Increase Fednow Transfers API

openapi: 3.1.0
info:
  description: Anything that you can achieve with PDFs, presence, and persistence in a bank branch you can do with our API. We've always wanted a fully programmatic bank so we built one. Our API faithfully exposes the data and capabilities of the Federal Reserve, Visa, The Clearing House, depository networks, and accounting tools. It's lovingly boring and exceptionally powerful. If you have any questions or want to get started, don't hesitate to ping us at sales@increase.com. We can't wait to see what you build!
  title: Increase Account Numbers Fednow Transfers API
  version: 0.0.1
servers:
- url: https://api.increase.com
- url: https://sandbox.increase.com
security:
- bearerAuth: []
tags:
- name: Fednow Transfers
paths:
  /fednow_transfers:
    get:
      operationId: list_fednow_transfers
      parameters:
      - in: query
        name: cursor
        required: false
        schema:
          description: Return the page of entries after this one.
          type: string
          x-documentation-priority: low
      - in: query
        name: limit
        required: false
        schema:
          description: Limit the size of the list that is returned. The default (and maximum) is 100 objects.
          minimum: 1
          type: integer
          x-documentation-priority: low
      - example: account_in71c4amph0vgo2qllky
        in: query
        name: account_id
        required: false
        schema:
          description: Filter FedNow Transfers to those that originated from the specified Account.
          type: string
          x-documentation-priority: default
          x-id-reference-to: Accounts
      - in: query
        name: external_account_id
        required: false
        schema:
          description: Filter FedNow Transfers to those made to the specified External Account.
          type: string
          x-documentation-priority: default
          x-id-reference-to: External Accounts
      - in: query
        name: idempotency_key
        required: false
        schema:
          description: Filter records to the one with the specified `idempotency_key` you chose for that object. This value is unique across Increase and is used to ensure that a request is only processed once. Learn more about [idempotency](https://increase.com/documentation/idempotency-keys).
          maxLength: 200
          minLength: 1
          type: string
          x-documentation-priority: default
      - in: query
        name: status.in
        required: false
        schema:
          description: Return results whose value is in the provided list. For GET requests, this should be encoded as a comma-delimited string, such as `?in=one,two,three`.
          items:
            enum:
            - pending_reviewing
            - canceled
            - reviewing_rejected
            - requires_attention
            - pending_approval
            - pending_submitting
            - pending_response
            - complete
            - rejected
            type: string
            x-enum-descriptions:
            - The transfer is pending review by Increase.
            - The transfer has been canceled.
            - The transfer has been rejected by Increase.
            - The transfer requires attention from an Increase operator.
            - The transfer is pending approval.
            - The transfer is queued to be submitted to FedNow.
            - The transfer has been submitted and is pending a response from FedNow.
            - The transfer has been sent successfully and is complete.
            - The transfer was rejected by the network or the recipient's bank.
          type: array
          x-documentation-priority: default
        explode: false
      - in: query
        name: created_at.after
        required: false
        schema:
          description: Return results after this [ISO 8601](https://en.wikipedia.org/wiki/ISO_8601) timestamp.
          format: date-time
          type: string
          x-documentation-priority: low
      - in: query
        name: created_at.before
        required: false
        schema:
          description: Return results before this [ISO 8601](https://en.wikipedia.org/wiki/ISO_8601) timestamp.
          format: date-time
          type: string
          x-documentation-priority: low
      - in: query
        name: created_at.on_or_after
        required: false
        schema:
          description: Return results on or after this [ISO 8601](https://en.wikipedia.org/wiki/ISO_8601) timestamp.
          format: date-time
          type: string
          x-documentation-priority: low
      - in: query
        name: created_at.on_or_before
        required: false
        schema:
          description: Return results on or before this [ISO 8601](https://en.wikipedia.org/wiki/ISO_8601) timestamp.
