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

# Optimization & Protection

## Enhance your payments solutions with customizable, secure Optimization and Protection APIs

- Customizable reports
- Real-time payment notifications
- Tokenization for card data protection
- Digital Onboarding
- Secure cardholder authentication
- Easy consumer profile management

## What you can build

With Optimization & Protection APIs, you can build dedicated solutions to optimize authorizations, business operations, and costs as well as protect your business and consumers from fraud.

### Create custom reports

Customize data reports to fit your needs, run reports at any time, and follow the report generation statuses in real-time.

### Set up callback notifications

Get real-time, asynchronous updates about payment-related events across the payment lifecycle.

### Tokenize your payment data

Replace sensitive card data with a unique token that retains all the essential information without compromising security.

### 3-D Secure (3DS)

Process a 3DS authentication in a standalone API request.

### Digital Onboarding

Onboard your clients for J.P. Morgan Payments processing products.

### Wallet decryption

Decrypt encrypted wallet bundles.

### Consumer profile management

Manage and store consumer profiles and the payment methods, addresses, and communication details on them for your consumers.

### Account updater inquiries

Obtain up-to-date card account information for use with your stored account and recurring card payment transactions.

## Capabilities

Combining Optimization & Protection APIs with your Online Payments API will enable you to deliver extra value in your payments solutions.

### Reporting

Obtain customizable access to transaction level payment data.

[Learn more](/docs/commerce/optimization-protection/capabilities/reporting)

### Notifications

Subscribe to and receive real-time payment lifecycle updates.

[Learn more](/docs/commerce/optimization-protection/capabilities/notifications)

### Tokenization

Protect and secure card data to reduce risk.

[Learn more](/docs/commerce/optimization-protection/capabilities/tokenization)

### 3-D Secure

Reduce liability for fraudulent transactions.

[Learn more](/docs/commerce/optimization-protection/capabilities/3-d-secure)

### Digital Onboarding

Take your client through the onboarding process for J.P. Morgan Payments.

[Learn more](/docs/commerce/optimization-protection/capabilities/digital-onboarding)

### Wallet decryption

Obtain payment instrument details from your encrypted wallet bundle.

[Learn more](/docs/commerce/optimization-protection/capabilities/wallet-decryption)

### Consumer profile management

Create and manage consumer profiles, payment methods, addresses, and communications.

[Learn more](/docs/commerce/optimization-protection/capabilities/consumer-profile-management)

### Account updater

Increase your approved authorization rate by keeping your consumer card account numbers and expiration dates up-to-date.

[Learn more](/docs/commerce/optimization-protection/capabilities/account-updater)

## Next steps

### Getting started

Learn about getting started to ensure you have everything you need.

[Learn more](/docs/commerce/optimization-protection/getting-started)

### Core concepts

Read our core concepts to build a solid understanding of how to optimize and protect your payments solutions.

[Learn more](/docs/commerce/optimization-protection/core-concepts)