> ## Documentation Index
> Fetch the complete documentation index at: https://developers.ingopayments.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Notify — Classic

> Managed single-recipient disbursement engagement. One API call triggers the full lifecycle — recipient notification, identity verification, compliance screening, payment selection, and delivery.

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    Ingo Payments · Notify — Classic
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    Notify once. <span style={{ color: "#23ad4b" }}>Recipients choose.</span> Ingo delivers.
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    One API call. Fully managed recipient engagement from notification to funded.
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    <a href="/docs/notify-classic/quick-start" style={{
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    <a href="/docs/hub/authentication" style={{
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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.

<Note>
  **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](/docs/hub/domain-setup#sms-delivery-options) for details, or ask your Integration Manager which approach fits your program.
</Note>

***

## How It Works

<CardGroup cols={2}>
  <Card title="Recipient Notification" icon="bell">
    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.
  </Card>

  <Card title="Identity & Compliance Screening" icon="shield-halved">
    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.
  </Card>

  <Card title="Payment Method Selection" icon="hand-pointer">
    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.
  </Card>

  <Card title="Disbursement & Real-Time Updates" icon="circle-check">
    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.
  </Card>
</CardGroup>

***

## 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.

<CardGroup cols={2}>
  <Card title="Notify — Stage" icon="paper-plane">
    Submit a recipient notification and disbursement intent. Ingo immediately begins
    the managed engagement lifecycle on your behalf.

    <div style={{ display: "flex", gap: "8px", marginTop: "16px", flexWrap: "wrap" }}>
      <a href="/docs/notify-classic/notify/stage" className="spec-btn">Stage Disbursement</a>
    </div>
  </Card>

  <Card title="Notify — Cancel" icon="circle-xmark">
    Cancel a previously staged notification before the recipient has claimed their
    disbursement. Once claimed, cancellation is no longer available.

    <div style={{ display: "flex", gap: "8px", marginTop: "16px", flexWrap: "wrap" }}>
      <a href="/docs/notify-classic/notify/cancel" className="spec-btn">Cancel Disbursement</a>
    </div>
  </Card>
</CardGroup>

***

<Card title="Looking for multi-party orchestration?" icon="users" href="/docs/notify-managed/overview">
  **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.
</Card>