increase 0.10.3 → 0.11.0

package/src/resources/simulations/ach-transfers.ts

@@ -1,9 +1,9 @@
 // File generated from our OpenAPI spec by Stainless.
 
-import * as Core from '../../core';
-import { APIResource } from '../../resource';
-import * as ACHTransfers_ from '../ach-transfers';
-import * as API from './index';
+import * as Core from '../../core.js';
+import { APIResource } from '../../resource.js';
+import * as ACHTransfers_ from '../ach-transfers.js';
+import * as API from './index.js';
 
 export class ACHTransfers extends APIResource {
   /**
@@ -267,16 +267,22 @@ export namespace ACHTransferSimulation {
          *
          * - `ach_route_canceled` - The account number is canceled.
          * - `ach_route_disabled` - The account number is disabled.
-         * - `breaches_limit` - The transaction would cause a limit to be exceeded.
-         * - `credit_entry_refused_by_receiver` - A credit was refused.
-         * - `duplicate_return` - Other.
+         * - `breaches_limit` - The transaction would cause an Increase limit to be
+         *   exceeded.
+         * - `credit_entry_refused_by_receiver` - A credit was refused. This is a
+         *   reasonable default reason for decline of credits.
+         * - `duplicate_return` - A rare return reason. The return this message refers to
+         *   was a duplicate.
          * - `entity_not_active` - The account's entity is not active.
          * - `group_locked` - Your account is inactive.
          * - `insufficient_funds` - Your account contains insufficient funds.
-         * - `misrouted_return` - Other.
-         * - `return_of_erroneous_or_reversing_debit` - Other.
+         * - `misrouted_return` - A rare return reason. The return this message refers to
+         *   was misrouted.
+         * - `return_of_erroneous_or_reversing_debit` - The originating financial
+         *   institution made a mistake and this return corrects it.
          * - `no_ach_route` - The account number that was debited does not exist.
-         * - `originator_request` - Other.
+         * - `originator_request` - The originating financial institution asked for this
+         *   transfer to be returned.
          * - `transaction_not_allowed` - The transaction is not allowed per Increase's
          *   terms.
          * - `user_initiated` - The user initiated the decline.
@@ -382,7 +388,7 @@ export namespace ACHTransferSimulation {
         merchant_state: string | null;
 
         /**
-         * Fields specific to the `network`
+         * Fields specific to the `network`.
          */
         network_details: CardDecline.NetworkDetails;
 
@@ -441,25 +447,25 @@ export namespace ACHTransferSimulation {
 
       export namespace CardDecline {
         /**
-         * Fields specific to the `network`
+         * Fields specific to the `network`.
          */
         export interface NetworkDetails {
           /**
-           * The payment network used to process this card authorization
+           * The payment network used to process this card authorization.
            *
            * - `visa` - Visa
            */
           category: 'visa';
 
           /**
-           * Fields specific to the `visa` network
+           * Fields specific to the `visa` network.
            */
           visa: NetworkDetails.Visa | null;
         }
 
         export namespace NetworkDetails {
           /**
-           * Fields specific to the `visa` network
+           * Fields specific to the `visa` network.
            */
           export interface Visa {
             /**
@@ -510,7 +516,7 @@ export namespace ACHTransferSimulation {
 
             /**
              * The method used to enter the cardholder's primary account number and card
-             * expiration date
+             * expiration date.
              *
              * - `unknown` - Unknown
              * - `manual` - Manual key entry
@@ -553,43 +559,42 @@ export namespace ACHTransferSimulation {
          */
         amount: number;
 
+        /**
+         * A computer-readable number printed on the MICR line of business checks, usually
+         * the check number. This is useful for positive pay checks, but can be unreliably
+         * transmitted by the bank of first deposit.
+         */
         auxiliary_on_us: string | null;
 
         /**
          * Why the check was declined.
          *
-         * - `ach_route_canceled` - The account number is canceled.
          * - `ach_route_disabled` - The account number is disabled.
+         * - `ach_route_canceled` - The account number is canceled.
          * - `breaches_limit` - The transaction would cause a limit to be exceeded.
          * - `entity_not_active` - The account's entity is not active.
          * - `group_locked` - Your account is inactive.
          * - `insufficient_funds` - Your account contains insufficient funds.
-         * - `unable_to_locate_account` - Unable to locate account.
-         * - `not_our_item` - Routing number on the check is not ours.
-         * - `unable_to_process` - Unable to process.
-         * - `refer_to_image` - Refer to image.
          * - `stop_payment_requested` - Stop payment requested for this check.
-         * - `returned` - Check was returned to sender.
          * - `duplicate_presentment` - The check was a duplicate deposit.
-         * - `not_authorized` - The transaction is not allowed.
-         * - `altered_or_fictitious` - The check was altered or fictitious.
+         * - `not_authorized` - The check was not authorized.
+         * - `amount_mismatch` - The amount the receiving bank is attempting to deposit
+         *   does not match the amount on the check.
+         * - `not_our_item` - The check attempting to be deposited does not belong to
+         *   Increase.
          */
         reason:
-          | 'ach_route_canceled'
           | 'ach_route_disabled'
+          | 'ach_route_canceled'
           | 'breaches_limit'
           | 'entity_not_active'
           | 'group_locked'
           | 'insufficient_funds'
-          | 'unable_to_locate_account'
-          | 'not_our_item'
-          | 'unable_to_process'
-          | 'refer_to_image'
           | 'stop_payment_requested'
-          | 'returned'
           | 'duplicate_presentment'
           | 'not_authorized'
-          | 'altered_or_fictitious';
+          | 'amount_mismatch'
+          | 'not_our_item';
       }
 
