# Ingo Payments Developer Hub

> Ingo Payments Developer Hub — APIs, SDKs, and integration guides.

## Docs

- [Get Balance](https://developers.ingopayments.com/docs/banking/accounts/get-balance.md): Retrieve the current balance of a user, business, or program routable account.
- [Issue Routable Bank Account](https://developers.ingopayments.com/docs/banking/accounts/issue-rba.md): Issue a routable bank account with a real account and routing number to a user or business.
- [Link External Bank Account](https://developers.ingopayments.com/docs/banking/accounts/link-bank-account.md): Link an external bank account via Plaid or direct entry for top-ups and payouts.
- [Authentication](https://developers.ingopayments.com/docs/banking/authentication.md): HMAC-SHA512 request signing for the Ingo Banking Platform API.
- [Activate Card](https://developers.ingopayments.com/docs/banking/cards/activate.md): Activate a card that is in unactivated status.
- [Issue Card](https://developers.ingopayments.com/docs/banking/cards/issue.md): Issue a virtual or physical debit card to a user or business.
- [Manage Cards](https://developers.ingopayments.com/docs/banking/cards/manage.md): Freeze, unfreeze, and reissue cards. Note: reissuing with reuse_pan: false auto-terminates the existing card.
- [Book Transfer](https://developers.ingopayments.com/docs/banking/money/book-transfer.md): Transfer funds between two routable accounts within your program — no external rail.
- [Payout](https://developers.ingopayments.com/docs/banking/money/payout.md): Send funds from a routable account to an external bank account.
- [Top-Up](https://developers.ingopayments.com/docs/banking/money/top-up.md): Fund a routable account from a linked external bank account.
- [Create Business](https://developers.ingopayments.com/docs/banking/onboarding/create-business.md): Create a business entity and link it to a representative user.
- [Create User](https://developers.ingopayments.com/docs/banking/onboarding/create-user.md): Create an individual user entity within your program.
- [Verify Business (KYB)](https://developers.ingopayments.com/docs/banking/onboarding/verify-business.md): Submit a KYB verification request for a business.
- [Verify User (KYC)](https://developers.ingopayments.com/docs/banking/onboarding/verify-user.md): Submit a KYC verification request for a user.
- [Banking Platform Overview](https://developers.ingopayments.com/docs/banking/overview.md): Full Banking-as-a-Service API — routable bank accounts, debit cards, KYC/KYB, and ledger management for fintech programs. Live with beta clients and scaling rapidly.
- [Quick Start](https://developers.ingopayments.com/docs/banking/quick-start.md): Create a user, complete KYC verification, and issue a routable bank account.
- [Banking Platform Webhooks](https://developers.ingopayments.com/docs/banking/webhooks/overview.md): Webhook events for the Ingo Banking Platform — KYC/KYB verification, transaction updates, card lifecycle, and payment intent status changes.
- [Best Practices](https://developers.ingopayments.com/docs/hub/best-practices.md): Recommended patterns for idempotency, error handling, retry logic, webhook processing, and security.
- [Compliance](https://developers.ingopayments.com/docs/hub/compliance.md): PCI DSS, OFAC, SOC 2, and other compliance requirements applicable to your Ingo Payments integration.
- [Guides](https://developers.ingopayments.com/docs/hub/guides.md): End-to-end implementation guides covering authentication, webhooks, error handling, and integration patterns across all Ingo products.
- [Industry Use Cases](https://developers.ingopayments.com/docs/hub/industry-use-cases.md): Integration patterns and case studies across payroll, gig economy, insurance, lending, gaming, and property management.
- [Legal](https://developers.ingopayments.com/docs/hub/legal.md): Terms of service, agreements, and legal documentation governing your integration with Ingo Payments.
- [Developer Hub](https://developers.ingopayments.com/docs/hub/overview.md): APIs, SDKs, and integration guides for every stage of your build — from first call to production launch.
- [Partnership Onboarding](https://developers.ingopayments.com/docs/hub/partnership-onboarding.md): What to expect from your first conversation with Ingo Payments through to live disbursements — timelines, phases, and key milestones.
