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POST
/
user
/
charge-bank-account-fund-business-routable-bank-account
Top up a business routable account from a user linked bank account
curl --request POST \
  --url https://api.example.com/api/v3/user/charge-bank-account-fund-business-routable-bank-account \
  --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",
  "amount": "100.00",
  "account_id": "bbac-9abc1234-5678-90ef-klmn-opqrstuv5678",
  "receiver_business_id": "example_receiver_business_id",
  "routable_bank_account_id": "rbac-2b1c0e44-4f2d-9a11-7b23-cc90d1ef8f3a"
}
'
{
  "status": "success",
  "message": "operation completed",
  "data": {
    "items": [
      {
        "id": "ltra-4f2d9a11-7b23-cc90-d1ef-8f3a2b1c0e44",
        "amount": "100.00",
        "currency": "usd",
        "status": "pending",
        "category": "<string>",
        "method": "<string>",
        "originator_type": "<string>",
        "originator_id": "<string>",
        "description": "<string>",
        "posting_date": "2026-04-16T12:34:56.000Z",
        "reversed_transaction_id": "ltra-4f2d9a11-7b23-cc90-d1ef-8f3a2b1c0e44"
      }
    ],
    "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"

​
amount
string
required

Monetary amount as a decimal string with two decimal places (for example "100.00"). Must be positive.

Example:

"100.00"

​
account_id
string
required

Linked bank account identifier used as funding source.

​
receiver_business_id
string
required

Receiving business identifier.

Example:

"buss-2ef94c60-5a11-4d72-a3c1-5be7fab0123e"

​
routable_bank_account_id
string
required

Target routable bank account identifier.

Example:

"rbac-2b1c0e44-4f2d-9a11-7b23-cc90d1ef8f3a"

​
api_key
string

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

​
idempotent_key
string

Client-supplied idempotency token. Submitting the same key twice returns the first response rather than creating a duplicate transaction.

​
reference
string

Optional external reference string stored on the resulting transaction.

​
description
string

Free-form description attached to the resulting transaction.

​
source_ledger_account_uid
string

Named ledger account uid to debit as the operation source.

​
destination_ledger_account_uid
string

Named ledger account uid to credit as the operation destination.

​
source_name
string

Display name of the funding source (for receipts and webhook events).

​
descriptive_purpose
string

Short description of the transaction purpose surfaced to downstream processors.

​
participant_id
string

External participant identifier tracked with the transaction.

Response

Success.

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

"operation completed"

​
data
object

Endpoint-specific payload; shape varies per operation.