Program Management
Fund Program Routable Account
Charge a program-level linked bank account and credit the program routable bank account.
Authentication: send the program API key either in the api_key HTTP header or as an api_key JSON body field.
POST
/
program
/
charge-program-bank-account-fund-program-routable-bank-account
Top up the program routable account from a program-level linked account
curl --request POST \
--url https://api.sdev.banking.ingopayments.tech/api/v4/program/charge-program-bank-account-fund-program-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",
"routable_bank_account_id": "rbac-2b1c0e44-4f2d-9a11-7b23-cc90d1ef8f3a"
}
'import requests
url = "https://api.sdev.banking.ingopayments.tech/api/v4/program/charge-program-bank-account-fund-program-routable-bank-account"
payload = {
"api_key": "YOUR_API_KEY",
"user_id": "user-8f3a2b1c-0e44-4f2d-9a11-7b23cc90d1ef",
"amount": "100.00",
"account_id": "bbac-9abc1234-5678-90ef-klmn-opqrstuv5678",
"routable_bank_account_id": "rbac-2b1c0e44-4f2d-9a11-7b23-cc90d1ef8f3a"
}
headers = {
"Authorization": "Bearer <token>",
"api_key": "<api-key>",
"Content-Type": "application/json"
}
response = requests.post(url, json=payload, headers=headers)
print(response.text)const options = {
method: 'POST',
headers: {
Authorization: 'Bearer <token>',
api_key: '<api-key>',
'Content-Type': 'application/json'
},
body: JSON.stringify({
api_key: 'YOUR_API_KEY',
user_id: 'user-8f3a2b1c-0e44-4f2d-9a11-7b23cc90d1ef',
amount: '100.00',
account_id: 'bbac-9abc1234-5678-90ef-klmn-opqrstuv5678',
routable_bank_account_id: 'rbac-2b1c0e44-4f2d-9a11-7b23-cc90d1ef8f3a'
})
};
fetch('https://api.sdev.banking.ingopayments.tech/api/v4/program/charge-program-bank-account-fund-program-routable-bank-account', options)
.then(res => res.json())
.then(res => console.log(res))
.catch(err => console.error(err));<?php
$curl = curl_init();
curl_setopt_array($curl, [
CURLOPT_URL => "https://api.sdev.banking.ingopayments.tech/api/v4/program/charge-program-bank-account-fund-program-routable-bank-account",
CURLOPT_RETURNTRANSFER => true,
CURLOPT_ENCODING => "",
CURLOPT_MAXREDIRS => 10,
CURLOPT_TIMEOUT => 30,
CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
CURLOPT_CUSTOMREQUEST => "POST",
CURLOPT_POSTFIELDS => json_encode([
'api_key' => 'YOUR_API_KEY',
'user_id' => 'user-8f3a2b1c-0e44-4f2d-9a11-7b23cc90d1ef',
'amount' => '100.00',
'account_id' => 'bbac-9abc1234-5678-90ef-klmn-opqrstuv5678',
'routable_bank_account_id' => 'rbac-2b1c0e44-4f2d-9a11-7b23-cc90d1ef8f3a'
]),
CURLOPT_HTTPHEADER => [
"Authorization: Bearer <token>",
"Content-Type: application/json",
"api_key: <api-key>"
],
]);
$response = curl_exec($curl);
$err = curl_error($curl);
curl_close($curl);
if ($err) {
echo "cURL Error #:" . $err;
} else {
echo $response;
}package main
import (
"fmt"
"strings"
"net/http"
"io"
)
func main() {
url := "https://api.sdev.banking.ingopayments.tech/api/v4/program/charge-program-bank-account-fund-program-routable-bank-account"
payload := strings.NewReader("{\n \"api_key\": \"YOUR_API_KEY\",\n \"user_id\": \"user-8f3a2b1c-0e44-4f2d-9a11-7b23cc90d1ef\",\n \"amount\": \"100.00\",\n \"account_id\": \"bbac-9abc1234-5678-90ef-klmn-opqrstuv5678\",\n \"routable_bank_account_id\": \"rbac-2b1c0e44-4f2d-9a11-7b23-cc90d1ef8f3a\"\n}")
req, _ := http.NewRequest("POST", url, payload)
req.Header.Add("Authorization", "Bearer <token>")
req.Header.Add("api_key", "<api-key>")
req.Header.Add("Content-Type", "application/json")
res, _ := http.DefaultClient.Do(req)
defer res.Body.Close()
body, _ := io.ReadAll(res.Body)
fmt.Println(string(body))
}HttpResponse<String> response = Unirest.post("https://api.sdev.banking.ingopayments.tech/api/v4/program/charge-program-bank-account-fund-program-routable-bank-account")
.header("Authorization", "Bearer <token>")
.header("api_key", "<api-key>")
.header("Content-Type", "application/json")