- [Product & Risk Configurations](https://developers.ingopayments.com/docs/hub/product-risk-configurations.md): Configuration options for CVV enablement, RVDM field weights, OFAC settings, authentication modes, and other client-level risk controls.
- [Quick Start](https://developers.ingopayments.com/docs/hub/quick-start.md): Make your first successful Ingo Payments API call — credentials, authentication, and your first verify and process request.
- [Recipes](https://developers.ingopayments.com/docs/hub/recipes.md): Copy-paste patterns for the most common integration flows — push to card, ACH disbursement, iFrame tokenization, Notify staging, and more.
- [Reporting](https://developers.ingopayments.com/docs/hub/reporting.md): Transaction reporting, reconciliation, and data export options available to Ingo Payments clients.
- [SDKs](https://developers.ingopayments.com/docs/hub/sdks.md): Client libraries and SDK documentation for integrating Ingo Payments into your platform.
- [Testing](https://developers.ingopayments.com/docs/hub/testing.md): Sandbox environment setup, test credentials, test card numbers, and strategies for validating your integration before go-live.
- [Authentication](https://developers.ingopayments.com/docs/iframe/authentication.md): HMAC-SHA512 request signing for the Embedded Account Capture Session API.
- [Embedded Account Capture Overview](https://developers.ingopayments.com/docs/iframe/overview.md): PCI-compliant iFrame SDK for recipient account tokenization. Zero card data on your servers — Ingo returns a customer_account_token for future process calls.
- [Quick Start](https://developers.ingopayments.com/docs/iframe/quick-start.md): Create a session, mount the iFrame SDK, and receive a customer_account_token via webhook.
- [Create Session](https://developers.ingopayments.com/docs/iframe/session/create.md): Initialize a point-in-time iFrame session. Returns an authorized_url for mounting the SDK.
- [iFrame Webhooks](https://developers.ingopayments.com/docs/iframe/webhooks/overview.md): Webhook events delivered by Ingo during and after iFrame SDK interactions — recipient verification, account verification, tokenization, and payment returns.
- [Biller Search](https://developers.ingopayments.com/docs/ingopay/ancillary/biller-search.md): Search for available billers and retrieve the payee_id required for BillPay verify.
- [Check Cancel](https://developers.ingopayments.com/docs/ingopay/ancillary/check-cancel.md): Cancel an Ingo-issued check in routed or check_issued status.
- [Check Stop](https://developers.ingopayments.com/docs/ingopay/ancillary/check-stop.md): Request a stop payment on an Ingo-issued check in check_issued status.
- [Authentication](https://developers.ingopayments.com/docs/ingopay/authentication.md): HMAC-SHA512 request signing for the IngoPay API — credentials, signature construction, and header format.
- [Debit Process — ACH](https://developers.ingopayments.com/docs/ingopay/debit/process-ach.md): Pull funds from a bank account via Standard ACH or Same-Day ACH (v12 debit gateway).
- [Debit Process — Card](https://developers.ingopayments.com/docs/ingopay/debit/process-card.md): Pull funds from a debit or credit card (v12 debit gateway).
- [IngoPay API Overview](https://developers.ingopayments.com/docs/ingopay/overview.md): REST API for push payments via card, ACH, check, PayPal, and Venmo. Full verify → process → webhook lifecycle with HMAC-SHA512 authentication.
- [Process — ACH](https://developers.ingopayments.com/docs/ingopay/process/ach.md): Push a disbursement via Standard ACH, Same-Day ACH, or Real-Time rails.
- [Process — BillPay](https://developers.ingopayments.com/docs/ingopay/process/billpay.md): Push a disbursement to a tokenized biller account.
- [Process — Card](https://developers.ingopayments.com/docs/ingopay/process/card.md): Push a disbursement to a tokenized debit or credit card account.
- [Process — Check by Mail](https://developers.ingopayments.com/docs/ingopay/process/check.md): Disburse funds via Ingo-issued check mailed to the recipient.
- [Process — PayPal / Venmo](https://developers.ingopayments.com/docs/ingopay/process/paypal-venmo.md): Push a disbursement to a PayPal Verified, PayPal Unverified, or Venmo account.
