increase 0.572.0 → 0.574.0

package/CHANGELOG.md

@@ -1,5 +1,19 @@
 # Changelog
 
+## [0.574.0](https://github.com/Increase/increase-typescript/compare/v0.573.0...v0.574.0) (2026-06-25)
+
+
+### Features
+
+* **api:** api update ([#1395](https://github.com/Increase/increase-typescript/issues/1395)) ([17a1fca](https://github.com/Increase/increase-typescript/commit/17a1fcaac9337b6065531d338ef1f3a709455175))
+
+## [0.573.0](https://github.com/Increase/increase-typescript/compare/v0.572.0...v0.573.0) (2026-06-23)
+
+
+### Features
+
+* **api:** add UETR field to inbound FedNow transfers ([53535c3](https://github.com/Increase/increase-typescript/commit/53535c371ae61968d514ca558358750fbeb14556))
+
 ## [0.572.0](https://github.com/Increase/increase-typescript/compare/v0.571.0...v0.572.0) (2026-06-22)
 
 

package/package.json

@@ -1,6 +1,6 @@
 {
   "name": "increase",
-  "version": "0.572.0",
+  "version": "0.574.0",
   "description": "The official TypeScript library for the Increase API",
   "author": "Increase <dev-feedback@increase.com>",
   "types": "./index.d.ts",

package/resources/accounts.d.mts

@@ -298,8 +298,9 @@ export interface AccountCreateParams {
      */
     loan?: AccountCreateParams.Loan;
     /**
-     * The identifier for the Program that this Account falls under. Required if you
-     * operate more than one Program.
+     * The identifier for the Program that this Account falls under. Required if your
+     * Group operates more than one Program. List your [Programs](#programs) to find
+     * their identifiers.
      */
     program_id?: string;
     [k: string]: unknown;

package/resources/accounts.d.mts.map

@@ -1 +1 @@
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package/resources/accounts.d.ts

@@ -298,8 +298,9 @@ export interface AccountCreateParams {
      */
     loan?: AccountCreateParams.Loan;
     /**
-     * The identifier for the Program that this Account falls under. Required if you
-     * operate more than one Program.
+     * The identifier for the Program that this Account falls under. Required if your
+     * Group operates more than one Program. List your [Programs](#programs) to find
+     * their identifiers.
      */
     program_id?: string;
     [k: string]: unknown;

package/resources/accounts.d.ts.map

@@ -1 +1 @@
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package/resources/ach-transfers.d.mts

