Fund Program Routable Account - Ingo Payments Developer Hub

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",
        "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,
    "message": "Resource not found",
    "description": "The requested resource does not exist"
  }
}

{
  "status": "error",
  "message": "Something went wrong",
  "data": "<unknown>",
  "status_code": {
    "status_code": 1000,
    "message": "Resource not found",
    "description": "The requested resource does not exist"
  }
}

{
  "status": "error",
  "message": "Something went wrong",
  "data": "<unknown>",
  "status_code": {
    "status_code": 1000,
    "message": "Resource not found",
    "description": "The requested resource does not exist"
  }
}

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.

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.

Show child attributes

Remove Program Bank Account

List Funds Advanced

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",
        "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,
    "message": "Resource not found",
    "description": "The requested resource does not exist"
  }
}

{
  "status": "error",
  "message": "Something went wrong",
  "data": "<unknown>",
  "status_code": {
    "status_code": 1000,
    "message": "Resource not found",
    "description": "The requested resource does not exist"
  }
}

{
  "status": "error",
  "message": "Something went wrong",
  "data": "<unknown>",
  "status_code": {
    "status_code": 1000,
    "message": "Resource not found",
    "description": "The requested resource does not exist"
  }
}