Pull Payments
Debit Process — Card
Pull funds from a debit or credit card (v12 debit gateway).
POST
/
gateway
/
v12
/
debit
/
process--card
Pull funds from a debit card
curl --request POST \
--url https://payapi-sandbox.ingo.money/gateway/v12/debit/process--card \
--header 'Authorization: <api-key>' \
--header 'Content-Type: application/json' \
--data '
{
"request": {
"participant_id": "12345",
"timestamp": "1547143063"
},
"transaction": {
"account_type": "CA",
"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": "81a67729-6e41-47db-8076-01a5bd79e958",
"source_of_funds": 4,
"recipient_phone": "5555550100",
"risk_assessment_token": "36f6b449-fa29-4f9e-919f-ad1e6433f1d5"
},
"ledger": {
"api_key": "lk_live_abc123xyz",
"user_id": "usr_00456",
"entity_type": "business",
"entity_id": "ent_00789"
}
}
'import requests
url = "https://payapi-sandbox.ingo.money/gateway/v12/debit/process--card"
payload = {
"request": {
"participant_id": "12345",
"timestamp": "1547143063"
},
"transaction": {
"account_type": "CA",
"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": "81a67729-6e41-47db-8076-01a5bd79e958",
"source_of_funds": 4,
"recipient_phone": "5555550100",
"risk_assessment_token": "36f6b449-fa29-4f9e-919f-ad1e6433f1d5"
},
"ledger": {
"api_key": "lk_live_abc123xyz",
"user_id": "usr_00456",
"entity_type": "business",
"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: 'CA',
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: '81a67729-6e41-47db-8076-01a5bd79e958',
source_of_funds: 4,
recipient_phone: '5555550100',
risk_assessment_token: '36f6b449-fa29-4f9e-919f-ad1e6433f1d5'
},
ledger: {
api_key: 'lk_live_abc123xyz',
user_id: 'usr_00456',
entity_type: 'business',
entity_id: 'ent_00789'
}
})
};
fetch('https://payapi-sandbox.ingo.money/gateway/v12/debit/process--card', 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--card",
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' => 'CA',
'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' => '81a67729-6e41-47db-8076-01a5bd79e958',
'source_of_funds' => 4,
'recipient_phone' => '5555550100',
'risk_assessment_token' => '36f6b449-fa29-4f9e-919f-ad1e6433f1d5'
],
'ledger' => [
'api_key' => 'lk_live_abc123xyz',
'user_id' => 'usr_00456',
'entity_type' => 'business',
'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--card"
payload := strings.NewReader("{\n \"request\": {\n \"participant_id\": \"12345\",\n \"timestamp\": \"1547143063\"\n },\n \"transaction\": {\n \"account_type\": \"CA\",\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\": \"81a67729-6e41-47db-8076-01a5bd79e958\",\n \"source_of_funds\": 4,\n \"recipient_phone\": \"5555550100\",\n \"risk_assessment_token\": \"36f6b449-fa29-4f9e-919f-ad1e6433f1d5\"\n },\n \"ledger\": {\n \"api_key\": \"lk_live_abc123xyz\",\n \"user_id\": \"usr_00456\",\n \"entity_type\": \"business\",\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--card")
.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\": \"CA\",\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\": \"81a67729-6e41-47db-8076-01a5bd79e958\",\n \"source_of_funds\": 4,\n \"recipient_phone\": \"5555550100\",\n \"risk_assessment_token\": \"36f6b449-fa29-4f9e-919f-ad1e6433f1d5\"\n },\n \"ledger\": {\n \"api_key\": \"lk_live_abc123xyz\",\n \"user_id\": \"usr_00456\",\n \"entity_type\": \"business\",\n \"entity_id\": \"ent_00789\"\n }\n}")
.asString();require 'uri'
require 'net/http'
url = URI("https://payapi-sandbox.ingo.money/gateway/v12/debit/process--card")
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\": \"CA\",\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\": \"81a67729-6e41-47db-8076-01a5bd79e958\",\n \"source_of_funds\": 4,\n \"recipient_phone\": \"5555550100\",\n \"risk_assessment_token\": \"36f6b449-fa29-4f9e-919f-ad1e6433f1d5\"\n },\n \"ledger\": {\n \"api_key\": \"lk_live_abc123xyz\",\n \"user_id\": \"usr_00456\",\n \"entity_type\": \"business\",\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": "04/22/2026",
"estimated_posting_time": "Payment will post 04/22/2026",
"transactionId": "1237774",
"customer_account_token": "81a67729-6e41-47db-8076-01a5bd79e958",
"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": "710",
"message": "Issuer Declined - Customer should contact card issuer",
"duration": "0.8821"
}
}Authorizations
HMAC-SHA512 signed Authorization header. See the Authentication page for the complete signing guide.
Body
application/json
General information associated with the API request.
Show child attributes
Show child attributes
General transaction information for the pull request.
Show child attributes
Show child attributes
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.