       /**
@@ -679,74 +684,279 @@ export namespace ACHTransferSimulation {
          */
         amount: number;
 
+        /**
+         * The [ISO 3166](https://en.wikipedia.org/wiki/ISO_3166-1_alpha-2), Alpha-2
+         * country code of the destination country.
+         */
         destination_country_code: string;
 
+        /**
+         * The [ISO 4217](https://en.wikipedia.org/wiki/ISO_4217) currency code for the
+         * destination bank account.
+         */
         destination_currency_code: string;
 
-        foreign_exchange_indicator: string;
+        /**
+         * A description of how the foreign exchange rate was calculated.
+         *
+         * - `fixed_to_variable` - The originator chose an amount in their own currency.
+         *   The settled amount in USD was converted using the exchange rate.
+         * - `variable_to_fixed` - The originator chose an amount to settle in USD. The
+         *   originator's amount was variable; known only after the foreign exchange
+         *   conversion.
+         * - `fixed_to_fixed` - The amount was originated and settled as a fixed amount in
+         *   USD. There is no foreign exchange conversion.
+         */
+        foreign_exchange_indicator: 'fixed_to_variable' | 'variable_to_fixed' | 'fixed_to_fixed';
 
+        /**
+         * Depending on the `foreign_exchange_reference_indicator`, an exchange rate or a
+         * reference to a well-known rate.
+         */
         foreign_exchange_reference: string | null;
 
-        foreign_exchange_reference_indicator: string;
+        /**
+         * An instruction of how to interpret the `foreign_exchange_reference` field for
+         * this Transaction.
+         *
+         * - `foreign_exchange_rate` - The ACH file contains a foreign exchange rate.
+         * - `foreign_exchange_reference_number` - The ACH file contains a reference to a
+         *   well-known foreign exchange rate.
+         * - `blank` - There is no foreign exchange for this transfer, so the
+         *   `foreign_exchange_reference` field is blank.
+         */
+        foreign_exchange_reference_indicator:
+          | 'foreign_exchange_rate'
+          | 'foreign_exchange_reference_number'
+          | 'blank';
 
+        /**
+         * The amount in the minor unit of the foreign payment currency. For dollars, for
+         * example, this is cents.
+         */
         foreign_payment_amount: number;
 
+        /**
+         * A reference number in the foreign banking infrastructure.
+         */
         foreign_trace_number: string | null;
 
-        international_transaction_type_code: string;
-
+        /**
+         * The type of transfer. Set by the originator.
+         *
+         * - `annuity` - Sent as `ANN` in the Nacha file.
+         * - `business_or_commercial` - Sent as `BUS` in the Nacha file.
+         * - `deposit` - Sent as `DEP` in the Nacha file.
+         * - `loan` - Sent as `LOA` in the Nacha file.
+         * - `miscellaneous` - Sent as `MIS` in the Nacha file.
+         * - `mortgage` - Sent as `MOR` in the Nacha file.
+         * - `pension` - Sent as `PEN` in the Nacha file.
+         * - `remittance` - Sent as `REM` in the Nacha file.
+         * - `rent_or_lease` - Sent as `RLS` in the Nacha file.
+         * - `salary_or_payroll` - Sent as `SAL` in the Nacha file.
+         * - `tax` - Sent as `TAX` in the Nacha file.
+         * - `accounts_receivable` - Sent as `ARC` in the Nacha file.
+         * - `back_office_conversion` - Sent as `BOC` in the Nacha file.
+         * - `machine_transfer` - Sent as `MTE` in the Nacha file.
+         * - `point_of_purchase` - Sent as `POP` in the Nacha file.
+         * - `point_of_sale` - Sent as `POS` in the Nacha file.
+         * - `represented_check` - Sent as `RCK` in the Nacha file.
+         * - `shared_network_transaction` - Sent as `SHR` in the Nacha file.
+         * - `telphone_initiated` - Sent as `TEL` in the Nacha file.
+         * - `internet_initiated` - Sent as `WEB` in the Nacha file.
+         */
+        international_transaction_type_code:
+          | 'annuity'
+          | 'business_or_commercial'
+          | 'deposit'
+          | 'loan'
+          | 'miscellaneous'
+          | 'mortgage'
+          | 'pension'
+          | 'remittance'
+          | 'rent_or_lease'
+          | 'salary_or_payroll'
+          | 'tax'
+          | 'accounts_receivable'
+          | 'back_office_conversion'
+          | 'machine_transfer'
+          | 'point_of_purchase'
+          | 'point_of_sale'
+          | 'represented_check'
+          | 'shared_network_transaction'
+          | 'telphone_initiated'
+          | 'internet_initiated';
+
+        /**
+         * The [ISO 4217](https://en.wikipedia.org/wiki/ISO_4217) currency code for the
+         * originating bank account.
+         */
         originating_currency_code: string;
 
