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

# Move funds between virtual accounts (Virtual-to-Virtual)

## Overview

A Virtual-to-Virtual (V2V) transaction virtually transfers funds within a J.P. Morgan Wallet™ Demand Deposit Account (DDA), from one Virtual Transaction Account (VTA) to another.

Some examples of moving funds between VTAs are:

- From the [Default (Reconciliation) VTA](/docs/treasury/jp-morgan-wallet/capabilities/accounts/overview#standard-virtual-accounts) to another VTA in cases where payments are returned

- From a counterparty's VTA to a revenue VTA

- Between VTAs in cases of errors

For an overview of payment types in Wallet, see [Payments](/docs/treasury/jp-morgan-wallet/capabilities/payments/overview).

### Use cases

The following are examples of use cases where you might execute a V2V transaction:

- Merchant services platform: Needs to allocate funds to pay its merchants. When a customer pays at one of its terminals, it transfers the funds to its "revenue VTA." It keeps a portion of the funds, and executes a V2V transaction to transfer the rest from the revenue VTA to the merchant's VTA. Finally, it pays out the funds to the merchant's DDA.

- Video game company: Needs to allocate funds representing in-game currency for its players. When a player buys in-game currency, the company transfers the funds to its "revenue VTA." Then, it executes a V2V transaction to transfer the funds from the revenue VTA to the player's VTA.

- Marketplace platform: Needs to allocate funds to pay its sellers. When a customer buys something, the platform transfers the funds to its "revenue VTA." It keeps a portion of the funds, and executes a V2V transaction to transfer the rest from the revenue VTA to the seller's VTA. Finally, it pays out the funds to the seller's DDA.

### Key information

The following table describes important information about V2V transactions.

 
**Key information for V2V**

| Production endpoint | v3.x: Not supported | v2.x: https://apigateway.jpmorgan.com/tsapi/v2/jpmwallet/payments/batch | 
| --- | --- | --- | 
| Client testing endpoint | v3.x: Not supported | v2.x: https://apigatewaycat.jpmorgan.com/tsapi/v2/jpmwallet/payments/batch | 
| API reference | v3.x: N/A | v2.x: [Initiate one or many PayIn, PayTo, PayInto or v2v transfers](/api/treasury/jp-morgan-wallet/doc-2#/operations/batchPayments) | 
| Supported branches | All Wallet-supported J.P. Morgan Chase Bank branches (see [Reference - Supported branches and their Business Identifier Codes](/docs/treasury/jp-morgan-wallet/reference#supported-branches-and-their-business-identifier-codes-bics)) | 
| Supported currencies | All Wallet-supported currencies (see [Reference - Supported account currencies by branch](/docs/treasury/jp-morgan-wallet/reference#supported-account-currencies-by-branch)) | 
| Supported account types | Demand Deposit Account (DDA) | 
| Payment type | V2V | 
| Payment flows | - Domestic, same currency: All Wallet-supported currencies - Domestic, Foreign Exchange (FX): Not supported - Cross-border, same currency: Not supported - Cross-border, FX: Not supported | 
| Transaction limit | No limit | 
| Cut-off time | Virtual accounting is available 24x7 | 
| Settlement period | N/A | 
| Returns, recalls, and reversals | Not supported - send a [V2V](/docs/treasury/jp-morgan-wallet/capabilities/payments/internal/v2v) request to transfer funds back to original VTA | 
| Service level code | N/A | 

### Prerequisites

We enable V2V transactions when we configure your Wallet program. For more information, ask your J.P. Morgan representative.

### Reporting

V2V transactions appear on your daily **TRANSACTION ACTIVITY** reports.

The following table is an example of what a V2V transaction on a **TRANSACTION ACTIVITY** report might look like.