Show child attributes
Show child attributes
Required for clients configured for ledger service. Exclude entirely if not applicable to your integration.
Show child attributes
Show child attributes
Data about the transaction sender. Required for clients using certain sender-funded transaction configurations.
Show child attributes
Show child attributes
Retail store information. Required for clients using retail card-present configuration.
Show child attributes
Show child attributes
Sender account identifier. Required for sender-funded debit transactions.
Maximum string length:
100Example:
"SENDER-ACCT-001"
⌘I
Pull funds from a debit card
curl --request POST \
--url https://payapi-sandbox.ingo.money/gateway/v12/debit/process--card \
--header 'Authorization: <api-key>' \
--header 'Content-Type: application/json' \
--data '
{
"request": {
"participant_id": "12345",
"timestamp": "1547143063"
},
"transaction": {
"account_type": "CA",
"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": "81a67729-6e41-47db-8076-01a5bd79e958",
"source_of_funds": 4,
"recipient_phone": "5555550100",
"risk_assessment_token": "36f6b449-fa29-4f9e-919f-ad1e6433f1d5"
},
"ledger": {
"api_key": "lk_live_abc123xyz",
"user_id": "usr_00456",
"entity_type": "business",
"entity_id": "ent_00789"
}
}
'import requests
url = "https://payapi-sandbox.ingo.money/gateway/v12/debit/process--card"
payload = {
"request": {
"participant_id": "12345",
"timestamp": "1547143063"
},
"transaction": {
"account_type": "CA",
"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": "81a67729-6e41-47db-8076-01a5bd79e958",
"source_of_funds": 4,
"recipient_phone": "5555550100",
"risk_assessment_token": "36f6b449-fa29-4f9e-919f-ad1e6433f1d5"
},
"ledger": {
"api_key": "lk_live_abc123xyz",
"user_id": "usr_00456",
"entity_type": "business",
"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: 'CA',
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: '81a67729-6e41-47db-8076-01a5bd79e958',
source_of_funds: 4,
recipient_phone: '5555550100',
risk_assessment_token: '36f6b449-fa29-4f9e-919f-ad1e6433f1d5'
},
ledger: {
api_key: 'lk_live_abc123xyz',
user_id: 'usr_00456',
entity_type: 'business',
entity_id: 'ent_00789'
}
})
};
fetch('https://payapi-sandbox.ingo.money/gateway/v12/debit/process--card', 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--card",
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' => 'CA',
'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' => '81a67729-6e41-47db-8076-01a5bd79e958',
'source_of_funds' => 4,
'recipient_phone' => '5555550100',
'risk_assessment_token' => '36f6b449-fa29-4f9e-919f-ad1e6433f1d5'
],
'ledger' => [
'api_key' => 'lk_live_abc123xyz',
'user_id' => 'usr_00456',
'entity_type' => 'business',
'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--card"
payload := strings.NewReader("{\n \"request\": {\n \"participant_id\": \"12345\",\n \"timestamp\": \"1547143063\"\n },\n \"transaction\": {\n \"account_type\": \"CA\",\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\": \"81a67729-6e41-47db-8076-01a5bd79e958\",\n \"source_of_funds\": 4,\n \"recipient_phone\": \"5555550100\",\n \"risk_assessment_token\": \"36f6b449-fa29-4f9e-919f-ad1e6433f1d5\"\n },\n \"ledger\": {\n \"api_key\": \"lk_live_abc123xyz\",\n \"user_id\": \"usr_00456\",\n \"entity_type\": \"business\",\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--card")
.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\": \"CA\",\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\": \"81a67729-6e41-47db-8076-01a5bd79e958\",\n \"source_of_funds\": 4,\n \"recipient_phone\": \"5555550100\",\n \"risk_assessment_token\": \"36f6b449-fa29-4f9e-919f-ad1e6433f1d5\"\n },\n \"ledger\": {\n \"api_key\": \"lk_live_abc123xyz\",\n \"user_id\": \"usr_00456\",\n \"entity_type\": \"business\",\n \"entity_id\": \"ent_00789\"\n }\n}")
.asString();require 'uri'
require 'net/http'
url = URI("https://payapi-sandbox.ingo.money/gateway/v12/debit/process--card")
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\": \"CA\",\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\": \"81a67729-6e41-47db-8076-01a5bd79e958\",\n \"source_of_funds\": 4,\n \"recipient_phone\": \"5555550100\",\n \"risk_assessment_token\": \"36f6b449-fa29-4f9e-919f-ad1e6433f1d5\"\n },\n \"ledger\": {\n \"api_key\": \"lk_live_abc123xyz\",\n \"user_id\": \"usr_00456\",\n \"entity_type\": \"business\",\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": "04/22/2026",
"estimated_posting_time": "Payment will post 04/22/2026",
"transactionId": "1237774",
"customer_account_token": "81a67729-6e41-47db-8076-01a5bd79e958",
"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": "710",
"message": "Issuer Declined - Customer should contact card issuer",
"duration": "0.8821"
}
}