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POST
/
gateway
/
v1
/
biller
/
search
Search for a biller by account number
curl --request POST \
  --url https://payapi-sandbox.ingo.money/gateway/v1/biller/search \
  --header 'Authorization: Bearer <token>' \
  --header 'Content-Type: application/json' \
  --data '
{
  "participant_id": 12345,
  "account": "12345678",
  "amount": 1010.5,
  "rail_type": "CREDIT"
}
'
import requests

url = "https://payapi-sandbox.ingo.money/gateway/v1/biller/search"

payload = {
    "participant_id": 12345,
    "account": "12345678",
    "amount": 1010.5,
    "rail_type": "CREDIT"
}
headers = {
    "Authorization": "Bearer <token>",
    "Content-Type": "application/json"
}

response = requests.post(url, json=payload, headers=headers)

print(response.text)
const options = {
  method: 'POST',
  headers: {Authorization: 'Bearer <token>', 'Content-Type': 'application/json'},
  body: JSON.stringify({
    participant_id: 12345,
    account: '12345678',
    amount: 1010.5,
    rail_type: 'CREDIT'
  })
};

fetch('https://payapi-sandbox.ingo.money/gateway/v1/biller/search', 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://payapi-sandbox.ingo.money/gateway/v1/biller/search",
  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([
    'participant_id' => 12345,
    'account' => '12345678',
    'amount' => 1010.5,
    'rail_type' => 'CREDIT'
  ]),
  CURLOPT_HTTPHEADER => [
    "Authorization: Bearer <token>",
    "Content-Type: application/json"
  ],
]);

$response = curl_exec($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://payapi-sandbox.ingo.money/gateway/v1/biller/search"

	payload := strings.NewReader("{\n  \"participant_id\": 12345,\n  \"account\": \"12345678\",\n  \"amount\": 1010.5,\n  \"rail_type\": \"CREDIT\"\n}")

	req, _ := http.NewRequest("POST", url, payload)

	req.Header.Add("Authorization", "Bearer <token>")
	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://payapi-sandbox.ingo.money/gateway/v1/biller/search")
  .header("Authorization", "Bearer <token>")
  .header("Content-Type", "application/json")
  .body("{\n  \"participant_id\": 12345,\n  \"account\": \"12345678\",\n  \"amount\": 1010.5,\n  \"rail_type\": \"CREDIT\"\n}")
  .asString();
require 'uri'
require 'net/http'

url = URI("https://payapi-sandbox.ingo.money/gateway/v1/biller/search")

http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true

request = Net::HTTP::Post.new(url)
request["Authorization"] = 'Bearer <token>'
request["Content-Type"] = 'application/json'
request.body = "{\n  \"participant_id\": 12345,\n  \"account\": \"12345678\",\n  \"amount\": 1010.5,\n  \"rail_type\": \"CREDIT\"\n}"

response = http.request(request)
puts response.read_body
{
  "status": 100,
  "client_message": "Success",
  "data": {
    "billers": [
      {
        "id": "123457",
        "name": "First Service Middle Jersey",
        "address": "PO Box 5555",
        "city": "Anytown",
        "state": "NJ",
        "zip": "00000",
        "min": "5.00",
        "max": "2000.00",
        "card_type": "NA",
        "estimated_posting_time": "Payment will post 04/22/2026",
        "estimated_posting_date": "04/22/2026",
        "credit_enabled": 1,
        "debit_enabled": 0
      }
    ]
  }
}
{
  "status": 700,
  "client_message": "Account not currently available for payment",
  "data": {
    "errors": {
      "account": "Field is required"
    }
  }
}

Body

application/json

store_id, clerk_id, and terminal_id are required when the client is configured as a retail participant (retail flag enabled in client configuration).

​
participant_id
integer
required

Unique participant identifier assigned by Ingo.

Example:

12345

​
account
string
required

Customer bill payment account number to search against.

Maximum string length: 255
Example:

"12345678"

​
amount
number<float> | null

Optional dollar amount of the intended disbursement. When provided, used to validate against biller transaction limits.

Required range: x >= 0.01
Example:

1010.5

​
rail_type
enum<string> | null

Optional rail type filter. CREDIT = push (credit) disbursement, DEBIT = pull (debit) transaction. Defaults to CREDIT when not provided.

Available options:
CREDIT,
DEBIT
Maximum string length: 6
Example:

"CREDIT"

​
store_id
string | null

Client assigned store ID. Required when the client is configured as a retail participant (retail flag enabled).

Maximum string length: 255
Example:

"STORE-001"

​
clerk_id
string | null

Client assigned clerk ID. Required when the client is configured as a retail participant (retail flag enabled).

Maximum string length: 255
Example:

"CLK-007"

​
terminal_id
string | null

Client assigned terminal ID. Required when the client is configured as a retail participant (retail flag enabled).

Maximum string length: 255
Example:

"TERM-042"

Response

Biller search successful

​
status
integer

Numeric code describing the status of the API request. 100 = Success.

Example:

100

​
client_message
string

Text description associated with the status code.

Example:

"Success"

​
data
object