- [Process — Retail Card Present](https://developers.ingopayments.com/docs/ingopay/process/retail-card-present.md): Push disbursement for retail card-present configured clients.
- [Quick Start](https://developers.ingopayments.com/docs/ingopay/quick-start.md): Make your first IngoPay API call — verify an account and process a push payment.
- [Risk Score](https://developers.ingopayments.com/docs/ingopay/risk/risk-score.md): Evaluate the risk of a transaction and obtain a risk assessment token for use in subsequent process calls.
- [Risk Session](https://developers.ingopayments.com/docs/ingopay/risk/risk-session.md): Initialize a risk evaluation session token for use with the Risk Score endpoint.
- [Verify — ACH](https://developers.ingopayments.com/docs/ingopay/verify/ach.md): Tokenize a bank account for Standard ACH or Same-Day ACH disbursements.
- [Verify — BillPay](https://developers.ingopayments.com/docs/ingopay/verify/billpay.md): Tokenize a biller account for BillPay push disbursements.
- [Verify — Card](https://developers.ingopayments.com/docs/ingopay/verify/card.md): Tokenize a debit or credit card account for future push-to-card disbursements.
- [Verify — Check by Mail](https://developers.ingopayments.com/docs/ingopay/verify/check.md): Tokenize a recipient address for check by mail disbursements.
- [Verify — PayPal / Venmo](https://developers.ingopayments.com/docs/ingopay/verify/paypal-venmo.md): Tokenize a PayPal or Venmo account for push disbursements.
- [Verify — Retail Card Present](https://developers.ingopayments.com/docs/ingopay/verify/retail-card-present.md): Account tokenization for retail card-present configurations.
- [IngoPay Webhooks](https://developers.ingopayments.com/docs/ingopay/webhooks/overview.md): Webhook events delivered by Ingo for OFAC screening updates and recipient payment status changes — including check lifecycle and payment returns.
- [Authentication](https://developers.ingopayments.com/docs/notify-classic/authentication.md): HMAC-SHA512 request signing for Notify — Classic endpoints.
- [Cancel Disbursement](https://developers.ingopayments.com/docs/notify-classic/notify/cancel.md): Cancel a staged disbursement that has not yet been claimed by the recipient.
- [Stage Disbursement](https://developers.ingopayments.com/docs/notify-classic/notify/stage.md): Stage a disbursement notification for a single recipient via Notify v3.
- [Notify — Classic Overview](https://developers.ingopayments.com/docs/notify-classic/overview.md): Managed single-recipient disbursement engagement. Ingo handles recipient authentication, identity verification, OFAC screening, and account verification on your behalf.
- [Quick Start](https://developers.ingopayments.com/docs/notify-classic/quick-start.md): Stage your first Notify — Classic disbursement and handle the recipient engagement webhooks.
- [Notify — Classic Webhooks](https://developers.ingopayments.com/docs/notify-classic/webhooks/overview.md): Webhook events for Notify — Classic disbursements — recipient notification, authentication, verification, account tokenization, and payment status.
- [Authentication](https://developers.ingopayments.com/docs/notify-managed/authentication.md): HMAC-SHA512 request signing for Notify — Managed Parties endpoints.
- [Stage Disbursement](https://developers.ingopayments.com/docs/notify-managed/notify/stage.md): Stage a disbursement with one or more parties via Notify v4.
- [Notify — Managed Parties Overview](https://developers.ingopayments.com/docs/notify-managed/overview.md): Everything in Notify — Classic, plus full party orchestration across recipients, approvers, and joint recipients with role delegation, SSO, and multi-party approval flows.
- [Quick Start](https://developers.ingopayments.com/docs/notify-managed/quick-start.md): Stage your first Notify — Managed Parties disbursement and handle the party engagement webhooks.
- [Notify — Managed Parties Webhooks](https://developers.ingopayments.com/docs/notify-managed/webhooks/overview.md): Webhook events for Notify — Managed Parties — transaction staging, party notifications, dynamic authentication, OTAC, verification, tokenization, multi-party approvals, and payment status.

