTransferAcknowledgement
+            )
+          )
+        end
+        attr_reader :fed_now_transfer_acknowledgement
+
+        sig do
+          params(
+            fed_now_transfer_acknowledgement:
+              T.nilable(
+                Increase::Transaction::Source::FedNowTransferAcknowledgement::OrHash
+              )
+          ).void
+        end
+        attr_writer :fed_now_transfer_acknowledgement
+
         # A Fee Payment object. This field will be present in the JSON response if and
         # only if `category` is equal to `fee_payment`. A Fee Payment represents a payment
         # made to Increase.
@@ -911,6 +934,10 @@ module Increase
               T.nilable(
                 Increase::Transaction::Source::CheckTransferDeposit::OrHash
               ),
+            fed_now_transfer_acknowledgement:
+              T.nilable(
+                Increase::Transaction::Source::FedNowTransferAcknowledgement::OrHash
+              ),
             fee_payment:
               T.nilable(Increase::Transaction::Source::FeePayment::OrHash),
             inbound_ach_transfer:
@@ -1057,6 +1084,11 @@ module Increase
           # is a check drawn on an Increase account that has been deposited by an external
           # bank account. These types of checks are not pre-registered.
           check_transfer_deposit:,
+          # A FedNow Transfer Acknowledgement object. This field will be present in the JSON
+          # response if and only if `category` is equal to
+          # `fed_now_transfer_acknowledgement`. A FedNow Transfer Acknowledgement is created
+          # when a FedNow Transfer sent from Increase is acknowledged by the receiving bank.
+          fed_now_transfer_acknowledgement:,
           # A Fee Payment object. This field will be present in the JSON response if and
           # only if `category` is equal to `fee_payment`. A Fee Payment represents a payment
           # made to Increase.
@@ -1184,6 +1216,10 @@ module Increase
                 T.nilable(Increase::Transaction::Source::CheckDepositReturn),
               check_transfer_deposit:
                 T.nilable(Increase::Transaction::Source::CheckTransferDeposit),
+              fed_now_transfer_acknowledgement:
+                T.nilable(
+                  Increase::Transaction::Source::FedNowTransferAcknowledgement
+                ),
               fee_payment: T.nilable(Increase::Transaction::Source::FeePayment),
               inbound_ach_transfer:
                 T.nilable(Increase::Transaction::Source::InboundACHTransfer),
@@ -7890,6 +7926,13 @@ module Increase
               Increase::Transaction::Source::Category::TaggedSymbol
             )
 
+          # FedNow Transfer Acknowledgement: details will be under the `fed_now_transfer_acknowledgement` object.
+          FED_NOW_TRANSFER_ACKNOWLEDGEMENT =
+            T.let(
+              :fed_now_transfer_acknowledgement,
+              Increase::Transaction::Source::Category::TaggedSymbol
+            )
+
           # Check Transfer Deposit: details will be under the `check_transfer_deposit` object.
           CHECK_TRANSFER_DEPOSIT =
             T.let(
@@ -8724,6 +8767,35 @@ module Increase
           end
         end
 
+        class FedNowTransferAcknowledgement < Increase::Internal::Type::BaseModel
+          OrHash =
+            T.type_alias do
+              T.any(
+                Increase::Transaction::Source::FedNowTransferAcknowledgement,
+                Increase::Internal::AnyHash
+              )
+            end
+
+          # The identifier of the FedNow Transfer that led to this Transaction.
+          sig { returns(String) }
+          attr_accessor :transfer_id
+
+          # A FedNow Transfer Acknowledgement object. This field will be present in the JSON
+          # response if and only if `category` is equal to
+          # `fed_now_transfer_acknowledgement`. A FedNow Transfer Acknowledgement is created
+          # when a FedNow Transfer sent from Increase is acknowledged by the receiving bank.
+          sig { params(transfer_id: String).returns(T.attached_class) }
+          def self.new(
+            # The identifier of the FedNow Transfer that led to this Transaction.
+            transfer_id:
+          )
+          end
+
+          sig { override.returns({ transfer_id: String }) }
+          def to_hash
+          end
+        end
+
         class FeePayment < Increase::Internal::Type::BaseModel
           OrHash =
             T.type_alias do

data/rbi/increase/models/transaction_list_params.rbi

@@ -257,6 +257,13 @@ module Increase
               Increase::TransactionListParams::Category::In::TaggedSymbol
             )
 
