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Ingo Payments · Banking Platform
Your program. Every dollar accounted for.
Now Live
Issue accounts, move money, and track every transaction — for every entity in your program.
The Ingo Banking Platform is a Banking-as-a-Service API built for fintech programs that manage sub-merchants or end users on behalf of their business. Your program integrates once and gains the ability to onboard users and businesses through a KYC/KYB-compliant verification flow, issue real routable bank accounts to each verified entity, manage internal book transfers between entities, and query balances and full transaction history at any level of granularity. The API is designed to be embedded directly into your own customer-facing portals — your sub-merchants interact with your product, and your product calls ours. Inbound and outbound transactions — including funding a sub-merchant’s account and issuing disbursements — are handled through the IngoPay API. IngoPay transactions include ledger routing values that direct each transaction to the correct entity’s ledger within the Banking Platform automatically. The Banking API handles the account and entity lifecycle, internal transfers between entities, and balance and transaction reporting. For programs that need to collect KYC/KYB information from business stakeholders, Ingo provides a fully hosted diligence experience. Your team submits the stakeholder’s contact information through the program operations portal; Ingo delivers a secure engagement email and guides the stakeholder through completing their verification obligations via a hosted portal — no diligence collection UI for you to build or maintain. Verification is typically completed same-day; in some cases Ingo may request additional documentation or clarification from your team to work with the entity to resolve open requirements. Ingo also provides a program operations portal that gives your servicing and operations teams a full-ledger view across every entity in your program without requiring an API integration.

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Platform Capabilities

KYC / KYB Onboarding

Onboard individual users and businesses through a KYC/KYB-compliant verification flow. For business onboarding, Ingo provides a fully hosted diligence experience — your team submits stakeholder contact information through the program operations portal, and Ingo engages each stakeholder directly via email to complete their verification obligations. Accounts, cards, and money movement are gated behind verification; nothing issues until the entity is confirmed.

Bank Accounts

Issue real routable bank accounts to verified users and businesses, each with their own account and routing numbers capable of receiving external ACH transfers and wires. Virtual account numbers segment a single underlying account across multiple entities. Entities can also link external bank accounts as funding sources or payout destinations.

Internal Transfers

Move funds between entities within your program using book transfers. Inbound funding and outbound disbursements to external accounts are handled through the IngoPay API, with ledger routing values directing each transaction to the correct entity automatically. All monetary operations support idempotency keys to make retries safe against duplicate processing.

Sub-Merchant Management

View, search, and manage the businesses in your program. Query per-entity balances, transaction history, and linked accounts. Block or unblock entities as needed. Ingo also provides a program operations portal — a UI your operations and servicing teams can use to research transactions and review sub-merchant ledgers without an API integration.

Webhooks & Real-Time Events

Receive real-time event notifications at every meaningful state change — KYC/KYB verification results, account and card issuance, card lifecycle updates, and money movement completions. Webhooks are the authoritative source for async transaction state; do not rely on polling.

Card Issuance

In Development
Issue virtual and physical debit cards to verified users and businesses. Cards move through a managed lifecycle — issued, activated, frozen, unfrozen, and reissued or terminated as needed. Physical cards are shipped to a provided address at issuance. Both user-level and business-level card programs are supported.