@@ -77,7 +77,7 @@ export interface ACHTransfer {
      */
     account_id: string;
     /**
-     * The destination account number.
+     * The receiver's account number.
      */
     account_number: string;
     /**
@@ -143,8 +143,7 @@ export interface ACHTransfer {
      */
     currency: 'USD';
     /**
-     * The type of entity that owns the account to which the ACH Transfer is being
-     * sent.
+     * The type of entity that owns the receiver's account.
      *
      * - `business` - The External Account is owned by a business.
      * - `individual` - The External Account is owned by an individual.
@@ -156,7 +155,7 @@ export interface ACHTransfer {
      */
     external_account_id: string | null;
     /**
-     * The type of the account to which the transfer will be sent.
+     * The type of the receiver's bank account.
      *
      * - `checking` - A checking account.
      * - `savings` - A savings account.
@@ -176,7 +175,8 @@ export interface ACHTransfer {
      */
     inbound_funds_hold: ACHTransfer.InboundFundsHold | null;
     /**
-     * Your identifier for the transfer recipient.
+     * Your internal identifier for the transfer recipient. This value is informational
+     * and not verified by the recipient's bank.
      */
     individual_id: string | null;
     /**
@@ -212,7 +212,8 @@ export interface ACHTransfer {
      */
     return: ACHTransfer.Return | null;
     /**
-     * The American Bankers' Association (ABA) Routing Transit Number (RTN).
+     * The American Bankers' Association (ABA) Routing Transit Number (RTN) of the
+     * receiver's bank.
      */
     routing_number: string;
     /**
@@ -255,7 +256,9 @@ export interface ACHTransfer {
      * - `requires_attention` - The transfer requires attention from an Increase
      *   operator.
      * - `rejected` - The transfer has been rejected.
-     * - `submitted` - The transfer is complete.
+     * - `submitted` - The transfer has been submitted to the Federal Reserve. When the
+     *   transfer settles, the status remains `submitted` and the `settlement`
+     *   sub-object is populated.
      * - `returned` - The transfer has been returned.
      */
     status: 'pending_approval' | 'pending_transfer_session_confirmation' | 'canceled' | 'pending_submission' | 'pending_reviewing' | 'requires_attention' | 'rejected' | 'submitted' | 'returned';
@@ -588,7 +591,7 @@ export declare namespace ACHTransfer {
          * - `same_day` - The chosen effective date will be the same as the ACH processing
          *   date on which the transfer is submitted. This is necessary, but not sufficient
          *   for the transfer to be settled same-day: it must also be submitted before the
-         *   last same-day cutoff and be less than or equal to $1,000.000.00.
+         *   last same-day cutoff and be less than or equal to $1,000,000.00.
          * - `future_dated` - The chosen effective date will be the business day following
          *   the ACH processing date on which the transfer is submitted. The transfer will
          *   be settled on that future day.
@@ -776,7 +779,8 @@ export declare namespace ACHTransfer {
          */
         transaction_id: string;
         /**
-         * The identifier of the ACH Transfer associated with this return.
+         * The identifier of the ACH Transfer associated with this return. This matches the
+         * original Transaction's `source.ach_transfer_intention.transfer_id`.
          */
         transfer_id: string;
         [k: string]: unknown;
@@ -867,38 +871,46 @@ export interface ACHTransferCreateParams {
      */
     statement_descriptor: string;
     /**
-     * The account number for the destination account.
+     * The receiver's account number. For credit transfers (positive `amount`) this is
+     * the account that funds will be sent to. For debit transfers (negative `amount`)
+     * this is the account that funds will be pulled from.
      */
     account_number?: string;
     /**
-     * Additional information that will be sent to the recipient. This is included in
-     * the transfer data sent to the receiving bank.
+     * Additional information passed through to the receiving bank with the transfer.
+     * Most ACH transfers do not need this. Only set this if your recipient has asked
+     * for addendum data, typically unstructured remittance information. Corporate
+     * Trade Exchange (CTX) flows can carry structured X12 remittance advice instead.
      */
     addenda?: ACHTransferCreateParams.Addenda;
     /**
-     * The description of the date of the transfer, usually in the format `YYMMDD`.
-     * This is included in the transfer data sent to the receiving bank.
+     * A description of the transfer date (typically `YYMMDD`), sent in the company
+     * batch header. This value is informational and does not affect funds movement,