 
**TRANSACTION ACTIVITY report example**

| CLIENT ID | 0001318690 | 
| --- | --- | 
| PROGRAM ID | 1000000003 | 
| BUSINESS PROCESSING DATE | 3/10/2026 | 
| BANK NAME | JPM New York | 
| WALLET DDA NUMBER | XXXXXXXXXX | 
| WALLET CURRENCY | USD | 
| RECEIVED DATE | 3/10/2026 | 
| REQUESTED VALUE DATE | 3/10/2026 | 
| VALUE DATE | 3/10/2026 | 
| CLIENT TXN ID | 2026031000312915 | 
| TXN TYPE | V2V | 
| DEBTOR ACCOUNT | XXXXXXXXXX | 
| DEBTOR VIRTUAL ACCOUNT ID | SANGITA-VA-01 | 
| DEBTOR AGENT | JPMORGAN CHASE BANK N.A. | 
| DEBTOR AGENT ID | CHASUS33XXX | 
| DEBIT AMOUNT | 0.01 | 
| DEBIT CURRENCY | USD | 
| CREDITOR ACCOUNT | XXXXXXXXXX | 
| CREDITOR VIRTUAL ACCOUNT | SANGITA-VA-03 | 
| CREDITOR AGENT | JPMORGAN CHASE BANK N.A. | 
| CREDITOR AGENT ID | CHASUS33XXX | 
| CREDIT AMOUNT | 0.01 | 
| CREDIT CURRENCY | USD | 
| STATUS | COMPLETED | 
| PRN | XXXXXXXXXX | 
| BATCH ID | V2V2026031000312915 | 
| MATCHED REFERENCE ID | 2026031000312915 | 

### Notes

Note the following points about V2V transactions.

- You can view V2V transactions in Wallet reports and queries.

- You can only initiate one transaction per request.

- Both the debited VTA and the credited VTA must be held at the same branch, use the same currency, and be located in the same Wallet program.

- You must include both an ultimate debtor and an ultimate creditor in the request body because you must specify the VTA to debit and the VTA to credit.

## Important parameters

The following sections list important parameters in the V2V request along with their requirements.

Not all parameters are listed here—for a complete list, see the API reference.

### Header parameters

Include the following parameters in the header.

 
**Header parameters for V2V request**

| Parameter | Required / Optional | Description | 
| --- | --- | --- | 
| programId | Required | Your Wallet program ID. | 
| transactionType | Required | The type of the transaction. Set to V2V. | 

### Body parameters

Note the following important body parameters for V2V.

#### groupHeader

The `groupHeader` object contains information about the batch of transactions.

 
**V2V: groupHeader**

| Parameter | Required / Optional | Description | 
| --- | --- | --- | 
| creationDateTime | Required | Date and time when the request was created. Must be in local time with the time zone offset to UTC in the following format: YYYY-MM-DDThh:mm:ss±hh:mm | 
| controlSum | Optional | Sum of the transaction amounts in the request. | 
| messageIdentification | Required | Unique request ID. Maximum 35 characters. | 
| numberOfTransactions | Required | Total number of transactions in the request. Must be 1. | 

The following code snippet is an example of the `groupHeader` object.

```json
{
    "groupHeader": {
        "messageIdentification": "G1750764132",
        "creationDateTime": "2025-06-24T11:22:11.000+0000",
        "numberOfTransactions": 1,
        "controlSum": 50
    }
}
```

#### paymentInformation

The `paymentInformation` object contains parameters related to the payment.

 
**V2V: paymentInformation**

| Parameter | Required / Optional | Description | 
| --- | --- | --- | 
| controlSum | Optional | Sum of the transaction amounts in the batch. | 
| numberOfTransactions | Optional | Total number of transactions in the batch. Must be 1. | 
| paymentInformationIdentification | Required | Unique ID of the payment. Maximum 35 characters. | 
| paymentMethod | Required | Set to BOOK. For more information about payment methods, see [Payments - Payment methods](/docs/treasury/jp-morgan-wallet/capabilities/payments/overview#payment-methods). | 
| requestedExecutionDate | Required | Date when the transaction should be executed in YYYY-MM-DD format. Must be either the date that you submit the request (T) or the previous day (T-1). | 

The following code snippet is an example of the `paymentInformation` object.

```json
{
    "paymentInformation": {
        "paymentInformationIdentification": "V2VG1750764132",
        "numberOfTransactions": 1,
        "controlSum": 50,
        "paymentMethod": "BOOK",
        "requestedExecutionDate": "2025-06-24"
    }
}
```

#### paymentInformation.debtorAccount

The paymentInformation.`debtorAccount` object contains information about the bank account of the debtor.

