Ingo Payments
Ingo Payments is a private U.S.-based B2B payments infrastructure provider offering embedded banking and money-movement APIs across card, ACH, RTP, PayPal, Venmo, and check rails, serving financial institutions, fintechs, insurers, payroll platforms, and enterprises via multi-year enterprise contracts and direct B2B distribution.
- Company typePrivate
- Founded-
- HeadquartersAlpharetta, United States
- Headcount51–100
- GTM typeB2B
- OfferingSoftware
What Ingo Payments does
Ingo Payments, Inc. (legal entity Ingo Money, Inc.) is a private, U.S.-based B2B payments infrastructure provider headquartered in Alpharetta, Georgia, with approximately 240 employees and over 25 years of operating history. The company delivers embedded banking and money-movement infrastructure to financial institutions, fintechs, and enterprise brands across nine verticals including banking, lending, insurance, payroll and gig marketplaces, gaming, hospitality, real estate, trucking, and remittance. Its core proposition is a unified API for both push and pull payments, executed across card (Visa Direct, Mastercard Send), ACH (Standard, Same-Day, RTP), PayPal, Venmo, check by mail, and BillPay rails.
The platform is anchored by an immutable, bank-grade cloud ledger that provides real-time balance and reconciliation, supported by a configurable compliance automation engine for KYC/KYB, sanctions screening, velocity monitoring, and reporting. The IngoPay API (HMAC-SHA512 authenticated, REST-based) follows a verify-to-process flow with an Embedded Account Capture iFrame SDK for PCI-compliant account tokenization. Notify Classic and Notify Managed Parties handle single- and multi-party disbursement lifecycle orchestration with identity verification and OFAC screening. A newer Ingo Banking Platform extends the product into Banking-as-a-Service with routable bank accounts, debit cards, KYC/KYB onboarding, and ledger management for fintech programs, currently in beta. The company holds PCI DSS, SOC 1, and SOC 2 certifications and operates with sponsor bank partners including Regions Bank, Republic Bank, and Sunrise Banks. An MCP-enabled Developer Hub exposes the API to AI coding assistants.
Ingo Payments generates revenue primarily through per-transaction fees on payment processing across push and pull rails, supplemented by BaaS platform/subscription fees and risk and compliance service charges. Pricing is custom-negotiated on multi-year enterprise contracts; it is not publicly disclosed. Go-to-market is direct enterprise B2B only, supported by a developer hub, sandbox environments, certified integration managers, and strategic distribution partners such as ACI Worldwide, Visa Direct, Mastercard Send, and Plaid. The customer base includes American Express, Geico, OneMain, 7Shifts, Securely, Kickfin, Self Financial, Green Dot, BHN, Triumph Pay, Jaris, Populus Financial Group, Elektra USA, Regions Bank, Republic Bank, Sunrise Banks, and ADP.
Ingo Payments firmographics
Firmographics- Name
- Ingo Payments
- Legal name
- Ingo Money, Inc.
- Website
- https://ingopayments.com
- Company type
- Private
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- Ingo Payments is a private U.S.-based B2B payments infrastructure provider offering embedded banking and money-movement APIs across card, ACH, RTP, PayPal, Venmo, and check rails, serving financial institutions, fintechs, insurers, payroll platforms, and enterprises via multi-year enterprise contracts and direct B2B distribution.
- Ownership category
- akta.pro rank
Ingo Payments industry classification
Industry- Product category
- Payments Infrastructure
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)
- SIC
- Finance Services (6199), Services-Computer Integrated Systems Design (7373)
- akta.pro primary industry
- Payouts, Disbursements & Mass Payments Infrastructure (FSAGABAN)
- akta.pro secondary industries
- Embedded Payments (Pay-ins, Pay-outs, Wallets) (FSAGALAB), A2A Payouts & Disbursements (FSAMAFAG)
Keywords
Where Ingo Payments is headquartered
LocationHeadquarters
- HQ city
- Alpharetta
- HQ country
- United States
- HQ region
- North America
Markets served
Ingo Payments business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Operations, Infrastructure, Marketing or Sales, Supply Chain
Revenue model
- Transaction Processing Fees: Fees charged per transaction for payment processing across push and pull payment rails including card disbursements, ACH transfers, and other payment methods. Revenue is volume-based and correlates directly with transaction activity.
- Platform/Subscription Services: Banking-as-a-Service fees for fintech programs including routable bank accounts, KYC/KYB services, card issuance, and ledger management capabilities.
- Risk and Compliance Services: Fees for fraud screening, account verification, OFAC screening, and other risk management services bundled with payment processing.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Multi-year contract | Enterprise/Bespoke Pricing |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels6 records
Ingo Payments product offering
Product offeringCore offering
Ingo Payments provides full-service, API-first payments infrastructure for financial institutions, fintechs, and brands, enabling instant push and pull disbursements across card (Visa Direct, Mastercard Send), ACH (Standard, Same-Day, RTP), PayPal, Venmo, check by mail, and BillPay rails. The platform combines a bank-grade cloud ledger, AI-enhanced risk and compliance automation, expert payment orchestration with least-cost routing, and modular Banking-as-a-Service capabilities including routable bank accounts, debit card issuance, KYC/KYB onboarding, and real-time ledger management.
