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

# Payment parameters (credit)

> These payment parameters are subject to change as we test the beta release of Global Payments 2 API. 
> 

This page provides information about the required fields to initiate an ACH credit payment. You must include all required fields to initiate a successful payment.

> This page serves as an overview of required fields. For all available fields, including conditional and optional fields, see the [API specification](/api/treasury/global-payments/global-payments-2/global-payments-2).
> 

## Requirements by country

This section provides the required fields for ACH credit payments by region and country. Review the required fields for the applicable region or country prior to coding.

### Latin America (LATAM)

This section contains the required payment parameters to initiate an ACH credit payment in the LATAM region. 

#### Chile

The following table contains the required payment parameters to initiate an ACH credit payment in Chile: 

 
**Required payment parameters to initiate an ACH credit payment in Chile**

| Field | Description | Minimum | Maximum | Notes | 
| --- | --- | --- | --- | --- | 
| requestedExecutionDate | The requested execution date. | 10 | 10 | Must be formatted as YYYY-MM-DD. | 
| paymentIdentifiers.endToEndId | The payment's unique end-to-end ID that's assigned by the originator. | 1 | 15 | - Must only contain letters and numbers. - Must be unique for each transaction in the file. - Recommended 15-character limit due to restrictions across global clearing channels and market infrastructure regarding the length of the ID that can travel with your payment. | 
| value.currency | The value’s currency. | 3 | 3 | Must be CLP. | 
| value.amount | The value’s amount. | 1 | 10 | Must be less than or equal to 9999999999. | 
| transferType | The transfer type. | 6 | 6 | Must be CREDIT. | 
| paymentType | The payment type. | 3 | 3 | Must be ACH. | 
| paymentTypeInformation.serviceLevelCode | The payment’s service-level code. | 4 | 4 | Must be NURG. | 
| debtor.account.accountNumber | The debtor’s account number. | 1 | 17 |  | 
| debtor.account.accountCurrency | The debtor’s account currency. | 3 | 3 | For supported values, see [Currency codes](/docs/treasury/global-payments/capabilities/global-payments-2/ach/resources#currency-codes). | 
| debtor.name | The debtor’s name. | 1 | 140 |  | 
| debtorAgent.financialInstitutionIds[].id | The debtor agent's financial institution ID. |  | 35 |  | 
| debtorAgent.financialInstitutionIds[].idType | The debtor agent's financial instiution ID type. | 3 | 18 | - Required if debtorAgent.financialInstitutionIds[].id is provided. - Must be BIC, USABA, SORT_CODE, or CLEARING_SYSTEM_ID. | 
| creditor.account.accountNumber | The creditor’s account number. | 1 | 17 |  | 
| creditor.account.accountType | The creditor’s account type. | 4 | 5 | Must be SVGS, CACC, or OTHER. | 
| creditor.account.accountCurrency | The creditor’s account currency. | 3 | 3 | For supported values, see [Currency codes](/docs/treasury/global-payments/capabilities/global-payments-2/ach/resources#currency-codes). | 
| creditor.name | The creditor’s name. | 1 | 70 |  | 
| paymentPurpose.purpose.code | The payment’s purpose code. | 10 | 10 | For supported values, see <a _rte_style="background-color: rgb(255, 255, 255);" style="background-color: rgb(255, 255, 255);"></a>[Purpose codes](/docs/treasury/global-payments/capabilities/global-payments-2/ach/resources#purpose-codes). | 
| paymentPurpose.purpose.type | The payment’s purpose type. | 1 | 35 |  | 
| taxInformation.creditorTaxInformation.taxId | The creditor’s tax ID. | 1 | 35 |  | 
| taxInformation.creditorTaxInformation.taxPayerCategory | The creditor’s taxpayer category. | 1 | 15 |  | 
| taxInformation.debtorTaxInformation.taxId | The debtor’s tax ID. | 1 | 35 |  | 
| taxInformation.debtorTaxInformation.taxPayerCategory | The debtor’s taxpayer category. | 1 | 15 |  | 

### North America (NA)

This section contains the required payment parameters to initiate an ACH credit payment in the NA region. 

#### United States

The following table contains the required payment parameters to initiate an ACH credit payment in the United States: 

