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Ingo Payments Partners with MOCA for Instant Account Funding for Patriot Card

Published: January 19, 2024

Instant funding via Ingo Payments provides veterans a more flexible way to confidently and safely receive benefits with the Patriot Card

Ingo Payments, a leader in innovative payments and risk management technologies, is pleased to announce its partnership with MOCA. MOCA is a provider of advanced mobile-first digital accounts, featuring a next-generation card-based payment platform and unlimited cash-back rewards. This partnership introduces new instant account funding capabilities for its Patriot Card. The addition of instant funding enhances the utility and functionality of the Patriot Card and will be rolled out to other MOCA cards and accounts over the coming months.

The Patriot Card was originally designed in partnership with the Association of Military Banks of America (AMBA) to provide veterans with a safe, reliable way to receive government benefits and transfers from other card and bank accounts. Now, with instant access to their funds, cardholders can avoid waiting the traditional 3-5 days for deposits and transfers to fully settle and instead begin using their safe-to-spend funds immediately.

Combined with Patriot Card features like no overdraft charges and no ATM fees, instant funding makes the Patriot Card a compelling first-choice financial instrument for veterans.

“The mission of the Patriot Card is to provide veterans with an easier path to financial success,” said MOCA President Shawn Sinner. “Instant funding enhances the core benefits of the Patriot Card and gives veterans an even greater advantage when using the card as their primary account for day-to-day financial needs.”

The Patriot Card provides cardholders access to more than 800,000 ATMs and 2.3 million retail or merchant locations worldwide on the Armed Forces Financial Network (AFFN). The card is accepted anywhere that accepts VISA, and avoids the fees and limitations common to many other cards.

“The Patriot Card is already a compelling debit card with very attractive features, but any delay in being able to use it or having to wait for funds to arrive can diminish cardholder interest,” said Ingo Payments CEO Drew Edwards. “By adding instant funding, MOCA is boosting the appeal and functionality of the Patriot Card. We look forward to expanding our partnership with MOCA to serve even more people.”

About Ingo Payments

Ingo is the money mobility company. Since 2001, we have been innovating to deliver safe, efficient, and cost-effective ways to move money. Operating under the Ingo Payments and Ingo Money brands, we provide banks and businesses with scalable, secure, and flexible technologies to support instant payment, payout and account funding use cases.

As pioneers in the faster payments movement, we were the first to implement push-to-card transactions with Visa and Mastercard and process billions of dollars in transactions for major U.S. brands, including top insurance, gaming, financial, and hospitality companies. With an unmatched commitment to service and support, we tailor our solutions to meet our clients’ needs and guide them from solution design to full-scale operation. For more information, visit our website at

About MOCA

MOCA, headquartered in the Austin suburb of Bastrop, Texas, is a fintech company founded and managed by community financial institutions and payment industry veterans. With well over 125 years of industry experience, MOCA’s principals have been providing cutting edge financial products to community banks and credit unions for decades. We are prior founders and alumni of familiar names, such as VISA, FundsXpress, Kasasa, the U.S. Treasury, IBM, TSYS, AFFN, ACI Worldwide and others. Our Why is simple: We believe people shouldn’t have to choose between personal, localized service and best-of breed financial products. We believe you can have both. For more information, please visit