Product overview
Ingo Payments offers a modular, full-service payments infrastructure platform built around the IngoPay API. The core product enables push and pull disbursements across multiple payment rails (card, ACH, check, PayPal, Venmo, BillPay) through a unified REST API. The platform is supplemented by Embedded Account Capture (iFrame SDK) for PCI-compliant account tokenization, Notify — Classic for single-recipient disbursement engagement, and Notify — Managed Parties for multi-party orchestration. The recently launched Ingo Banking Platform extends the offering with Banking-as-a-Service capabilities including routable bank accounts, debit card issuance, KYC/KYB onboarding, and ledger management. Supporting modules include Account Funding & Transfers, Digital Disbursements, Payment Acceptance, and Check Risk Management Services. The platform serves financial institutions, fintechs, gaming, hospitality, insurance, lending, payroll/gig marketplaces, real estate, and trucking industries.
Differentiator
Problem solved
Functional benefit
Products and services
- IngoPay API Core payment API providing push and pull disbursements via card, ACH, check, PayPal, Venmo, and BillPay, using HMAC-SHA512 authenticated REST architecture with a verify-to-process workflow for account tokenization and payment execution; targeted at developers integrating into FI, fintech, payroll, insurance, gaming and brand platforms.
- Ingo Banking Platform Banking-as-a-Service API for fintech programs providing routable bank accounts (RBA/VBAN), debit card issuance, KYC/KYB onboarding, and real-time ledger management, currently live with beta clients.
- Notify — Classic Managed single-recipient disbursement engagement solution where one API call triggers the full lifecycle — recipient notification, identity verification, compliance screening, payment selection, and delivery.
- Notify — Managed Parties Single and multi-party disbursement orchestration with role delegation, handling notification, approval gating, identity verification, compliance screening, and delivery across multiple recipients, approvers, and joint recipients.
- Embedded Account Capture (iFrame SDK) PCI-compliant drop-in iFrame SDK enabling recipient account tokenization without card data touching client servers, returning a customer_account_token for use in subsequent IngoPay process calls.
- Account Funding & Transfers Safe, instant consumer account funding, outbound transfers, and pay-anyone P2P functionality designed to grow deposits and enhance account utility for financial institutions, fintechs and brands.
- Digital Disbursements Real-time digital disbursements funded to any account recipients choose, supporting push payments via card, bank account, PayPal, Venmo, and check by mail.
- Payment Acceptance Accept customer payments via debit card, credit card, and bank account with built-in risk checks, dispute automation, and operational management.
- Check Risk Management Services Comprehensive fraud screening, account verification, risk underwriting, and zero fraud liability solutions protecting businesses and customers during check-based transactions.
- Risk Management Services Configurable risk controls including Recipient Authentication (RA), Recipient Verification Data Matching (RVDM), Address Verification Service (AVS), Card Verification Value (CVV), Account Name Inquiry (ANI), Account Number Validation (ANV), Name on Account Validation (NAV), PayPal Risk Verification, and OFAC screening.
Quantifiable outcome
- 57% of recipients who receive an instant payment make it their most-used payout method (up from 39% in 2020)
- +3 more outcomes
Companies that use Ingo Payments
Customer profileNamed customers5 records
Segments9 records
Ideal customer profiles5 records
Ingo Payments technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration2 records
AI capability5 records
Feature9 records
Ingo Payments partnerships and signals
Strategic signalPartnerships
Eleven partnerships are on record, tiered core.
- Elektra USAcorePartnership enabling real-time account funding for Elektra's customers, primarily targeting Hispanic communities in the U.S., Mexico, and Latin America. The collaboration allows instant fund withdrawal from debit cards, improving remittance efficiency and meeting demand for real-time financial solutions in cross-border money movement.
- PYMNTS IntelligencecoreOngoing research collaboration producing joint reports on the Labor Economy, instant payments, wage access, and financial inclusion. Multiple joint publications including the 'Wage to Wallet Index' and Money Mobility Tracker reports covering consumer payment behavior and instant payment adoption.
- WorkWhilecoreResearch collaboration focused on frontline and gig worker financial behavior, wage access needs, and Labor Economy trends. Joint research on earned wage access, income volatility, and financial resilience of hourly workers.
- Visa (via Visa Direct)coreTechnology integration enabling real-time push-to-debit-card disbursements through Visa Direct payment network.
- Mastercard (via Mastercard Send)coreTechnology integration enabling real-time push-to-debit-card disbursements through Mastercard Send payment network.
- ACI WorldwidecorePartnership enables ACI's biller clients to offer digital disbursement options to consumers, enhancing customer experience through multiple payment method choices.
- KickfincorePartnership integral to Kickfin's growth in frontline pay solutions, enabling instant tip payments and wage access for hourly workers.
- Self FinancialcorePartnership enabling Self Cash to expand access to short-term cash in real time for credit-building products.
- Regions BankcoreBanking partner as indicated by company logo presence on website.
