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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
}
'
import requests

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

payload = {
    "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
}
headers = {
    "Authorization": "<api-key>",
    "Content-Type": "application/json"
}

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

print(response.text)
const options = {
  method: 'POST',
  headers: {Authorization: '<api-key>', 'Content-Type': 'application/json'},
  body: JSON.stringify({
    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
  })
};

fetch('https://payapi-sandbox.ingo.money/gateway/process--card', 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--card",
  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' => '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
  ]),
  CURLOPT_HTTPHEADER => [
    "Authorization: <api-key>",
    "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--card"

	payload := strings.NewReader("{\n  \"participant_id\": 12345,\n  \"account_type\": \"CA\",\n  \"amount\": 1010.5,\n  \"customer_account_token\": \"ca875cce-58c0-46a0-8f14-676190cc7df6\",\n  \"source_of_funds\": 4,\n  \"recipient_phone\": \"1231231234\",\n  \"participant_unique_id1\": \"1f2739ed-3531-4af2-ae36-e6faf7936462\",\n  \"participant_unique_id2\": \"90759390-01c7-47e7-8a90-6faa89b18ff6\",\n  \"sender\": {\n    \"sender_account\": \"ACC-00123456\",\n    \"name_personal\": {\n      \"first_name\": \"Alex\",\n      \"last_name\": \"Rivera\"\n    },\n    \"contact_address\": {\n      \"address1\": \"100 Innovation Way\",\n      \"address2\": \"\",\n      \"city\": \"Anytown\",\n      \"state\": \"GA\",\n      \"zip\": \"00000\"\n    },\n    \"contact_telcom\": {\n      \"email\": \"jane.doe@example.com\",\n      \"phone_home\": \"5555550101\",\n      \"phone_mobile\": \"5555550100\"\n    }\n  },\n  \"ledger\": {\n    \"api_key\": \"lk_live_abc123xyz\",\n    \"user_id\": \"usr_00456\",\n    \"entity_type\": \"program\",\n    \"entity_id\": \"ent_00789\"\n  },\n  \"timestamp\": 1576099257,\n  \"version\": 11\n}")

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

	req.Header.Add("Authorization", "<api-key>")
	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--card")
  .header("Authorization", "<api-key>")
  .header("Content-Type", "application/json")
  .body("{\n  \"participant_id\": 12345,\n  \"account_type\": \"CA\",\n  \"amount\": 1010.5,\n  \"customer_account_token\": \"ca875cce-58c0-46a0-8f14-676190cc7df6\",\n  \"source_of_funds\": 4,\n  \"recipient_phone\": \"1231231234\",\n  \"participant_unique_id1\": \"1f2739ed-3531-4af2-ae36-e6faf7936462\",\n  \"participant_unique_id2\": \"90759390-01c7-47e7-8a90-6faa89b18ff6\",\n  \"sender\": {\n    \"sender_account\": \"ACC-00123456\",\n    \"name_personal\": {\n      \"first_name\": \"Alex\",\n      \"last_name\": \"Rivera\"\n    },\n    \"contact_address\": {\n      \"address1\": \"100 Innovation Way\",\n      \"address2\": \"\",\n      \"city\": \"Anytown\",\n      \"state\": \"GA\",\n      \"zip\": \"00000\"\n    },\n    \"contact_telcom\": {\n      \"email\": \"jane.doe@example.com\",\n      \"phone_home\": \"5555550101\",\n      \"phone_mobile\": \"5555550100\"\n    }\n  },\n  \"ledger\": {\n    \"api_key\": \"lk_live_abc123xyz\",\n    \"user_id\": \"usr_00456\",\n    \"entity_type\": \"program\",\n    \"entity_id\": \"ent_00789\"\n  },\n  \"timestamp\": 1576099257,\n  \"version\": 11\n}")
  .asString();
require 'uri'
require 'net/http'

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

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

request = Net::HTTP::Post.new(url)
request["Authorization"] = '<api-key>'
request["Content-Type"] = 'application/json'
request.body = "{\n  \"participant_id\": 12345,\n  \"account_type\": \"CA\",\n  \"amount\": 1010.5,\n  \"customer_account_token\": \"ca875cce-58c0-46a0-8f14-676190cc7df6\",\n  \"source_of_funds\": 4,\n  \"recipient_phone\": \"1231231234\",\n  \"participant_unique_id1\": \"1f2739ed-3531-4af2-ae36-e6faf7936462\",\n  \"participant_unique_id2\": \"90759390-01c7-47e7-8a90-6faa89b18ff6\",\n  \"sender\": {\n    \"sender_account\": \"ACC-00123456\",\n    \"name_personal\": {\n      \"first_name\": \"Alex\",\n      \"last_name\": \"Rivera\"\n    },\n    \"contact_address\": {\n      \"address1\": \"100 Innovation Way\",\n      \"address2\": \"\",\n      \"city\": \"Anytown\",\n      \"state\": \"GA\",\n      \"zip\": \"00000\"\n    },\n    \"contact_telcom\": {\n      \"email\": \"jane.doe@example.com\",\n      \"phone_home\": \"5555550101\",\n      \"phone_mobile\": \"5555550100\"\n    }\n  },\n  \"ledger\": {\n    \"api_key\": \"lk_live_abc123xyz\",\n    \"user_id\": \"usr_00456\",\n    \"entity_type\": \"program\",\n    \"entity_id\": \"ent_00789\"\n  },\n  \"timestamp\": 1576099257,\n  \"version\": 11\n}"

response = http.request(request)
puts response.read_body
{
  "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"
}
{
  "status": 400,
  "client_message": "Validation Error",
  "data": {
    "request_timestamp": 1576099632
  }
}

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"