n8n-nodes-increase

[Velocity BPA Licensing Notice]

This n8n node is licensed under the Business Source License 1.1 (BSL 1.1).

Use of this node by for-profit organizations in production environments requires a commercial license from Velocity BPA.

For licensing information, visit https://velobpa.com/licensing or contact licensing@velobpa.com.

n8n community node for Increase Banking-as-a-Service platform - enabling programmatic access to ACH, Wire, Real-Time Payments (RTP), and Check payment rails with direct Federal Reserve connection.

Overview

This node provides comprehensive integration with the Increase banking platform, allowing you to automate banking operations directly within your n8n workflows.

Features

Payment Rails

• ACH Transfers - Create, approve, cancel, and track Automated Clearing House transfers
• Wire Transfers - Domestic wire transfer management with approval workflows
• Real-Time Payments (RTP) - Instant payment processing via The Clearing House network
• Check Transfers - Physical check mailing and tracking
• Check Deposits - Mobile check deposit processing

Banking Operations

• Account Management - Create, update, close accounts; query balances
• External Accounts - Manage counterparty bank accounts for transfers
• Entities - KYC/KYB entity management for corporations and individuals
• Transactions - Query completed and pending transactions
• Account Statements - Retrieve periodic account statements

Event Management

• Events - Query system events
• Event Subscriptions - Webhook subscription management
• Trigger Node - Real-time webhook notifications for account and transfer events

Sandbox Simulation

• Simulate ACH submission, settlement, and returns
• Simulate wire transfer submission
• Simulate inbound transfers (ACH, Wire, RTP)
• Test check mailing and deposit rejection

Installation

Via n8n Community Nodes UI

1. Go to Settings > Community Nodes
2. Click Install
3. Enter n8n-nodes-increase
4. Click Install

Via npm (Manual Installation)

# Navigate to your n8n custom nodes directory
cd ~/.n8n/custom

# Install the package
npm install n8n-nodes-increase

# Restart n8n

Via Docker

Add to your n8n Docker container:

# Install the community node
RUN cd /home/node/.n8n && npm install n8n-nodes-increase

Or use environment variable:

environment:
  - N8N_COMMUNITY_PACKAGES=n8n-nodes-increase

Configuration

Credentials Setup

1. In n8n, go to Credentials > New
2. Search for Increase API
3. Enter your credentials:
   • API Key: Your Increase API key (Bearer token)
   • Environment: sandbox or production

Getting API Keys

1. Sign up at Increase
2. Navigate to API Keys in your dashboard
3. Create a new API key for your environment
4. Copy the key and store it securely

Usage Examples

Create an ACH Transfer

{
  "resource": "achTransfer",
  "operation": "create",
  "accountId": "account_xxx",
  "amount": 10000,
  "statementDescriptor": "PAYMENT",
  "routingNumber": "121000358",
  "accountNumber": "987654321"
}

List Transactions with Filters

{
  "resource": "transaction",
  "operation": "getAll",
  "returnAll": false,
  "limit": 50,
  "filters": {
    "account_id": "account_xxx",
    "created_at.after": "2024-01-01T00:00:00Z"
  }
}

Create a Wire Transfer with Approval

{
  "resource": "wireTransfer",
  "operation": "create",
  "accountId": "account_xxx",
  "amount": 100000,
  "beneficiaryName": "Acme Corp",
  "messageToRecipient": "Invoice #12345",
  "routingNumber": "021000021",
  "accountNumber": "123456789",
  "additionalFields": {
    "require_approval": true
  }
}

Webhook Trigger Configuration

The Increase Trigger node allows you to receive real-time notifications:

1. Add the Increase Trigger node to your workflow
2. Select the events you want to monitor
3. Optionally configure a shared secret for signature verification
4. Activate the workflow

Supported events include account changes, transfer status updates, and transaction notifications.

Amount Handling

All monetary amounts in Increase are expressed in cents (integers):

Dollars	Cents (API Value)
$1.00	100
$10.50	1050
$100.00	10000

• Positive amounts = Credit (sending money to external account)
• Negative amounts = Debit (receiving money from external account)

Resources Reference

Resource	Operations
Account	Create, Get, List, Update, Close, Get Balance
ACH Transfer	Create, Get, List, Approve, Cancel
Wire Transfer	Create, Get, List, Approve, Cancel
RTP Transfer	Create, Get, List
Check Transfer	Create, Get, List, Approve, Cancel, Stop Payment
Check Deposit	Create, Get, List
External Account	Create, Get, List, Update
Transaction	Get, List
Pending Transaction	Get, List
Inbound ACH Transfer	Get, List, Decline, Return, Notification of Change
Entity	Create, Get, List, Archive, Confirm
Event	Get, List
Event Subscription	Create, Get, List, Update
Account Statement	Get, List
Simulation	Various sandbox simulation operations

Error Handling

The node provides detailed error messages from the Increase API:

{
  "type": "invalid_request_error",
  "title": "Invalid Request",
  "detail": "The account_id field is required",
  "status": 400
}

Enable Continue on Fail in your workflow to handle errors gracefully.

Testing

Run Unit Tests

npm test

Run Integration Tests

# Set your Sandbox API key
export INCREASE_API_KEY=your_sandbox_key

# Run tests
npm test

Test Coverage

npm run test:coverage

Development

Build from Source

# Clone the repository
git clone https://github.com/Velocity-BPA/n8n-nodes-increase.git
cd n8n-nodes-increase

# Install dependencies
npm install

# Build the project
npm run build

# Link for local development
npm link

Project Structure

n8n-nodes-increase/
├── credentials/
│   └── IncreaseApi.credentials.ts
├── nodes/Increase/
│   ├── Increase.node.ts
│   ├── IncreaseTrigger.node.ts
│   ├── GenericFunctions.ts
│   ├── increase.svg
│   └── descriptions/
│       ├── AccountDescription.ts
│       ├── AchTransferDescription.ts
│       ├── WireTransferDescription.ts
│       └── ... (other resources)
├── __tests__/
│   ├── GenericFunctions.test.ts
│   ├── Integration.test.ts
│   └── NodeStructure.test.ts
├── package.json
├── tsconfig.json
└── README.md

API Documentation

For detailed API documentation, visit:

• Increase API Documentation
• Increase API Reference

Support

• Issues: GitHub Issues
• Documentation: Increase Docs

Author

Velocity BPA

• Website: velobpa.com
• GitHub: Velocity-BPA
• Email: licensing@velobpa.com

Changelog

v1.0.0

• Initial release
• Full Increase API coverage for ACH, Wire, RTP, and Check operations
• Webhook trigger support with HMAC-SHA256 signature verification
• Sandbox simulation endpoints
• Comprehensive account and entity management