## OpenAPI Specs

- [iframe-webhooks](https://developers.ingopayments.com/specs/webhooks/iframe-webhooks.yaml)
- [ingopay-verify-retail-card-present](https://developers.ingopayments.com/specs/ingopay-verify-retail-card-present.yaml)
- [ingopay-verify-paypal-venmo](https://developers.ingopayments.com/specs/ingopay-verify-paypal-venmo.yaml)
- [ingopay-verify-check](https://developers.ingopayments.com/specs/ingopay-verify-check.yaml)
- [ingopay-verify-card](https://developers.ingopayments.com/specs/ingopay-verify-card.yaml)
- [ingopay-verify-billpay](https://developers.ingopayments.com/specs/ingopay-verify-billpay.yaml)
- [ingopay-verify-ach](https://developers.ingopayments.com/specs/ingopay-verify-ach.yaml)
- [ingopay-risk](https://developers.ingopayments.com/specs/ingopay-risk.yaml)
- [ingopay-process-retail-card-present](https://developers.ingopayments.com/specs/ingopay-process-retail-card-present.yaml)
- [ingopay-process-check](https://developers.ingopayments.com/specs/ingopay-process-check.yaml)
- [ingopay-process-card](https://developers.ingopayments.com/specs/ingopay-process-card.yaml)
- [ingopay-notify-v4](https://developers.ingopayments.com/specs/ingopay-notify-v4.yaml)
- [ingopay-notify-v3](https://developers.ingopayments.com/specs/ingopay-notify-v3.yaml)
- [ingopay-debit-process-card](https://developers.ingopayments.com/specs/ingopay-debit-process-card.yaml)
- [ingopay-debit-process-ach](https://developers.ingopayments.com/specs/ingopay-debit-process-ach.yaml)
- [ingopay-biller-payments-search](https://developers.ingopayments.com/specs/ingopay-biller-payments-search.yaml)
- [ingo-banking-merchant-ledgering](https://developers.ingopayments.com/specs/ingo-banking-merchant-ledgering.yaml)
- [iframe-session-create](https://developers.ingopayments.com/specs/iframe-session-create.yaml)
- [notify-v4-webhooks](https://developers.ingopayments.com/specs/webhooks/notify-v4-webhooks.yaml)
- [notify-v3-webhooks](https://developers.ingopayments.com/specs/webhooks/notify-v3-webhooks.yaml)
- [ingopay-webhooks](https://developers.ingopayments.com/specs/webhooks/ingopay-webhooks.yaml)
- [ingopay-process-paypal-venmo](https://developers.ingopayments.com/specs/ingopay-process-paypal-venmo.yaml)
- [ingopay-process-billpay](https://developers.ingopayments.com/specs/ingopay-process-billpay.yaml)
- [ingopay-process-ach](https://developers.ingopayments.com/specs/ingopay-process-ach.yaml)
- [notify-shared-webhooks](https://developers.ingopayments.com/specs/webhooks/notify-shared-webhooks.yaml)
- [ingopay-check-stop](https://developers.ingopayments.com/specs/ingopay-check-stop.yaml)
- [ingopay-check-cancel](https://developers.ingopayments.com/specs/ingopay-check-cancel.yaml)

## AsyncAPI Specs

- [asyncapi-notify-v4](https://developers.ingopayments.com/specs/asyncapi-notify-v4.yaml)
- [asyncapi-notify-v3](https://developers.ingopayments.com/specs/asyncapi-notify-v3.yaml)
- [asyncapi-ingopay](https://developers.ingopayments.com/specs/asyncapi-ingopay.yaml)