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

# Payout to a linked account

Platforms can send instructions for payouts from their client’s LIMITED_DDA and LIMITED_DDA_PAYMENT account to their client’s linked accounts. The Linked account is the external bank account that belongs to the client. This is a validated account associated with the client’s profile that can be used to make payouts to clients from their Embedded Payments account. For more information, see [Link your client’s external bank account](/docs/embedded-finance-solutions/embedded-payments/capabilities/external-accounts/add-linked-account).

**Allowed Payout Options:**

Platforms and clients can choose to make payouts to linked accounts via Automated Clearing House (ACH), Real-Time Payments (RTP), wire transfer (WIRE) or Push to Card (CARD).

## How to make a payout to a linked account

To initiate a payout from a LIMITED_DDA, once you have transferred the funds to your client's Embedded Payments account, you can: 

1. Use GET /accounts/{id}/balances to check that the account balance of your client's Embedded Payments account is updated.

2. Use POST /transactions to make a payout from this account to their external bank account.

To make the payment, you need to include:

- Your client's recipientId, which represents your client's linked account.

- Your client's Embedded Payments account ID to use as the debtorAccountId. Retrieve this using a GET /accounts request.

- The transaction type: use "ACH", "RTP" (for Real Time Payments), "WIRE" or "CARD" (for Push to Card only) on V2/transactions).
  - You must make sure that your [client's linked account](/docs/embedded-finance-solutions/embedded-payments/capabilities/external-accounts/add-linked-account) is set up with the correct details for wire and RTP payments if you prefer to use these methods.

- The amount to be paid.

- The currency - always USD.

- Some payment methods require  specific field like localInstrumentCode for ACH.
  - localInstrumentCode: A Standard Entry Class (SEC) code is a three-letter identifier established by [NACHA](https://www.nacha.org/newrules) to specify how an ACH transaction is authorized. Businesses using J.P.Morgan Embedded Payments must select the correct SEC code for each debit transaction to ensure compliance with ACH direct debit rules and maintain proper authorization records for potential disputes. J.P. Morgan Embedded Payments currently supports four types of SEC codes for ACH debits such as "CCD", "PPD", "WEB" and "TEL". Mandate requirements differ based on the type of authorization collected. Businesses should consult a professional for guidance on their specific obligations, as this information is intended for general reference only.
  - When you use v2/transactions, we default to "PPD" for consumer bank accounts, "CCD" for business bank accounts, and "WEB" for direct debit. If you do not specify a mandate collection method, we apply these defaults. When you use v3/transactions, you must provide a value for localInstrumentCode.

**Sample payload for ACH (Limited_DDA)**

Sample request:

```json
{
  "transactionReferenceId": "d5205014630d4816a5f3d0013577503e",
  "type": "ACH",
  "localInstrumentCode": "PPD",
  "memo": "Memo for Transaction EP-AUD",
  "currency": "USD",
  "amount": "9.99",
  "debtor": {
    "account": {
      "type": "REGISTERED_ACCOUNT",
      "registeredAccount": {
        "id": "c3a9b877ab4647e6a9eff2cfd7ee6764"
      }
    }
  },
  "creditor": {
    "id": "6cf293c0-9355-4706-9d83-d1aaeec785e6"
  }
}
```

Sample response:

```json
{
  "id": "KGHYcazECFZSSaD",
  "transactionReferenceId": "d5205014630d4816a5f3d0013577503e",
  "requestedExecutionDate": "2025-12-31"
}
```

**Sample payload for P2C (Limited_DDA_PAYMENTS)**

Sample request:

```json
{
  "transactionReferenceId": "DMS_EP_CARD_11032",
  "type": "CARD",
  "memo": "Memo for Transaction EP-CARD",
  "currency": "USD",
  "amount": "0.81",
  "debtor": {
    "account": {
      "type": "REGISTERED_ACCOUNT",
      "registeredAccount": {
        "id": "29aa040e102f483c9e632486297d6a80"
      }
    }
  },
  "creditor": {
    "id": "5ed6c9d0-dd83-46d3-b629-0ca054077001"
  }
}
```

Sample response:

```json
{
  "id": "6daEFjXdQvtAsOT6",
  "transactionReferenceId": "DMS_EP_CARD_11032",
  "requestedExecutionDate": "2026-05-18"
}
```

Once you make the payment you will receive notification to track the progress of the payout. In the interim, if you have questions on the status of the payment you can check the payment status by using the `GET  /transactions` endpoint.