          format: date-time
          type: string
          x-documentation-priority: low
      responses:
        '200':
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/fednow_transfer_list'
          description: FedNow Transfer List
        4XX:
          $ref: '#/components/responses/errorResponse'
        5XX:
          $ref: '#/components/responses/errorResponse'
      summary: List FedNow Transfers
      x-sandbox-only: false
      x-tag: FedNow Transfers
      tags:
      - Fednow Transfers
    post:
      operationId: create_a_fednow_transfer
      parameters: []
      requestBody:
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/create_a_fednow_transfer_parameters'
        required: true
      responses:
        '200':
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/fednow_transfer'
          description: FedNow Transfer
        4XX:
          $ref: '#/components/responses/errorResponse'
        5XX:
          $ref: '#/components/responses/errorResponse'
      summary: Create a FedNow Transfer
      x-sandbox-only: false
      x-tag: FedNow Transfers
      tags:
      - Fednow Transfers
  /fednow_transfers/{fednow_transfer_id}:
    get:
      operationId: retrieve_a_fednow_transfer
      parameters:
      - example: fednow_transfer_4i0mptrdu1mueg1196bg
        in: path
        name: fednow_transfer_id
        required: true
        schema:
          description: The identifier of the FedNow Transfer.
          type: string
          x-documentation-priority: default
          x-id-reference-to: FedNow Transfers
      responses:
        '200':
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/fednow_transfer'
          description: FedNow Transfer
        4XX:
          $ref: '#/components/responses/errorResponse'
        5XX:
          $ref: '#/components/responses/errorResponse'
      summary: Retrieve a FedNow Transfer
      x-sandbox-only: false
      x-tag: FedNow Transfers
      tags:
      - Fednow Transfers
  /fednow_transfers/{fednow_transfer_id}/approve:
    post:
      operationId: approve_a_fednow_transfer
      parameters:
      - example: fednow_transfer_4i0mptrdu1mueg1196bg
        in: path
        name: fednow_transfer_id
        required: true
        schema:
          description: The identifier of the FedNow Transfer to approve.
          type: string
          x-documentation-priority: default
          x-id-reference-to: FedNow Transfers
      responses:
        '200':
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/fednow_transfer'
          description: FedNow Transfer
        4XX:
          $ref: '#/components/responses/errorResponse'
        5XX:
          $ref: '#/components/responses/errorResponse'
      summary: Approve a FedNow Transfer
      x-sandbox-only: false
      x-tag: FedNow Transfers
      tags:
      - Fednow Transfers
  /fednow_transfers/{fednow_transfer_id}/cancel:
    post:
      operationId: cancel_a_pending_fednow_transfer
      parameters:
      - example: fednow_transfer_4i0mptrdu1mueg1196bg
        in: path
        name: fednow_transfer_id
        required: true
        schema:
          description: The identifier of the pending FedNow Transfer to cancel.
          type: string
          x-documentation-priority: default
          x-id-reference-to: FedNow Transfers
      responses:
        '200':
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/fednow_transfer'
          description: FedNow Transfer
        4XX:
          $ref: '#/components/responses/errorResponse'
        5XX:
          $ref: '#/components/responses/errorResponse'
      summary: Cancel a pending FedNow Transfer
      x-sandbox-only: false
      x-tag: FedNow Transfers
      tags:
      - Fednow Transfers
components:
  schemas:
    error:
      anyOf:
      - properties:
          detail:
            anyOf:
            - type: string
            - type: 'null'
          status:
            enum:
            - 404
            type: integer
          title:
            type: string
          type:
            enum:
            - api_method_not_found_error
            type: string
        required:
        - type
        - title
        - detail
        - status
        type: object
        x-event-categories: []
      - properties:
          detail:
            anyOf:
            - type: string
            - type: 'null'
          status:
            enum:
            - 403
            type: integer
          title:
            type: string
          type:
            enum:
            - environment_mismatch_error
            type: string
        required:
        - type
        - title
        - detail
        - status
        type: object
        x-event-categories: []
      - properties:
          detail:
            anyOf:
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            - type: 'null'
          resource_id:
            description: ''
            type: string
            x-documentation-priority: default
          status:
            enum:
            - 409
            type: integer
          title:
            type: string
          type:
            enum:
            - idempotency_key_already_used_error
            type: string
        required:
        - type
        - title
        - detail
        - status
        - resource_id
        type: object
        x-event-categories: []
      - properties:
          detail:
            anyOf:
            - type: string
