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POST
/
gateway
/
verify--ach
Verify and tokenize a bank account (ACH / RTP)
curl --request POST \
  --url https://payapi-sandbox.ingo.money/gateway/verify--ach \
  --header 'Authorization: <api-key>' \
  --header 'Content-Type: application/json' \
  --data '
{
  "participant_id": 12345,
  "account_type": "AC",
  "version": 11,
  "timestamp": 1576100326,
  "participant_unique_id1": "5bf1e2c3-2169-406f-bf1b-f7bc5c2303b3",
  "account": "22222222",
  "routing_number": "011000015",
  "recipient_first_name": "Alex",
  "recipient_last_name": "Rivera",
  "recipient_address1": "100 Innovation Way",
  "recipient_address2": "Apt 2",
  "recipient_city": "Anytown",
  "recipient_state": "GA",
  "recipient_zip": "00000",
  "recipient_phone": 1231231234,
  "amount": 1010.5,
  "fi_account_type": "1",
  "fi_account_classification": "1",
  "recipient_business_name": "Skywalker Enterprises",
  "participant_unique_id2": "80525360-dae4-4d0f-9f5c-e09f3fdcf7c8"
}
'
import requests

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

payload = {
    "participant_id": 12345,
    "account_type": "AC",
    "version": 11,
    "timestamp": 1576100326,
    "participant_unique_id1": "5bf1e2c3-2169-406f-bf1b-f7bc5c2303b3",
    "account": "22222222",
    "routing_number": "011000015",
    "recipient_first_name": "Alex",
    "recipient_last_name": "Rivera",
    "recipient_address1": "100 Innovation Way",
    "recipient_address2": "Apt 2",
    "recipient_city": "Anytown",
    "recipient_state": "GA",
    "recipient_zip": "00000",
    "recipient_phone": 1231231234,
    "amount": 1010.5,
    "fi_account_type": "1",
    "fi_account_classification": "1",
    "recipient_business_name": "Skywalker Enterprises",
    "participant_unique_id2": "80525360-dae4-4d0f-9f5c-e09f3fdcf7c8"
}
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: 'AC',
    version: 11,
    timestamp: 1576100326,
    participant_unique_id1: '5bf1e2c3-2169-406f-bf1b-f7bc5c2303b3',
    account: '22222222',
    routing_number: '011000015',
    recipient_first_name: 'Alex',
    recipient_last_name: 'Rivera',
    recipient_address1: '100 Innovation Way',
    recipient_address2: 'Apt 2',
    recipient_city: 'Anytown',
    recipient_state: 'GA',
    recipient_zip: '00000',
    recipient_phone: 1231231234,
    amount: 1010.5,
    fi_account_type: '1',
    fi_account_classification: '1',
    recipient_business_name: 'Skywalker Enterprises',
    participant_unique_id2: '80525360-dae4-4d0f-9f5c-e09f3fdcf7c8'
  })
};

fetch('https://payapi-sandbox.ingo.money/gateway/verify--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/verify--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',
    'version' => 11,
    'timestamp' => 1576100326,
    'participant_unique_id1' => '5bf1e2c3-2169-406f-bf1b-f7bc5c2303b3',
    'account' => '22222222',
    'routing_number' => '011000015',
    'recipient_first_name' => 'Alex',
    'recipient_last_name' => 'Rivera',
    'recipient_address1' => '100 Innovation Way',
    'recipient_address2' => 'Apt 2',
    'recipient_city' => 'Anytown',
    'recipient_state' => 'GA',
    'recipient_zip' => '00000',
    'recipient_phone' => 1231231234,
    'amount' => 1010.5,
    'fi_account_type' => '1',
    'fi_account_classification' => '1',
    'recipient_business_name' => 'Skywalker Enterprises',
    'participant_unique_id2' => '80525360-dae4-4d0f-9f5c-e09f3fdcf7c8'
  ]),
  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/verify--ach"