 
**V2V: paymentInformation.debtorAccount**

| Parameter | Required / Optional | Description | 
| --- | --- | --- | 
| identification.other.identification | Required | ID of the Wallet DDA. The debited VTA and the credited VTA must be located in the same Wallet DDA. Maximum 34 characters. | 

The following code snippet is an example of the paymentInformation.`debtorAccount` object.

```json
{
    "paymentInformation": {
        "debtorAccount": {
            "identification": {
                "other": {
                    "identification": "XXXXXXXXXX"
                }
            }
        }
    }
}
```

#### paymentInformation.debtorAgent

The paymentInformation.`debtorAgent` object contains information about the debtor bank branch.

 
**V2V: paymentInformation.debtorAgent**

| Field | Required / Optional | Description | 
| --- | --- | --- | 
| financialInstitutionIdentification.bic | Required | SWIFT BIC of the branch where the Wallet DDA is located. The debited VTA and the credited VTA must be located in the same branch. Maximum 11 characters. | 

The following code snippet is an example of the paymentInformation.`debtorAgent` object.

```json
{
    "paymentInformation": {
        "debtorAgent": {
            "financialInstitutionIdentification": {
                "bic": "CHASUS33XXX"
            }
        }
    }
}
```

#### paymentInformation.creditTransferTransactionInformation

The paymentInformation.`creditTransferTransactionInformation` object contains information about the transaction such as the creditor, the ultimate debtor, and the ultimate creditor.

 
**paymentInformation.creditTransferTransactionInformation**

| Parameter | Required / Optional | Description | 
| --- | --- | --- | 
| amount.instructedAmount.amount | Required | Amount of money to transfer between VTAs. Must be less than or equal to the amount currently in the ultimate debtor VTA. Maximum 18 digits with six decimal places. | 
| amount.instructedAmount.currency | Required | Currency of the funds in the Wallet DDA. | 
| creditorAccount.identification.other.identification | Conditionally required | ID of the Wallet DDA. The debited VTA and the credited VTA must be located in the same Wallet DDA. Maximum 34 characters. Required if creditorAccount is present. | 
| creditorAgent.financialInstitutionIdentification.bic | Required | SWIFT BIC of the branch where the Wallet DDA is located. The debited VTA and the credited VTA must be located in the same branch. Maximum 11 characters. | 
| paymentIdentification.endToEndIdentification | Required | Unique ID for tracing requests and responses for this transaction. Maximum 16 characters. | 
| ultimateCreditor.identification.organisationIdentification.other.identification | Required | ID of the VTA to credit. | 
| ultimateCreditor.identification.organisationIdentification.other.schemeName.proprietary | Required | Set to virtualAccountIdentification. | 
| ultimateDebtor.identification.organisationIdentification.other.identification | Required | ID of the VTA to debit. | 
| ultimateDebtor.identification.organisationIdentification.other.schemeName.proprietary | Required | Set to virtualAccountIdentification. | 

