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POST
/
gateway
/
process--card
Push funds to a debit or credit card
curl --request POST \
  --url https://payapi-sandbox.ingo.money/gateway/process--card \
  --header 'Authorization: <api-key>' \
  --header 'Content-Type: application/json' \
  --data '
{
  "participant_id": 12345,
  "account_type": "CA",
  "amount": 1010.5,
  "customer_account_token": "ca875cce-58c0-46a0-8f14-676190cc7df6",
  "source_of_funds": 4,
  "recipient_phone": "1231231234",
  "participant_unique_id1": "1f2739ed-3531-4af2-ae36-e6faf7936462",
  "participant_unique_id2": "90759390-01c7-47e7-8a90-6faa89b18ff6",
  "sender": {
    "sender_account": "ACC-00123456",
    "name_personal": {
      "first_name": "Alex",
      "last_name": "Rivera"
    },
    "contact_address": {
      "address1": "100 Innovation Way",
      "address2": "",
      "city": "Anytown",
      "state": "GA",
      "zip": "00000"
    },
    "contact_telcom": {
      "email": "jane.doe@example.com",
      "phone_home": "5555550101",
      "phone_mobile": "5555550100"
    }
  },
  "ledger": {
    "api_key": "lk_live_abc123xyz",
    "user_id": "usr_00456",
    "entity_type": "program",
    "entity_id": "ent_00789"
  },
  "timestamp": 1576099257,
  "version": 11
}
'
{
  "status": 100,
  "client_message": "Success",
  "data": {
    "estimated_posting_time": "Payment will post within 5 minutes.",
    "estimated_posting_date": "04/21/2026",
    "transaction_id": 2361525,
    "request_timestamp": 1576099632,
    "customer_account_token": "ca875cce-58c0-46a0-8f14-676190cc7df6",
    "participant_unique_id1": "1f2739ed-3531-4af2-ae36-e6faf7936462",
    "participant_unique_id2": "90759390-01c7-47e7-8a90-6faa89b18ff6"
  },
  "time": "1.1275"
}

Authorizations

​
Authorization
string
header
required

HMAC-SHA512 signed Authorization header. See the Authentication page for the complete signing guide.

Body

application/json
​
participant_id
integer
required

Unique participant identifier assigned by Ingo.

Example:

12345

​
account_type
enum<string>
required

Always CA for card-based (debit or credit) disbursements.

Available options:
CA
Minimum string length: 1
Example:

"CA"

​
amount
number<float>
required

Amount of the transaction.

Required range: x >= 0.01
Example:

1010.5

​
customer_account_token
string
required

Token representing the account number and customer data as provided in the response from a previous Verify API call. When provided, raw account fields (account, expiration_date, recipient_first_name, recipient_last_name, recipient_address1, recipient_city, recipient_state, recipient_zip) must be omitted.

Required string length: 1 - 255
Example:

"ca875cce-58c0-46a0-8f14-676190cc7df6"

​
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

​
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:

"1f2739ed-3531-4af2-ae36-e6faf7936462"

​
timestamp
integer<int64>
required

Unix timestamp of the request.

Example:

1576099257

​
version
integer
required

API version of the request. Current version is 11.

Example:

11

​
recipient_phone
string

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:

"90759390-01c7-47e7-8a90-6faa89b18ff6"

​
sender
object

Data about the transaction sender. Required for clients using sender data.

​
ledger
object

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

​
store_id
string

Client-assigned store ID. Required if participant is configured for retail card-present.

Maximum string length: 255
Example:

"STORE-001"

​
terminal_id
string

Client-assigned terminal ID. Required if participant is configured for retail card-present.

Maximum string length: 255
Example:

"TERM-001"

​
clerk_id
string

Client-assigned clerk ID. Required if participant is configured for retail card-present.

Maximum string length: 255
Example:

"CLERK-001"

Response

Payment accepted successfully

​
status
integer

Numeric code describing the status of the API request. 100 = Success, 102 = Success - Pending Issuer Response, 130 = Success - OFAC Suspended.

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:

"1.1275"