	payload := strings.NewReader("{\n  \"participant_id\": 12345,\n  \"account_type\": \"AC\",\n  \"version\": 11,\n  \"timestamp\": 1576100326,\n  \"participant_unique_id1\": \"5bf1e2c3-2169-406f-bf1b-f7bc5c2303b3\",\n  \"account\": \"22222222\",\n  \"routing_number\": \"011000015\",\n  \"recipient_first_name\": \"Alex\",\n  \"recipient_last_name\": \"Rivera\",\n  \"recipient_address1\": \"100 Innovation Way\",\n  \"recipient_address2\": \"Apt 2\",\n  \"recipient_city\": \"Anytown\",\n  \"recipient_state\": \"GA\",\n  \"recipient_zip\": \"00000\",\n  \"recipient_phone\": 1231231234,\n  \"amount\": 1010.5,\n  \"fi_account_type\": \"1\",\n  \"fi_account_classification\": \"1\",\n  \"recipient_business_name\": \"Skywalker Enterprises\",\n  \"participant_unique_id2\": \"80525360-dae4-4d0f-9f5c-e09f3fdcf7c8\"\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/verify--ach")
  .header("Authorization", "<api-key>")
  .header("Content-Type", "application/json")
  .body("{\n  \"participant_id\": 12345,\n  \"account_type\": \"AC\",\n  \"version\": 11,\n  \"timestamp\": 1576100326,\n  \"participant_unique_id1\": \"5bf1e2c3-2169-406f-bf1b-f7bc5c2303b3\",\n  \"account\": \"22222222\",\n  \"routing_number\": \"011000015\",\n  \"recipient_first_name\": \"Alex\",\n  \"recipient_last_name\": \"Rivera\",\n  \"recipient_address1\": \"100 Innovation Way\",\n  \"recipient_address2\": \"Apt 2\",\n  \"recipient_city\": \"Anytown\",\n  \"recipient_state\": \"GA\",\n  \"recipient_zip\": \"00000\",\n  \"recipient_phone\": 1231231234,\n  \"amount\": 1010.5,\n  \"fi_account_type\": \"1\",\n  \"fi_account_classification\": \"1\",\n  \"recipient_business_name\": \"Skywalker Enterprises\",\n  \"participant_unique_id2\": \"80525360-dae4-4d0f-9f5c-e09f3fdcf7c8\"\n}")
  .asString();
require 'uri'
require 'net/http'

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

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\": \"AC\",\n  \"version\": 11,\n  \"timestamp\": 1576100326,\n  \"participant_unique_id1\": \"5bf1e2c3-2169-406f-bf1b-f7bc5c2303b3\",\n  \"account\": \"22222222\",\n  \"routing_number\": \"011000015\",\n  \"recipient_first_name\": \"Alex\",\n  \"recipient_last_name\": \"Rivera\",\n  \"recipient_address1\": \"100 Innovation Way\",\n  \"recipient_address2\": \"Apt 2\",\n  \"recipient_city\": \"Anytown\",\n  \"recipient_state\": \"GA\",\n  \"recipient_zip\": \"00000\",\n  \"recipient_phone\": 1231231234,\n  \"amount\": 1010.5,\n  \"fi_account_type\": \"1\",\n  \"fi_account_classification\": \"1\",\n  \"recipient_business_name\": \"Skywalker Enterprises\",\n  \"participant_unique_id2\": \"80525360-dae4-4d0f-9f5c-e09f3fdcf7c8\"\n}"

response = http.request(request)
puts response.read_body
{
  "status": 100,
  "client_message": "Success",
  "data": {
    "customer_account_token": "89421718-a62e-4344-8a1d-4baf73fb11f1",
    "last_4": "2222",
    "request_timestamp": 1576100403,
    "issuers": [
      {
        "payee_id": "550333",
        "payee_name": "Test Bank",
        "payee_address": null,
        "payee_city": null,
        "payee_state": null,
        "payee_zip": null,
        "credit_info": {
          "min": "0.10",
          "max": "1000.00",
          "card_type": "DDA",
          "estimated_posting_time": "Payment will post 04/22/2026",
          "estimated_posting_date": "04/22/2026"
        },
        "issuing_network": "NA",
        "credit_enabled": 1,
        "debit_enabled": 0
      }
    ],
    "participant_unique_id1": "5bf1e2c3-2169-406f-bf1b-f7bc5c2303b3",
    "participant_unique_id2": "80525360-dae4-4d0f-9f5c-e09f3fdcf7c8",
    "count": 1
  },
  "time": "1.0263"
}
{
  "status": 700,
  "client_message": "Account not currently available for payment",
  "data": {
    "request_timestamp": 1576100403
  }
}

Authorizations

​
Authorization
string
header
required

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

Body

application/json

Provide either customer_account_token or the raw account fields (account, routing_number, recipient_first_name, recipient_last_name, recipient_address1, recipient_city, recipient_state, recipient_zip) — never both.

