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POST
/
user
/
routable-cards
/
activate
Activate a user card
curl --request POST \
  --url https://api.example.com/api/v3/user/routable-cards/activate \
  --header 'Authorization: Bearer <token>' \
  --header 'Content-Type: application/json' \
  --header 'api_key: <api-key>' \
  --data '
{
  "api_key": "YOUR_API_KEY",
  "user_id": "user-8f3a2b1c-0e44-4f2d-9a11-7b23cc90d1ef",
  "id": "rcrd-bc4aa5cd-ab0a-4580-ac90-87fd45d4e190",
  "reason_code": "101"
}
'
{
  "status": "success",
  "message": "operation completed",
  "data": {
    "items": [
      {
        "id": "rcrd-9a117b23-cc90-d1ef-8f3a-2b1c0e444f2d",
        "card_type": "physical",
        "last_four": "4242",
        "status": "unactivated",
        "user_id": "user-8f3a2b1c-0e44-4f2d-9a11-7b23cc90d1ef",
        "business_id": "buss-2ef94c60-5a11-4d72-a3c1-5be7fab0123e",
        "created_at": "2026-04-16T12:34:56.000Z"
      }
    ],
    "pagination": {
      "page": 1,
      "per_page": 25,
      "total": 100,
      "sort": "created_at:desc",
      "search": "jane"
    }
  }
}

Documentation Index

Fetch the complete documentation index at: https://developers.ingopayments.com/llms.txt

Use this file to discover all available pages before exploring further.

Authorizations

​
api_key
string
header
required

Program API key identifying your integration. Pass as the api_key HTTP header (preferred) or as an api_key field in the JSON request body. Required on every request in addition to the HMAC Authorization header.

Body

application/json
​
user_id
string
required

Identifier of the target user. Required when the endpoint operates on a specific user.

Example:

"user-8f3a2b1c-0e44-4f2d-9a11-7b23cc90d1ef"

​
id
string
required

Identifier of the target card.

Example:

"rcrd-9a117b23-cc90-d1ef-8f3a-2b1c0e444f2d"

​
api_key
string

Program API key. Accepted either in the api_key HTTP header or as this body field.

​
reason_code
string

Short reason code accompanying the state change (optional).

​
reason
string

Free-form reason describing why the state change occurred.

Response

Success.

​
status
enum<string>
required
Available options:
success
​
message
string
required
Example:

"operation completed"

​
data
object

Endpoint-specific payload; shape varies per operation.