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

# J.P. Morgan Business Direct Connect

## Financial account data that users authorize, delivered securely through open standards

- Access prior day balances and transactions
- Fetch full account number and account holder information
- Retrieve monthly bank statements.
- Based on Financial Data Exchange API  standards

## What is the Business Direct Connect API?

J.P. Morgan Business Direct Connect is an implementation of Financial Data Exchange (FDX) API 6.2 standard for reporting financial account data. It implements user authorized access using industry standard OAuth, aligns with FDX user experience guidelines and FDX security profiles

It supports commercial demand deposit accounts (DDA) and provides access to account information, transactions, account statements, full account numbers, and account owner information. It supports users of [Business Direct Connect API](http://digital-banking.jpmorgan.com) for U.S. domiciled DDA accounts of types checking, savings, and money market.

## What you can build

Use the Business Direct Connect API to implement data integrations that power reconciliation, reporting, and auditing workflows in your applications. These examples show concrete outcomes developers can implement quickly.

### Display cash positions

Retrieve prior day balances for selected accounts to provide a daily cash position view that helps you monitor liquidity and concentration and supports next day sweep funding and reconciliation workflows.

### Fetch transaction history

Match bank transactions to your ERP or general ledger, forecast cash using expected inflows and outflows, classify payments, detect anomalies or fraud, and automate workflows.

### Download monthly bank statements in PDF format

Perform month end reconciliation across the ERP or general ledger and the bank balance, then archive an auditable system of record.

### Obtain full account number and account holder information

Verify account details and confirm ownership for payment setup.

## Capabilities

Build secure, consent-driven integrations that access account data and run reliably in both test and production environments.

### Account information

Retrieve a customer’s consented account list and details for use in account selection and to display cash positions

[Learn more](/docs/treasury/jp-morgan-business-direct-connect/capabilities/access-accounts-balances-and-transactions/account-information)

### Account transactions

Fetch transaction history for a selected account over a date range

[Learn more](/docs/treasury/jp-morgan-business-direct-connect/capabilities/account-transactions/account-transactions)

### Account statements

Retrieve available account statements in PDF format for eligible accounts

[Learn more](/docs/treasury/jp-morgan-business-direct-connect/capabilities/account-statements/account-statements)

### Full account number

Fetch the full account number to populate Automated Clearing House (ACH) or wire transfer details and reduce manual entry errors.

[Learn more](/docs/treasury/jp-morgan-business-direct-connect/capabilities/money-movement/full-account-number)

### Account owner information

Fetch account owner information to verify the account and support onboarding use cases

[Learn more](/docs/treasury/jp-morgan-business-direct-connect/capabilities/account-owner-information/account-owner-information)

## Next steps

### Integration guide

Review the integration guide to register your organization and applications and complete consent and data access setup.

[Learn more](/docs/treasury/jp-morgan-business-direct-connect/integration-guide)