​
participant_id
integer
required

Unique participant identifier assigned by Ingo.

Example:

12345

​
account_type
enum<string>
required

Value should be set to AC for Standard ACH / RTP or SD for Same-Day ACH.

Available options:
AC,
SD
Minimum string length: 1
Example:

"AC"

​
version
integer
required

API version of the request. Current version is 11.

Example:

11

​
timestamp
integer<int64>
required

Unix timestamp of the request.

Example:

1576100326

​
participant_unique_id1
string
required

Participant assigned ID to be associated with customer_account_token creation. Should correlate to participant assigned values affiliated with future process requests for tracking purposes (e.g. CustomerID or AccountID). Must not contain NPI data.

Required string length: 1 - 255
Example:

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

​
account
string

Bank account number. Required unless a valid customer_account_token is provided.

Required string length: 1 - 255
Example:

"22222222"

​
routing_number
string

Bank routing number associated with the account number. Required unless a valid customer_account_token is provided.

Example:

"011000015"

​
customer_account_token
string

Alternative to raw account data when the account was previously tokenized. If provided, the following fields are not required and should be omitted: recipient_first_name, recipient_last_name, account, routing_number, recipient_address1, recipient_city, recipient_state, recipient_zip.

Required string length: 1 - 255
Example:

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

​
recipient_zip
string

Recipient zip code. 5-digit zip or zip+4 in xxxxx-xxxx format. Required unless a valid customer_account_token is provided.

Maximum string length: 10
Pattern: ^[0-9]{5}(?:-[0-9]{4})?$
Example:

"30313"

​
recipient_first_name
string

Recipient first name. Required unless a valid customer_account_token is provided.

Required string length: 1 - 255
Example:

"Luke"

​
recipient_last_name
string

Recipient last name. Required unless a valid customer_account_token is provided.

Required string length: 1 - 255
Example:

"Skywalker"

​
recipient_state
string

Recipient state (standard US postal abbreviation). Required unless a valid customer_account_token is provided.

Required string length: 2
Pattern: ^(?:A[LKSZRAEP]|C[AOT]|D[EC]|F[LM]|G[AU]|HI|I[ADLN]|K[SY]|LA|M[ADEHINOPST]|N[CDEHJMVY]|O[HKR]|P[ARW]|RI|S[CD]|T[NX]|UT|V[AIT]|W[AIVY])$
Example:

"GA"

​
recipient_city
string

Recipient city. Required unless a valid customer_account_token is provided.

Required string length: 1 - 255
Example:

"Atlanta"

​
recipient_address1
string

Recipient address line 1. Required unless a valid customer_account_token is provided.

Required string length: 1 - 255
Example:

"123 Main St."

​
fi_account_type
string

Financial institution account type. Default = 1 (DDA/Checking). 1 = DDA/Checking, 2 = Savings.

Maximum string length: 3
Pattern: ^(1|2)?$
Example:

"1"

​
fi_account_classification
string

Financial institution account classification. Default = 1 (Personal). 1 = Personal, 2 = Business.

Maximum string length: 3
Pattern: ^(1|2)?$
Example:

"1"

​
amount
number<float> | null

Dollar amount of disbursement. Max value determined by participant velocity limits.

Required range: x >= 0.01
Example:

1010.5

​
recipient_phone
integer | null

10-digit recipient phone number.

Example:

1231231234

​
recipient_address2
string | null

Recipient address line 2.

Maximum string length: 255
Example:

"Apt 2"

​
recipient_business_name
string | null

Optional recipient business name.

Maximum string length: 150
Example:

"Skywalker Enterprises"

​
participant_unique_id2
string

Optional second participant assigned ID to be associated with customer_account_token creation. Should be carried forward to future process requests for tracking purposes. Must not contain NPI data.

Maximum string length: 255
Example:

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

​
store_id
string

Client assigned store ID. Required for Retail client participants.

Maximum string length: 255
Example:

"STORE-001"

​
clerk_id
string

Client assigned clerk ID. Required for Retail client participants.

Maximum string length: 255
Example:

"CLK-007"

​
terminal_id
string

Client assigned terminal ID. Required for Retail client participants.

Maximum string length: 255
Example:

"TERM-042"

Response

Verification successful — token returned

​
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:

"1.0263"