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

# Business classification recommendation

The business classification capability returns the most relevant North American Industry Classification System (NAICS) codes for a business based on its organization description. NAICS codes identify the industry a business operates in, which supports risk assessment and Know Your Customer (KYC) due diligence.

## Key benefits

This section describes the key benefits of using the business classification capability.

- Improved user experience: Returns the most suitable industry codes and eliminates the need to search through extensive code lists.

- Simplified platform development: Platform developers do not validate industry codes or maintain static code tables for each classification system.

- Accelerated and accurate onboarding: By accurately identifying the consumer’s industry classification, this capability prevents onboarding delays caused by incorrect code selection, reduces manual review and outreach efforts, and improves straight-through processing rates during consumer onboarding.

## How it works

This section explains how the business classification capability works.

- The /recommendations endpoint accepts a resourceType parameter in the request body.

- The resourceType specifies which code system to use for recommendations (such as "NAICS_CODE").

- The /recommendations endpoint processes the organization details and returns relevant codes for the specified system.

## Recommendation scenarios

This section provides sample requests and responses for the following scenarios:

1. [Success](/docs/commerce/optimization-protection/capabilities/digital-onboarding/how-to/business-classification-recommendation#success)

2. [No NAICS codes found](/docs/commerce/optimization-protection/capabilities/digital-onboarding/how-to/business-classification-recommendation#no-naics-codes-found)

3. [Vague organization description](/docs/commerce/optimization-protection/capabilities/digital-onboarding/how-to/business-classification-recommendation#vague-organization-description)

### Success

When the request is successful, the endpoint returns a list of NAICS codes based on the organization description.

**Method:** `POST`
**Endpoint:** `/recommendations`

**Request:**

```json
{
  "resourceType": "NAICS_CODE",
  "values": [
    {
      "key": "organizationName",
      "value": "Top Cookies"
    },
    {
      "key": "organizationDescription",
      "value": "We are an online bakery shop. You can order treats, cakes, breakfast items, and much more. With our monthly menus and classic selections, you can always try something new."
    }
  ]
}
```

**Response:**

```json
{
  "resourceType": "NAICS_CODE",
  "message": "",
  "resource": [
    {
      "naicsCode": "311811",
      "naicsDescription": "Retail Bakeries"
    },
    {
      "naicsCode": "311813",
      "naicsDescription": "Frozen Cakes, Pies, and other Pastries Manufacturing"
    },
    {
      "naicsCode": "445291",
      "naicsDescription": "Baked Goods Retailers"
    }
  ]
}
```

### No NAICS codes found

If the organization description lacks enough detail or does not match a recognized industry category, the endpoint does not return NAICS codes. Update the organization description with specific details about the business activities, products, or services. Submit a new API request to receive NAICS codes.

**Method:** `POST`
**Endpoint:** `/recommendations`

**Response:**

```json
{
  "resourceType": "NAICS_CODE",
  "message": "No match found. Your business description is too vague to suggest relevant industry classifications. Please provide more specific details about your business activities (e.g. products and services you provide) that generate your primary source of revenue."
}
```

### Vague organization description

If the organization description lacks sufficient detail or is too vague, the endpoint does not return NAICS codes. Add more detail to the organization description, then submit a new API request to receive NAICS codes that better match the business.

**Method:** `POST`
**Endpoint:** `/recommendations`

**Response:**

```json
{
  "resourceType": "NAICS_CODE",
  "message": "Your organization description is too vague to suggest relevant industry classifications. Please provide more specific details about your business activities (e.g. products and services you provide) that generate your primary source of revenue."
}
```

## Rate limiting

The API uses a token bucket approach for rate limiting to support fair usage and optimal performance.

- The session limit is three requests per session.

- The API accepts one request every 10 seconds.