+        /**
+         * The [ISO 3166](https://en.wikipedia.org/wiki/ISO_3166-1_alpha-2), Alpha-2
+         * country code of the originating branch country.
+         */
         originating_depository_financial_institution_branch_country: string;
 
+        /**
+         * An identifier for the originating bank. One of an International Bank Account
+         * Number (IBAN) bank identifier, SWIFT Bank Identification Code (BIC), or a
+         * domestic identifier like a US Routing Number.
+         */
         originating_depository_financial_institution_id: string;
 
-        originating_depository_financial_institution_id_qualifier: string;
+        /**
+         * An instruction of how to interpret the
+         * `originating_depository_financial_institution_id` field for this Transaction.
+         *
+         * - `national_clearing_system_number` - A domestic clearing system number. In the
+         *   US, for example, this is the American Banking Association (ABA) routing
+         *   number.
+         * - `bic_code` - The SWIFT Bank Identifier Code (BIC) of the bank.
+         * - `iban` - An International Bank Account Number.
+         */
+        originating_depository_financial_institution_id_qualifier:
+          | 'national_clearing_system_number'
+          | 'bic_code'
+          | 'iban';
 
+        /**
+         * The name of the originating bank. Sometimes this will refer to an American bank
+         * and obscure the correspondent foreign bank.
+         */
         originating_depository_financial_institution_name: string;
 
+        /**
+         * A portion of the originator address. This may be incomplete.
+         */
         originator_city: string;
 
+        /**
+         * A description field set by the originator.
+         */
         originator_company_entry_description: string;
 
+        /**
+         * A portion of the originator address. The
+         * [ISO 3166](https://en.wikipedia.org/wiki/ISO_3166-1_alpha-2), Alpha-2 country
+         * code of the originator country.
+         */
         originator_country: string;
 
+        /**
+         * An identifier for the originating company. This is generally stable across
+         * multiple ACH transfers.
+         */
         originator_identification: string;
 
+        /**
+         * Either the name of the originator or an intermediary money transmitter.
+         */
         originator_name: string;
 
+        /**
+         * A portion of the originator address. This may be incomplete.
+         */
         originator_postal_code: string | null;
 
+        /**
+         * A portion of the originator address. This may be incomplete.
+         */
         originator_state_or_province: string | null;
 
+        /**
+         * A portion of the originator address. This may be incomplete.
+         */
         originator_street_address: string;
 
+        /**
+         * A description field set by the originator.
+         */
         payment_related_information: string | null;
 
+        /**
+         * A description field set by the originator.
+         */
         payment_related_information2: string | null;
 
+        /**
+         * A portion of the receiver address. This may be incomplete.
+         */
         receiver_city: string;
 
+        /**
+         * A portion of the receiver address. The
+         * [ISO 3166](https://en.wikipedia.org/wiki/ISO_3166-1_alpha-2), Alpha-2 country
+         * code of the receiver country.
+         */
         receiver_country: string;
 
+        /**
+         * An identification number the originator uses for the receiver.
+         */
         receiver_identification_number: string | null;
 
+        /**
+         * A portion of the receiver address. This may be incomplete.
+         */
         receiver_postal_code: string | null;
 
+        /**
+         * A portion of the receiver address. This may be incomplete.
+         */
         receiver_state_or_province: string | null;
 
+        /**
+         * A portion of the receiver address. This may be incomplete.
+         */
         receiver_street_address: string;
 
+        /**
+         * The name of the receiver of the transfer. This is not verified by Increase.
+         */
         receiving_company_or_individual_name: string;
 
+        /**
+         * The [ISO 3166](https://en.wikipedia.org/wiki/ISO_3166-1_alpha-2), Alpha-2
+         * country code of the receiving bank country.
+         */
         receiving_depository_financial_institution_country: string;
 
+        /**
+         * An identifier for the receiving bank. One of an International Bank Account
+         * Number (IBAN) bank identifier, SWIFT Bank Identification Code (BIC), or a
+         * domestic identifier like a US Routing Number.
+         */
         receiving_depository_financial_institution_id: string;
 
-        receiving_depository_financial_institution_id_qualifier: string;
+        /**
+         * An instruction of how to interpret the
+         * `receiving_depository_financial_institution_id` field for this Transaction.
+         *
+         * - `national_clearing_system_number` - A domestic clearing system number. In the
+         *   US, for example, this is the American Banking Association (ABA) routing
+         *   number.
+         * - `bic_code` - The SWIFT Bank Identifier Code (BIC) of the bank.
+         * - `iban` - An International Bank Account Number.
+         */
+        receiving_depository_financial_institution_id_qualifier:
+          | 'national_clearing_system_number'
+          | 'bic_code'
+          | 'iban';
 
+        /**
+         * The name of the receiving bank, as set by the sending financial institution.
+         */
         receiving_depository_financial_institution_name: string;
 