+          # FedNow Transfer Acknowledgement: details will be under the `fed_now_transfer_acknowledgement` object.
+          FED_NOW_TRANSFER_ACKNOWLEDGEMENT =
+            T.let(
+              :fed_now_transfer_acknowledgement,
+              Increase::TransactionListParams::Category::In::TaggedSymbol
+            )
+
           # Check Transfer Deposit: details will be under the `check_transfer_deposit` object.
           CHECK_TRANSFER_DEPOSIT =
             T.let(

data/sig/increase/models/pending_transaction.rbs

@@ -142,6 +142,7 @@ module Increase
           category: Increase::Models::PendingTransaction::Source::category,
           check_deposit_instruction: Increase::PendingTransaction::Source::CheckDepositInstruction?,
           check_transfer_instruction: Increase::PendingTransaction::Source::CheckTransferInstruction?,
+          fed_now_transfer_instruction: Increase::PendingTransaction::Source::FedNowTransferInstruction?,
           inbound_funds_hold: Increase::PendingTransaction::Source::InboundFundsHold?,
           inbound_wire_transfer_reversal: Increase::PendingTransaction::Source::InboundWireTransferReversal?,
           other: top?,
@@ -166,6 +167,8 @@ module Increase
 
         attr_accessor check_transfer_instruction: Increase::PendingTransaction::Source::CheckTransferInstruction?
 
+        attr_accessor fed_now_transfer_instruction: Increase::PendingTransaction::Source::FedNowTransferInstruction?
+
         attr_accessor inbound_funds_hold: Increase::PendingTransaction::Source::InboundFundsHold?
 
         attr_accessor inbound_wire_transfer_reversal: Increase::PendingTransaction::Source::InboundWireTransferReversal?
@@ -188,6 +191,7 @@ module Increase
           category: Increase::Models::PendingTransaction::Source::category,
           check_deposit_instruction: Increase::PendingTransaction::Source::CheckDepositInstruction?,
           check_transfer_instruction: Increase::PendingTransaction::Source::CheckTransferInstruction?,
+          fed_now_transfer_instruction: Increase::PendingTransaction::Source::FedNowTransferInstruction?,
           inbound_funds_hold: Increase::PendingTransaction::Source::InboundFundsHold?,
           inbound_wire_transfer_reversal: Increase::PendingTransaction::Source::InboundWireTransferReversal?,
           other: top?,
@@ -205,6 +209,7 @@ module Increase
           category: Increase::Models::PendingTransaction::Source::category,
           check_deposit_instruction: Increase::PendingTransaction::Source::CheckDepositInstruction?,
           check_transfer_instruction: Increase::PendingTransaction::Source::CheckTransferInstruction?,
+          fed_now_transfer_instruction: Increase::PendingTransaction::Source::FedNowTransferInstruction?,
           inbound_funds_hold: Increase::PendingTransaction::Source::InboundFundsHold?,
           inbound_wire_transfer_reversal: Increase::PendingTransaction::Source::InboundWireTransferReversal?,
           other: top?,
@@ -1062,6 +1067,7 @@ module Increase
           | :card_authorization
           | :check_deposit_instruction
           | :check_transfer_instruction
+          | :fed_now_transfer_instruction
           | :inbound_funds_hold
           | :user_initiated_hold
           | :real_time_payments_transfer_instruction
@@ -1089,6 +1095,9 @@ module Increase
           # Check Transfer Instruction: details will be under the `check_transfer_instruction` object.
           CHECK_TRANSFER_INSTRUCTION: :check_transfer_instruction
 
+          # FedNow Transfer Instruction: details will be under the `fed_now_transfer_instruction` object.
+          FED_NOW_TRANSFER_INSTRUCTION: :fed_now_transfer_instruction
+
           # Inbound Funds Hold: details will be under the `inbound_funds_hold` object.
           INBOUND_FUNDS_HOLD: :inbound_funds_hold
 
@@ -1232,6 +1241,16 @@ module Increase
           end
         end
 
+        type fed_now_transfer_instruction = { transfer_id: String }
+
+        class FedNowTransferInstruction < Increase::Internal::Type::BaseModel
+          attr_accessor transfer_id: String
+
+          def initialize: (transfer_id: String) -> void
+
+          def to_hash: -> { transfer_id: String }
+        end
+
         type inbound_funds_hold =
           {
             amount: Integer,

data/sig/increase/models/pending_transaction_list_params.rbs

@@ -98,6 +98,7 @@ module Increase
           | :card_authorization
           | :check_deposit_instruction
           | :check_transfer_instruction
+          | :fed_now_transfer_instruction
           | :inbound_funds_hold
           | :user_initiated_hold
           | :real_time_payments_transfer_instruction
@@ -125,6 +126,9 @@ module Increase
           # Check Transfer Instruction: details will be under the `check_transfer_instruction` object.
           CHECK_TRANSFER_INSTRUCTION: :check_transfer_instruction
 
