# JPMC-PDP Documentation from https://developer.payments.jpmorgan.com

# Pay by Bank

Pay by Bank allows you to add the option of a payment directly from your client's bank account at checkout. For more information refer to the [Pay by Bank guides](/docs/treasury/pay-by-bank/index).

## Versioning

The Pay by Bank API supports versioning using a prefix in the endpoint URL. This prefix has the following format: "vXX", where XX is the version number.

For example: `/paybybank/**v2**/payments`

### Which version of Pay by Bank to use

If you are planning to implement Pay by Bank for the first time, it's a good idea to use Version 2 (V2) for your implementation. This ensures you get access to all new features as they are introduced. 

If you are an existing user, you can continue to follow the documentation and guides for V1. When you are ready to upgrade to a newer version, you can get support from the team at J.P. Morgan.

## Production Endpoints

AIS and PIS have different endpoints. Refer to the relevant API specification for the correct endpoint for your service:

- [AIS API Specification](/api/treasury/pay-by-bank/ais)

- [PIS API Specification](/api/treasury/pay-by-bank/pis)

## Regional availability

Pay by Bank features and versions vary by region. Review the following table to understand availability for your location:

 
**Regional availability**

| Services | Version | Features | US | UK | EU | 
| --- | --- | --- | --- | --- | --- | 
| AIS | v2.0.22 | Long-term account access, one-time account reports, manual account entry, account validation, balance inquiry, transaction history | ✔ | ✔ | ✔ | 
| PIS | v2.0.8 | Instant payment initiation, closed-loop refunds, payment tracking, real-time payment status |  | ✔ | ✔ | 
|  | v1.1.4 | Instant payment initiation, closed-loop refunds, payment tracking, real-time payment status |  | ✔ | ✔ | 

## Error Reason Codes

The Pay by Bank API uses standard [HTTP response codes](/api/response-codes), and provides additional detail through the error response payload. Further details are provided in [Pay by bank error codes](/api/treasury/pay-by-bank/error-codes).