# Increase **Canonical:** https://apis.io/providers/increase/ **Website:** https://increase.com/ **APIs profiled:** 56 Increase is a banking and payments API providing direct ACH, wire, RTP, FedNow, check, and card programs. Bank-direct connectivity (no aggregator middle layer). ## Kin Score — 39.7 / 100 (developing) Scored 2026-08-25 under rubric 0.14.0. Trend: flat (+0.0 from 39.7). | Facet | Score | |---|---| | Discoverability | 66.7 | | Contract Quality | 53.1 | | Governance | 0.0 | | Contract Governance | 0.0 | | Operational Transparency | 34.2 | | Developer Ergonomics | 28.6 | | Commercial Clarity | 42.1 | | Access Clarity | 42.1 | Regulatory layer — **Banking & Open Finance**: 39.2 (matched via tags). ## Agent readiness — 33.5 (agent-ready) | Dimension | Value | |---|---| | Spec Presence | yes | | Agentic Access | derived | | Reversibility Documented | verified | | MCP Server | no | | Auth Clarity | bearer | | Idempotency | no | | Error Semantics | no | | OpenAPI Examples | verified | | Rate Limit Signal | documented | | Event Surface Described | yes | | Agent Skills | no | | Well Known Catalog | no | | Consent Identity | no | | Agent Card | no | | Dry Run Mode | no | | Delegated Identity | no | | Protected Resource Metadata | no | | Dynamic Client Registration | no | | Agentic Commerce | no | ## Access Self-serve signup — onboarding: self-serve, pricing: unknown, trial: no (confidence: high). ## APIs (56) - **Increase Account Numbers API** — Each account can have multiple account and routing numbers. We recommend that you use a set per vendor. This is similar to how you use different passwords for different websites... - **Increase Account Statements API** — Account Statements are generated monthly for every active Account. You can access the statement's data via the API or retrieve a PDF with its details via its associated File. - **Increase Account Transfers API** — Account transfers move funds between your own accounts at Increase (accounting systems often refer to these as Book Transfers). Account Transfers are free and synchronous. Upon ... - **Increase Accounts API** — Accounts are your bank accounts with Increase. They store money, receive transfers, and send payments. They earn interest and have depository insurance. - **Increase Ach Prenotifications API** — The Ach Prenotifications API from Increase — 2 operation(s) for ach prenotifications. - **Increase Ach Transfers API** — The Ach Transfers API from Increase — 4 operation(s) for ach transfers. - **Increase Card Disputes API** — If unauthorized activity occurs on a card, you can create a Card Dispute and we'll work with the card networks to return the funds if appropriate. - **Increase Card Payments API** — Card Payments group together interactions related to a single card payment, such as an authorization and its corresponding settlement. - **Increase Card Purchase Supplements API** — Additional information about a card purchase (e.g., settlement or refund), such as level 3 line item data. - **Increase Card Push Transfers API** — Card Push Transfers send funds to a recipient's payment card in real-time. - **Increase Card Tokens API** — Card Tokens represent a tokenized card number that can be used for Card Push Transfers and Card Validations. - **Increase Card Validations API** — Card Validations are used to validate a card and its cardholder before sending funds to or pulling funds from a card. - **Increase Cards API** — Cards may operate on credit, debit, or prepaid BINs. They’ll immediately work for online purchases after you create them. All cards work on a good funds model, and maintain a ma... - **Increase Check Deposits API** — Check Deposits allow you to deposit images of paper checks into your account. - **Increase Check Transfers API** — Check Transfers move funds from your Increase account by mailing a physical check. - **Increase Declined Transactions API** — Declined Transactions are refused additions and removals of money from your bank account. For example, Declined Transactions are caused when your Account has an insufficient bal... - **Increase Digital Card Profiles API** — This contains artwork and metadata relating to a Card's appearance in digital wallet apps like Apple Pay and Google Pay. For more information, see our guide on [digital card art... - **Increase Digital Wallet Tokens API** — A Digital Wallet Token is created when