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POST
/
gateway
/
v3
/
notify
Submit a notification of payment intent
curl --request POST \
  --url https://payapi-sandbox.ingo.money/gateway/v3/notify \
  --header 'Authorization: <api-key>' \
  --header 'Content-Type: application/json' \
  --data '
{
  "participant_id": 12345,
  "amount": "250.00",
  "workflow_id": 1,
  "participant_unique_id1": "a4f1b2c3-d456-789e-f012-34567890abcd",
  "participant_unique_id2": "b5e2c3d4-e567-890f-a123-456789012345",
  "tracer_id": "trc-20260422-001",
  "recipient": {
    "customer_id": "cust-001",
    "first_name": "Alex",
    "last_name": "Rivera",
    "email": "johnny.rockets@example.com",
    "mobile": "5555550100",
    "address1": "100 Innovation Way",
    "address2": "",
    "city": "Anytown",
    "state": "GA",
    "zip": "00000",
    "phone": "5555550100"
  },
  "authentication_records": [
    {
      "field_label": "Last 4 SSN",
      "field_order": 1,
      "validation_type": 1,
      "match_failure_type": 1,
      "value_format": "XXXX",
      "client_provided_value": "1234"
    }
  ],
  "notification_records": [
    {
      "field_label": "Account",
      "client_provided_value": "Checking Account ending 5678"
    }
  ]
}
'
import requests

url = "https://payapi-sandbox.ingo.money/gateway/v3/notify"

payload = {
    "participant_id": 12345,
    "amount": "250.00",
    "workflow_id": 1,
    "participant_unique_id1": "a4f1b2c3-d456-789e-f012-34567890abcd",
    "participant_unique_id2": "b5e2c3d4-e567-890f-a123-456789012345",
    "tracer_id": "trc-20260422-001",
    "recipient": {
        "customer_id": "cust-001",
        "first_name": "Alex",
        "last_name": "Rivera",
        "email": "johnny.rockets@example.com",
        "mobile": "5555550100",
        "address1": "100 Innovation Way",
        "address2": "",
        "city": "Anytown",
        "state": "GA",
        "zip": "00000",
        "phone": "5555550100"
    },
    "authentication_records": [
        {
            "field_label": "Last 4 SSN",
            "field_order": 1,
            "validation_type": 1,
            "match_failure_type": 1,
            "value_format": "XXXX",
            "client_provided_value": "1234"
        }
    ],
    "notification_records": [
        {
            "field_label": "Account",
            "client_provided_value": "Checking Account ending 5678"
        }
    ]
}
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,
    amount: '250.00',
    workflow_id: 1,
    participant_unique_id1: 'a4f1b2c3-d456-789e-f012-34567890abcd',
    participant_unique_id2: 'b5e2c3d4-e567-890f-a123-456789012345',
    tracer_id: 'trc-20260422-001',
    recipient: {
      customer_id: 'cust-001',
      first_name: 'Alex',
      last_name: 'Rivera',
      email: 'johnny.rockets@example.com',
      mobile: '5555550100',
      address1: '100 Innovation Way',
      address2: '',
      city: 'Anytown',
      state: 'GA',
      zip: '00000',
      phone: '5555550100'
    },
    authentication_records: [
      {
        field_label: 'Last 4 SSN',
        field_order: 1,
        validation_type: 1,
        match_failure_type: 1,
        value_format: 'XXXX',
        client_provided_value: '1234'
      }
    ],
    notification_records: [
      {field_label: 'Account', client_provided_value: 'Checking Account ending 5678'}
    ]
  })
};

fetch('https://payapi-sandbox.ingo.money/gateway/v3/notify', 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/v3/notify",
  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,
    'amount' => '250.00',
    'workflow_id' => 1,
    'participant_unique_id1' => 'a4f1b2c3-d456-789e-f012-34567890abcd',
    'participant_unique_id2' => 'b5e2c3d4-e567-890f-a123-456789012345',
    'tracer_id' => 'trc-20260422-001',
    'recipient' => [
        'customer_id' => 'cust-001',
        'first_name' => 'Alex',
        'last_name' => 'Rivera',
        'email' => 'johnny.rockets@example.com',
        'mobile' => '5555550100',
        'address1' => '100 Innovation Way',
        'address2' => '',
        'city' => 'Anytown',
        'state' => 'GA',
        'zip' => '00000',
        'phone' => '5555550100'
    ],
    'authentication_records' => [
        [
                'field_label' => 'Last 4 SSN',
                'field_order' => 1,
                'validation_type' => 1,
                'match_failure_type' => 1,
                'value_format' => 'XXXX',
                'client_provided_value' => '1234'
        ]
    ],
    'notification_records' => [
        [
                'field_label' => 'Account',
                'client_provided_value' => 'Checking Account ending 5678'
        ]
    ]
  ]),
  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/v3/notify"