The following code snippet is an example of the paymentInformation.`creditTransferTransactionInformation` object.

```json
{
    "paymentInformation": {
        "creditTransferTransactionInformation": [
            {
                "paymentIdentification": {
                    "endToEndIdentification": "G1750764132"
                },
                "amount": {
                    "instructedAmount": {
                        "amount": 50,
                        "currency": "USD"
                    }
                },
                "ultimateDebtor": {
                    "identification": {
                        "organisationIdentification": {
                            "other": [
                                {
                                    "identification": "VAID00002",
                                    "schemeName": {
                                        "proprietary": "virtualAccountIdentification"
                                    }
                                }
                            ]
                        }
                    }
                },
                "creditorAgent": {
                    "financialInstitutionIdentification": {
                        "bic": "CHASUS33XXX"
                    }
                },
                "creditorAccount": {
                    "identification": {
                        "other": {
                            "identification": "XXXXXXXXXX"
                        }
                    }
                },
                "ultimateCreditor": {
                    "identification": {
                        "organisationIdentification": {
                            "other": [
                                {
                                    "identification": "VTA-G1731681820",
                                    "schemeName": {
                                        "proprietary": "virtualAccountIdentification"
                                    }
                                }
                            ]
                        }
                    }
                }
            }
        ]
    }
}
```

## Examples

### Request with minimum required data

The following example shows a request with the minimum data required to execute a V2V transaction from one VTA to another.

```json
{
    "groupHeader": {
        "messageIdentification": "G1750764132",
        "creationDateTime": "2025-06-24T11:22:11.000+0000",
        "numberOfTransactions": 1
    },
    "paymentInformation": {
        "paymentInformationIdentification": "V2VG1750764132",
        "paymentMethod": "BOOK",
        "requestedExecutionDate": "2025-06-24",
        "debtorAccount": {
            "identification": {
                "other": {
                    "identification": "XXXXXXXXXX"
                }
            }
        },
        "debtorAgent": {
            "financialInstitutionIdentification": {
                "bic": "CHASUS33XXX"
            }
        },
        "creditTransferTransactionInformation": [
            {
                "paymentIdentification": {
                    "endToEndIdentification": "G1750764132"
                },
                "amount": {
                    "instructedAmount": {
                        "amount": 50,
                        "currency": "USD"
                    }
                },
                "ultimateDebtor": {
                    "identification": {
                        "organisationIdentification": {
                            "other": [
                                {
                                    "identification": "VAID00002",
                                    "schemeName": {
                                        "proprietary": "virtualAccountIdentification"
                                    }
                                }
                            ]
                        }
                    }
                },
                "creditorAgent": {
                    "financialInstitutionIdentification": {
                        "bic": "CHASUS33XXX"
                    }
                },
                "ultimateCreditor": {
                    "identification": {
                        "organisationIdentification": {
                            "other": [
                                {
                                    "identification": "VTA-G1731681820",
                                    "schemeName": {
                                        "proprietary": "virtualAccountIdentification"
                                    }
                                }
                            ]
                        }
                    }
                }
            }
        ]
    }
}
```

### Request with optional data

The following example shows a request to execute a V2V transaction from one VTA to another with optional parameters.

```json
{
    "groupHeader": {
        "messageIdentification": "G1750764132",
        "creationDateTime": "2025-06-24T11:22:11.000+0000",
        "numberOfTransactions": 1,
        "controlSum": 50
    },
    "paymentInformation": {
        "paymentInformationIdentification": "V2VG1750764132",
        "numberOfTransactions": 1,
        "controlSum": 50,
        "paymentMethod": "BOOK",
        "requestedExecutionDate": "2025-06-24",
        "debtorAccount": {
            "identification": {
                "other": {
                    "identification": "XXXXXXXXXX"
                }
            }
        },
        "debtorAgent": {
            "financialInstitutionIdentification": {
                "bic": "CHASUS33XXX"
            }
        },
        "creditTransferTransactionInformation": [
            {
                "paymentIdentification": {
                    "endToEndIdentification": "G1750764132"
                },
                "amount": {
                    "instructedAmount": {
                        "amount": 50,
                        "currency": "USD"
                    }
                },
                "ultimateDebtor": {
                    "identification": {
                        "organisationIdentification": {
                            "other": [
                                {
                                    "identification": "VAID00002",
                                    "schemeName": {
                                        "proprietary": "virtualAccountIdentification"
                                    }
                                }
                            ]
                        }
                    }
                },
                "creditorAgent": {
                    "financialInstitutionIdentification": {
                        "bic": "CHASUS33XXX"
                    }
                },
                "creditorAccount": {
                    "identification": {
                        "other": {
                            "identification": "XXXXXXXXXX"
                        }
                    }
                },
                "ultimateCreditor": {
                    "identification": {
                        "organisationIdentification": {
                            "other": [
                                {
                                    "identification": "VTA-G1731681820",
                                    "schemeName": {
                                        "proprietary": "virtualAccountIdentification"
                                    }
                                }
                            ]
                        }
                    }
                }
            }
        ]
    }
}
```

