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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": "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"
}

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

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.

​
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.

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
​
time
string

Time in seconds to complete the request.

Example:

"1.3092"