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Payroll & gig marketplaces

Transform the payment experience for employees and contractors with embedded payments solutions and expert support tailored for your business – all with a single integration.

  • Earned wage access

  • Cashless tipping

  • Awards and incentives

  • Payroll card issuing

  • 64

    %

    U.S. consumers live paycheck-to-paycheck

  • 67

    %

    consumers are more inclined to continue a business relationship if paid instantly

  • 17

    %

    employers offer real-time access to earned wages

  • 49

    %

    consumers would pay a fee to receive instant income and earnings disbursements

  • 64

    %

    U.S. consumers live paycheck-to-paycheck

  • 67

    %

    consumers are more inclined to continue a business relationship if paid instantly

  • 17

    %

    employers offer real-time access to earned wages

  • 49

    %

    consumers would pay a fee to receive instant income and earnings disbursements

Technology solutions for payroll & gig marketplaces

Scalable, secure, and flexible technologies to facilitate seamless money movement.

Instant payments orchestration

Payments complexity for payroll & gig marketplaces – simplified.

Account ownership verification, tokenization, payment routing, reconciliation, and bank sponsorship, all in a single integration.

Immutable cloud ledger for fidelity and security

Manage balances and money movement with precision and accuracy.
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Broad payment choice and reach

Ubiquitous funding reach including bank accounts by debit card, RTP and ACH, PayPal, credit cards, lenders, and billers, as well as instant issue accounts.
Proprietary routing with pricing intelligence

Least-cost routing automation and failover across redundant direct network integrations.
Rigorous transactional risk management

Real-time underwriting, configurable risk management, network-wide fraud screening, velocity monitoring, and sanctions screening and clearing.
Flexible connectivity to power any customer experience

Quick, single integration via flat file, API, iframe, SSO and hosted, bespoke CX platforms to get in-market fast.

Pay and get paid

Anytime, anywhere

Any way they choose
Self.

"Self Cash expands access to short-term cash in moments when people need it most. With Ingo, Self is able to deliver that access in real time."

Chris LaConte, Chief Strategy Officer, Self Financial
Kickfin

"Ingo’s partnership has been integral to Kickfin’s growth story, and we look forward to continuing our work together as we raise the standard for frontline pay."

Justin Roberts, Co-CEO, Kickfin
7Shifts

"We chose Ingo for their flexibility in enabling funds flows – and ability to offload complex licensing requirements to their platform, not ours."

Jordan Boesch, Founder and CEO

Partners for Scale

We understand the importance of scaling your business seamlessly. You can count on us as your dedicated payments partner, committed to your success from solution design to full-scale operation.

Our Commitment

With a team of long-tenured payments experts and over 240 experienced employees, we are committed to providing exceptional service and support at every level of our organization.

Our Approach

We approach each use case with a collaborative, problem-solving mindset, ensuring our solutions are tailored to meet your specific needs.

Relevant resources

The Case for Instant Payout Adoption and Stickiness

How Instant Payouts Become Loyalty’s Secret Weapon

41% of total disbursement recipients that cite an instant payment rail as their most-used method for receiving payouts.

Instant Loyalty: The Growing Necessity of Earned Wage Access Amid Uncertainty

From Perk to Necessity: On-Demand Pay Brings Predictability to Paychecks

September 2025

From One-Way Payouts to Two-Way Loyalty: Turning Disbursements Into Long-Term Customer Relationships

The Money Mobility Strategy That’s Changing How Banks Think

Every year, $8.2 billion quietly slips away from financial institutions, lost in the flow of customer disbursements routed to third-party banks.

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