# increase.com

> AI-optimized mirror of increase.com containing 50 pages totalling 60,595 words of clean markdown content, structured data, and semantic HTML. Original source: https://increase.com. Last updated: 2026-09-02T02:52:55.659Z.

Each page is available as HTML (with JSON-LD structured data) and Markdown (text-only, ideal for LLMs and RAG).

## Homepage

- [Banking for ambitious technology companies — Increase](/content/site-root.html): Banking for ambitious technology companies. Build great financial products with an API-first bank. (443 words)

## Articles & Blog Posts

- [ISO 8583: The language of credit cards — Increase](/content/articles/iso-8583-the-language-of-credit-cards/index.html): Discover the inner workings of ISO 8583, the global standard for credit card transaction messaging. Learn how it powers payment processing across networks and explore its structure, fields, and real-world applications. (3,865 words)
- [ACH returns — Increase](/content/documentation/ach-returns/index.html): Learn more about ACH returns, when you can reinitiate returned transfers, and view a comprehensive list of return reason codes. (2,300 words)
- [Bookkeeping Accounts — Increase](/content/documentation/api/bookkeeping-accounts/index.html): Modern bank infrastructure that enables technology companies to programmatically store, move, and reconcile money. (1,588 words)
- [Bookkeeping Entry Sets — Increase](/content/documentation/api/bookkeeping-entry-sets/index.html): Modern bank infrastructure that enables technology companies to programmatically store, move, and reconcile money. (1,587 words)
- [Address Verification System codes and overrides — Increase](/content/documentation/address-verification-system-codes-and-overrides/index.html): Explains Increase’s default Address Verification System (AVS) code determination logic, how address matching is performed, how Visa has simplified AVS codes, and how customer-provided AVS match/no match overrides interact with network-provided data. (1,304 words)
- [Seeing like a network: the merchant category code — Increase](/content/articles/seeing-like-a-network/index.html): The merchant category code is a 50-year-old lookup table that modern spend controls still depend on. This post explains how it works, where it leaks, and what replaces it. (1,473 words)
- [API Reference — Increase](/content/documentation/api/index.html): Modern bank infrastructure that enables technology companies to programmatically store, move, and reconcile money. (810 words)
- [Security at Increase — Increase](/content/security/index.html): Building financial products requires the highest level of trust. Learn more about Increase’s security policies and procedures. (211 words)
- [ACH Prenotifications — Increase](/content/documentation/api/ach-prenotifications/index.html): Modern bank infrastructure that enables technology companies to programmatically store, move, and reconcile money. (498 words)
- [Blockchain On-Ramp Transfers — Increase](/content/documentation/api/blockchain-on-ramp-transfers/index.html): Modern bank infrastructure that enables technology companies to programmatically store, move, and reconcile money. (131 words)
- [Accounting — Increase](/content/documentation/accounting/index.html): A guide to implementing accounting for commingled accounts held by For Benefit Of (FBO) account users. (1,361 words)
- [Blockchain Addresses — Increase](/content/documentation/api/blockchain-addresses/index.html): Modern bank infrastructure that enables technology companies to programmatically store, move, and reconcile money. (116 words)
- [Standard Entry Class codes — Increase](/content/documentation/ach-standard-entry-class-codes/index.html): View a glossary of every Standard Entry Class (SEC) code, a required field used to classify ACH transfers by their purpose or intended use. (1,094 words)
- [3D Secure — Increase](/content/documentation/3d-secure/index.html): 3D Secure (3DS) is a protocol that lets you authenticate cardholders before a payment is authorized. Increase supports 3DS with real-time decisions for authentication and challenge delivery, plus sandbox simulations for testing. (793 words)
- [Account Statements — Increase](/content/documentation/api/account-statements/index.html): Modern bank infrastructure that enables technology companies to programmatically store, move, and reconcile money. (370 words)
- [How depository placement networks provide extended FDIC coverage — Increase](/content/articles/how-depository-placement-networks-provide-extended-fdic-coverage.html): Increase and our bank partners now offer access to FDIC coverage on deposits of more than $250,000. Deposit placement networks are a fascinating topic. Let's dive into why this feature exists and how it works. (1,097 words)
- [No Abstractions: an Increase API design principle — Increase](/content/articles/no-abstractions/index.html): This post explains one of the core design principle of Increase’s API, dubbed No Abstractions, which we’ve found useful as our product and company scale. (1,001 words)
- [Check partners with Increase to enable reliable, transparent payroll solutions — Increase](/content/customers/check/index.html): Discover how Check powers dependable, scalable payroll by gaining real-time visibility and operational control through Increase’s banking infrastructure. (758 words)
- [How Ascend facilitates payments and automates insurance AR/AP workflows with Increase — Increase](/content/customers/ascend/index.html): See how Ascend streamlined insurance payments for its customers, improved their cash flow, and scaled to $1B+ in premiums using Increase’s embedded banking tools. (838 words)
- [Vantaca partners with Increase to launch its Vendor Pay solution — Increase](/content/customers/vantaca/index.html): See how Vantaca built Vantaca Vendor on Increase, replacing a fragmented stack of payments tools with a single integration to power a connected workflow from invoice to payment. (909 words)
- [How Ramp scaled a successful bill pay product with Increase — Increase](/content/customers/ramp/index.html): Ramp partnered with Increase to build their Bill Pay product through direct integrations with the Federal Reserve, programmatic account creations, and in depth settlement tracking. (497 words)
- [Compliance as code — Increase](/content/articles/compliance-as-code/index.html): Explore how Increase integrates regulatory and compliance requirements directly into their codebase, creating a unified source of truth that ensures continuous compliance and streamlines audits. (1,049 words)
