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Ingo Payments · Notify — Classic
Notify once. Recipients choose. Ingo delivers.
One API call. Fully managed recipient engagement from notification to funded.
Notify — Classic is a fully managed disbursement engagement product. You submit a single API call with the recipient’s details and disbursement intent — Ingo handles everything that follows. Ingo notifies the recipient, verifies their identity, runs OFAC and compliance screening, presents the payment options you have configured for your program, tokenizes their chosen account, and delivers the funds. You receive real-time webhook updates at every stage. Your integration scope is two endpoints: one to stage the notification, and one to cancel it if needed before the recipient has claimed. The payment options presented to a recipient are determined entirely by your program configuration. You elect which payment types to support — card, ACH, check, PayPal, Venmo — and optionally set amount-based thresholds for each. When a disbursement is staged, Ingo automatically filters the available options to only those your program supports at or above the transaction amount, ensuring recipients are only shown choices that are valid for their specific disbursement.
SMS delivery options — Notify can send recipient notifications via SMS through Ingo-managed delivery or through your own SMS infrastructure. With Ingo-managed SMS, Ingo sends directly to recipients and manages consent collection — though notifications identify Ingo as the sender rather than your brand. Many clients integrate their own SMS platform for full brand control, directing recipients to the Ingo-hosted disbursement URL. Both approaches are supported. See Custom Domain & DNS Setup for details, or ask your Integration Manager which approach fits your program.

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How It Works

Recipient Notification

You stage a notification with recipient details and disbursement amount. Ingo immediately contacts the recipient via SMS and email with a secure, branded prompt to claim their funds — no recipient-facing UI for you to build or host.

Identity & Compliance Screening

As the recipient engages, Ingo automatically performs identity verification and OFAC screening based on your configured risk profile. Approved recipients proceed to payment selection; flagged transactions are held and surfaced via webhook for your review.

Payment Method Selection

The recipient selects their preferred payment method from the options your program has enabled. Amount-based thresholds are enforced automatically — payment types below your configured limits for the disbursement amount are not presented, ensuring every selection is within your approved parameters.

Disbursement & Real-Time Updates

Ingo processes the payment to the recipient’s chosen account and posts real-time webhook events to your endpoint at every status change — from notification sent through identity screening, account tokenization, and final payment confirmation.

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API Reference

Notify — Classic exposes two endpoints. Stage initiates the full managed lifecycle; Cancel terminates it at any point before the recipient has claimed the disbursement.

Notify — Stage

Submit a recipient notification and disbursement intent. Ingo immediately begins the managed engagement lifecycle on your behalf.

Notify — Cancel

Cancel a previously staged notification before the recipient has claimed their disbursement. Once claimed, cancellation is no longer available.

Looking for multi-party orchestration?

Notify — Managed Parties builds on everything in Classic and adds full party orchestration across recipients, approvers, and joint recipients — with role delegation and engagement lifecycle management. It supports single-recipient disbursements as well, making it the preferred choice for new integrations.