+          # FedNow Transfer Instruction: details will be under the `fed_now_transfer_instruction` object.
+          FED_NOW_TRANSFER_INSTRUCTION: :fed_now_transfer_instruction
+
           # Inbound Funds Hold: details will be under the `inbound_funds_hold` object.
           INBOUND_FUNDS_HOLD: :inbound_funds_hold
 

data/sig/increase/models/real_time_decision_action_params.rbs

@@ -131,8 +131,7 @@ module Increase
         {
           decision: Increase::Models::RealTimeDecisionActionParams::CardAuthorization::decision,
           approval: Increase::RealTimeDecisionActionParams::CardAuthorization::Approval,
-          decline: Increase::RealTimeDecisionActionParams::CardAuthorization::Decline,
-          decline_reason: Increase::Models::RealTimeDecisionActionParams::CardAuthorization::decline_reason
+          decline: Increase::RealTimeDecisionActionParams::CardAuthorization::Decline
         }
 
       class CardAuthorization < Increase::Internal::Type::BaseModel
@@ -150,24 +149,16 @@ module Increase
           Increase::RealTimeDecisionActionParams::CardAuthorization::Decline
         ) -> Increase::RealTimeDecisionActionParams::CardAuthorization::Decline
 
-        attr_reader decline_reason: Increase::Models::RealTimeDecisionActionParams::CardAuthorization::decline_reason?
-
-        def decline_reason=: (
-          Increase::Models::RealTimeDecisionActionParams::CardAuthorization::decline_reason
-        ) -> Increase::Models::RealTimeDecisionActionParams::CardAuthorization::decline_reason
-
         def initialize: (
           decision: Increase::Models::RealTimeDecisionActionParams::CardAuthorization::decision,
           ?approval: Increase::RealTimeDecisionActionParams::CardAuthorization::Approval,
-          ?decline: Increase::RealTimeDecisionActionParams::CardAuthorization::Decline,
-          ?decline_reason: Increase::Models::RealTimeDecisionActionParams::CardAuthorization::decline_reason
+          ?decline: Increase::RealTimeDecisionActionParams::CardAuthorization::Decline
         ) -> void
 
         def to_hash: -> {
           decision: Increase::Models::RealTimeDecisionActionParams::CardAuthorization::decision,
           approval: Increase::RealTimeDecisionActionParams::CardAuthorization::Approval,
-          decline: Increase::RealTimeDecisionActionParams::CardAuthorization::Decline,
-          decline_reason: Increase::Models::RealTimeDecisionActionParams::CardAuthorization::decline_reason
+          decline: Increase::RealTimeDecisionActionParams::CardAuthorization::Decline
         }
 
         type decision = :approve | :decline
@@ -303,38 +294,6 @@ module Increase
             def self?.values: -> ::Array[Increase::Models::RealTimeDecisionActionParams::CardAuthorization::Decline::reason]
           end
         end
-
-        type decline_reason =
-          :insufficient_funds
-          | :transaction_never_allowed
-          | :exceeds_approval_limit
-          | :card_temporarily_disabled
-          | :suspected_fraud
-          | :other
-
-        module DeclineReason
-          extend Increase::Internal::Type::Enum
-
-          # The cardholder does not have sufficient funds to cover the transaction. The merchant may attempt to process the transaction again.
-          INSUFFICIENT_FUNDS: :insufficient_funds
-
-          # This type of transaction is not allowed for this card. This transaction should not be retried.
-          TRANSACTION_NEVER_ALLOWED: :transaction_never_allowed
-
-          # The transaction amount exceeds the cardholder's approval limit. The merchant may attempt to process the transaction again.
-          EXCEEDS_APPROVAL_LIMIT: :exceeds_approval_limit
-
-          # The card has been temporarily disabled or not yet activated. The merchant may attempt to process the transaction again.
-          CARD_TEMPORARILY_DISABLED: :card_temporarily_disabled
-
-          # The transaction is suspected to be fraudulent. The merchant may attempt to process the transaction again.
-          SUSPECTED_FRAUD: :suspected_fraud
-
-          # The transaction was declined for another reason. The merchant may attempt to process the transaction again. This should be used sparingly.
-          OTHER: :other
-
-          def self?.values: -> ::Array[Increase::Models::RealTimeDecisionActionParams::CardAuthorization::decline_reason]
-        end
       end
 
       type digital_wallet_authentication =

data/sig/increase/models/transaction.rbs

@@ -123,6 +123,7 @@ module Increase
           check_deposit_acceptance: Increase::Transaction::Source::CheckDepositAcceptance?,
           check_deposit_return: Increase::Transaction::Source::CheckDepositReturn?,
           check_transfer_deposit: Increase::Transaction::Source::CheckTransferDeposit?,
+          fed_now_transfer_acknowledgement: Increase::Transaction::Source::FedNowTransferAcknowledgement?,
           fee_payment: Increase::Transaction::Source::FeePayment?,
           inbound_ach_transfer: Increase::Transaction::Source::InboundACHTransfer?,
           inbound_ach_transfer_return_intention: Increase::Transaction::Source::InboundACHTransferReturnIntention?,
@@ -177,6 +178,8 @@ module Increase
 
         attr_accessor check_transfer_deposit: Increase::Transaction::Source::CheckTransferDeposit?
 