            - type: 'null'
          status:
            enum:
            - 403
            type: integer
          title:
            type: string
          type:
            enum:
            - insufficient_permissions_error
            type: string
        required:
        - type
        - title
        - detail
        - status
        type: object
        x-event-categories: []
      - properties:
          detail:
            anyOf:
            - type: string
            - type: 'null'
          status:
            enum:
            - 500
            type: integer
          title:
            type: string
          type:
            enum:
            - internal_server_error
            type: string
        required:
        - type
        - title
        - detail
        - status
        type: object
        x-event-categories: []
      - properties:
          detail:
            anyOf:
            - type: string
            - type: 'null'
          reason:
            description: ''
            enum:
            - deleted_credential
            - expired_credential
            - ip_not_allowed
            - no_credential
            - no_header
            - no_api_access
            - wrong_environment
            type: string
            x-documentation-priority: default
            x-enum-descriptions:
            - deleted_credential
            - expired_credential
            - ip_not_allowed
            - no_credential
            - no_header
            - no_api_access
            - wrong_environment
          status:
            enum:
            - 401
            type: integer
          title:
            type: string
          type:
            enum:
            - invalid_api_key_error
            type: string
        required:
        - type
        - title
        - detail
        - status
        - reason
        type: object
        x-event-categories: []
      - properties:
          detail:
            anyOf:
            - type: string
            - type: 'null'
          status:
            enum:
            - 409
            type: integer
          title:
            type: string
          type:
            enum:
            - invalid_operation_error
            type: string
        required:
        - type
        - title
        - detail
        - status
        type: object
        x-event-categories: []
      - properties:
          detail:
            anyOf:
            - type: string
            - type: 'null'
          errors:
            description: All errors related to parsing the request parameters.
            items:
              additionalProperties: true
              properties: {}
              title: ErrorsElement
              type: object
              x-event-categories: []
              x-stainless-empty-object: false
              x-title-plural: ErrorsElements
            type: array
            x-documentation-priority: default
          status:
            enum:
            - 400
            type: integer
          title:
            type: string
          type:
            enum:
            - invalid_parameters_error
            type: string
        required:
        - type
        - title
        - detail
        - status
        - errors
        type: object
        x-event-categories: []
      - properties:
          detail:
            anyOf:
            - type: string
            - type: 'null'
          status:
            enum:
            - 400
            type: integer
          title:
            type: string
          type:
            enum:
            - malformed_request_error
            type: string
        required:
        - type
        - title
        - detail
        - status
        type: object
        x-event-categories: []
      - properties:
          detail:
            anyOf:
            - type: string
            - type: 'null'
          status:
            enum:
            - 404
            type: integer
          title:
            type: string
          type:
            enum:
            - object_not_found_error
            type: string
        required:
        - type
        - title
        - detail
        - status
        type: object
        x-event-categories: []
      - properties:
          detail:
            anyOf:
            - type: string
            - type: 'null'
          status:
            enum:
            - 403
            type: integer
          title:
            type: string
          type:
            enum:
            - private_feature_error
            type: string
        required:
        - type
        - title
        - detail
        - status
        type: object
        x-event-categories: []
      - properties:
          detail:
            anyOf:
            - type: string
            - type: 'null'
          retry_after:
            anyOf:
            - description: ''
              type: integer
              x-documentation-priority: default
            - type: 'null'
          status:
            enum:
            - 429
            type: integer
          title:
            type: string
          type:
            enum:
            - rate_limited_error
            type: string
        required:
        - type
        - title
        - detail
        - status
        type: object
        x-event-categories: []
    fednow_transfer_list:
      additionalProperties: true
      description: A list of FedNow Transfer objects.
