# Ingo Money

> Ingo Money, Inc. is a US financial technology company founded by Drew Edwards in 2001. Its consumer app converts approved checks into funds in linked accounts, while its Ingo Payments brand supplies banks, fintechs and enterprises with account funding, digital disbursements, check risk tools and embedded banking infrastructure.

- **Founded:** 2001
- **Headquarters:** Alpharetta, United States
- **Founders:** Drew Edwards (Founder and CEO)
- **Products:** Ingo Money App, Digital Disbursements, DigitalPay, Check Alert API, Check Protect API
- **Notable:** More than 100,000 consumer enrollments announced in May 2014., More than 120 prepaid programs had adopted its service by April 2015., Inc. 5000 recognition in 2017, 2018 and 2019.

## Products & services

- **Ingo Money App** — Mobile check cashing into eligible linked bank, prepaid and PayPal accounts. Expedited funding carries a fee; approved 10-day funding is free if the check is not returned unpaid.
- **Digital Disbursements** — APIs and hosted software for enterprise payouts through supported card, bank and wallet networks.
- **DigitalPay** — SaaS disbursement platform; the company timeline records subsequent multi-party payment capabilities in 2022.
- **Check Alert API** — Customer, check-maker and duplicate-deposit fraud data for customers’ own underwriting systems.
- **Check Protect API** — Deposit underwriting and transactional risk scores that can inform hold decisions.
- **Account Funding & Transfers** — Card and ACH account funding, transfers and P2P capabilities with integrated risk services.
- **Modern Money Stack** — Embedded banking capabilities including cloud ledgering, account creation, money movement and compliance workflows, expanded through the Deposits acquisition.
- **Risk-managed account funding with Sardine** — Card and ACH funding combining fraud data and analysis, with an optional zero-liability fraud guarantee subject to program terms.

## Achievements

- More than 100,000 consumer enrollments announced in May 2014.
- More than 120 prepaid programs had adopted its service by April 2015.
- Inc. 5000 recognition in 2017, 2018 and 2019.
- Company reported winning Best Embedded Payments Solution at the 2025 BankingTech Awards USA.

## Latest updates

- **2026-06** — 7shifts retired its legacy Tip Payout feature, qualifying an older Ingo customer example that still appears in Ingo marketing.
- **2025-09** — Self Financial announced Ingo-powered real-time disbursements for Self Cash; availability was 26 states at announcement.
- **2025-06** — Ingo reported winning Best Embedded Payments Solution at BankingTech Awards USA.
- **2025-03** — Selected Marqeta as issuer processor and announced an ACI Worldwide digital disbursements partnership.

## Links

- Website: https://ingomoney.com/
- LinkedIn: https://www.linkedin.com/company/ingopayments/
- Twitter/X: https://twitter.com/IngoPayments
- Facebook: https://www.facebook.com/ingomoneyapp

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Profile page: https://yespress.io/ingo-money
Published by YesPress — https://yespress.io
Last updated: 2026-10-26