+     * settlement timing, or returns. Only set this if your recipient has asked for it.
      */
     company_descriptive_date?: string;
     /**
-     * The data you choose to associate with the transfer. This is included in the
-     * transfer data sent to the receiving bank.
+     * Custom data sent in the company batch header. This value is informational and
+     * does not affect funds movement, settlement timing, or returns. Most ACH
+     * transfers do not need this. Only set this if your recipient has asked for it.
      */
     company_discretionary_data?: string;
     /**
-     * A description of the transfer, included in the transfer data sent to the
-     * receiving bank. Standardized formatting may be required, for example `PAYROLL`
-     * for payroll-related Prearranged Payments and Deposits (PPD) credit transfers.
+     * A short description sent in the company batch header. Most receivers do not
+     * surface this. Only set this if your recipient has asked for a specific value or
+     * if Nacha mandates one for your Standard Entry Class (SEC) code and use case. For
+     * example, Prearranged Payment and Deposit (PPD) payroll credits must use
+     * `PAYROLL`, and reversals must use `REVERSAL`.
      */
     company_entry_description?: string;
     /**
-     * The name by which the recipient knows you. This is included in the transfer data
-     * sent to the receiving bank.
+     * The name by which the recipient knows you, sent in the company batch header. We
+     * recommend setting this on every transfer; if you do not, we fall back to the ACH
+     * company name configured on your account.
      */
     company_name?: string;
     /**
-     * The type of entity that owns the account to which the ACH Transfer is being
-     * sent.
+     * The type of entity that owns the receiver's account.
      *
      * - `business` - The External Account is owned by a business.
      * - `individual` - The External Account is owned by an individual.
@@ -911,7 +923,7 @@ export interface ACHTransferCreateParams {
      */
     external_account_id?: string;
     /**
-     * The type of the account to which the transfer will be sent.
+     * The type of the receiver's bank account.
      *
      * - `checking` - A checking account.
      * - `savings` - A savings account.
@@ -920,7 +932,8 @@ export interface ACHTransferCreateParams {
      */
     funding?: 'checking' | 'savings' | 'loan' | 'general_ledger';
     /**
-     * Your identifier for the transfer recipient.
+     * Your internal identifier for the transfer recipient. This value is informational
+     * and not verified by the recipient's bank. Most callers can leave this unset.
      */
     individual_id?: string;
     /**
@@ -940,14 +953,15 @@ export interface ACHTransferCreateParams {
      */
     require_approval?: boolean;
     /**
-     * The American Bankers' Association (ABA) Routing Transit Number (RTN) for the
-     * destination account.
+     * The American Bankers' Association (ABA) Routing Transit Number (RTN) of the
+     * receiver's bank.
      */
     routing_number?: string;
     /**
      * The
      * [Standard Entry Class (SEC) code](/documentation/ach-standard-entry-class-codes)
-     * to use for the transfer.
+     * to use for the transfer. If not provided, the default is
+     * `corporate_credit_or_debit`.
      *
      * - `corporate_credit_or_debit` - Corporate Credit and Debit (CCD) is used for
      *   business-to-business payments.
@@ -974,8 +988,10 @@ export interface ACHTransferCreateParams {
 }
 export declare namespace ACHTransferCreateParams {
     /**
-     * Additional information that will be sent to the recipient. This is included in
-     * the transfer data sent to the receiving bank.
+     * Additional information passed through to the receiving bank with the transfer.
+     * Most ACH transfers do not need this. Only set this if your recipient has asked
+     * for addendum data, typically unstructured remittance information. Corporate
+     * Trade Exchange (CTX) flows can carry structured X12 remittance advice instead.
      */
     interface Addenda {
         /**
@@ -1064,7 +1080,7 @@ export declare namespace ACHTransferCreateParams {
          * - `same_day` - The chosen effective date will be the same as the ACH processing
          *   date on which the transfer is submitted. This is necessary, but not sufficient
          *   for the transfer to be settled same-day: it must also be submitted before the
-         *   last same-day cutoff and be less than or equal to $1,000.000.00.
+         *   last same-day cutoff and be less than or equal to $1,000,000.00.
          * - `future_dated` - The chosen effective date will be the business day following
          *   the ACH processing date on which the transfer is submitted. The transfer will
          *   be settled on that future day.