- [Increase: a modernized banking core — Increase](/content/articles/modernized-banking-core/index.html): This post explains how Increase operates as a parallel core for our bank partners and exposes the functionality of the underlying depository rails via powerful APIs. (891 words)
- [Ramp launches Ramp Treasury, powered by Increase — Increase](/content/customers/ramp-treasury/index.html): Learn how Increase's robust infrastructure powers Ramp Treasury, enabling seamless account creation and lightning-fast money movement for rapidly scaling businesses. (655 words)
- [How CapitalOS built their spend management platform on Increase — Increase](/content/customers/capitalos/index.html): CapitalOS partnered with Increase to build their spend management platform with direct integrations with Visa, customized digital and physical cards, and access to authorization flows. (765 words)
- [Accounts and Account Numbers — Increase](/content/documentation/accounts-and-account-numbers/index.html): Increase's core enables banks to separate the concept of an Account from an Account Number. This allows for a many-to-one mapping, providing much greater flexibility for new use cases. (506 words)
- [Blockchain Off-Ramp Transfers — Increase](/content/documentation/api/blockchain-off-ramp-transfers/index.html): Modern bank infrastructure that enables technology companies to programmatically store, move, and reconcile money. (1,675 words)
- [How we work — Increase](/content/articles/how-we-work/index.html): How Increase built a scalable culture. (558 words)
- [Cash reconciliation: Aligning transaction activity with the Federal Reserve's data — Increase](/content/articles/cash-reconciliation/index.html): Learn how Increase reconciles its systems with the Federal Reserve's Financial Institution Reconcilement Data, matching expected transactions to actual cash movements. (897 words)
- [Daffodil: Fintech for Philanthropy, Built on Trust — Increase](/content/customers/daffodil/index.html): Increase is the infrastructure behind Daffodil, a philanthropy that connects high-net-worth donors to vetted charities through an intelligent, automated giving platform. (466 words)
- [Lending, fast and slow — Increase](/content/articles/lending-fast-and-slow/index.html): How vertical software platforms are positioned to bridge the gap between fast working capital and slow expansion loans. (764 words)
- [Embedding financial services in vertical software — Increase](/content/articles/vertical-saas/index.html): This post explains how embedding financial services in industry-specialized software is good for customers, good for software companies, and good for banks. (602 words)
- [ACH reversals — Increase](/content/documentation/ach-reversals/index.html): Learn more about ACH reversals, when they're allowed, and how you can initiate them. (206 words)
- [Support that doesn’t scale: what it’s like to work with Increase — Increase](/content/articles/support-that-doesnt-scale/index.html): At Increase, the engineers who build the system also support it. This post explains why we skip the traditional support team, and what that means for the customers working with us. (606 words)
- [Why Increase builds directly to the underlying financial networks — Increase](/content/articles/why-increase-builds-directly-to-the-underlying-financial-networks.html): This article outlines how our direct-to-rail connections work, and why they matter. (628 words)
- [Accounts — Increase](/content/documentation/api/accounts/index.html): Modern bank infrastructure that enables technology companies to programmatically store, move, and reconcile money. (7,455 words)
- [ACH Transfers — Increase](/content/documentation/api/ach-transfers/index.html): Modern bank infrastructure that enables technology companies to programmatically store, move, and reconcile money. (7,948 words)
- [Automated invariant monitoring — Increase](/content/articles/automated-invariant-monitoring/index.html): Increase has developed an automated invariant monitoring system which tracks database conditions in real-time, helping identify issues early and maintain system reliability. Learn how the system works. (641 words)
- [Account Numbers — Increase](/content/documentation/api/account-numbers/index.html): Modern bank infrastructure that enables technology companies to programmatically store, move, and reconcile money. (3,929 words)
- [Why we’re still talking about paper checks in 2026 — Increase](/content/articles/check-updates/index.html): This post explains the latest features and improvements to Check, including Check Lockboxes, Check 21, and Check Transfers. (676 words)
- [Account Transfers — Increase](/content/documentation/api/account-transfers/index.html): Modern bank infrastructure that enables technology companies to programmatically store, move, and reconcile money. (4,434 words)
- [Agentic commerce — the Increase perspective — Increase](/content/articles/agentic-commerce/index.html): This post explains how embedding financial services in industry-specialized software is good for customers, good for software companies, and good for banks. (582 words)
- [Announcing Lockboxes: Programmatically deposit checks with your own virtual mailbox — Increase](/content/articles/announcing-check-lockboxes/index.html): Lockboxes are the latest addition to our suite of check features. You can create unlimited mailing addresses and whenever a check is mailed to that address, we'll create a Check Deposit and add the funds to your account. (440 words)
- [Announcing Increase Bank — Increase](/content/articles/announcing-increase-bank/index.html): Increase Bank is the bank for ambitious technology companies. We built our own API-first core technology from scratch. (508 words)
- [Increase Bank: The bank engineered for builders — Increase](/content/bank/index.html): The bank engineered for builders. API-first for flexibility, reliability, and transparency. Move fast and scale financial products with confidence. (51 words)
- [Customers — Increase](/content/customers/index.html): See how leading technology companies build payments and banking products on Increase. (66 words)
- [Documentation — Increase](/content/documentation/index.html): Modern bank infrastructure that enables technology companies to programmatically store, move, and reconcile money. (74 words)
- [Increase named to the 2026 Forbes Fintech 50 — Increase](/content/articles/forbes-fintech-50-2026/index.html): We're honored that Forbes named Increase to its annual Fintech 50 list for the second year in a row. (261 words)
- [Fees — Increase](/content/fees/index.html): View Increase's pricing and fee information, including processing fees and interest rates. Contact us for custom pricing. (218 words)

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