      example:
        data:
        - account_id: account_in71c4amph0vgo2qllky
          account_number: '987654321'
          acknowledgement:
            acknowledged_at: '2020-01-31T23:59:59Z'
          amount: 100
          created_at: '2020-01-31T23:59:59Z'
          created_by:
            category: user
            user:
              email: user@example.com
          creditor_address:
            city: New York
            line1: 33 Liberty Street
            postal_code: '10045'
            state: NY
          creditor_name: Ian Crease
          currency: USD
          debtor_name: National Phonograph Company
          external_account_id: null
          id: fednow_transfer_4i0mptrdu1mueg1196bg
          idempotency_key: null
          pending_transaction_id: pending_transaction_k1sfetcau2qbvjbzgju4
          rejection: null
          routing_number: '101050001'
          source_account_number_id: account_number_v18nkfqm6afpsrvy82b2
          status: complete
          submission:
            message_identification: 20250308723260130GT4LAKENDXBHQCZDWS
            submitted_at: '2020-01-31T23:59:59Z'
          transaction_id: transaction_uyrp7fld2ium70oa7oi
          type: fednow_transfer
          unique_end_to_end_transaction_reference: 9a21e10a-7600-4a24-8ff3-2cbc5943c27a
          unstructured_remittance_information: Invoice 29582
        next_cursor: v57w5d
      properties:
        data:
          description: The contents of the list.
          items:
            $ref: '#/components/schemas/fednow_transfer'
          type: array
          x-documentation-priority: default
        next_cursor:
          anyOf:
          - description: A pointer to a place in the list. Pass this as the `cursor` parameter to retrieve the next page of results. If there are no more results, the value will be `null`.
            type: string
            x-documentation-priority: default
          - type: 'null'
      required:
      - data
      - next_cursor
      title: FedNow Transfer List
      type: object
      x-event-categories: []
      x-stainless-empty-object: false
      x-title-plural: FedNow Transfer Lists
    create_a_fednow_transfer_parameters:
      additionalProperties: true
      example:
        account_id: account_in71c4amph0vgo2qllky
        account_number: '987654321'
        amount: 100
        creditor_address:
          city: New York
          line1: 33 Liberty Street
          postal_code: '10045'
          state: NY
        creditor_name: Ian Crease
        debtor_name: National Phonograph Company
        routing_number: '101050001'
        source_account_number_id: account_number_v18nkfqm6afpsrvy82b2
        unstructured_remittance_information: Invoice 29582
      properties:
        account_number:
          description: The creditor's account number.
          maxLength: 34
          minLength: 1
          pattern: ^[0-9]*$
          type: string
          x-documentation-priority: default
        amount:
          description: The amount, in minor units, to send to the creditor.
          minimum: 1
          type: integer
          x-documentation-priority: default
        creditor_address:
          additionalProperties: false
          description: The creditor's address.
          properties:
            city:
              description: The city, district, town, or village of the address.
              maxLength: 35
              minLength: 1
              type: string
              x-documentation-priority: default
            line1:
              description: The first line of the address. This is usually the street number and street.
              maxLength: 70
              minLength: 1
              type: string
              x-documentation-priority: default
            postal_code:
              description: The postal code component of the address.
              maxLength: 10
              minLength: 1
              pattern: ^[0-9]{5}(?:-?[0-9]{4})?$
              type: string
              x-documentation-priority: default
            state:
              description: The US state component of the address.
              maxLength: 2
              minLength: 2
              type: string
              x-documentation-priority: default
          required:
          - city
          - state
          - postal_code
          type: object
          x-documentation-priority: default
          x-event-categories: []
          x-stainless-empty-object: false
        creditor_name:
          description: The creditor's name.
          maxLength: 140
          minLength: 1
          pattern: ^[\ !"\#\$%&'\(\)\*\+,\-\./0123456789:;<=>\?@ABCDEFGHIJKLMNOPQRSTUVWXYZ\[\\\]\^_`abcdefghijklmnopqrstuüvwxyýz\{\|\}~ÀÁÂÃÄÅÆÇÈÉÊËÌÍÎÏÐÑÒÓÔÕÖ×ØÙÚÛÜÝÞßàáâãäåæçèéêëìíîïðñòó÷øùúûþÿ]*$
          type: string
          x-documentation-priority: default
        debtor_address:
          additionalProperties: false
          description: The debtor's address.
          properties:
            city:
              description: The city, district, town, or village of the address.
              maxLength: 35
              minLength: 1
              type: string
              x-documentation-priority: default
            line1:
              description: The first line of the address. This is usually the street number and street.
              maxLength: 70
              minLength: 1
              type: string
              x-documentation-priority: default
            postal_code:
              description: The postal code component of the address.
              maxLength: 10
              minLength: 1
              pattern: ^[0-9]{5}(?:-?[0-9]{4})?$
              type: string
              x-documentation-priority: default
            state:
              description: The US state component of the address.