.body("{\n \"api_key\": \"YOUR_API_KEY\",\n \"user_id\": \"user-8f3a2b1c-0e44-4f2d-9a11-7b23cc90d1ef\",\n \"amount\": \"100.00\",\n \"account_id\": \"bbac-9abc1234-5678-90ef-klmn-opqrstuv5678\",\n \"routable_bank_account_id\": \"rbac-2b1c0e44-4f2d-9a11-7b23-cc90d1ef8f3a\"\n}")
.asString();require 'uri'
require 'net/http'
url = URI("https://api.sdev.banking.ingopayments.tech/api/v4/program/charge-program-bank-account-fund-program-routable-bank-account")
http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true
request = Net::HTTP::Post.new(url)
request["Authorization"] = 'Bearer <token>'
request["api_key"] = '<api-key>'
request["Content-Type"] = 'application/json'
request.body = "{\n \"api_key\": \"YOUR_API_KEY\",\n \"user_id\": \"user-8f3a2b1c-0e44-4f2d-9a11-7b23cc90d1ef\",\n \"amount\": \"100.00\",\n \"account_id\": \"bbac-9abc1234-5678-90ef-klmn-opqrstuv5678\",\n \"routable_bank_account_id\": \"rbac-2b1c0e44-4f2d-9a11-7b23-cc90d1ef8f3a\"\n}"
response = http.request(request)
puts response.read_body{
"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"
}
}
}{
"status": "error",
"message": "Something went wrong",
"data": "<unknown>",
"status_code": {
"status_code": 1000,
"error_type": "NOT_FOUND",
"message": "Resource not found",
"description": "The requested resource does not exist"
}
}{
"status": "error",
"message": "Something went wrong",
"data": "<unknown>",
"status_code": {
"status_code": 1000,
"error_type": "NOT_FOUND",
"message": "Resource not found",
"description": "The requested resource does not exist"
}
}{
"status": "error",
"message": "Something went wrong",
"data": "<unknown>",
"status_code": {
"status_code": 1000,
"error_type": "NOT_FOUND",
"message": "Resource not found",
"description": "The requested resource does not exist"
}
}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
application/json
Identifier of the target user. Required when the endpoint operates on a specific user.
Example:
"user-8f3a2b1c-0e44-4f2d-9a11-7b23cc90d1ef"
Monetary amount as a decimal string with two decimal places (for example "100.00"). Must be positive.
Example:
"100.00"
Linked bank account identifier used as funding source.
Target routable bank account identifier.
Example:
"rbac-2b1c0e44-4f2d-9a11-7b23-cc90d1ef8f3a"
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.
Optional external reference string stored on the resulting transaction.
Free-form description attached to the resulting transaction.
Named ledger account uid to debit as the operation source.
Named ledger account uid to credit as the operation destination.
Display name of the funding source (for receipts and webhook events).
Short description of the transaction purpose surfaced to downstream processors.
External participant identifier tracked with the transaction.
⌘I
Top up the program routable account from a program-level linked account
curl --request POST \
--url https://api.sdev.banking.ingopayments.tech/api/v4/program/charge-program-bank-account-fund-program-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",
"routable_bank_account_id": "rbac-2b1c0e44-4f2d-9a11-7b23-cc90d1ef8f3a"
}
'import requests
url = "https://api.sdev.banking.ingopayments.tech/api/v4/program/charge-program-bank-account-fund-program-routable-bank-account"
payload = {
"api_key": "YOUR_API_KEY",
"user_id": "user-8f3a2b1c-0e44-4f2d-9a11-7b23cc90d1ef",
"amount": "100.00",
"account_id": "bbac-9abc1234-5678-90ef-klmn-opqrstuv5678",
"routable_bank_account_id": "rbac-2b1c0e44-4f2d-9a11-7b23-cc90d1ef8f3a"
}
headers = {
"Authorization": "Bearer <token>",
"api_key": "<api-key>",
"Content-Type": "application/json"
}
response = requests.post(url, json=payload, headers=headers)
print(response.text)const options = {
method: 'POST',
headers: {
Authorization: 'Bearer <token>',
api_key: '<api-key>',
'Content-Type': 'application/json'
},
body: JSON.stringify({
api_key: 'YOUR_API_KEY',
user_id: 'user-8f3a2b1c-0e44-4f2d-9a11-7b23cc90d1ef',
amount: '100.00',
account_id: 'bbac-9abc1234-5678-90ef-klmn-opqrstuv5678',
routable_bank_account_id: 'rbac-2b1c0e44-4f2d-9a11-7b23-cc90d1ef8f3a'
})
};