+        /**
+         * A 15 digit number recorded in the Nacha file and available to both the
+         * originating and receiving bank. Along with the amount, date, and originating
+         * routing number, this can be used to identify the ACH transfer at either bank.
+         * ACH trace numbers are not unique, but are
+         * [used to correlate returns](https://increase.com/documentation/ach#returns).
+         */
         trace_number: string;
       }
 
@@ -761,34 +971,81 @@ export namespace ACHTransferSimulation {
          */
         amount: number;
 
+        /**
+         * A free-form address field set by the sender.
+         */
         beneficiary_address_line1: string | null;
 
+        /**
+         * A free-form address field set by the sender.
+         */
         beneficiary_address_line2: string | null;
 
+        /**
+         * A free-form address field set by the sender.
+         */
         beneficiary_address_line3: string | null;
 
+        /**
+         * A name set by the sender.
+         */
         beneficiary_name: string | null;
 
+        /**
+         * A free-form reference string set by the sender, to help identify the transfer.
+         */
         beneficiary_reference: string | null;
 
+        /**
+         * An Increase-constructed description of the declined transaction.
+         */
         description: string;
 
+        /**
+         * A unique identifier available to the originating and receiving banks, commonly
+         * abbreviated as IMAD. It is created when the wire is submitted to the Fedwire
+         * service and is helpful when debugging wires with the originating bank.
+         */
         input_message_accountability_data: string | null;
 
+        /**
+         * The address of the wire originator, set by the sending bank.
+         */
         originator_address_line1: string | null;
 
+        /**
+         * The address of the wire originator, set by the sending bank.
+         */
         originator_address_line2: string | null;
 
+        /**
+         * The address of the wire originator, set by the sending bank.
+         */
         originator_address_line3: string | null;
 
+        /**
+         * The originator of the wire, set by the sending bank.
+         */
         originator_name: string | null;
 
+        /**
+         * A free-form message set by the wire originator.
+         */
         originator_to_beneficiary_information_line1: string | null;
 
+        /**
+         * A free-form message set by the wire originator.
+         */
         originator_to_beneficiary_information_line2: string | null;
 
+        /**
+         * A free-form message set by the wire originator.
+         */
         originator_to_beneficiary_information_line3: string | null;
 
+        /**
+         * A free-form message set by the wire originator.
+         */
         originator_to_beneficiary_information_line4: string | null;
 
         /**
@@ -1222,6 +1479,9 @@ export namespace ACHTransferSimulation {
        * response if and only if `category` is equal to `ach_transfer_intention`.
        */
       export interface ACHTransferIntention {
+        /**
+         * The account number for the destination account.
+         */
         account_number: string;
 
         /**
@@ -1230,8 +1490,15 @@ export namespace ACHTransferSimulation {
          */
         amount: number;
 
+        /**
+         * The American Bankers' Association (ABA) Routing Transit Number (RTN) for the
+         * destination account.
+         */
         routing_number: string;
 
+        /**
+         * A description set when the ACH Transfer was created.
+         */
         statement_descriptor: string;
 
         /**
@@ -1303,7 +1570,7 @@ export namespace ACHTransferSimulation {
          * - `enr_invalid_individual_name` - Code R45. The individual name field was
          *   invalid.
          * - `returned_per_odfi_request` - Code R06. The originating financial institution
-         *   reversed the transfer.
+         *   asked for this transfer to be returned.
          * - `limited_participation_dfi` - Code R34. The receiving bank's regulatory
          *   supervisor has limited their participation.
          * - `incorrectly_coded_outbound_international_payment` - Code R85. The outbound
@@ -1390,7 +1657,7 @@ export namespace ACHTransferSimulation {
          *   bank disputes that an earlier `duplicate_entry` return was actually a
          *   duplicate.
          * - `return_of_erroneous_or_reversing_debit` - Code R62. A rare return reason. The
-         *   originating bank made a mistake earlier and this return corrects it.
+         *   originating financial institution made a mistake and this return corrects it.
          * - `return_of_improper_credit_entry` - Code R36. A rare return reason. Return of
          *   a malformed credit entry.
          * - `return_of_improper_debit_entry` - Code R35. A rare return reason. Return of a
@@ -2879,6 +3146,9 @@ export namespace ACHTransferSimulation {
         currency: 'CAD' | 'CHF' | 'EUR' | 'GBP' | 'JPY' | 'USD';
 
         /**
+         * Why this check was returned by the bank holding the account it was drawn
+         * against.
+         *
          * - `ach_conversion_not_supported` - The check doesn't allow ACH conversion.
          * - `closed_account` - The account is closed.
          * - `duplicate_submission` - The check has already been deposited.
@@ -2930,6 +3200,13 @@ export namespace ACHTransferSimulation {
          */
         back_image_file_id: string | null;
 
+        /**
+         * The American Bankers' Association (ABA) Routing Transit Number (RTN) for the
+         * bank depositing this check. In some rare cases, this is not transmitted via
+         * Check21 and the value will be null.
+         */
+        bank_of_first_deposit_routing_number: string | null;
+
         /**
          * When the check was deposited.
          */
@@ -3086,21 +3363,56 @@ export namespace ACHTransferSimulation {
          */
         amount: number;
 
