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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.

Becoming an Ingo Payments partner is a structured, collaborative process designed to move efficiently from initial interest to a live, production-ready disbursement program. This page walks you through what to expect at every stage — who’s involved, what happens, and how long it takes.

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The partnership journey

1

Target & Introduction

Ingo’s business development team identifies prospective partners whose use case aligns with our disbursement capabilities. An introductory meeting is scheduled to understand your business need and explore how Ingo fits. If the opportunity is qualified, a Mutual Non-Disclosure Agreement (MNDA) is executed to enable open technical and commercial discussion.
2

Product & Use Case Review

Your Ingo Account Manager leads a structured discovery of your disbursement program — payment volumes, recipient populations, payment rails required, and any industry-specific considerations. This shapes the scope of the proposed solution.
3

Light Technical Solutioning

Your Ingo Integration Manager joins to explore your architecture, integration approach, and technical requirements. Initial decisions around payment rail selection, authentication model, webhook architecture, and configuration options are discussed. A draft solution document is developed alongside preliminary pricing.
4

Compliance Prequalification

Ingo’s Compliance and Risk team conducts a preliminary review of your program to assess alignment with Ingo’s risk standards, payment network requirements, and regulatory obligations. This is a lightweight initial screen — not the full compliance review, which occurs later.
5

Executive Proposal of Partnership Intent

Final pricing is confirmed and a formal proposal is prepared and sent for signature. Once countersigned, the deal moves to implementation. Your signed proposal and discovery documents are handed off to Ingo’s onboarding team, and a warm introduction to your Integration Manager is made.
6

Project Implementation Kickoff

A formal kickoff call establishes the implementation timeline, assigns owners on both sides, and confirms your technical architecture and configuration selections. Ingo grants access to a secure shared collaboration folder and begins sandbox environment setup.
7

Legal, Compliance & Integration Build

The full legal and compliance review runs in parallel with your integration build. This phase includes execution of all required agreements, third-party provider contracts, payment network registrations, and Ingo’s due diligence process. Your development team builds against the Ingo sandbox environment using your credentials, configured webhooks, and custom domain setup.
8

Build Testing

Your team completes internal testing of your application and processes against the Ingo sandbox. Ingo provides test plan documentation and guidance. Custom configuration selections are validated — including risk controls, authentication modes, and account type support.
9

Certification Testing

Ingo conducts formal sandbox certification testing to validate your integration against Ingo’s requirements. Successful certification is required to advance to production. Your Ingo Integration Manager reviews results and confirms readiness.
10

Production Readiness

Your production environment is configured — credentials, custom domains, webhook endpoints, and any SFTP setup are established. Your pre-fund bank account is opened and funded via wire. Invoicing processes, replenishment procedures, and internal program support structures are confirmed on your side before go-live.
11

Production Release Coordination

Your Ingo Integration Manager coordinates the production release, validates end-to-end functionality, and confirms that all systems are operating as expected. Production release testing is completed before your program is formally declared live.
12

Post-Implementation Support

Following go-live, your program transitions to Ingo’s dedicated support team. Your Account Manager remains your primary relationship contact for program growth, configuration changes, and escalations.

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Timeline

Timeline from proposal signature to live — including network registrations, compliance approvals, bank approvals, and legal agreement execution.

Standard Integration

4 – 6 weeksTypical for single-rail implementations with straightforward compliance profiles. Examples include push-to-card or ACH disbursement programs with established program structures.

Complex Integration

8 – 12+ weeksMulti-rail programs, novel use cases, programs requiring extensive payment network registrations, or clients with more involved compliance and legal review processes.
Timelines begin from proposal signature and depend on the responsiveness of both parties, third-party approvals outside Ingo’s control (payment networks, banking partners), and the complexity of your compliance profile. Your Integration Manager will establish a detailed project timeline at kickoff.

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Who’s involved

Ingo Payments Team

  • Account Manager — your primary commercial relationship contact throughout the partnership
  • Integration Manager — leads your technical implementation from kickoff through go-live
  • Compliance & Risk Officers — oversee regulatory review, due diligence, and ongoing risk management
  • Legal Counsel — manages contract execution and agreement review
  • Support Team — provides ongoing operational support post-launch

Your Team

  • Program Stakeholder — executive sponsor accountable for the partnership and program outcomes
  • Project Manager — coordinates timelines, dependencies, and cross-functional alignment
  • Product Manager — defines use case requirements and configuration decisions
  • Development Team — builds and tests the integration
  • Legal Counsel — reviews and negotiates agreements
  • Compliance & Risk Officers — supports due diligence and regulatory requirements

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What to prepare

The more prepared your team is at kickoff, the faster your implementation moves. Consider having the following ready before your kickoff call:
Before your kickoff call, we recommend having:
  • A clear description of your disbursement use case and recipient population
  • Estimated monthly payment volume and average transaction size
  • Preferred payment rail(s) — card, ACH, check, PayPal, Venmo, or a combination
  • Your technical architecture — existing systems, APIs, and integration approach
  • Internal contacts confirmed for legal, compliance, and development
  • Any known regulatory, network, or banking requirements specific to your industry
Your Ingo Account Manager can help you think through any of these before the formal kickoff.

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What the onboarding process covers

Your Implementation Manager will guide you through four structured phases: Legal, Compliance & Third-Party Agreements — contract execution, implementation fee, third-party provider agreements, Ingo due diligence, and payment network registrations are completed before technical work begins. Product & Marketing — your advertising approach, projected payment volumes, and sub-client onboarding procedures (if applicable) are reviewed and documented to ensure your program is designed for scale. Sandbox Implementation & Testing — Ingo configures your sandbox environment with credentials, custom domains, webhook endpoints, and SFTP. You build and test your integration against this environment, complete Ingo’s test plan, and receive formal sandbox certification approval before advancing. Production Readiness & Release — your production environment mirrors the sandbox configuration. Pre-fund banking is established, invoicing and replenishment processes are confirmed, and a coordinated production release is executed with final release testing.
Interested in partnering with Ingo Payments?Our partnership inquiry form is coming soon. In the meantime, reach out through your existing Ingo contact or visit ingopayments.com to connect with our team.