fetch('https://api.sdev.banking.ingopayments.tech/api/v4/program/charge-program-bank-account-fund-program-routable-bank-account', options)
.then(res => res.json())
.then(res => console.log(res))
.catch(err => console.error(err));<?php
$curl = curl_init();
curl_setopt_array($curl, [
CURLOPT_URL => "https://api.sdev.banking.ingopayments.tech/api/v4/program/charge-program-bank-account-fund-program-routable-bank-account",
CURLOPT_RETURNTRANSFER => true,
CURLOPT_ENCODING => "",
CURLOPT_MAXREDIRS => 10,
CURLOPT_TIMEOUT => 30,
CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
CURLOPT_CUSTOMREQUEST => "POST",
CURLOPT_POSTFIELDS => json_encode([
'api_key' => 'YOUR_API_KEY',
'user_id' => 'user-8f3a2b1c-0e44-4f2d-9a11-7b23cc90d1ef',
'amount' => '100.00',
'account_id' => 'bbac-9abc1234-5678-90ef-klmn-opqrstuv5678',
'routable_bank_account_id' => 'rbac-2b1c0e44-4f2d-9a11-7b23-cc90d1ef8f3a'
]),
CURLOPT_HTTPHEADER => [
"Authorization: Bearer <token>",
"Content-Type: application/json",
"api_key: <api-key>"
],
]);
$response = curl_exec($curl);
$err = curl_error($curl);
curl_close($curl);
if ($err) {
echo "cURL Error #:" . $err;
} else {
echo $response;
}package main
import (
"fmt"
"strings"
"net/http"
"io"
)
func main() {
url := "https://api.sdev.banking.ingopayments.tech/api/v4/program/charge-program-bank-account-fund-program-routable-bank-account"
payload := strings.NewReader("{\n \"api_key\": \"YOUR_API_KEY\",\n \"user_id\": \"user-8f3a2b1c-0e44-4f2d-9a11-7b23cc90d1ef\",\n \"amount\": \"100.00\",\n \"account_id\": \"bbac-9abc1234-5678-90ef-klmn-opqrstuv5678\",\n \"routable_bank_account_id\": \"rbac-2b1c0e44-4f2d-9a11-7b23-cc90d1ef8f3a\"\n}")
req, _ := http.NewRequest("POST", url, payload)
req.Header.Add("Authorization", "Bearer <token>")
req.Header.Add("api_key", "<api-key>")
req.Header.Add("Content-Type", "application/json")
res, _ := http.DefaultClient.Do(req)
defer res.Body.Close()
body, _ := io.ReadAll(res.Body)
fmt.Println(string(body))
}HttpResponse<String> response = Unirest.post("https://api.sdev.banking.ingopayments.tech/api/v4/program/charge-program-bank-account-fund-program-routable-bank-account")
.header("Authorization", "Bearer <token>")
.header("api_key", "<api-key>")
.header("Content-Type", "application/json")
.body("{\n \"api_key\": \"YOUR_API_KEY\",\n \"user_id\": \"user-8f3a2b1c-0e44-4f2d-9a11-7b23cc90d1ef\",\n \"amount\": \"100.00\",\n \"account_id\": \"bbac-9abc1234-5678-90ef-klmn-opqrstuv5678\",\n \"routable_bank_account_id\": \"rbac-2b1c0e44-4f2d-9a11-7b23-cc90d1ef8f3a\"\n}")
.asString();require 'uri'
require 'net/http'
url = URI("https://api.sdev.banking.ingopayments.tech/api/v4/program/charge-program-bank-account-fund-program-routable-bank-account")
http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true
request = Net::HTTP::Post.new(url)
request["Authorization"] = 'Bearer <token>'
request["api_key"] = '<api-key>'
request["Content-Type"] = 'application/json'
request.body = "{\n \"api_key\": \"YOUR_API_KEY\",\n \"user_id\": \"user-8f3a2b1c-0e44-4f2d-9a11-7b23cc90d1ef\",\n \"amount\": \"100.00\",\n \"account_id\": \"bbac-9abc1234-5678-90ef-klmn-opqrstuv5678\",\n \"routable_bank_account_id\": \"rbac-2b1c0e44-4f2d-9a11-7b23-cc90d1ef8f3a\"\n}"
response = http.request(request)
puts response.read_body{
"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"
}
}
}{
"status": "error",
"message": "Something went wrong",
"data": "<unknown>",
"status_code": {
"status_code": 1000,
"error_type": "NOT_FOUND",
"message": "Resource not found",
"description": "The requested resource does not exist"
}
}{
"status": "error",
"message": "Something went wrong",
"data": "<unknown>",
"status_code": {
"status_code": 1000,
"error_type": "NOT_FOUND",
"message": "Resource not found",
"description": "The requested resource does not exist"
}
}{
"status": "error",
"message": "Something went wrong",
"data": "<unknown>",
"status_code": {
"status_code": 1000,
"error_type": "NOT_FOUND",
"message": "Resource not found",
"description": "The requested resource does not exist"
}
}