+        attr_accessor fed_now_transfer_acknowledgement: Increase::Transaction::Source::FedNowTransferAcknowledgement?
+
         attr_accessor fee_payment: Increase::Transaction::Source::FeePayment?
 
         attr_accessor inbound_ach_transfer: Increase::Transaction::Source::InboundACHTransfer?
@@ -229,6 +232,7 @@ module Increase
           check_deposit_acceptance: Increase::Transaction::Source::CheckDepositAcceptance?,
           check_deposit_return: Increase::Transaction::Source::CheckDepositReturn?,
           check_transfer_deposit: Increase::Transaction::Source::CheckTransferDeposit?,
+          fed_now_transfer_acknowledgement: Increase::Transaction::Source::FedNowTransferAcknowledgement?,
           fee_payment: Increase::Transaction::Source::FeePayment?,
           inbound_ach_transfer: Increase::Transaction::Source::InboundACHTransfer?,
           inbound_ach_transfer_return_intention: Increase::Transaction::Source::InboundACHTransferReturnIntention?,
@@ -266,6 +270,7 @@ module Increase
           check_deposit_acceptance: Increase::Transaction::Source::CheckDepositAcceptance?,
           check_deposit_return: Increase::Transaction::Source::CheckDepositReturn?,
           check_transfer_deposit: Increase::Transaction::Source::CheckTransferDeposit?,
+          fed_now_transfer_acknowledgement: Increase::Transaction::Source::FedNowTransferAcknowledgement?,
           fee_payment: Increase::Transaction::Source::FeePayment?,
           inbound_ach_transfer: Increase::Transaction::Source::InboundACHTransfer?,
           inbound_ach_transfer_return_intention: Increase::Transaction::Source::InboundACHTransferReturnIntention?,
@@ -3144,6 +3149,7 @@ module Increase
           | :card_revenue_payment
           | :check_deposit_acceptance
           | :check_deposit_return
+          | :fed_now_transfer_acknowledgement
           | :check_transfer_deposit
           | :fee_payment
           | :inbound_ach_transfer
@@ -3207,6 +3213,9 @@ module Increase
           # Check Deposit Return: details will be under the `check_deposit_return` object.
           CHECK_DEPOSIT_RETURN: :check_deposit_return
 
+          # FedNow Transfer Acknowledgement: details will be under the `fed_now_transfer_acknowledgement` object.
+          FED_NOW_TRANSFER_ACKNOWLEDGEMENT: :fed_now_transfer_acknowledgement
+
           # Check Transfer Deposit: details will be under the `check_transfer_deposit` object.
           CHECK_TRANSFER_DEPOSIT: :check_transfer_deposit
 
@@ -3585,6 +3594,16 @@ module Increase
           end
         end
 
+        type fed_now_transfer_acknowledgement = { transfer_id: String }
+
+        class FedNowTransferAcknowledgement < Increase::Internal::Type::BaseModel
+          attr_accessor transfer_id: String
+
+          def initialize: (transfer_id: String) -> void
+
+          def to_hash: -> { transfer_id: String }
+        end
+
         type fee_payment =
           {
             amount: Integer,

data/sig/increase/models/transaction_list_params.rbs

@@ -95,6 +95,7 @@ module Increase
           | :card_revenue_payment
           | :check_deposit_acceptance
           | :check_deposit_return
+          | :fed_now_transfer_acknowledgement
           | :check_transfer_deposit
           | :fee_payment
           | :inbound_ach_transfer
@@ -158,6 +159,9 @@ module Increase
           # Check Deposit Return: details will be under the `check_deposit_return` object.
           CHECK_DEPOSIT_RETURN: :check_deposit_return
 
+          # FedNow Transfer Acknowledgement: details will be under the `fed_now_transfer_acknowledgement` object.
+          FED_NOW_TRANSFER_ACKNOWLEDGEMENT: :fed_now_transfer_acknowledgement
+
           # Check Transfer Deposit: details will be under the `check_transfer_deposit` object.
           CHECK_TRANSFER_DEPOSIT: :check_transfer_deposit
 

metadata

@@ -1,14 +1,14 @@
 --- !ruby/object:Gem::Specification
 name: increase
 version: !ruby/object:Gem::Version
-  version: 1.73.0
+  version: 1.75.0
 platform: ruby
 authors:
 - Increase
 autorequire:
 bindir: bin
 cert_chain: []
-date: 2025-09-11 00:00:00.000000000 Z
+date: 2025-09-12 00:00:00.000000000 Z
 dependencies:
 - !ruby/object:Gem::Dependency
   name: connection_pool