Process — ACH - Ingo Payments Developer Hub

POST

gateway

process--ach

Push funds to a bank account via ACH, Same-Day ACH, or RTP

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": "business",
    "entity_id": "ent_00789"
  },
  "timestamp": 1576100703,
  "version": 11
}
'

import requests

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

payload = {
    "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": "business",
        "entity_id": "ent_00789"
    },
    "timestamp": 1576100703,
    "version": 11
}
headers = {
    "Authorization": "Bearer <token>",
    "Content-Type": "application/json"
}

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

print(response.text)

const options = {
  method: 'POST',
  headers: {Authorization: 'Bearer <token>', 'Content-Type': 'application/json'},
  body: JSON.stringify({
    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: 'business',
      entity_id: 'ent_00789'
    },
    timestamp: 1576100703,
    version: 11
  })
};

fetch('https://payapi-sandbox.ingo.money/gateway/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/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([
    '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' => 'business',
        'entity_id' => 'ent_00789'
    ],
    'timestamp' => 1576100703,
    'version' => 11
  ]),
  CURLOPT_HTTPHEADER => [
    "Authorization: Bearer <token>",
    "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/process--ach"

	payload := strings.NewReader("{\n  \"participant_id\": 12345,\n  \"account_type\": \"AC\",\n  \"amount\": 1010.5,\n  \"customer_account_token\": \"89421718-a62e-4344-8a1d-4baf73fb11f1\",\n  \"source_of_funds\": 4,\n  \"recipient_phone\": \"1231231234\",\n  \"participant_unique_id1\": \"5bf1e2c3-2169-406f-bf1b-f7bc5c2303b3\",\n  \"participant_unique_id2\": \"80525360-dae4-4d0f-9f5c-e09f3fdcf7c8\",\n  \"additional_detail\": {\n    \"source_name\": \"CorpDisb\",\n    \"descriptive_purpose\": \"Reimbursement\"\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  \"timestamp\": 1576100703,\n  \"version\": 11\n}")

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

	req.Header.Add("Authorization", "Bearer <token>")
	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/process--ach")
  .header("Authorization", "Bearer <token>")
  .header("Content-Type", "application/json")
  .body("{\n  \"participant_id\": 12345,\n  \"account_type\": \"AC\",\n  \"amount\": 1010.5,\n  \"customer_account_token\": \"89421718-a62e-4344-8a1d-4baf73fb11f1\",\n  \"source_of_funds\": 4,\n  \"recipient_phone\": \"1231231234\",\n  \"participant_unique_id1\": \"5bf1e2c3-2169-406f-bf1b-f7bc5c2303b3\",\n  \"participant_unique_id2\": \"80525360-dae4-4d0f-9f5c-e09f3fdcf7c8\",\n  \"additional_detail\": {\n    \"source_name\": \"CorpDisb\",\n    \"descriptive_purpose\": \"Reimbursement\"\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  \"timestamp\": 1576100703,\n  \"version\": 11\n}")
  .asString();

require 'uri'
require 'net/http'

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

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

request = Net::HTTP::Post.new(url)
request["Authorization"] = 'Bearer <token>'
request["Content-Type"] = 'application/json'
request.body = "{\n  \"participant_id\": 12345,\n  \"account_type\": \"AC\",\n  \"amount\": 1010.5,\n  \"customer_account_token\": \"89421718-a62e-4344-8a1d-4baf73fb11f1\",\n  \"source_of_funds\": 4,\n  \"recipient_phone\": \"1231231234\",\n  \"participant_unique_id1\": \"5bf1e2c3-2169-406f-bf1b-f7bc5c2303b3\",\n  \"participant_unique_id2\": \"80525360-dae4-4d0f-9f5c-e09f3fdcf7c8\",\n  \"additional_detail\": {\n    \"source_name\": \"CorpDisb\",\n    \"descriptive_purpose\": \"Reimbursement\"\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  \"timestamp\": 1576100703,\n  \"version\": 11\n}"

response = http.request(request)
puts response.read_body

{
  "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"
}

{
  "status": 604,
  "client_message": "Insufficient funds",
  "data": {
    "request_timestamp": 1576100772
  }
}

Body

application/json

participant_id

integer

required

Unique participant identifier assigned by Ingo.

Example:

12345

timestamp

integer<int64>

required

Unix timestamp of the request.

Example:

1576100703

version

integer

required

API version of the request. Current version is 11.

Example:

11

amount

number<float>

required

Amount of the transaction.

Required range: x >= 0.01

Example:

1010.5

participant_unique_id1

string

required

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.

Required string length: 1 - 255

Example:

"5bf1e2c3-2169-406f-bf1b-f7bc5c2303b3"

account_type

enum<string>

required

Determines the payment rail. AC = Standard ACH, SD = Same-Day ACH, RT = Real-Time Payments (RTP).

Available options:

AC,

SD,

RT

Minimum string length: 1

Example:

"AC"

source_of_funds

enum<integer>

required

Funding source indicator: 1 = Cash, 2 = Check, 3 = Combo of Cash & Check, 4 = Corp Disbursement.

Available options:

1,

2,

3,

4

Example:

4

customer_account_token

string

required

Token representing the account number and customer data as provided in the response from a previous Verify API call.

Required string length: 1 - 255

Example:

"89421718-a62e-4344-8a1d-4baf73fb11f1"

recipient_phone

string | null

10-digit recipient phone number.

