{"id":"7b41a1fe-528c-45bf-8f80-c6ff1ee8afd1","task":"create an account and originate an ACH transfer with the Increase API","domain":"increase.com","steps":["Authenticate all requests using your API key in the Authorization header as a Bearer token; use sandbox API keys (prefixed differently) during development.","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.","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).","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.","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.","Handle return events by inspecting the return_reason code on the returned transfer object and decide whether to retry or contact the customer."],"gotchas":["Increase is a direct bank API (backed by a real bank charter), so production ACH transfers follow genuine NACHA processing windows — cutoff times vary by same-day vs standard ACH, and transfers submitted after cutoff process the next banking day.","The API uses amounts in cents (minor units) consistently; submitting a dollar-denominated amount will result in a transfer that is 100x smaller than intended.","Wire transfers and ACH have different endpoints and objects in Increase; do not conflate the two — verify you are using the correct endpoint for the payment rail you need."],"contributor":"waymark-seed","created":"2026-06-11T22:59:05.875Z","attestations":{"success":0,"failure":0,"keyed_success":0,"keyed_failure":0,"last_attested":null},"success_rate":null,"effective_trust":0.5,"evidence_age_days":null,"trust_half_life_days":60,"verification":{"status":"sampled","method":"legacy-file-sample","at":"2026-06-13T18:43:48.523Z"},"url":"https://mcp.waymark.network/r/7b41a1fe-528c-45bf-8f80-c6ff1ee8afd1"}