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POST
/
gateway
/
v12
/
debit
/
process--ach
Pull funds from a bank account via ACH or Same-Day ACH
curl --request POST \
  --url https://payapi-sandbox.ingo.money/gateway/v12/debit/process--ach \
  --header 'Authorization: <api-key>' \
  --header 'Content-Type: application/json' \
  --data '
{
  "request": {
    "participant_id": "12345",
    "timestamp": "1547143063"
  },
  "transaction": {
    "account_type": "AC",
    "transaction_amount": {
      "currency_code": "USD",
      "amount": "101.96"
    },
    "participant_unique_ids": {
      "participant_unique_id1": "eba1fff2-b74b-401f-957e-cc8a16c49408",
      "participant_unique_id2": "cd5f2b0c-69be-458d-a3a5-5f96cf5171df"
    },
    "customer_account_token": "4153e416-d81d-4420-a494-9feceed4eef3",
    "source_of_funds": 4,
    "recipient_phone": "5555550100",
    "risk_assessment_token": "36f6b449-fa29-4f9e-919f-ad1e6433f1d5",
    "additional_detail": {
      "source_name": "CorpDisb",
      "descriptive_purpose": "Reimbursement"
    }
  },
  "ledger": {
    "api_key": "lk_live_abc123xyz",
    "user_id": "usr_00456",
    "entity_type": "program",
    "entity_id": "ent_00789"
  }
}
'
{
  "request": {
    "participant_id": "12345",
    "timestamp": "1547143063"
  },
  "response": {
    "status": "100",
    "message": "Success",
    "duration": "1.1809"
  },
  "transaction": {
    "estimated_posting_date": "04/23/2026",
    "estimated_posting_time": "Payment will post 04/23/2026",
    "transaction_id": "1237775",
    "customer_account_token": "4153e416-d81d-4420-a494-9feceed4eef3",
    "participant_unique_ids": {
      "participant_unique_id1": "eba1fff2-b74b-401f-957e-cc8a16c49408",
      "participant_unique_id2": "cd5f2b0c-69be-458d-a3a5-5f96cf5171df"
    }
  }
}

Authorizations

​
Authorization
string
header
required

HMAC-SHA512 signed Authorization header. See the Authentication page for the complete signing guide.

Body

application/json
​
request
object
required

General information associated with the API request.

​
transaction
object
required

General transaction information for the pull request.

​
retail_location
object

Client assigned retail location information. Required when the client is configured with the retail location flag (retail_object flag enabled on client debit configuration). This flag is independent of the retail flag — confirm with your Ingo integration manager.

​
ledger
object

Required for clients configured for ledger service. Exclude entirely if not applicable to your integration.

​
sender
object

Data about the transaction sender. Required for clients using certain sender-funded transaction configurations.

​
retail
object

Retail store information. Required for clients using retail card-present configuration.

​
sender_account
string

Sender account identifier. Required for sender-funded debit transactions.

Maximum string length: 100
Example:

"SENDER-ACCT-001"

Response

Pull payment accepted successfully

​
request
object

Echo of the request envelope.

​
response
object

Outcome of the API call.

​
transaction
object

Transaction outcome data.