+        /**
+         * The description of the date of the transfer, usually in the format `YYMMDD`.
+         */
         originator_company_descriptive_date: string | null;
 
+        /**
+         * Data set by the originator.
+         */
         originator_company_discretionary_data: string | null;
 
+        /**
+         * An informational description of the transfer.
+         */
         originator_company_entry_description: string;
 
+        /**
+         * An identifier for the originating company. This is generally, but not always, a
+         * stable identifier across multiple transfers.
+         */
         originator_company_id: string;
 
+        /**
+         * A name set by the originator to identify themselves.
+         */
         originator_company_name: string;
 
+        /**
+         * The originator's identifier for the transfer receipient.
+         */
         receiver_id_number: string | null;
 
+        /**
+         * The name of the transfer recipient. This value is informational and not verified
+         * by Increase.
+         */
         receiver_name: string | null;
 
+        /**
+         * A 15 digit number recorded in the Nacha file and available to both the
+         * originating and receiving bank. Along with the amount, date, and originating
+         * routing number, this can be used to identify the ACH transfer at either bank.
+         * ACH trace numbers are not unique, but are
+         * [used to correlate returns](https://increase.com/documentation/ach#returns).
+         */
         trace_number: string;
+
+        /**
+         * The inbound ach transfer's identifier.
+         */
+        transfer_id: string;
       }
 
       /**
@@ -3114,10 +3426,27 @@ export namespace ACHTransferSimulation {
          */
         amount: number;
 
+        /**
+         * The American Bankers' Association (ABA) Routing Transit Number (RTN) for the
+         * bank depositing this check. In some rare cases, this is not transmitted via
+         * Check21 and the value will be null.
+         */
+        bank_of_first_deposit_routing_number: string | null;
+
+        /**
+         * The front image of the check. This is a black and white TIFF image file.
+         */
         check_front_image_file_id: string | null;
 
+        /**
+         * The number of the check. This field is set by the depositing bank and can be
+         * unreliable.
+         */
         check_number: string | null;
 
+        /**
+         * The rear image of the check. This is a black and white TIFF image file.
+         */
         check_rear_image_file_id: string | null;
 
         /**
@@ -3146,74 +3475,279 @@ export namespace ACHTransferSimulation {
          */
         amount: number;
 
+        /**
+         * The [ISO 3166](https://en.wikipedia.org/wiki/ISO_3166-1_alpha-2), Alpha-2
+         * country code of the destination country.
+         */
         destination_country_code: string;
 
+        /**
+         * The [ISO 4217](https://en.wikipedia.org/wiki/ISO_4217) currency code for the
+         * destination bank account.
+         */
         destination_currency_code: string;
 
-        foreign_exchange_indicator: string;
+        /**
+         * A description of how the foreign exchange rate was calculated.
+         *
+         * - `fixed_to_variable` - The originator chose an amount in their own currency.
+         *   The settled amount in USD was converted using the exchange rate.
+         * - `variable_to_fixed` - The originator chose an amount to settle in USD. The
+         *   originator's amount was variable; known only after the foreign exchange
+         *   conversion.
+         * - `fixed_to_fixed` - The amount was originated and settled as a fixed amount in
+         *   USD. There is no foreign exchange conversion.
+         */
+        foreign_exchange_indicator: 'fixed_to_variable' | 'variable_to_fixed' | 'fixed_to_fixed';
 
+        /**
+         * Depending on the `foreign_exchange_reference_indicator`, an exchange rate or a
+         * reference to a well-known rate.
+         */
         foreign_exchange_reference: string | null;
 
-        foreign_exchange_reference_indicator: string;
+        /**
+         * An instruction of how to interpret the `foreign_exchange_reference` field for
+         * this Transaction.
+         *
+         * - `foreign_exchange_rate` - The ACH file contains a foreign exchange rate.
+         * - `foreign_exchange_reference_number` - The ACH file contains a reference to a
+         *   well-known foreign exchange rate.
+         * - `blank` - There is no foreign exchange for this transfer, so the
+         *   `foreign_exchange_reference` field is blank.
+         */
+        foreign_exchange_reference_indicator:
+          | 'foreign_exchange_rate'
+          | 'foreign_exchange_reference_number'
+          | 'blank';
 
+        /**
+         * The amount in the minor unit of the foreign payment currency. For dollars, for
+         * example, this is cents.
+         */
         foreign_payment_amount: number;
 
+        /**
+         * A reference number in the foreign banking infrastructure.
+         */
         foreign_trace_number: string | null;
 
