Verify
Process
Webhooks
Process — ACH
Push a disbursement via Standard ACH, Same-Day ACH, or Real-Time rails.
curl --request POST \
--url https://payapi-sandbox.ingo.money/gateway/process--ach \
--header 'Authorization: Bearer <token>' \
--header 'Content-Type: application/json' \
--data '
{
"participant_id": 12345,
"account_type": "AC",
"amount": 1010.5,
"customer_account_token": "89421718-a62e-4344-8a1d-4baf73fb11f1",
"source_of_funds": 4,
"recipient_phone": "1231231234",
"participant_unique_id1": "5bf1e2c3-2169-406f-bf1b-f7bc5c2303b3",
"participant_unique_id2": "80525360-dae4-4d0f-9f5c-e09f3fdcf7c8",
"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"
},
"timestamp": 1576100703,
"version": 11
}
'{
"status": 100,
"client_message": "Success",
"data": {
"estimated_posting_time": "Payment will post 04/22/2026",
"estimated_posting_date": "04/22/2026",
"transaction_id": 2361537,
"request_timestamp": 1576100772,
"customer_account_token": "89421718-a62e-4344-8a1d-4baf73fb11f1",
"participant_unique_id1": "5bf1e2c3-2169-406f-bf1b-f7bc5c2303b3",
"participant_unique_id2": "80525360-dae4-4d0f-9f5c-e09f3fdcf7c8"
},
"time": "1.3092"
}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.
Body
Unique participant identifier assigned by Ingo.
12345
Unix timestamp of the request.
1576100703
API version of the request. Current version is 11.
11
Amount of the transaction.
x >= 0.011010.5
Participant assigned transaction ID for the process request. Value must be unique and may not contain NPI data. Used for idempotency — a duplicate value returns an idempotent response without initiating a new push request. Appears on daily reconciliation reports.
1 - 255"5bf1e2c3-2169-406f-bf1b-f7bc5c2303b3"
Determines the payment rail. AC = Standard ACH, SD = Same-Day ACH, RT = Real-Time Payments (RTP).
AC, SD, RT 1"AC"
Funding source indicator: 1 = Cash, 2 = Check, 3 = Combo of Cash & Check, 4 = Corp Disbursement.
1, 2, 3, 4 4
Token representing the account number and customer data as provided in the response from a previous Verify API call.
1 - 255"89421718-a62e-4344-8a1d-4baf73fb11f1"
10-digit recipient phone number.
10"1231231234"
Optional second participant assigned transaction ID. Does not appear on daily reconciliation reports.
255"80525360-dae4-4d0f-9f5c-e09f3fdcf7c8"
Additional transaction details specific to the account type. Applicable for AC and SD only — exclude for RT (RTP) transactions. For ACH, source_name and descriptive_purpose have a combined maximum of 21 characters.
Hide child attributes
Hide child attributes
Name of the transaction source as easily recognizable to the receiver. For ACH, the first 10 characters are always accepted — additional characters may be truncated depending on the length of descriptive_purpose.
50"CorpDisb"
Description of the purpose of the transaction. For ACH, the first 11 characters are always accepted — additional characters may be truncated depending on the length of source_name.
50"Reimbursement"
Client assigned store ID. Required for Retail client participants.
255"STORE-001"
Client assigned clerk ID. Required for Retail client participants.
255"CLK-007"
Client assigned terminal ID. Required for Retail client participants.
255"TERM-042"
Required for clients configured for ledger service. Exclude entirely if not applicable to your integration.
Hide child attributes
Hide child attributes
API key associated with the ledger program.
1 - 100"lk_live_abc123xyz"
User ID associated with the ledger program.
1 - 100"usr_00456"
Entity type for the ledger. Accepted values: program, business, user.
program, business, user 1 - 50"program"
Entity ID associated with the ledger.
100"ent_00789"
Response
Payment accepted successfully
Numeric code describing the status of the API request. 100 = Success.
100
Text description associated with the status code.
"Success"
Hide child attributes
Hide child attributes
Provided on success. Estimated posting time narrative.
"Payment will post 04/22/2026"
Provided on success. Estimated posting date.
"04/22/2026"
Always provided on success and in certain failure conditions. Unique transaction identifier. Log this value — Ingo Payment Services will request it for support interactions.
2361537
Unix timestamp of the request.
1576100772
Echo of value from request. Provided on success.
"89421718-a62e-4344-8a1d-4baf73fb11f1"
Always provided on success and in certain failure conditions. Echo of value provided on request.
"5bf1e2c3-2169-406f-bf1b-f7bc5c2303b3"
Provided on success and in certain failure conditions if sent on original request. Echo of value provided on request.
"80525360-dae4-4d0f-9f5c-e09f3fdcf7c8"
Time in seconds to complete the request.
"1.3092"
curl --request POST \
--url https://payapi-sandbox.ingo.money/gateway/process--ach \
--header 'Authorization: Bearer <token>' \
--header 'Content-Type: application/json' \
--data '
{
"participant_id": 12345,
"account_type": "AC",
"amount": 1010.5,
"customer_account_token": "89421718-a62e-4344-8a1d-4baf73fb11f1",
"source_of_funds": 4,
"recipient_phone": "1231231234",
"participant_unique_id1": "5bf1e2c3-2169-406f-bf1b-f7bc5c2303b3",
"participant_unique_id2": "80525360-dae4-4d0f-9f5c-e09f3fdcf7c8",
"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"
},
"timestamp": 1576100703,
"version": 11
}
'{
"status": 100,
"client_message": "Success",
"data": {
"estimated_posting_time": "Payment will post 04/22/2026",
"estimated_posting_date": "04/22/2026",
"transaction_id": 2361537,
"request_timestamp": 1576100772,
"customer_account_token": "89421718-a62e-4344-8a1d-4baf73fb11f1",
"participant_unique_id1": "5bf1e2c3-2169-406f-bf1b-f7bc5c2303b3",
"participant_unique_id2": "80525360-dae4-4d0f-9f5c-e09f3fdcf7c8"
},
"time": "1.3092"
}