              maxLength: 2
              minLength: 2
              type: string
              x-documentation-priority: default
          required:
          - city
          - state
          - postal_code
          type: object
          x-documentation-priority: default
          x-event-categories: []
          x-stainless-empty-object: false
        debtor_name:
          description: The debtor's name.
          maxLength: 140
          minLength: 1
          pattern: ^[\ !"\#\$%&'\(\)\*\+,\-\./0123456789:;<=>\?@ABCDEFGHIJKLMNOPQRSTUVWXYZ\[\\\]\^_`abcdefghijklmnopqrstuüvwxyýz\{\|\}~ÀÁÂÃÄÅÆÇÈÉÊËÌÍÎÏÐÑÒÓÔÕÖ×ØÙÚÛÜÝÞßàáâãäåæçèéêëìíîïðñòó÷øùúûþÿ]*$
          type: string
          x-documentation-priority: default
        external_account_id:
          description: The ID of an External Account to initiate a transfer to. If this parameter is provided, `account_number` and `routing_number` must be absent.
          type: string
          x-documentation-priority: default
          x-id-reference-to: External Accounts
        require_approval:
          description: Whether the transfer requires explicit approval via the dashboard or API.
          type: boolean
          x-documentation-priority: default
        routing_number:
          description: The creditor's bank account routing number.
          maxLength: 9
          minLength: 9
          pattern: ^[0-9]*$
          type: string
          x-documentation-priority: default
        source_account_number_id:
          description: The Account Number to include in the transfer as the debtor's account number.
          type: string
          x-documentation-priority: default
          x-id-reference-to: Account Numbers
        unstructured_remittance_information:
          description: Unstructured remittance information to include in the transfer.
          maxLength: 140
          minLength: 1
          pattern: ^[\ !"\#\$%&'\(\)\*\+,\-\./0123456789:;<=>\?@ABCDEFGHIJKLMNOPQRSTUVWXYZ\[\\\]\^_`abcdefghijklmnopqrstuüvwxyýz\{\|\}~ÀÁÂÃÄÅÆÇÈÉÊËÌÍÎÏÐÑÒÓÔÕÖ×ØÙÚÛÜÝÞßàáâãäåæçèéêëìíîïðñòó÷øùúûþÿ]*$
          type: string
          x-documentation-priority: default
      required:
      - source_account_number_id
      - amount
      - unstructured_remittance_information
      - creditor_name
      - debtor_name
      type: object
      x-event-categories: []
      x-stainless-empty-object: false
    fednow_transfer:
      additionalProperties: false
      description: FedNow transfers move funds, within seconds, between your Increase account and any other account supporting FedNow.
      example:
        account_id: account_in71c4amph0vgo2qllky
        account_number: '987654321'
        acknowledgement:
          acknowledged_at: '2020-01-31T23:59:59Z'
        amount: 100
        created_at: '2020-01-31T23:59:59Z'
        created_by:
          category: user
          user:
            email: user@example.com
        creditor_address:
          city: New York
          line1: 33 Liberty Street
          postal_code: '10045'
          state: NY
        creditor_name: Ian Crease
        currency: USD
        debtor_name: National Phonograph Company
        external_account_id: null
        id: fednow_transfer_4i0mptrdu1mueg1196bg
        idempotency_key: null
        pending_transaction_id: pending_transaction_k1sfetcau2qbvjbzgju4
        rejection: null
        routing_number: '101050001'
        source_account_number_id: account_number_v18nkfqm6afpsrvy82b2
        status: complete
        submission:
          message_identification: 20250308723260130GT4LAKENDXBHQCZDWS
          submitted_at: '2020-01-31T23:59:59Z'
        transaction_id: transaction_uyrp7fld2ium70oa7oi
        type: fednow_transfer
        unique_end_to_end_transaction_reference: 9a21e10a-7600-4a24-8ff3-2cbc5943c27a
        unstructured_remittance_information: Invoice 29582
      properties:
        account_id:
          description: The Account from which the transfer was sent.
          type: string
          x-documentation-priority: default
          x-id-reference-to: Accounts
        account_number:
          description: The destination account number.