- Sunrise BankscoreBanking partner as indicated by company logo presence on website.
- Republic BankcoreBanking partner as indicated by company logo presence on website.
Scale indicators4 records
Recent moves5 records
Expansion highlights5 records
Ingo Payments competitors and assessment
Company assessmentDirect peers
- Marqeta: Marqeta is a card-issuing and payment infrastructure platform providing push-to-card disbursements via Visa Direct and Mastercard Send, directly competing with Ingo's IngoPay API for fintech and enterprise payout use cases.
- Unit: Unit is an embedded banking platform offering business banking, ledger, and card issuance infrastructure to fintechs and brands, competing directly with the Ingo Banking Platform.
- Synctera: Synctera is a Banking-as-a-Service platform connecting fintechs with partner banks for accounts, cards, and ledger capabilities, directly competing with the newly launched Ingo Banking Platform.
- Galileo Financial Technologies: Galileo (owned by SoFi) provides payments processing, card issuing, and Banking-as-a-Services infrastructure to fintechs, directly competing with Ingo's disbursement and BaaS capabilities.
- Modern Treasury: Modern Treasury provides payment operations APIs for money movement, reconciliation, and treasury workflows, competing with Ingo's orchestration and ledger capabilities for fintechs and enterprises.
- Treasury Prime: Treasury Prime is a Banking-as-a-Service API platform enabling fintechs to embed banking products including accounts, cards, and ledger, directly competing with Ingo's BaaS offering.
- Column (NMI): Column is a bank-as-a-platform provider offering embedded banking APIs for fintechs, competing with Ingo's Banking-as-a-Service platform for fintech clients.
- Dwolla: Dwolla is an ACH-focused payments API platform enabling push and pull bank transfers for fintechs and platforms, directly overlapping with Ingo's ACH and real-time disbursement capabilities.
Broad incumbents
- Fiserv: Fiserv is a large financial services technology provider offering account processing, card services, and disbursement solutions, with overlapping capabilities in real-time payments and BaaS-adjacent infrastructure.
- Stripe Treasury: Stripe's broader payments platform includes Stripe Treasury for embedded banking, plus Stripe Issuing for card programs and Stripe Connect for marketplace disbursements—overlapping with multiple Ingo product lines including payouts, BaaS, and account funding.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Customer concentration
Ingo Payments social profiles
Digital presenceIngo Payments compliance and trust
Trust signalCompliance3 records
Ingo Payments financial estimates
Financial estimateRevenue estimate
Valuation estimate
Ingo Payments leadership team
Management profileNumber of profiles
Profiles1 record
Ingo Payments funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Ingo Payments M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Ingo Payments
What does Ingo Payments do?
Ingo Payments provides full-service, API-first payments infrastructure for financial institutions, fintechs, and brands, enabling instant push and pull disbursements across card (Visa Direct, Mastercard Send), ACH (Standard, Same-Day, RTP), PayPal, Venmo, check by mail, and BillPay rails. The platform combines a bank-grade cloud ledger, AI-enhanced risk and compliance automation, expert payment orchestration with least-cost routing, and modular Banking-as-a-Service capabilities including routable bank accounts, debit card issuance, KYC/KYB onboarding, and real-time ledger management.
Is Ingo Payments a public or private company?
Ingo Payments is a private company. It is classified as unknown and is currently operating.
When was Ingo Payments founded?
Ingo Payments was founded in -1. It employs 51 to 100 people.
Where is Ingo Payments based?
Ingo Payments is headquartered in Alpharetta, United States, in the North America region.
How does Ingo Payments make money?
Three revenue lines are on record. Transaction Processing Fees are the primary driver. The others are platform/Subscription Services and risk and Compliance Services.
Who are Ingo Payments's main competitors?
Direct peers on record are Marqeta, Unit, Synctera, Galileo Financial Technologies, Modern Treasury, Treasury Prime, Column (NMI) and Dwolla. Broad incumbents are Fiserv and Stripe Treasury.
Does Ingo Payments have an API?
Yes. IngoPay API is a direct REST integration for push payments (card, ACH, check, PayPal, Venmo, BillPay) and pull payments (debit card, ACH, wire). All APIs use HMAC-SHA512 authentication. Includes Embedded Account Capture (iFrame SDK) for PCI-compliant account tokenization, Notify — Classic for single-recipient disbursement engagement, Notify — Managed Parties for multi-party orchestrated disbursements, and Ingo Banking Platform (BaaS) for routable bank accounts, debit cards, KYC/KYB, and ledger management. Sandbox and production environments available. AI Tools MCP available for connecting the Developer Hub to AI coding assistants. Developer documentation is at developers.ingopayments.com/docs/hub/overview.
What industry is Ingo Payments in?
Ingo Payments's product category is Payments Infrastructure. Its primary akta.pro industry code is FSAGABAN, Payouts, Disbursements & Mass Payments Infrastructure, with a secondary code of FSAGALAB, Embedded Payments (Pay-ins, Pay-outs, Wallets). Its NAICS code is 522320 and its SIC code is 6199.