The IngoPay API is built on a deliberately simple two-step model. A single verify call tokenizes any recipient account type — card, ACH, check, PayPal, Venmo, or BillPay — while simultaneously executing every downstream identity and account verification check your risk profile requires. There is no cascade of individual verification calls to manage; Ingo orchestrates your configured risk mitigation controls in a single round trip and returns a reusable customer_account_token. That token represents both the customer and their account, never expires, and can be reused for any number of future transactions. A single process call then moves funds using that token — regardless of payment type, always through the same endpoint. The acceptance of each transaction attempt for most payment types is determined in real time against the current standing of the account at the financial institution, keeping your risk posture current without adding integration complexity.
Send disbursements to any supported payment method. The same verify → process flow applies across all types — your integration scope stays constant regardless of how many payment methods you enable.
Debit & Prepaid Card
Push funds instantly to any elegible debit or prepaid card. A single
verify call validates the card and executes your configured identity and account
checks, returning a reusable token. Use that token to push funds on demand —
no re-verification required.
Transfer funds directly into a bank account via standard or same-day ACH or through
the Real-Time Payments (RTP) network. Verify once to tokenize the account
and run your configured identity and account checks — then process disbursements
whenever needed using the same persistent token.
Disburse funds directly to a recipient’s PayPal or Venmo digital wallet. A single
verify call confirms the wallet account and runs your configured checks, returning
a token that can be reused for any future disbursements to that wallet.
Issue a physical check disbursement to any mailing address. Verify returns a token — process
then queues the check for printing and delivery with no additional workflow required
on your end.
Enable recipients to direct disbursements toward bill payments across utilities,
loans, healthcare, and more. Search the biller network, tokenize the recipient’s
biller account, and process payments directly to the biller on their behalf.
Enable recipients to direct a disbursement toward their credit card balance,
reducing the amount they owe. The card account is tokenized and the disbursement
is routed to the card issuer — the same verify → process flow as every other
IngoPay payment type.
Debit a recipient account and pull funds into your program. Each payment type follows the same verify → debit process flow — a single verify call tokenizes the account and runs your configured checks, and a single debit process call initiates the pull.
Debit Card
Pull funds from a debit card account. Verify tokenizes the card and runs your
configured identity and account checks — debit process initiates the pull against
that token on demand.
Pull funds from a bank account via standard or same-day ACH. One verify call
tokenizes the account and runs your checks — reuse that token to initiate ACH
debits at any point going forward.
Pull funds via domestic wire transfer. Verify tokenizes the wire account and
executes your configured checks — debit process initiates the wire when you’re
ready to move funds.