package/resources/ach-transfers.d.mts.map

@@ -1 +1 @@
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package/resources/ach-transfers.d.ts

@@ -77,7 +77,7 @@ export interface ACHTransfer {
      */
     account_id: string;
     /**
-     * The destination account number.
+     * The receiver's account number.
      */
     account_number: string;
     /**
@@ -143,8 +143,7 @@ export interface ACHTransfer {
      */
     currency: 'USD';
     /**
-     * The type of entity that owns the account to which the ACH Transfer is being
-     * sent.
+     * The type of entity that owns the receiver's account.
      *
      * - `business` - The External Account is owned by a business.
      * - `individual` - The External Account is owned by an individual.
@@ -156,7 +155,7 @@ export interface ACHTransfer {
      */
     external_account_id: string | null;
     /**
-     * The type of the account to which the transfer will be sent.
+     * The type of the receiver's bank account.
      *
      * - `checking` - A checking account.
      * - `savings` - A savings account.
@@ -176,7 +175,8 @@ export interface ACHTransfer {
      */
     inbound_funds_hold: ACHTransfer.InboundFundsHold | null;
     /**
-     * Your identifier for the transfer recipient.
+     * Your internal identifier for the transfer recipient. This value is informational
+     * and not verified by the recipient's bank.
      */
     individual_id: string | null;
     /**
@@ -212,7 +212,8 @@ export interface ACHTransfer {
      */
     return: ACHTransfer.Return | null;
     /**
-     * The American Bankers' Association (ABA) Routing Transit Number (RTN).
+     * The American Bankers' Association (ABA) Routing Transit Number (RTN) of the
+     * receiver's bank.
      */
     routing_number: string;
     /**
@@ -255,7 +256,9 @@ export interface ACHTransfer {
      * - `requires_attention` - The transfer requires attention from an Increase
      *   operator.
      * - `rejected` - The transfer has been rejected.
-     * - `submitted` - The transfer is complete.
+     * - `submitted` - The transfer has been submitted to the Federal Reserve. When the
+     *   transfer settles, the status remains `submitted` and the `settlement`
+     *   sub-object is populated.
      * - `returned` - The transfer has been returned.
      */
     status: 'pending_approval' | 'pending_transfer_session_confirmation' | 'canceled' | 'pending_submission' | 'pending_reviewing' | 'requires_attention' | 'rejected' | 'submitted' | 'returned';
@@ -588,7 +591,7 @@ export declare namespace ACHTransfer {
          * - `same_day` - The chosen effective date will be the same as the ACH processing
          *   date on which the transfer is submitted. This is necessary, but not sufficient
          *   for the transfer to be settled same-day: it must also be submitted before the
-         *   last same-day cutoff and be less than or equal to $1,000.000.00.
+         *   last same-day cutoff and be less than or equal to $1,000,000.00.
          * - `future_dated` - The chosen effective date will be the business day following
          *   the ACH processing date on which the transfer is submitted. The transfer will
          *   be settled on that future day.
@@ -776,7 +779,8 @@ export declare namespace ACHTransfer {
          */
         transaction_id: string;
         /**
-         * The identifier of the ACH Transfer associated with this return.
+         * The identifier of the ACH Transfer associated with this return. This matches the
+         * original Transaction's `source.ach_transfer_intention.transfer_id`.
          */
         transfer_id: string;
         [k: string]: unknown;
@@ -867,38 +871,46 @@ export interface ACHTransferCreateParams {
      */
     statement_descriptor: string;
     /**
-     * The account number for the destination account.
+     * The receiver's account number. For credit transfers (positive `amount`) this is
+     * the account that funds will be sent to. For debit transfers (negative `amount`)
+     * this is the account that funds will be pulled from.
      */
     account_number?: string;
     /**
-     * Additional information that will be sent to the recipient. This is included in
-     * the transfer data sent to the receiving bank.
+     * Additional information passed through to the receiving bank with the transfer.
+     * Most ACH transfers do not need this. Only set this if your recipient has asked
+     * for addendum data, typically unstructured remittance information. Corporate
+     * Trade Exchange (CTX) flows can carry structured X12 remittance advice instead.
      */
     addenda?: ACHTransferCreateParams.Addenda;
     /**
-     * The description of the date of the transfer, usually in the format `YYMMDD`.
-     * This is included in the transfer data sent to the receiving bank.
+     * A description of the transfer date (typically `YYMMDD`), sent in the company
+     * batch header. This value is informational and does not affect funds movement,
+     * settlement timing, or returns. Only set this if your recipient has asked for it.
      */
     company_descriptive_date?: string;
     /**
-     * The data you choose to associate with the transfer. This is included in the
-     * transfer data sent to the receiving bank.
+     * Custom data sent in the company batch header. This value is informational and
+     * does not affect funds movement, settlement timing, or returns. Most ACH
+     * transfers do not need this. Only set this if your recipient has asked for it.
      */
     company_discretionary_data?: string;
     /**
