Revolutionizing Merchant Integrations with AI Agents and Skills

Rethinking merchant integration

For years, standing up a payments integration has followed the same rhythm: open the API docs, hunt for the right endpoint, decode field constraints, wire up authentication, and hope it works in a lower environment. Developers spent more time reading docs and switching between tabs, support channels, and testing tools than actually building.

Businesses are moving faster than ever, and that traditional model can no longer keep up.

Introducing Skills

AI coding assistant tools can now read instructions, reason over technical context, and take action directly inside a developer's coding environment. Instead of sending developers off to search for answers, they bring the answers to where they already work.

What is a skill?

A skill is a set of instructions and domain knowledge that teaches an agent how to handle a specific task, like a briefing document a human expert reads before an important meeting. The jpm-merchant-integrations skill teaches coding agents how to integrate effectively with J.P. Morgan's Payments APIs, so the assistant already knows the right answers when a developer starts building.

Everything is drawn from J.P. Morgan's publicly available Payments Developer Portal documentation, organized into a format an AI assistant can read, follow, and act on reliably. Because the skill is built from Payments Developer Portal documentation, guidance remains grounded in the same source developers use today. Rather than replacing documentation, the skill helps developers discover and apply that information directly within their development workflow.

Our Integration Skill covers two APIs in depth:

Checkout API: Your fastest path to transacting

Our quickest integration options just got quicker. Drop-in UI allows you to embed a JPM capture form into your Checkout flow to protect sensitive details. Hosted Payment Page lets us manage the whole experience for you. 

The skill covers how checkout sessions are created and configured, your capture methods, and the field constraints that determine whether a request succeeds or fails.

Online Payments API: Total control, built your way

Coverage handles the complete lifecycle (authorization, capture, void, refund) plus more than fifteen payment methods including cards, Digital Wallets, ACH, and SEPA. Every question is routed to the right reference content for precise, portal-grounded guidance, not generic suggestions.

What this means for your business

Consider a direct-to-consumer apparel brand launching a new online storefront or replacing an existing payments integration. They've completed onboarding and hold valid credentials, but need to get to production quickly.

Our integration skill will take it from there. Invoke /jpm-integrations-get-started with your preferred AI coding assistant, and the skill does the rest: confirming credentials, generating an OAuth module with token caching, scaffolding the storefront, and integrating JPM Checkout with your selected Wallets.

Days of work can turn into minutes of guided conversation. The merchant focuses on their brand; the skill handles the integration.

The eCommerce Skill is the first in a growing library for J.P. Morgan Merchant Services designed to help developers accelerate both new integrations and migrations to J.P. Morgan Payments. 

Getting started is simple

The developer drops the skills folder into their project, with no configuration or registration. For GitHub Copilot, placing it at .github/skills/jpm-merchant-integrations/ is enough; Copilot discovers the skill automatically and begins using it the moment a developer asks anything related to J.P. Morgan Payments.

Learn more at https://github.com/jpmorgan-payments/pdp-skills to see how the jpm-merchant-integrations skill can bring your integration into the future.