Payment Methods

Documentation Index

Fetch the complete documentation index at: https://developers.ingopayments.com/llms.txt

Use this file to discover all available pages before exploring further.

IngoPay supports push (credit) and pull (debit) transactions across eight payment types through a single verify → process architecture. The right payment type depends on your recipients’ preferences, required delivery speed, and the nature of the disbursement. Many clients enable multiple types simultaneously — the integration scope remains the same regardless of how many you activate.

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Push Payments — Send Funds to a Recipient

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Debit & Prepaid Card

Push funds in minutes to any eligible Visa or Mastercard debit or prepaid card via Visa Direct and Mastercard Send. This is the fastest delivery method for recipients with a debit card and the most common choice for real-time disbursement programs such as gig economy payouts, earned wage access, and insurance claims settlement.

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Bank Account (ACH & RTP)

Transfer funds directly into a checking or savings account via standard ACH (1–3 business days), same-day ACH, or the Real-Time Payments (RTP) network. ACH is the most broadly compatible option — virtually every U.S. bank account can receive an ACH credit — making it a strong default for programs with diverse recipient populations.

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PayPal & Venmo

Disburse to a recipient’s PayPal or Venmo digital wallet. Both networks deliver funds in minutes. PayPal offers broader global reach; Venmo is predominantly used by U.S. consumers and tends to perform well in younger-demographic programs such as student refunds, gaming, and loyalty rewards.

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Check by Mail

Issue a physical check to any U.S. mailing address. While the slowest delivery option, check by mail remains the most accessible — reaching recipients who have no bank account, no debit card, and no digital wallet. It is commonly offered as a fallback option in multi-rail programs to ensure 100% recipient coverage.

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BillPay

Enable recipients to direct a disbursement toward an existing bill — utilities, loans, healthcare, insurance premiums, and more — rather than receiving cash. Ingo routes the payment directly to the biller on the recipient’s behalf. This is particularly effective in healthcare, government benefits, and financial wellness programs where directing funds toward specific obligations is a program goal.

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Credit Card (Bill Payment)

Accept a debit or credit card as the funding instrument for a bill payment. Rather than sending funds to the recipient directly, the disbursement is applied toward a biller on the biller network using the cardholder’s account. Uses the same verify → process flow as push-to-card.

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Pull Payments — Collect Funds from a Recipient

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Debit Card (Pull)

Pull funds from a debit card account in minutes using the same card token generated during verify. Commonly used in insurance premium collection, loan repayment, and any scenario where instant debit against a known card is preferred.

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Bank Account (ACH Pull)

Pull funds from a checking or savings account via standard or same-day ACH. The most common collection method for recurring programs — the reusable token eliminates the need to re-collect account details on subsequent pulls.

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Wire Transfer

Pull funds via domestic wire for high-value, time-sensitive collections. Wires settle the same business day when initiated before the network cutoff. Typically used in B2B scenarios, treasury operations, and large settlement flows.