-        international_transaction_type_code: string;
-
+        /**
+         * The type of transfer. Set by the originator.
+         *
+         * - `annuity` - Sent as `ANN` in the Nacha file.
+         * - `business_or_commercial` - Sent as `BUS` in the Nacha file.
+         * - `deposit` - Sent as `DEP` in the Nacha file.
+         * - `loan` - Sent as `LOA` in the Nacha file.
+         * - `miscellaneous` - Sent as `MIS` in the Nacha file.
+         * - `mortgage` - Sent as `MOR` in the Nacha file.
+         * - `pension` - Sent as `PEN` in the Nacha file.
+         * - `remittance` - Sent as `REM` in the Nacha file.
+         * - `rent_or_lease` - Sent as `RLS` in the Nacha file.
+         * - `salary_or_payroll` - Sent as `SAL` in the Nacha file.
+         * - `tax` - Sent as `TAX` in the Nacha file.
+         * - `accounts_receivable` - Sent as `ARC` in the Nacha file.
+         * - `back_office_conversion` - Sent as `BOC` in the Nacha file.
+         * - `machine_transfer` - Sent as `MTE` in the Nacha file.
+         * - `point_of_purchase` - Sent as `POP` in the Nacha file.
+         * - `point_of_sale` - Sent as `POS` in the Nacha file.
+         * - `represented_check` - Sent as `RCK` in the Nacha file.
+         * - `shared_network_transaction` - Sent as `SHR` in the Nacha file.
+         * - `telphone_initiated` - Sent as `TEL` in the Nacha file.
+         * - `internet_initiated` - Sent as `WEB` in the Nacha file.
+         */
+        international_transaction_type_code:
+          | 'annuity'
+          | 'business_or_commercial'
+          | 'deposit'
+          | 'loan'
+          | 'miscellaneous'
+          | 'mortgage'
+          | 'pension'
+          | 'remittance'
+          | 'rent_or_lease'
+          | 'salary_or_payroll'
+          | 'tax'
+          | 'accounts_receivable'
+          | 'back_office_conversion'
+          | 'machine_transfer'
+          | 'point_of_purchase'
+          | 'point_of_sale'
+          | 'represented_check'
+          | 'shared_network_transaction'
+          | 'telphone_initiated'
+          | 'internet_initiated';
+
+        /**
+         * The [ISO 4217](https://en.wikipedia.org/wiki/ISO_4217) currency code for the
+         * originating bank account.
+         */
         originating_currency_code: string;
 
+        /**
+         * The [ISO 3166](https://en.wikipedia.org/wiki/ISO_3166-1_alpha-2), Alpha-2
+         * country code of the originating branch country.
+         */
         originating_depository_financial_institution_branch_country: string;
 
+        /**
+         * An identifier for the originating bank. One of an International Bank Account
+         * Number (IBAN) bank identifier, SWIFT Bank Identification Code (BIC), or a
+         * domestic identifier like a US Routing Number.
+         */
         originating_depository_financial_institution_id: string;
 
-        originating_depository_financial_institution_id_qualifier: string;
+        /**
+         * An instruction of how to interpret the
+         * `originating_depository_financial_institution_id` field for this Transaction.
+         *
+         * - `national_clearing_system_number` - A domestic clearing system number. In the
+         *   US, for example, this is the American Banking Association (ABA) routing
+         *   number.
+         * - `bic_code` - The SWIFT Bank Identifier Code (BIC) of the bank.
+         * - `iban` - An International Bank Account Number.
+         */
+        originating_depository_financial_institution_id_qualifier:
+          | 'national_clearing_system_number'
+          | 'bic_code'
+          | 'iban';
 
+        /**
+         * The name of the originating bank. Sometimes this will refer to an American bank
+         * and obscure the correspondent foreign bank.
+         */
         originating_depository_financial_institution_name: string;
 
+        /**
+         * A portion of the originator address. This may be incomplete.
+         */
         originator_city: string;
 
+        /**
+         * A description field set by the originator.
+         */
         originator_company_entry_description: string;
 
+        /**
+         * A portion of the originator address. The
+         * [ISO 3166](https://en.wikipedia.org/wiki/ISO_3166-1_alpha-2), Alpha-2 country
+         * code of the originator country.
+         */
         originator_country: string;
 
+        /**
+         * An identifier for the originating company. This is generally stable across
+         * multiple ACH transfers.
+         */
         originator_identification: string;
 
+        /**
+         * Either the name of the originator or an intermediary money transmitter.
+         */
         originator_name: string;
 
+        /**
+         * A portion of the originator address. This may be incomplete.
+         */
         originator_postal_code: string | null;
 
+        /**
+         * A portion of the originator address. This may be incomplete.
+         */
         originator_state_or_province: string | null;
 
+        /**
+         * A portion of the originator address. This may be incomplete.
+         */
         originator_street_address: string;
 
+        /**
+         * A description field set by the originator.
+         */
         payment_related_information: string | null;
 
+        /**
+         * A description field set by the originator.
+         */
         payment_related_information2: string | null;
 
+        /**
+         * A portion of the receiver address. This may be incomplete.
+         */
         receiver_city: string;
 
+        /**
+         * A portion of the receiver address. The
+         * [ISO 3166](https://en.wikipedia.org/wiki/ISO_3166-1_alpha-2), Alpha-2 country
+         * code of the receiver country.
+         */
         receiver_country: string;
 
+        /**
+         * An identification number the originator uses for the receiver.
+         */
         receiver_identification_number: string | null;
 
+        /**
+         * A portion of the receiver address. This may be incomplete.
+         */
         receiver_postal_code: string | null;
 