### Response

The following is the synchronous response to the previous example request.

```json
{
    "groupHeader": {
        "messageIdentification": "e79209a2-4809-465f-989d-1d227be6729f",
        "creationDateTime": "2025-06-24T11:22:15.000+0000"
    },
    "originalGroupInformationAndStatus": {
        "originalMessageIdentification": "G1750764132",
        "originalMessageNameIdentification": "API-V2V",
        "originalCreationDateTime": "2025-06-24T11:22:11.000+0000",
        "originalNumberOfTransactions": 1,
        "originalControlSum": 50,
        "groupStatus": "ACTC",
        "statusReasonInformation": [],
        "numberOfTransactionsPerStatus": [
            {
                "detailedNumberOfTransactions": "1",
                "detailedStatus": "ACTC",
                "detailedControlSum": 50
            }
        ]
    },
    "originalPaymentInformationAndStatus": {
        "originalPaymentInformationIdentification": "V2VG1750764132",
        "paymentInformationStatus": "ACTC",
        "statusReasonInformation": [],
        "numberOfTransactionsPerStatus": [
            {
                "detailedNumberOfTransactions": "1",
                "detailedStatus": "ACTC",
                "detailedControlSum": 50
            }
        ],
        "transactionInformationAndStatus": [
            {
                "originalEndToEndIdentification": "G1750764132",
                "transactionStatus": "ACTC",
                "statusReasonInformation": [],
                "acceptanceDateTime": "2025-06-24T11:22:15.346+0000",
                "accountServicerReference": "ed5d7f04-dfaa-4e96-8d5d-758439ad69b5",
                "originalTransactionReference": {
                    "amount": {
                        "instructedAmount": {
                            "amount": 50,
                            "currency": "USD"
                        }
                    },
                    "requestedExecutionDate": "2025-06-24",
                    "paymentMethod": "BOOK",
                    "ultimateDebtor": {
                        "identification": {
                            "organisationIdentification": {
                                "other": [
                                    {
                                        "identification": "VAID00002",
                                        "schemeName": {
                                            "proprietary": "virtualAccountIdentification"
                                        }
                                    }
                                ]
                            }
                        }
                    },
                    "debtorAccount": {
                        "identification": {
                            "other": {
                                "identification": "XXXXXXXXXX"
                            }
                        },
                        "currency": "USD",
                        "name": "WALLET DDA"
                    },
                    "debtorAgent": {
                        "financialInstitutionIdentification": {
                            "bic": "CHASUS33XXX"
                        }
                    },
                    "creditorAgent": {
                        "financialInstitutionIdentification": {
                            "bic": "CHASUS33XXX"
                        }
                    },
                    "creditorAccount": {
                        "identification": {
                            "other": {
                                "identification": "XXXXXXXXXX"
                            }
                        },
                        "currency": "USD"
                    },
                    "ultimateCreditor": {
                        "identification": {
                            "organisationIdentification": {
                                "other": [
                                    {
                                        "identification": "VTA-G1731681820",
                                        "schemeName": {
                                            "proprietary": "virtualAccountIdentification"
                                        }
                                    }
                                ]
                            }
                        }
                    }
                }
            }
        ]
    }
}
```