	payload := strings.NewReader("{\n  \"participant_id\": 12345,\n  \"amount\": \"250.00\",\n  \"workflow_id\": 1,\n  \"participant_unique_id1\": \"a4f1b2c3-d456-789e-f012-34567890abcd\",\n  \"participant_unique_id2\": \"b5e2c3d4-e567-890f-a123-456789012345\",\n  \"tracer_id\": \"trc-20260422-001\",\n  \"recipient\": {\n    \"customer_id\": \"cust-001\",\n    \"first_name\": \"Alex\",\n    \"last_name\": \"Rivera\",\n    \"email\": \"johnny.rockets@example.com\",\n    \"mobile\": \"5555550100\",\n    \"address1\": \"100 Innovation Way\",\n    \"address2\": \"\",\n    \"city\": \"Anytown\",\n    \"state\": \"GA\",\n    \"zip\": \"00000\",\n    \"phone\": \"5555550100\"\n  },\n  \"authentication_records\": [\n    {\n      \"field_label\": \"Last 4 SSN\",\n      \"field_order\": 1,\n      \"validation_type\": 1,\n      \"match_failure_type\": 1,\n      \"value_format\": \"XXXX\",\n      \"client_provided_value\": \"1234\"\n    }\n  ],\n  \"notification_records\": [\n    {\n      \"field_label\": \"Account\",\n      \"client_provided_value\": \"Checking Account ending 5678\"\n    }\n  ]\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/v3/notify")
  .header("Authorization", "<api-key>")
  .header("Content-Type", "application/json")
  .body("{\n  \"participant_id\": 12345,\n  \"amount\": \"250.00\",\n  \"workflow_id\": 1,\n  \"participant_unique_id1\": \"a4f1b2c3-d456-789e-f012-34567890abcd\",\n  \"participant_unique_id2\": \"b5e2c3d4-e567-890f-a123-456789012345\",\n  \"tracer_id\": \"trc-20260422-001\",\n  \"recipient\": {\n    \"customer_id\": \"cust-001\",\n    \"first_name\": \"Alex\",\n    \"last_name\": \"Rivera\",\n    \"email\": \"johnny.rockets@example.com\",\n    \"mobile\": \"5555550100\",\n    \"address1\": \"100 Innovation Way\",\n    \"address2\": \"\",\n    \"city\": \"Anytown\",\n    \"state\": \"GA\",\n    \"zip\": \"00000\",\n    \"phone\": \"5555550100\"\n  },\n  \"authentication_records\": [\n    {\n      \"field_label\": \"Last 4 SSN\",\n      \"field_order\": 1,\n      \"validation_type\": 1,\n      \"match_failure_type\": 1,\n      \"value_format\": \"XXXX\",\n      \"client_provided_value\": \"1234\"\n    }\n  ],\n  \"notification_records\": [\n    {\n      \"field_label\": \"Account\",\n      \"client_provided_value\": \"Checking Account ending 5678\"\n    }\n  ]\n}")
  .asString();
require 'uri'
require 'net/http'

url = URI("https://payapi-sandbox.ingo.money/gateway/v3/notify")