 
**Required payment parameters to initiate an ACH credit payment in the United States**

| Field | Description | Minimum | Maximum | Notes | 
| --- | --- | --- | --- | --- | 
| requestedExecutionDate | The requested execution date. | 10 | 10 | - Must be formatted as YYYY-MM-DD. - Can be up to 7 business days or 9 calendar days in the past, or 90 calendar days in the future. | 
| paymentIdentifiers.endToEndId | The payment's unique end-to-end ID that's assigned by the originator. | 1 | 15 | - Must only contain letters and numbers. - Must be unique for each transaction during the last 60 days. - Recommended 15-character limit due to restrictions across global clearing channels and market infrastructure regarding the length of the ID that can travel with a payment. | 
| value.currency | The value’s currency. | 3 | 3 | Must be USD. | 
| value.amount | The value’s amount. | 1 | 11 | - Must be less than or equal to 1000000 for same-business-day payments, or 99999999.99 for next- and second-business-day payments. - The decimal counts as a character. | 
| transferType | The transfer type. | 6 | 6 | Must be CREDIT. | 
| paymentType | The payment type. | 3 | 3 | Must be ACH. | 
| paymentTypeInformation.serviceLevelCode | The payment’s service-level code. | 4 | 4 | Must be NURG. | 
| paymentTypeInformation.localInstrumentCode.code | The payment’s local instrument code. | 3 | 3 | - For day 1, must be CCD, CIE, PPD, or WEB. - For International ACH Transactions (IAT), must be IAT. | 
| debtor.account.accountNumber | The debtor’s account number. | 1 | - 17 for non-IAT - 35 for IAT |  | 
| debtor.account.companyId | The debtor’s company ID. | 10 | 10 | Might include leading spaces, leading zeroes, or both. | 
| debtor.name | The debtor’s name. | 1 | - 16 for non-IAT - 35 for IAT |  | 
| debtor.postalAddress.addressLines | The debtor's unstructured address. | 1 | 35 | - For IAT, must provide debtor.postalAddress.addressLines for unstructured addresses or debtor.postalAddress.buildingNumber and debtor.postalAddress.streetName for structured addresses. - Only the first 35 characters of the unstructured address are sent to clearing. | 
| debtor.postalAddress.buildingNumber | The debtor's building number. | 1 | 35 | - For IAT, must provide debtor.postalAddress.addressLines for unstructured addresses or debtor.postalAddress.buildingNumber and debtor.postalAddress.streetName for structured addresses. - Only the first 35 characters of the combined building number and street name are sent to clearing. | 
| debtor.postalAddress.streetName | The debtor’s street name. | 1 | 35 | - For IAT, must provide debtor.postalAddress.addressLines for unstructured addresses or debtor.postalAddress.buildingNumber and debtor.postalAddress.streetName for structured addresses. - Only the first 35 characters of the combined building number and street name are sent to clearing. | 
| debtor.postalAddress.city | The debtor’s city. | 1 | 35 | - Required for IAT. - Only the first 35 characters of the combined city and country subdivision are sent to clearing. | 
| debtor.postalAddress.postalCode | The debtor’s postal code. | 1 | 33 | - Required for IAT. - Only the first 35 characters of the combined postal and country codes are sent to clearing. | 
| debtor.postalAddress.countrySubDivision | The debtor’s country subdivision. | 1 | 35 | - Required for IAT - Only the first 35 characters of the combined city and country subdivision are sent to clearing. | 
| debtor.postalAddress.country | The debtor’s country. | 2 | 2 | - Must be a two-letter country code. - Only the first 35 characters of the combined postal and country codes are sent to clearing. | 
| debtorAgent.name | The debtor agent’s name. | 1 | 35 | Required for IAT. | 
| debtorAgent.financialInstitutionIds[].id | The debtor agent’s financial institution ID. | 9 | 9 | - Must be a J.P. Morgan ABA number. - Might contain leading zeroes. - For example: 021000021 | 
| debtorAgent.financialInstitutionIds[].idType | The debtor agent’s financial institution ID type. | 5 | 5 | Must be USABA. | 
| debtorAgent.postalAddress.country | The debtor agent’s country. | 2 | 2 | - Must be a two-letter country code. - For IAT, only the first 35 characters of the combined postal and country codes are sent to clearing. | 
| creditor.account.accountNumber | The creditor’s account number. | 1 | - 17 for non-IAT - 35 for IAT |  | 
| creditor.account.accountType | The creditor's account type. | 4 | 4 | - Can be CACC or SVGS. - Defaults to CACC. | 
| creditor.name | The creditor’s name. | 1 | - 15 for CIE - 22 for non-IAT - 35 for IAT |  | 
| creditor.postalAddress.addressLines | The creditor's unstructured address. | 1 | 35 | - For IAT, must provide creditor.postalAddress.addressLines for unstructured addresses or creditor.postalAddress.buildingNumber and creditor.postalAddress.streetName for structured addresses. - Only the first 35 characters of the unstructured address are sent to clearing. | 
| creditor.postalAddress.buildingNumber | The creditor's building number. | 1 | 35 | - For IAT, must provide creditor.postalAddress.addressLines for unstructured addresses or creditor.postalAddress.buildingNumber and creditor.postalAddress.streetName for structured addresses. - Only the first 35 characters of the combined building number and street name are sent to clearing. | 
| creditor.postalAddress.streetName | The creditor's street name. | 1 | 35 | - For IAT, must provide creditor.postalAddress.addressLines for unstructured addresses or creditor.postalAddress.buildingNumber and creditor.postalAddress.streetName for structured addresses. - Only the first 35 characters of the combined building number and street name are sent to clearing. | 
