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

# Payment parameters

This topic outlines the required fields for making an Interac e-Transfer payment. All required fields must be included for a request to be successful, while optional fields add extra functionality to the request.

> This page serves as an overview of required, optional and conditional fields. For detailed JSON specifications when constructing a request, refer to the [API specification](/api/treasury/global-payments/global-payments/global-payments).
> 

## Required fields

 
**Required fields for Interac e-Transfer payment initiation**

| JSON field name | Description | 
| --- | --- | 
| payments.requestedExecutionDate | The transaction execution date in ISO date format (YYYY-MM-DD). This value must be the current day based on the EST time zone. | 
| payments.paymentIdentifiers.endToEndId | The unique payment identifier assigned by the client. | 
| payments.paymentCurrency | The currency in which the client wants to make the payment (always in CAD). | 
| payments.paymentAmount | Enter the payment amount using numeric characters only, without a currency symbol. The amount must be greater than 0.01 and can have up to two decimal places. The maximum allowable payment amount is 25,000.00. | 
| payments.transferType | All Interac e-Transfer transactions must use CREDIT. | 
| payments.debtor.debtorName | The sender's name, which will be used in the issuer notifications sent to the recipient. | 
| payments.debtor.debtorAccount.accountId | Provide the client's CAD account number with J.P. Morgan. No leading zeros allowed. | 
| payments.debtorAgent.financialInstitutionId.bic | Provide the financial institution identifier of the sender. Always use CHASCATT. | 
| payments.creditor.creditorName | The name of the recipient. No special characters are allowed. | 
| payments.creditor.creditorAccount.accountType | All Interac e-Transfer payments must use INTERAC. | 
| payments.creditor.postalAddress.country | Beneficiary's country code. | 
| payments.creditor.countryOfResidence | Beneficiary’s country of residence. | 

## Conditional fields

### TP3/MSB/OBO fields

The following fields are required when the Interac e-Transfer is made by a third-party payment provider, money service business, or 'on behalf of' another entity.

 
**Conditional fields for third-party payment provider, money service business or ‘on behalf of’**

| JSON field name | Description | 
| --- | --- | 
| payments.debtor.ultimateDebtor.ultimateDebtorName | Name of the ultimate sender. | 
| payments.debtor.ultimateDebtor.postalAddress.townName | City or town of the ultimate sender address. | 
| payments.debtor.ultimateDebtor.postalAddress.country | ISO 2-digit standard country code of the ultimate sender. | 

### Payment/creditor fields

Requests must include either Account Number Routing (ANR) or alias fields.

**ANR**

 
**Account Number Routing (ANR) conditional fields**

| JSON field name | Description | 
| --- | --- | 
| payments.creditor.creditorAccount.accountID | Provide a fully formed bank account number in the following format: - 3-digit Bank ID, 5-digit Transit ID, and Account Number. - Must use ‘-‘ to separate out 3 values. No spaces. Leading zeros should be removed from the bank account. | 

**Alias**

 
**Conditional fields for Alias fields**

| JSON field name | Description | 
| --- | --- | 
| payments.creditor.creditorAccount.alternateAccountIdentifier | The alternate account identifier is the creditor's email or mobile phone number used for alias-based payments: - Mobile phone: - Numbers should be in following format pattern: +[0-9]{1,3}-[0-9()+\-]{1,30}. For example, +1-416-000-0000 - String length up to 30 characters. - Email: - Must correspond to RFC822/2822. For details, see [http://www.ietf.org/](http://www.ietf.org/). - Must be at least five characters in length (for example, a@b.c). - Must have only one @ symbol. - Must have at least one symbol. - Must have at least one alphanumeric character on each side of the @ symbol. - Must have at least one alphanumeric character on each side of each symbol. - French characters are not permitted. | 
| payments.creditor.creditorAccount.schemeName.proprietary | Type of alias: EMAL or TELI. | 

## Optional fields

 
**Interac e-Transfer optional fields**

| JSON field name | Description | 
| --- | --- | 
| payments.paymentExpiryDate | Expiration date of the regular payment. | 
| payments.remittanceInformation.unstructuredInformation | Unstructured remittance information for the payment. | 
| payments.secureVerification.key | Security question for alias-based payment. - Must include payments.secureVerification.secret field if including in payment request. - See [Security Question and Response](/docs/treasury/global-payments/capabilities/global-payments/interac-e-transfer/resources#security-question-and-response) for more details. | 
| payments.secureVerification.secret | Hashed response to security question. - Must accompany the secureVerification.key field. - For more details, see [Security Question and Response](/docs/treasury/global-payments/capabilities/global-payments/interac-e-transfer/resources#security-question-and-response). | 
| payments.purpose.code | Underlying reason for payment. For details, see [Purpose Codes](/docs/treasury/global-payments/capabilities/global-payments/interac-e-transfer/resources#purpose-codes). | 

Including the following fields is beneficial for sanctions and anti-money laundering screening conducted during the Interac e-Transfer payment process.

> These fields are beneficial to include for Sanctions and Anti-Money Laundering screening performed throughout the Interac e-Transfer payment.
> 

 
**Optional for third-party payment provider, money service business or ‘on behalf of’**

| JSON field name | Description | 
| --- | --- | 
| payments.debtor.ultimateDebtor.postalAddress.addressType | Type of address for the ultimate sender. | 
| payments.debtor.ultimateDebtor.postalAddress.streetName | Street name of the ultimate sender address. | 
| payments.debtor.ultimateDebtor.postalAddress.buildingNumber | Building number of the ultimate sender address. | 
| payments.debtor.ultimateDebtor.postalAddress.postalCode | ZIP or postal code of the ultimate sender address. | 
| payments.debtor.ultimateDebtor.postalAddress.countrySubDvsn | State or province of the recipient's address. | 

## Next steps

Review Interac e-Transfer [resources](/docs/treasury/global-payments/capabilities/global-payments/interac-e-transfer/resources).