          type: string
          x-documentation-priority: default
        acknowledgement:
          anyOf:
          - additionalProperties: false
            description: If the transfer is acknowledged by the recipient bank, this will contain supplemental details.
            example:
              acknowledged_at: '2020-01-31T23:59:59Z'
            properties:
              acknowledged_at:
                description: When the transfer was acknowledged.
                format: date-time
                type: string
                x-documentation-priority: default
            required:
            - acknowledged_at
            title: FedNow Transfer FedNow Transfer Acknowledgement
            type: object
            x-documentation-priority: default
            x-event-categories: []
            x-stainless-empty-object: false
            x-title-plural: FedNow Transfer Acknowledgements
          - type: 'null'
        amount:
          description: The transfer amount in USD cents.
          type: integer
          x-documentation-priority: default
        created_at:
          description: The [ISO 8601](https://en.wikipedia.org/wiki/ISO_8601) date and time at which the transfer was created.
          format: date-time
          type: string
          x-documentation-priority: default
        created_by:
          anyOf:
          - additionalProperties: false
            description: What object created the transfer, either via the API or the dashboard.
            example:
              category: user
              user:
                email: user@example.com
            properties:
              api_key:
                anyOf:
                - additionalProperties: false
                  description: If present, details about the API key that created the transfer.
                  properties:
                    description:
                      anyOf:
                      - description: The description set for the API key when it was created.
                        type: string
                        x-documentation-priority: default
                      - type: 'null'
                  required:
                  - description
                  title: FedNow Transfer Transfer Creator ApiKey
                  type: object
                  x-documentation-priority: default
                  x-event-categories: []
                  x-stainless-empty-object: false
                  x-title-plural: ApiKeys
                - type: 'null'
              category:
                description: The type of object that created this transfer.
                enum:
                - api_key
                - oauth_application
                - user
                type: string
                x-documentation-priority: default
                x-enum-descriptions:
                - An API key. Details will be under the `api_key` object.
                - An OAuth application you connected to Increase. Details will be under the `oauth_application` object.
                - A User in the Increase dashboard. Details will be under the `user` object.
              oauth_application:
                anyOf:
                - additionalProperties: false
                  description: If present, details about the OAuth Application that created the transfer.
                  properties:
                    name:
                      description: The name of the OAuth Application.
                      type: string
                      x-documentation-priority: default
                  required:
                  - name
                  title: FedNow Transfer Transfer Creator OAuthApplication
                  type: object
                  x-documentation-priority: default
                  x-event-categories: []
                  x-stainless-empty-object: false
                  x-title-plural: OAuthApplications
                - type: 'null'
              user:
                anyOf:
                - additionalProperties: false
                  description: If present, details about the User that created the transfer.
                  properties:
                    email:
                      description: The email address of the User.
                      type: string
                      x-documentation-priority: default
                  required:
                  - email
                  title: FedNow Transfer Transfer Creator User
                  type: object
                  x-documentation-priority: default
                  x-event-categories: []
                  x-stainless-empty-object: false
                  x-title-plural: Users
                - type: 'null'
            required:
            - category
            title: FedNow Transfer Transfer Creator
            type: object
            x-documentation-priority: default
            x-event-categories: []
            x-stainless-empty-object: false
            x-title-plural: Transfer Creators
          - type: 'null'
        creditor_address:
          anyOf:
          - additionalProperties: false
            description: The creditor's address.
            properties:
              city:
                anyOf:
                - description: The city, district, town, or village of the address.
                  type: string
                  x-documentation-priority: default
                - type: 'null'
              line1:
                anyOf:
                - description: The first line of the address.
                  type: string
                  x-documentation-priority: default
                - type: 'null'
              postal_code:
                anyOf:
                - description: The ZIP code of the address.
                  type: string
                  x-documentation-priority: default
                - type: 'null'
              state:
                anyOf:
                - description: The address state.
                  type: string
                  x-documentation-priority: default
                - type: 'null'
            required:
            - line1
            - city
            - state
            - postal_code
            title: FedNow Transfer Address
            type: object
            x-documentation-priority: default
            x-event-categories: []
            x-stainless-empty-object: false
            x-title-plural: Addresses
          - type: 'null'
        creditor_name:
          description: The name of the transfer's recipient. This is set by the sender when creating the transf

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