-     * A description of the transfer, included in the transfer data sent to the
-     * receiving bank. Standardized formatting may be required, for example `PAYROLL`
-     * for payroll-related Prearranged Payments and Deposits (PPD) credit transfers.
+     * A short description sent in the company batch header. Most receivers do not
+     * surface this. Only set this if your recipient has asked for a specific value or
+     * if Nacha mandates one for your Standard Entry Class (SEC) code and use case. For
+     * example, Prearranged Payment and Deposit (PPD) payroll credits must use
+     * `PAYROLL`, and reversals must use `REVERSAL`.
      */
     company_entry_description?: string;
     /**
-     * The name by which the recipient knows you. This is included in the transfer data
-     * sent to the receiving bank.
+     * The name by which the recipient knows you, sent in the company batch header. We
+     * recommend setting this on every transfer; if you do not, we fall back to the ACH
+     * company name configured on your account.
      */
     company_name?: string;
     /**
-     * The type of entity that owns the account to which the ACH Transfer is being
-     * sent.
+     * The type of entity that owns the receiver's account.
      *
      * - `business` - The External Account is owned by a business.
      * - `individual` - The External Account is owned by an individual.
@@ -911,7 +923,7 @@ export interface ACHTransferCreateParams {
      */
     external_account_id?: string;
     /**
-     * The type of the account to which the transfer will be sent.
+     * The type of the receiver's bank account.
      *
      * - `checking` - A checking account.
      * - `savings` - A savings account.
@@ -920,7 +932,8 @@ export interface ACHTransferCreateParams {
      */
     funding?: 'checking' | 'savings' | 'loan' | 'general_ledger';
     /**
-     * Your identifier for the transfer recipient.
+     * Your internal identifier for the transfer recipient. This value is informational
+     * and not verified by the recipient's bank. Most callers can leave this unset.
      */
     individual_id?: string;
     /**
@@ -940,14 +953,15 @@ export interface ACHTransferCreateParams {
      */
     require_approval?: boolean;
     /**
-     * The American Bankers' Association (ABA) Routing Transit Number (RTN) for the
-     * destination account.
+     * The American Bankers' Association (ABA) Routing Transit Number (RTN) of the
+     * receiver's bank.
      */
     routing_number?: string;
     /**
      * The
      * [Standard Entry Class (SEC) code](/documentation/ach-standard-entry-class-codes)
-     * to use for the transfer.
+     * to use for the transfer. If not provided, the default is
+     * `corporate_credit_or_debit`.
      *
      * - `corporate_credit_or_debit` - Corporate Credit and Debit (CCD) is used for
      *   business-to-business payments.
@@ -974,8 +988,10 @@ export interface ACHTransferCreateParams {
 }
 export declare namespace ACHTransferCreateParams {
     /**
-     * Additional information that will be sent to the recipient. This is included in
-     * the transfer data sent to the receiving bank.
+     * Additional information passed through to the receiving bank with the transfer.
+     * Most ACH transfers do not need this. Only set this if your recipient has asked
+     * for addendum data, typically unstructured remittance information. Corporate
+     * Trade Exchange (CTX) flows can carry structured X12 remittance advice instead.
      */
     interface Addenda {
         /**
@@ -1064,7 +1080,7 @@ export declare namespace ACHTransferCreateParams {
          * - `same_day` - The chosen effective date will be the same as the ACH processing
          *   date on which the transfer is submitted. This is necessary, but not sufficient
          *   for the transfer to be settled same-day: it must also be submitted before the
-         *   last same-day cutoff and be less than or equal to $1,000.000.00.
+         *   last same-day cutoff and be less than or equal to $1,000,000.00.
          * - `future_dated` - The chosen effective date will be the business day following
          *   the ACH processing date on which the transfer is submitted. The transfer will
          *   be settled on that future day.

package/resources/ach-transfers.d.ts.map

@@ -1 +1 @@
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package/resources/beneficial-owners.d.mts

@@ -305,7 +305,8 @@ export declare namespace BeneficialOwnerCreateParams {
              * An identification number that can be used to verify the individual's identity,
              * such as a social security number. For Social Security Numbers and Individual
              * Taxpayer Identification Numbers, submit nine digits with no dashes or other
-             * separators.
+             * separators. When testing in sandbox, use one of our
+             * [sandbox test values](https://increase.com/documentation/sandbox-test-values).
              */
             number: string;
             /**
@@ -478,7 +479,8 @@ export declare namespace BeneficialOwnerUpdateParams {
          * An identification number that can be used to verify the individual's identity,
          * such as a social security number. For Social Security Numbers and Individual
          * Taxpayer Identification Numbers, submit nine digits with no dashes or other
-         * separators.
+         * separators. When testing in sandbox, use one of our
+         * [sandbox test values](https://increase.com/documentation/sandbox-test-values).
          */
         number: string;
         /**