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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"
  }
}
'
import requests

url = "https://payapi-sandbox.ingo.money/gateway/v12/debit/process--ach"

payload = {
    "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"
    }
}
headers = {
    "Authorization": "<api-key>",
    "Content-Type": "application/json"
}

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

print(response.text)
const options = {
  method: 'POST',
  headers: {Authorization: '<api-key>', 'Content-Type': 'application/json'},
  body: JSON.stringify({
    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'
    }
  })
};

fetch('https://payapi-sandbox.ingo.money/gateway/v12/debit/process--ach', 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/v12/debit/process--ach",
  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([
    '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'
    ]
  ]),
  CURLOPT_HTTPHEADER => [
    "Authorization: <api-key>",
    "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/v12/debit/process--ach"

	payload := strings.NewReader("{\n  \"request\": {\n    \"participant_id\": \"12345\",\n    \"timestamp\": \"1547143063\"\n  },\n  \"transaction\": {\n    \"account_type\": \"AC\",\n    \"transaction_amount\": {\n      \"currency_code\": \"USD\",\n      \"amount\": \"101.96\"\n    },\n    \"participant_unique_ids\": {\n      \"participant_unique_id1\": \"eba1fff2-b74b-401f-957e-cc8a16c49408\",\n      \"participant_unique_id2\": \"cd5f2b0c-69be-458d-a3a5-5f96cf5171df\"\n    },\n    \"customer_account_token\": \"4153e416-d81d-4420-a494-9feceed4eef3\",\n    \"source_of_funds\": 4,\n    \"recipient_phone\": \"5555550100\",\n    \"risk_assessment_token\": \"36f6b449-fa29-4f9e-919f-ad1e6433f1d5\",\n    \"additional_detail\": {\n      \"source_name\": \"CorpDisb\",\n      \"descriptive_purpose\": \"Reimbursement\"\n    }\n  },\n  \"ledger\": {\n    \"api_key\": \"lk_live_abc123xyz\",\n    \"user_id\": \"usr_00456\",\n    \"entity_type\": \"program\",\n    \"entity_id\": \"ent_00789\"\n  }\n}")

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

	req.Header.Add("Authorization", "<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://payapi-sandbox.ingo.money/gateway/v12/debit/process--ach")
  .header("Authorization", "<api-key>")
  .header("Content-Type", "application/json")
  .body("{\n  \"request\": {\n    \"participant_id\": \"12345\",\n    \"timestamp\": \"1547143063\"\n  },\n  \"transaction\": {\n    \"account_type\": \"AC\",\n    \"transaction_amount\": {\n      \"currency_code\": \"USD\",\n      \"amount\": \"101.96\"\n    },\n    \"participant_unique_ids\": {\n      \"participant_unique_id1\": \"eba1fff2-b74b-401f-957e-cc8a16c49408\",\n      \"participant_unique_id2\": \"cd5f2b0c-69be-458d-a3a5-5f96cf5171df\"\n    },\n    \"customer_account_token\": \"4153e416-d81d-4420-a494-9feceed4eef3\",\n    \"source_of_funds\": 4,\n    \"recipient_phone\": \"5555550100\",\n    \"risk_assessment_token\": \"36f6b449-fa29-4f9e-919f-ad1e6433f1d5\",\n    \"additional_detail\": {\n      \"source_name\": \"CorpDisb\",\n      \"descriptive_purpose\": \"Reimbursement\"\n    }\n  },\n  \"ledger\": {\n    \"api_key\": \"lk_live_abc123xyz\",\n    \"user_id\": \"usr_00456\",\n    \"entity_type\": \"program\",\n    \"entity_id\": \"ent_00789\"\n  }\n}")
  .asString();
require 'uri'
require 'net/http'

url = URI("https://payapi-sandbox.ingo.money/gateway/v12/debit/process--ach")

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

request = Net::HTTP::Post.new(url)
request["Authorization"] = '<api-key>'
request["Content-Type"] = 'application/json'
request.body = "{\n  \"request\": {\n    \"participant_id\": \"12345\",\n    \"timestamp\": \"1547143063\"\n  },\n  \"transaction\": {\n    \"account_type\": \"AC\",\n    \"transaction_amount\": {\n      \"currency_code\": \"USD\",\n      \"amount\": \"101.96\"\n    },\n    \"participant_unique_ids\": {\n      \"participant_unique_id1\": \"eba1fff2-b74b-401f-957e-cc8a16c49408\",\n      \"participant_unique_id2\": \"cd5f2b0c-69be-458d-a3a5-5f96cf5171df\"\n    },\n    \"customer_account_token\": \"4153e416-d81d-4420-a494-9feceed4eef3\",\n    \"source_of_funds\": 4,\n    \"recipient_phone\": \"5555550100\",\n    \"risk_assessment_token\": \"36f6b449-fa29-4f9e-919f-ad1e6433f1d5\",\n    \"additional_detail\": {\n      \"source_name\": \"CorpDisb\",\n      \"descriptive_purpose\": \"Reimbursement\"\n    }\n  },\n  \"ledger\": {\n    \"api_key\": \"lk_live_abc123xyz\",\n    \"user_id\": \"usr_00456\",\n    \"entity_type\": \"program\",\n    \"entity_id\": \"ent_00789\"\n  }\n}"

response = http.request(request)
puts response.read_body
{
  "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"
    }
  }
}
{
  "request": {
    "participant_id": "12345",
    "timestamp": "1547143063"
  },
  "response": {
    "status": "604",
    "message": "Insufficient funds",
    "duration": "0.7614"
  }
}

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.