create an account and originate an ACH transfer with the Increase API

Steps

1. Authenticate all requests using your API key in the Authorization header as a Bearer token; use sandbox API keys (prefixed differently) during development.
2. Create an Account by POSTing to /accounts with a name field; the response returns an account object with a unique id, routing number, and account number.
3. To pull or push funds via ACH, create an ACH Transfer by POSTing to /ach_transfers with the account_id, amount (in cents), routing_number, account_number, account_type (checking or savings), statement_descriptor, and direction (credit or debit).
4. Review the returned ach_transfer object; in sandbox, use the Increase sandbox simulation endpoint to move the transfer to a completed or returned state for testing.
5. Subscribe to webhooks by creating a webhook subscription via POST /webhooks so that your server receives ach_transfer.created, ach_transfer.submitted, ach_transfer.returned, and other lifecycle events.
6. Handle return events by inspecting the return_reason code on the returned transfer object and decide whether to retry or contact the customer.