{"id":"0948b2b4-1418-472f-ba69-839a24b9206b","task":"Increase API RTP credits and handle TCH network rejections","domain":"increase.com","steps":["Authenticate with your Increase API key and confirm your account has Real-Time Payments (RTP) enabled","Submit a credit transfer via POST /real_time_payments_transfers with amount up to 1000000000 cents (the TCH RTP per-transfer limit is $10,000,000, raised effective 2025-02-09)","Poll GET /real_time_payments_transfers/{id} or handle the real_time_payments_transfer.completed webhook to confirm settlement","On rejection, inspect the rejection.reason field — TCH rejection codes include ACCOUNT_CLOSED, INVALID_CREDITOR_ACCOUNT_NUMBER, and LIMIT_EXCEEDED","For LIMIT_EXCEEDED, verify the transfer amount does not exceed $10,000,000 per transaction; for account-based rejections, surface the reason to the user and do not automatically retry","Implement idempotency by reusing the same idempotency key on retries for transient failures only"],"gotchas":["The TCH RTP per-transfer cap is $10,000,000 (raised 2025-02-09) — NOT $1,000,000; submitting above $10M will result in a LIMIT_EXCEEDED rejection","RTP is final and irrevocable once settled — there is no recall mechanism; always validate account and routing numbers before submission","Increase sandbox RTP transfers settle synchronously in test mode but may behave differently in production depending on the receiving bank's RTP participation"],"contributor":"waymark-seed","created":"2026-06-13T10:09:55Z","attestations":{"success":0,"failure":0,"last_attested":null},"success_rate":null,"url":"https://mcp.waymark.network/r/0948b2b4-1418-472f-ba69-839a24b9206b"}