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

# Reversal of PayInto Receipt (Credit Reversal)

## Overview

A [PayInto Receipt](/docs/treasury/jp-morgan-wallet/capabilities/payments/incoming/payinto-receipt) transaction occurs when a counterparty sends funds from their physical bank account to a Virtual Transaction Account (VTA) in your J.P. Morgan Wallet™ program using a [Payment Routing Number (PRN)](/docs/treasury/jp-morgan-wallet/capabilities/accounts/overview#payment-routing-numbers).

If the payment rail that the counterparty uses allows it, the counterparty can request a reversal of the transaction within a certain time frame. This is called a "Credit Reversal."

If the reversal is successful, Wallet deducts the funds from the VTA that originally received the funds and sends you a notification.

<blockquote>
 **Notes:**

 
- Only the US ACH payment rail is supported.

- To use Credit Reversals, we must turn it on for you. If the feature is not turned on, reversals will be labeled "Miscellaneous Debit."

</blockquote>

## Notification

Because Wallet clients do not initiate Credit Reversals, there is no endpoint for you to send requests to. However, Wallet sends a notification with information about the Credit Reversal after Wallet completes the transaction. See the following example.

## Example

The following is an example of a notification that Wallet sends after completing a Credit Reversal.

```json
{
    "groupHeader": {
        "messageIdentification": "a232f610-4a32-4a90-b452-b8b835ec0481",
        "creationDateTime": "2025-11-10T21:26:54.005+0000"
    },
    "originalGroupInformationAndStatus": {
        "originalMessageIdentification": "18d6daa7-c2a9-4640-9f04-c86ea678936",
        "originalMessageNameIdentification": "API-CREDITREVERSAL",
        "originalNumberOfTransactions": 0
    },
    "originalPaymentInformationAndStatus": {
        "originalPaymentInformationIdentification": "",
        "transactionInformationAndStatus": [
            {
                "originalEndToEndIdentification": "TY07swq4rqwe",
                "transactionStatus": "ACSC",
                "statusReasonInformation": [
                    {
                        "additionalInformation": [
                            "/eventType/PaymentComplete",
                            "/POSTED-BALANCE:ultimateDebtor:ACCOUNT-TYPE/TRANSACTION",
                            "/POSTED-BALANCE:ultimateDebtor:VERSION/50",
                            "/POSTED-BALANCE:ultimateDebtor:ITBD/104056.903",
                            "/POSTED-BALANCE:ultimateDebtor:ITAV/104056.903",
                            "/POSTED-BALANCE:ultimateDebtor:XPCD/104056.903",
                            "/POSTED-BALANCE:ultimateDebtor:EFFECTIVE-DATE/2025-11-10",
                            "/POSTED-BALANCE:ultimateDebtor:TIMESTAMP/2025-11-10T21:26:51.905+00:00"
                        ]
                    }
                ],
                "acceptanceDateTime": "2025-11-10T21:26:50.987+0000",
                "accountServicerReference": "TY07swq4rqwe",
                "originalTransactionReference": {
                    "amount": {
                        "instructedAmount": {
                            "amount": 0.12,
                            "currency": "USD"
                        }
                    },
                    "requestedExecutionDate": "2025-11-10",
                    "paymentMethod": "BOOK",
                    "remittanceInformation": [
                        {
                            "remittanceInformationText": "ORIG CO NAME:IOWA CLINIC PC         ORIG ID:3421420077 DESC DATE:250227 CO ENTRY DESCR:REVERSALSEC:CCD    TRACE#:073000646689670 EED:250227",
                            "remittanceSequenceNumber": "1"
                        },
                        {
                            "remittanceInformationText": "IND ID:                             IND NAME:CHASE BANK                 VXR/10000000000054 TRN: 0576689670TC",
                            "remittanceSequenceNumber": "2"
                        }
                    ],
                    "debtorAccount": {
                        "identification": {
                            "other": {
                                "identification": "XXXXXXXXXX"
                            }
                        },
                        "currency": "USD"
                    },
                    "debtorAgent": {
                        "financialInstitutionIdentification": {
                            "bic": "XXXXXXXXXXX"
                        }
                    },
                    "creditorAgent": {
                        "financialInstitutionIdentification": {
                            "bic": "XXXXXXXXXXX"
                        }
                    },
                    "creditorAccount": {
                        "identification": {
                            "other": {
                                "identification": "XXXXXXXXXXX"
                            }
                        },
                        "currency": "USD"
                    },
                    "receiver": {
                        "name": "XXXXXXXXXXX"
                    }
                }
            }
        ]
    }
}
```