+        /**
+         * A portion of the receiver address. This may be incomplete.
+         */
         receiver_state_or_province: string | null;
 
+        /**
+         * A portion of the receiver address. This may be incomplete.
+         */
         receiver_street_address: string;
 
+        /**
+         * The name of the receiver of the transfer. This is not verified by Increase.
+         */
         receiving_company_or_individual_name: string;
 
+        /**
+         * The [ISO 3166](https://en.wikipedia.org/wiki/ISO_3166-1_alpha-2), Alpha-2
+         * country code of the receiving bank country.
+         */
         receiving_depository_financial_institution_country: string;
 
+        /**
+         * An identifier for the receiving bank. One of an International Bank Account
+         * Number (IBAN) bank identifier, SWIFT Bank Identification Code (BIC), or a
+         * domestic identifier like a US Routing Number.
+         */
         receiving_depository_financial_institution_id: string;
 
-        receiving_depository_financial_institution_id_qualifier: string;
+        /**
+         * An instruction of how to interpret the
+         * `receiving_depository_financial_institution_id` field for this Transaction.
+         *
+         * - `national_clearing_system_number` - A domestic clearing system number. In the
+         *   US, for example, this is the American Banking Association (ABA) routing
+         *   number.
+         * - `bic_code` - The SWIFT Bank Identifier Code (BIC) of the bank.
+         * - `iban` - An International Bank Account Number.
+         */
+        receiving_depository_financial_institution_id_qualifier:
+          | 'national_clearing_system_number'
+          | 'bic_code'
+          | 'iban';
 
+        /**
+         * The name of the receiving bank, as set by the sending financial institution.
+         */
         receiving_depository_financial_institution_name: string;
 
+        /**
+         * A 15 digit number recorded in the Nacha file and available to both the
+         * originating and receiving bank. Along with the amount, date, and originating
+         * routing number, this can be used to identify the ACH transfer at either bank.
+         * ACH trace numbers are not unique, but are
+         * [used to correlate returns](https://increase.com/documentation/ach#returns).
+         */
         trace_number: string;
       }
 
@@ -3268,7 +3802,7 @@ export namespace ACHTransferSimulation {
         remittance_information: string | null;
 
         /**
-         * The Real-Time Payments network identification of the transfer
+         * The Real-Time Payments network identification of the transfer.
          */
         transaction_identification: string;
       }
@@ -3284,29 +3818,87 @@ export namespace ACHTransferSimulation {
          */
         amount: number;
 
+        /**
+         * A free-form address field set by the sender.
+         */
         beneficiary_address_line1: string | null;
 
+        /**
+         * A free-form address field set by the sender.
+         */
         beneficiary_address_line2: string | null;
 
+        /**
+         * A free-form address field set by the sender.
+         */
         beneficiary_address_line3: string | null;
 
+        /**
+         * A name set by the sender.
+         */
         beneficiary_name: string | null;
 
+        /**
+         * A free-form reference string set by the sender, to help identify the transfer.
+         */
         beneficiary_reference: string | null;
 
+        /**
+         * An Increase-constructed description of the transfer.
+         */
         description: string;
 
+        /**
+         * A unique identifier available to the originating and receiving banks, commonly
+         * abbreviated as IMAD. It is created when the wire is submitted to the Fedwire
+         * service and is helpful when debugging wires with the receiving bank.
+         */
         input_message_accountability_data: string | null;
 
+        /**
+         * The address of the wire originator, set by the sending bank.
+         */
         originator_address_line1: string | null;
 
+        /**
+         * The address of the wire originator, set by the sending bank.
+         */
         originator_address_line2: string | null;
 
+        /**
+         * The address of the wire originator, set by the sending bank.
+         */
         originator_address_line3: string | null;
 
+        /**
+         * The originator of the wire, set by the sending bank.
+         */
         originator_name: string | null;
 
+        /**
+         * An Increase-created concatenation of the Originator-to-Beneficiary lines.
+         */
         originator_to_beneficiary_information: string | null;
+
+        /**
+         * A free-form message set by the wire originator.
+         */
+        originator_to_beneficiary_information_line1: string | null;
+
+        /**
+         * A free-form message set by the wire originator.
+         */
+        originator_to_beneficiary_information_line2: string | null;
+
+        /**
+         * A free-form message set by the wire originator.
+         */
+        originator_to_beneficiary_information_line3: string | null;
+
+        /**
+         * A free-form message set by the wire originator.
+         */
+        originator_to_beneficiary_information_line4: string | null;
       }
 
       /**
@@ -3372,7 +3964,7 @@ export namespace ACHTransferSimulation {
        */
       export interface InboundWireReversal {
         /**
-         * The amount that was reversed.
+         * The amount that was reversed in USD cents.
          */
         amount: number;
 
@@ -3383,7 +3975,7 @@ export namespace ACHTransferSimulation {
         created_at: string;
 
         /**
-         * The description on the reversal message from Fedwire.
+         * The description on the reversal message from Fedwire, set by the reversing bank.
          */
         description: string;
 
@@ -3393,7 +3985,8 @@ export namespace ACHTransferSimulation {
         financial_institution_to_financial_institution_information: string | null;
 
