Overview
API Reference
- POSTIssue User Card
- POSTGet User Card
- POSTList User Cards
- POSTActivate User Card
- POSTFreeze User Card
- POSTUnfreeze User Card
- POSTReissue User Card
- POSTGet User Card Balance
- POSTIssue Business Card
- POSTGet Business Card
- POSTList Business Cards
- POSTActivate Business Card
- POSTFreeze Business Card
- POSTUnfreeze Business Card
- POSTReissue Business Card
- POSTGet Business Card Balance
Webhooks
Issue User Card
Issue a physical or virtual routable card to a user. Physical card issuance requires a shipping address and may optionally reference an existing virtual card id.
Authentication: send the program API key either in the api_key HTTP header or as an api_key JSON body field.
curl --request POST \
--url https://api.sdev.banking.ingopayments.tech/api/v4/user/routable-cards/create \
--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",
"card_type": "virtual"
}
'{
"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
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
Identifier of the target user. Required when the endpoint operates on a specific user.
"user-8f3a2b1c-0e44-4f2d-9a11-7b23cc90d1ef"
Requested card form factor.
physical, virtual Program API key. Accepted either in the api_key HTTP header or as this body field.
Client-supplied idempotency token. Submitting the same key twice returns the first response rather than creating a duplicate transaction.
Shipping address object. Required for physical card issuance.
Show child attributes
Show child attributes
Existing virtual card id to materialise as the physical card (when issuing physical after virtual).
curl --request POST \
--url https://api.sdev.banking.ingopayments.tech/api/v4/user/routable-cards/create \
--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",
"card_type": "virtual"
}
'{
"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"
}
}
}