### Notification

The following is the asynchronous notification that Wallet sends after completing the previous example request.

```json
{
    "groupHeader": {
        "messageIdentification": "13a56e71-f2e3-46b4-876f-b59ba5ed9b57",
        "creationDateTime": "2025-06-24T11:22:21.731+0000"
    },
    "originalGroupInformationAndStatus": {
        "originalMessageIdentification": "G1750764132",
        "originalMessageNameIdentification": "API-V2V",
        "originalNumberOfTransactions": 1
    },
    "originalPaymentInformationAndStatus": {
        "originalPaymentInformationIdentification": "V2VG1750764132",
        "transactionInformationAndStatus": [
            {
                "originalEndToEndIdentification": "G1750764132",
                "transactionStatus": "ACSC",
                "statusReasonInformation": [
                    {
                        "additionalInformation": [
                            "/eventType/PaymentComplete",
                            "/POSTED-BALANCE:ultimateCreditor:ACCOUNT-TYPE/TRANSACTION",
                            "/POSTED-BALANCE:ultimateCreditor:VERSION/1",
                            "/POSTED-BALANCE:ultimateCreditor:ITBD/60.0",
                            "/POSTED-BALANCE:ultimateCreditor:ITAV/60.0",
                            "/POSTED-BALANCE:ultimateCreditor:XPCD/60.0",
                            "/POSTED-BALANCE:ultimateCreditor:EFFECTIVE-DATE/2025-06-24",
                            "/POSTED-BALANCE:ultimateCreditor:TIMESTAMP/2025-06-24T11:22:17.792+00:00",
                            "/POSTED-BALANCE:ultimateDebtor:ACCOUNT-TYPE/TRANSACTION",
                            "/POSTED-BALANCE:ultimateDebtor:VERSION/1",
                            "/POSTED-BALANCE:ultimateDebtor:ITBD/899532864.37420",
                            "/POSTED-BALANCE:ultimateDebtor:ITAV/897039147.92420",
                            "/POSTED-BALANCE:ultimateDebtor:XPCD/899532960.22420",
                            "/POSTED-BALANCE:ultimateDebtor:EFFECTIVE-DATE/2025-06-24",
                            "/POSTED-BALANCE:ultimateDebtor:TIMESTAMP/2025-06-24T11:22:17.792+00:00"
                        ]
                    }
                ],
                "acceptanceDateTime": "2025-06-24T11:22:16.194+0000",
                "originalTransactionReference": {
                    "amount": {
                        "instructedAmount": {
                            "amount": 50,
                            "currency": "USD"
                        }
                    },
                    "requestedExecutionDate": "2025-06-24",
                    "paymentMethod": "BOOK",
                    "ultimateDebtor": {
                        "identification": {
                            "organisationIdentification": {
                                "other": [
                                    {
                                        "identification": "XXXXXXXXX",
                                        "schemeName": {
                                            "proprietary": "virtualAccountIdentification"
                                        }
                                    }
                                ]
                            }
                        }
                    },
                    "debtorAccount": {
                        "identification": {
                            "other": {
                                "identification": "XXXXXXXXXX"
                            }
                        },
                        "currency": "USD"
                    },
                    "debtorAgent": {
                        "financialInstitutionIdentification": {
                            "bic": "XXXXXXXXXXX"
                        }
                    },
                    "creditorAgent": {
                        "financialInstitutionIdentification": {
                            "bic": "XXXXXXXXXXX"
                        }
                    },
                    "creditorAccount": {
                        "identification": {
                            "other": {
                                "identification": "XXXXXXXXXX"
                            }
                        },
                        "currency": "USD"
                    },
                    "ultimateCreditor": {
                        "identification": {
                            "organisationIdentification": {
                                "other": [
                                    {
                                        "identification": "XXXXXXXXXXXXXXX",
                                        "schemeName": {
                                            "proprietary": "virtualAccountIdentification"
                                        }
                                    }
                                ]
                            }
                        }
                    }
                }
            }
        ]
    }
}
```