Maximum string length: 10

Example:

"1231231234"

participant_unique_id2

string | null

Optional second participant assigned transaction ID. Does not appear on daily reconciliation reports.

Maximum string length: 255

Example:

"80525360-dae4-4d0f-9f5c-e09f3fdcf7c8"

additional_detail

object | null

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.

Show child attributes

store_id

string | null

Client assigned store ID. Required for Retail client participants.

Maximum string length: 255

Example:

"STORE-001"

clerk_id

string | null

Client assigned clerk ID. Required for Retail client participants.

Maximum string length: 255

Example:

"CLK-007"

terminal_id

string | null

Client assigned terminal ID. Required for Retail client participants.

Maximum string length: 255

Example:

"TERM-042"

ledger

object

Required for clients configured for ledger service. Exclude entirely if not applicable to your integration.

Show child attributes

Response

Payment accepted successfully

status

integer

Numeric code describing the status of the API request. 100 = Success.

Example:

100

client_message

string

Text description associated with the status code.

Example:

"Success"

data

object

Show child attributes

time

string

Time in seconds to complete the request.

Example:

"1.3092"

Push funds to a bank account via ACH, Same-Day ACH, or RTP

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": "business",
    "entity_id": "ent_00789"
  },
  "timestamp": 1576100703,
  "version": 11
}
'

import requests

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

payload = {
    "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": "business",
        "entity_id": "ent_00789"
    },
    "timestamp": 1576100703,
    "version": 11
}
headers = {
    "Authorization": "Bearer <token>",
    "Content-Type": "application/json"
}

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

print(response.text)

const options = {
  method: 'POST',
  headers: {Authorization: 'Bearer <token>', 'Content-Type': 'application/json'},
  body: JSON.stringify({
    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: 'business',
      entity_id: 'ent_00789'
    },
    timestamp: 1576100703,
    version: 11
  })
};

fetch('https://payapi-sandbox.ingo.money/gateway/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/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([
    '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' => 'business',
        'entity_id' => 'ent_00789'
    ],
    'timestamp' => 1576100703,
    'version' => 11
  ]),
  CURLOPT_HTTPHEADER => [
    "Authorization: Bearer <token>",
    "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/process--ach"

	payload := strings.NewReader("{\n  \"participant_id\": 12345,\n  \"account_type\": \"AC\",\n  \"amount\": 1010.5,\n  \"customer_account_token\": \"89421718-a62e-4344-8a1d-4baf73fb11f1\",\n  \"source_of_funds\": 4,\n  \"recipient_phone\": \"1231231234\",\n  \"participant_unique_id1\": \"5bf1e2c3-2169-406f-bf1b-f7bc5c2303b3\",\n  \"participant_unique_id2\": \"80525360-dae4-4d0f-9f5c-e09f3fdcf7c8\",\n  \"additional_detail\": {\n    \"source_name\": \"CorpDisb\",\n    \"descriptive_purpose\": \"Reimbursement\"\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  \"timestamp\": 1576100703,\n  \"version\": 11\n}")

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

	req.Header.Add("Authorization", "Bearer <token>")
	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/process--ach")
  .header("Authorization", "Bearer <token>")
  .header("Content-Type", "application/json")
  .body("{\n  \"participant_id\": 12345,\n  \"account_type\": \"AC\",\n  \"amount\": 1010.5,\n  \"customer_account_token\": \"89421718-a62e-4344-8a1d-4baf73fb11f1\",\n  \"source_of_funds\": 4,\n  \"recipient_phone\": \"1231231234\",\n  \"participant_unique_id1\": \"5bf1e2c3-2169-406f-bf1b-f7bc5c2303b3\",\n  \"participant_unique_id2\": \"80525360-dae4-4d0f-9f5c-e09f3fdcf7c8\",\n  \"additional_detail\": {\n    \"source_name\": \"CorpDisb\",\n    \"descriptive_purpose\": \"Reimbursement\"\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  \"timestamp\": 1576100703,\n  \"version\": 11\n}")
  .asString();

require 'uri'
require 'net/http'

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

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

request = Net::HTTP::Post.new(url)
request["Authorization"] = 'Bearer <token>'
request["Content-Type"] = 'application/json'
request.body = "{\n  \"participant_id\": 12345,\n  \"account_type\": \"AC\",\n  \"amount\": 1010.5,\n  \"customer_account_token\": \"89421718-a62e-4344-8a1d-4baf73fb11f1\",\n  \"source_of_funds\": 4,\n  \"recipient_phone\": \"1231231234\",\n  \"participant_unique_id1\": \"5bf1e2c3-2169-406f-bf1b-f7bc5c2303b3\",\n  \"participant_unique_id2\": \"80525360-dae4-4d0f-9f5c-e09f3fdcf7c8\",\n  \"additional_detail\": {\n    \"source_name\": \"CorpDisb\",\n    \"descriptive_purpose\": \"Reimbursement\"\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  \"timestamp\": 1576100703,\n  \"version\": 11\n}"

response = http.request(request)
puts response.read_body

{
  "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"
}

{
  "status": 604,
  "client_message": "Insufficient funds",
  "data": {
    "request_timestamp": 1576100772
  }
}

Overview

API Reference

Webhooks

Process — ACH

Body

Response