         /**
-         * The Fedwire cycle date for the wire reversal.
+         * The Fedwire cycle date for the wire reversal. The "Fedwire day" begins at 9:00
+         * PM Eastern Time on the evening before the `cycle date`.
          */
         input_cycle_date: string;
 
@@ -3413,7 +4006,8 @@ export namespace ACHTransferSimulation {
         input_source: string;
 
         /**
-         * The Fedwire cycle date for the wire transfer that was reversed.
+         * The Fedwire cycle date for the wire transfer that is being reversed by this
+         * message.
          */
         previous_message_input_cycle_date: string;
 
@@ -3455,41 +4049,90 @@ export namespace ACHTransferSimulation {
        */
       export interface InboundWireTransfer {
         /**
-         * The amount in the minor unit of the transaction's currency. For dollars, for
-         * example, this is cents.
+         * The amount in USD cents.
          */
         amount: number;
 
+        /**
+         * A free-form address field set by the sender.
+         */
         beneficiary_address_line1: string | null;
 
+        /**
+         * A free-form address field set by the sender.
+         */
         beneficiary_address_line2: string | null;
 
+        /**
+         * A free-form address field set by the sender.
+         */
         beneficiary_address_line3: string | null;
 
+        /**
+         * A name set by the sender.
+         */
         beneficiary_name: string | null;
 
+        /**
+         * A free-form reference string set by the sender, to help identify the transfer.
+         */
         beneficiary_reference: string | null;
 
+        /**
+         * An Increase-constructed description of the transfer.
+         */
         description: string;
 
+        /**
+         * A unique identifier available to the originating and receiving banks, commonly
+         * abbreviated as IMAD. It is created when the wire is submitted to the Fedwire
+         * service and is helpful when debugging wires with the originating bank.
+         */
         input_message_accountability_data: string | null;
 
+        /**
+         * The address of the wire originator, set by the sending bank.
+         */
         originator_address_line1: string | null;
 
+        /**
+         * The address of the wire originator, set by the sending bank.
+         */
         originator_address_line2: string | null;
 
+        /**
+         * The address of the wire originator, set by the sending bank.
+         */
         originator_address_line3: string | null;
 
+        /**
+         * The originator of the wire, set by the sending bank.
+         */
         originator_name: string | null;
 
+        /**
+         * An Increase-created concatenation of the Originator-to-Beneficiary lines.
+         */
         originator_to_beneficiary_information: string | null;
 
+        /**
+         * A free-form message set by the wire originator.
+         */
         originator_to_beneficiary_information_line1: string | null;
 
+        /**
+         * A free-form message set by the wire originator.
+         */
         originator_to_beneficiary_information_line2: string | null;
 
+        /**
+         * A free-form message set by the wire originator.
+         */
         originator_to_beneficiary_information_line3: string | null;
 
+        /**
+         * A free-form message set by the wire originator.
+         */
         originator_to_beneficiary_information_line4: string | null;
       }
 
@@ -3558,6 +4201,9 @@ export namespace ACHTransferSimulation {
         currency: 'CAD' | 'CHF' | 'EUR' | 'GBP' | 'JPY' | 'USD';
 
         /**
+         * An Internal Source is a transaction between you and Increase. This describes the
+         * reason for the transaction.
+         *
          * - `account_closure` - Account closure
          * - `bank_migration` - Bank migration
          * - `cashback` - Cashback
@@ -3656,6 +4302,9 @@ export namespace ACHTransferSimulation {
          */
         routing_number: string;
 
+        /**
+         * The identifier of the Wire Transfer that led to this Transaction.
+         */
         transfer_id: string;
       }
 
@@ -3664,6 +4313,9 @@ export namespace ACHTransferSimulation {
        * response if and only if `category` is equal to `wire_transfer_rejection`.
        */
       export interface WireTransferRejection {
+        /**
+         * The identifier of the Wire Transfer that led to this Transaction.
+         */
         transfer_id: string;
       }
     }
@@ -3747,7 +4399,7 @@ export interface ACHTransferReturnParams {
    * - `enr_invalid_individual_name` - Code R45. The individual name field was
    *   invalid.
    * - `returned_per_odfi_request` - Code R06. The originating financial institution
-   *   reversed the transfer.
+   *   asked for this transfer to be returned.
    * - `limited_participation_dfi` - Code R34. The receiving bank's regulatory
    *   supervisor has limited their participation.
    * - `incorrectly_coded_outbound_international_payment` - Code R85. The outbound
@@ -3834,7 +4486,7 @@ export interface ACHTransferReturnParams {
    *   bank disputes that an earlier `duplicate_entry` return was actually a
    *   duplicate.
    * - `return_of_erroneous_or_reversing_debit` - Code R62. A rare return reason. The
-   *   originating bank made a mistake earlier and this return corrects it.
+   *   originating financial institution made a mistake and this return corrects it.
    * - `return_of_improper_credit_entry` - Code R36. A rare return reason. Return of
    *   a malformed credit entry.
    * - `return_of_improper_debit_entry` - Code R35. A rare return reason. Return of a