Increase
Increase is a banking and payments API providing direct ACH, wire, RTP, FedNow, check, and card programs. Bank-direct connectivity (no aggregator middle layer).
Limited machine-readable signal and partial portal coverage — documentation a human can read, but little a machine or agent can consume without scraping.
API Evangelist profiles Increase the way a machine reads it — 64 machine-readable artifacts across 56 APIs, pulled from the provider's own public surface and indexed so a developer, an analyst, or an AI agent can evaluate it against every other provider on the network.
Every provider in the network is reduced to the same set of machine-readable artifacts — OpenAPI contracts, event specifications, GraphQL schemas, runnable collections, pricing and rate-limit signals, security posture, OAuth scopes, and the agent surfaces (MCP servers and skills) that let software drive the API on its own. We profile them because the interface is the part of a company you can actually inspect: it is a truer signal of what a provider does than any marketing page. From those artifacts we compute the Kin Score — Increase scores 34.7/100 (thin), with a separate agent-readiness read of 48/100 (agent ready). The full breakdown is below, followed by every artifact we hold — each card links through to its machine-readable definition on apis.io.
Kin Score
This is the API Evangelist rating — a single, repeatable read computed from the artifacts on this page. Green fill is points earned; the red track is points possible, so every bar shows earned-versus-possible at a glance.
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
How we profile Increase
Each block below is one kind of artifact we hold for Increase. For each we say what it is and why it earns a place in the profile, then list every one we've indexed — capped at two rows, scroll within the panel for the rest.
APIs 56
Each API is captured as its own OpenAPI definition — every operation, parameter, and response. This is the single most useful machine-readable description of what an API does, and it's what lets us score, lint, mock, and generate against it without asking the provider for anything.
Individual APIs this provider publishes, each with its own machine-readable definition.
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.
Increase Lockbox Recipients API
Lockbox Recipients represent an inbox at a Lockbox Address. Checks received for a Lockbox Recipient are deposited into its associated Account.
Increase Oauth API
The Oauth API from Increase — 1 operation(s) for oauth.
Increase Oauth Applications API
The Oauth Applications API from Increase — 2 operation(s) for oauth applications.
Increase Oauth Connections API
The Oauth Connections API from Increase — 2 operation(s) for oauth connections.
Increase Pending Transactions API
Pending Transactions are potential future additions and removals of money from your bank account. They impact your available balance, but not your current balance. To learn more...
Increase Physical Card Profiles API
This contains artwork and metadata relating to a Physical Card's appearance. For more information, see our guide on [physical card artwork](https://increase.com/documentation/ca...
Increase Physical Cards API
Custom physical Visa cards that are shipped to your customers. The artwork is configurable by a connected [Card Profile](/documentation/api#card-profiles). The same Card can be ...
Increase Programs API
Programs determine the compliance and commercial terms of Accounts. By default, you have a Commercial Banking program for managing your own funds. If you are lending or managing...
Increase Real Time Decisions API
The Real Time Decisions API from Increase — 2 operation(s) for real time decisions.
Increase Real Time Payments Transfers API
The Real Time Payments Transfers API from Increase — 4 operation(s) for real time payments transfers.
Increase Routing Numbers API
Routing numbers are used to identify your bank in a financial transaction.
Increase Simulations API
The Simulations API from Increase — 48 operation(s) for simulations.
Increase Swift Transfers API
Swift Transfers send funds internationally.
Increase Transactions API
Transactions are the immutable additions and removals of money from your bank account. They're the equivalent of line items on your bank statement. To learn more, see [Transacti...
Increase Wire Drawdown Requests API
Wire drawdown requests enable you to request that someone else send you a wire. Because there is nuance to making sure your counterparty's bank processes these correctly, we ask...
Increase Wire Transfers API
Wire transfers move funds between your Increase account and any other account accessible by Fedwire.
Scroll within the panel for all 56 ·
Open Collections 1
Open, tool-agnostic collections carry the same runnable value as Postman without locking you to one client — the portable, forkable form of the same exercise.
Open, tool-agnostic API collections (OpenAPI-derived and Bruno).
Increase API
OPEN COLLECTIONPricing Plans 1
Pricing is part of the interface. Machine-readable plans tell you what a tier costs and includes before you commit — one of the six things the Kin Score reads for commercial clarity.
Published pricing tiers and plan structures.
Rate Limits 1
Rate limits are the difference between a demo that works and a production integration that doesn't fall over. Publishing them is an operational-transparency signal — and a hard requirement for any agent that plans its own throughput.
Documented rate limits and quota policies.
Increase Rate Limits
RATE LIMITSFinOps 1
Cost, billing, and metering signals let a buyer model the financial operations of an API before it's live. We profile them for the same reason we profile pricing: the money is part of the contract.
Cost, billing, and metering signals for API financial operations.
Increase Finops
FINOPSSecurity Posture 3
Authentication, domain security, vulnerability disclosure, and trust-center signals — the evidence that a provider takes security seriously enough to document it. We profile it because you can't govern what you can't see.
Authentication, domain security, vulnerability disclosure, and trust-center signals.
Agentic Access 1
An x-agentic-access contract marks which operations are safe for an agent to run on its own and which need a human in the loop. It is the difference between an API an agent can use and one it can use safely.
Recommended x-agentic-access execution contracts for AI agents.
Resources
Every other property we hold for Increase — documentation, portals, status pages, policies, and corporate surface — grouped by the job it does, following the integrator's arc from getting started to running in production.
Agent Surfaces 2
MCP servers, agent skills, and machine-readable catalogs
Build 1
SDKs, sample code, and the tooling you integrate with
Access & Security 3
Authentication, authorization, and security posture
Operate 1
Status, limits, changes, and where to get help
Commercial 2
Pricing, plans, and the legal terms of use
Company 3
The organization behind the API
← All providers · Data indexed from github.com/api-evangelist/increase · machine-readable index on apis.io