| creditor.postalAddress.city | The creditor's city. | 1 | 35 | - Required for IAT. - Only the first 35 characters of the combined city and country subdivision are sent to clearing. | 
| creditor.postalAddress.postalCode | The creditor's postal code. | 1 | 33 | - Required for IAT. - Only the first 35 characters of the combined postal and country codes are sent to clearing. | 
| creditor.postalAddress.countrySubDivision | The creditor's country subdivision. | 1 | 35 | - Required for IAT - Only the first 35 characters of the combined city and country subdivision are sent to clearing. | 
| creditor.postalAddress.country | The creditor's country. | 2 | 2 | - Must be a two-letter country code. - For IAT, only the first 35 characters of the combined postal and country codes are sent to clearing. | 
| creditorAgent.name | The creditor agent’s name. | 1 | 35 | Required for IAT. | 
| creditorAgent.financialInstitutionIds[].id | The creditor agent’s financial institution ID. | 9 | 9 | Might contain leading zeroes. | 
| creditorAgent.financialInstitutionIds[].idType | The creditor agent's financial institution ID type. | 5 | 5 | Must be USABA. | 
| creditorAgent.postalAddress.country | The creditor agent’s country. | 2 | 2 | Must be a two-letter country code. | 
| additionalParties.ultimateDebtor.name | The ultimate debtor's name. | 1 | - 15 for CIE - 22 for non-IAT - 35 for IAT | Required if different from debtor's details. | 
| additionalParties.ultimateDebtor.postalAddress.addressLines | The ultimate debtor's unstructured address. | 1 | 35 | - For IAT, if different from debtor's details, must provide additionalParties.ultimateDebtor.postalAddress.addressLines for unstructured addresses or additionalParties.ultimateDebtor.postalAddress.buildingNumber and additionalParties.ultimateDebtor.postalAddress.streetName for structured addresses. - Only the first 35 characters of the unstructured address are sent to clearing. | 
| additionalParties.ultimateDebtor.postalAddress.buildingNumber | The ultimate debtor's building number. | 1 | 35 | - For IAT, if different from debtor's details, must provide additionalParties.ultimateDebtor.postalAddress.addressLines for unstructured addresses or additionalParties.ultimateDebtor.postalAddress.buildingNumber and additionalParties.ultimateDebtor.postalAddress.streetName for structured addresses. - Only the first 35 characters of the combined building number and street name are sent to clearing. | 
| additionalParties.ultimateDebtor.postalAddress.streetName | The ultimate debtor’s street name. | 1 | 35 | - For IAT, if different from debtor's details, must provide additionalParties.ultimateDebtor.postalAddress.addressLines for unstructured addresses or additionalParties.ultimateDebtor.postalAddress.buildingNumber and additionalParties.ultimateDebtor.postalAddress.streetName for structured addresses. - Only the first 35 characters of the combined building number and street name are sent to clearing. | 
| additionalParties.ultimateDebtor.postalAddress.city | The ultimate debtor’s city. | 1 | 35 | - For IAT, required if different from debtor's details. - Only the first 35 characters of the combined city and country subdivision are sent to clearing. | 
| additionalParties.ultimateDebtor.postalAddress.postalCode | The ultimate debtor’s postal code. | 1 | 33 | - For IAT, required if different from debtor's details. - Only the first 35 characters of the combined postal and country codes are sent to clearing. | 
| additionalParties.ultimateDebtor.postalAddress.countrySubDivision | The ultimate debtor’s country subdivision. | 1 | 35 | - For IAT, required if different from debtor's details. - Only the first 35 characters of the combined city and country subdivision are sent to clearing. | 
| additionalParties.ultimateDebtor.postalAddress.country | The ultimate debtor’s country. | 2 | 2 | - For IAT, if different from debtor's details, must be a two-letter country code. - Only the first 35 characters of the combined postal and country codes are sent to clearing. | 
| paymentPurpose.categoryPurpose.proprietary | The scheme type’s proprietary code. | 1 | 10 | Must be free form or one of the following: - ACCTVERIFY for micro entries - HCCLAIMPMT for health care claim payments - PAYROLL for payroll payments - PURCHASE for purchases - RECLAIM for reclamations - RETRY PMT for redepositing returned debits due to insufficient funds - REVERSAL for reversal of incorrectly originated payments | 

<span style="font-weight: 300;">The following table contains an optional payment parameter that's often used to initiate an ACH credit payment in the United States: </span>

 
**Optional payment parameter to initiate an ACH credit payment in the United States**

| Field | Description | Minimum | Maximum | Notes | 
| --- | --- | --- | --- | --- | 
| remittanceInformation.unstructuredInformation.text | The payment's remittance information. | 1 | - For CIE, CPD, and non-IAT, 1 line of up to 80 characters - For IAT, 2 lines of up to 80 characters each | Must be in ANSI ASC X12 format. | 

## Related

- For more information about ACH, see [Overview](/docs/treasury/global-payments/capabilities/global-payments-2/ach/index).

- For conditional and optional ACH payment parameters, see the [API specification](/api/treasury/global-payments/global-payments-2/global-payments-2).

## Next steps

- Learn about the [payment parameters](/docs/treasury/global-payments/capabilities/global-payments-2/ach/payment-parameters-debit) for ACH debit payments.

- Learn about the [supported values and resources](/docs/treasury/global-payments/capabilities/global-payments-2/ach/resources) for ACH payment parameters.