a user adds a Card to their Apple Pay or Google Pay app. The Digital Wallet Token can be used for purchases just like a Card. - **Increase Entities API** — Entities are the legal entities that own accounts. They can be people, corporations, partnerships, government authorities, or trusts. To learn more, see [Entities](/documentatio... - **Increase Entity Beneficial Owners API** — The Entity Beneficial Owners API from Increase — 3 operation(s) for entity beneficial owners. - **Increase Entity Onboarding Sessions API** — Entity Onboarding Sessions let your customers onboard themselves by completing Increase-hosted forms. Create a session and redirect your customer to the returned URL. When they'... - **Increase Entity Supplemental Documents API** — The Entity Supplemental Documents API from Increase — 1 operation(s) for entity supplemental documents. - **Increase Event Subscriptions API** — Webhooks are event notifications we send to you by HTTPS POST requests. Event Subscriptions are how you configure your application to listen for them. You can create an Event Su... - **Increase Events API** — Events are records of things that happened to objects at Increase. Events are accessible via the List Events endpoint and can be delivered to your application via webhooks. For ... - **Increase Exports API** — Exports are generated files. Some exports can contain a lot of data, like a CSV of your transactions. Others can be a single document, like a tax form. Since they can take a whi... - **Increase External Accounts API** — External Accounts represent accounts at financial institutions other than Increase. You can use this API to store their details for reuse. - **Increase Fednow Transfers API** — The Fednow Transfers API from Increase — 4 operation(s) for fednow transfers. - **Increase File Links API** — File Links let you generate a URL that can be used to download a File. - **Increase Files API** — Files are objects that represent a file hosted on Increase's servers. The file may have been uploaded by you (for example, when uploading a check image) or it may have been crea... - **Increase Groups API** — Groups represent organizations using Increase. You can retrieve information about your own organization via the API. More commonly, OAuth platforms can retrieve information abou... - **Increase Inbound Ach Transfers API** — The Inbound Ach Transfers API from Increase — 5 operation(s) for inbound ach transfers. - **Increase Inbound Check Deposits API** — Inbound Check Deposits are records of third-parties attempting to deposit checks against your account. - **Increase Inbound Fednow Transfers API** — The Inbound Fednow Transfers API from Increase — 2 operation(s) for inbound fednow transfers. - **Increase Inbound Mail Items API** — Inbound Mail Items represent pieces of physical mail delivered to a Lockbox Address. - **Increase Inbound Real Time Payments Transfers API** — The Inbound Real Time Payments Transfers API from Increase — 2 operation(s) for inbound real time payments transfers. - **Increase Inbound Wire Drawdown Requests API** — Inbound wire drawdown requests are requests from someone else to send them a wire. For more information, see our [Wire Drawdown Requests documentation](/documentation/wire-drawd... - **Increase Inbound Wire Transfers API** — An Inbound Wire Transfer is a wire transfer initiated outside of Increase to your account. - **Increase Intrafi Account Enrollments API** — The Intrafi Account Enrollments API from Increase — 3 operation(s) for intrafi account enrollments. - **Increase Intrafi Exclusions API** — The Intrafi Exclusions API from Increase — 3 operation(s) for intrafi exclusions. - **Increase Lockbox Addresses API** — Lockbox Addresses are physical locations that can receive mail containing paper checks. - …and 16 more, listed in full on the page. ## Agentic access (1) - **Increase Agentic Access** — 238 operations · 132 acting · 1 human-in-the-loop ## Security (3) - **Increase Authentication** — http · 1 scheme - **Increase Domain Security** — TLSv1.3 · HSTS · DNSSEC · DMARC - **Increase Vulnerability Disclosure** — security.txt · contact published ## Plans (1) - **Increase Plans Pricing** ## Tags Fintech, Banking, Payments, ACH, Wires --- Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/increase/). Scores are computed from the provider's own public artifacts under a published rubric.