Ingo Payments

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.

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

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

• Embedded banking infrastructure
• Money movement APIs
• Push payment disbursements
• Banking-as-a-service
• Real-time payments

Headquarters

HQ city

Alpharetta

HQ country

United States

HQ region

North America

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Operations, Infrastructure, Marketing or Sales, Supply Chain

Revenue model

1. 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.
2. Platform/Subscription Services: Banking-as-a-Service fees for fintech programs including routable bank accounts, KYC/KYB services, card issuance, and ledger management capabilities.
3. Risk and Compliance Services: Fees for fraud screening, account verification, OFAC screening, and other risk management services bundled with payment processing.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels6 records

Core 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

Named customers5 records

Segments9 records

Ideal customer profiles5 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

AI capability5 records

Feature9 records

Partnerships

Eleven partnerships are on record, tiered core.

• Elektra USAcoreTechnology or Integration · 11 February 2026Partnership 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 IntelligencecoreStrategic or Co-development PartnerOngoing 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.
• WorkWhilecoreStrategic or Co-development PartnerResearch 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 or IntegrationTechnology integration enabling real-time push-to-debit-card disbursements through Visa Direct payment network.
• Mastercard (via Mastercard Send)coreTechnology or IntegrationTechnology integration enabling real-time push-to-debit-card disbursements through Mastercard Send payment network.
• ACI WorldwidecoreStrategic or Co-development PartnerPartnership enables ACI's biller clients to offer digital disbursement options to consumers, enhancing customer experience through multiple payment method choices.
• KickfincoreTechnology or IntegrationPartnership integral to Kickfin's growth in frontline pay solutions, enabling instant tip payments and wage access for hourly workers.
• Self FinancialcoreTechnology or IntegrationPartnership enabling Self Cash to expand access to short-term cash in real time for credit-building products.
• Regions BankcoreTechnology or IntegrationBanking partner as indicated by company logo presence on website.
• Sunrise BankscoreTechnology or IntegrationBanking partner as indicated by company logo presence on website.
• Republic BankcoreTechnology or IntegrationBanking partner as indicated by company logo presence on website.

Scale indicators4 records

Recent moves5 records

Expansion highlights5 records

Direct 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

• Xx.com/IngoPayments
• LinkedInlinkedin.com/company/ingopayments

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Ingo Payments