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  \"amount\": \"250.00\",\n  \"workflow_id\": 1,\n  \"participant_unique_id1\": \"a4f1b2c3-d456-789e-f012-34567890abcd\",\n  \"participant_unique_id2\": \"b5e2c3d4-e567-890f-a123-456789012345\",\n  \"tracer_id\": \"trc-20260422-001\",\n  \"recipient\": {\n    \"customer_id\": \"cust-001\",\n    \"first_name\": \"Alex\",\n    \"last_name\": \"Rivera\",\n    \"email\": \"johnny.rockets@example.com\",\n    \"mobile\": \"5555550100\",\n    \"address1\": \"100 Innovation Way\",\n    \"address2\": \"\",\n    \"city\": \"Anytown\",\n    \"state\": \"GA\",\n    \"zip\": \"00000\",\n    \"phone\": \"5555550100\"\n  },\n  \"authentication_records\": [\n    {\n      \"field_label\": \"Last 4 SSN\",\n      \"field_order\": 1,\n      \"validation_type\": 1,\n      \"match_failure_type\": 1,\n      \"value_format\": \"XXXX\",\n      \"client_provided_value\": \"1234\"\n    }\n  ],\n  \"notification_records\": [\n    {\n      \"field_label\": \"Account\",\n      \"client_provided_value\": \"Checking Account ending 5678\"\n    }\n  ]\n}"

response = http.request(request)
puts response.read_body
{
  "status": 100,
  "client_message": "Success",
  "data": {
    "notification_id": 9876543,
    "tracer_id": "trc-20260422-001",
    "participant_unique_id1": "PARTNER-REF-001",
    "participant_unique_id2": "PARTNER-REF-002",
    "request_timestamp": 1700000000
  },
  "time": "0.85"
}
{
  "status": 400,
  "client_message": "Validation Error",
  "data": {
    "errors": {
      "recipient.email": "Field is required"
    },
    "participant_unique_id1": "PARTNER-REF-001",
    "participant_unique_id2": "PARTNER-REF-002",
    "request_timestamp": 1700000000
  },
  "time": "0.85"
}

Authorizations

​
Authorization
string
header
required

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

Body

application/json

authentication_records[] is required by default but may be optional based on client OTAC configuration. recipient.mobile conditionality depends on OTAC configuration.

​
participant_id
integer
required

Unique participant identifier assigned by Ingo.

Example:

12345

​
amount
string
required

Dollar amount of the disbursement. Must be greater than 0 with a maximum of 2 decimal places.

Maximum string length: 10
Example:

"250.00"

​
workflow_id
integer
required

Ingo-assigned workflow identifier that determines the disbursement flow configuration. Defaults to 1 if not otherwise specified by your Ingo integration manager.

Example:

1

​
participant_unique_id1
string
required

Participant assigned transaction ID. Must be unique. Used for idempotency — a duplicate value returns an idempotent response. Appears on daily reconciliation reports.

Required string length: 1 - 100
Example:

"a4f1b2c3-d456-789e-f012-34567890abcd"

​
recipient
object
required

Information about the disbursement recipient. Provide either first_name + last_name or business_name — not both. business_name requires client-level configuration. mobile conditionality depends on OTAC configuration.

​
participant_unique_id2
string | null

Optional second participant assigned transaction ID.

Maximum string length: 100
Example:

"b5e2c3d4-e567-890f-a123-456789012345"

​
authentication_records
object[]

Array of authentication challenge records used to verify the recipient's identity before releasing the disbursement. Required by default — may be optional based on client OTAC configuration. Maximum 20 records.

Required array length: 1 - 20 elements
​
notification_records
object[] | null

Optional array of supplemental notification records displayed in the recipient notification. Certain records may be required based on client configuration.

​
language
enum<string> | null

IETF locale code specifying the language for the notification. Conditional on alternate_language_enabled client configuration.

Available options:
ar-SA,
cs-CZ,
da-DK,
de-DE,
en-GB,
en-US,
es-ES,
es-US,
fa-IR,
fi-FI,
fr-FR,
hmn-Latn,
it-IT,
ja-JP,
km-KH,
ko-KR,
nb-NO,
nl-NL,
pl-PL,
pt-BR,
ru-RU,
sv-SE,
tl-PH,
tr-TR,
vi-VN,
zh-CN,
zh-Hans,
zh-TW
Maximum string length: 8
Example:

"en-US"

​
document_link
string | null

Optional URL to a document to be embedded in the recipient notification. Required when the client is configured for document embedding (document_embedding_enabled).

Maximum string length: 2048
Example:

"https://example.com/documents/agreement.pdf"

Response

Notification submitted 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

Response data for the staged notification.

​
time
string

Server-side request processing time in seconds.

Example:

"0.85"