How developers are building with payments infrastructure
27 June 2025
Recap from our J.P. Morgan Payments and Routable SF developer meetup
At the recent J.P. Morgan Payments and Routable developer meetup in San Francisco, a group of developers, product builders, and fintech operators came together to talk about how payments infrastructure is becoming more accessible and more programmable. The discussion focused on how modern APIs are making it easier for developers to integrate financial services into the products they’re building, without the heavy lift of working through traditional banking contracts or systems.
One demo walked through a simple but powerful use case: an artist selling their work through a fictional marketplace. Using just a few APIs, developers were able to verify the seller’s bank account, accept a customer payment, and initiate a payout - all using mock credentials in a developer sandbox. The process used Validation Services, Online Payments, and Global Payments APIs, but the broader idea was what stood out: developers no longer need to be fintech insiders to build workflows that move money securely and at scale.
The event also highlighted how the developer experience around financial services is evolving. A few years ago, integrating with a bank often meant working with static documents, lengthy credentialing processes, and environments that didn’t resemble production. Today, teams have access to API explorers, consistent error handling, and more realistic testing tools that speed up development and reduce guesswork.
The conversation underscored a broader trend: financial infrastructure is shifting from closed systems to flexible, programmable services. As more core banking capabilities become accessible through APIs, developers can focus on building for their users - whether that’s onboarding vendors, automating payouts, or enabling new types of transactions.
Routable brought this to life where they demonstrated how account validation plays a critical role in streamlining B2B payment flows. By integrating with validation services, they presented a use case where businesses can verify bank account ownership in real-time, helping to reduce the risk of fraud and failed transfers. This capability is especially valuable in high-volume payout scenarios, where automating account verification can not only help enhance security but also help improve vendor onboarding and user trust. Their example illustrates how modern financial infrastructure empowers developers to build secure, user-centric financial experiences with greater speed and control.
Beyond the technical takeaways, what stood out most was the value of community. Events like this create space for builders to share feedback, swap implementation stories, and ask critical questions directly to the teams building these platforms. That exchange can help shape better tools and ensures developer needs stay at the center of infrastructure design. Whether you’re at a startup or an enterprise team, these conversations can help surface the real-world friction - and opportunities - facing engineers building with money movement in mind.
The meetup reflected a broader shift in the role of developers working with financial systems. As financial infrastructure becomes increasingly API-driven, developers are often the first line of exploration, integration, and iteration. These capabilities are no longer limited to fintech companies. Teams building platforms, marketplaces, or SaaS tools are finding new ways to embed payment flows and financial logic into their products without needing to become banking experts.
As payment infrastructure continues to evolve, we are excited to continue hosting similar events, where developers and tech enthusiasts can stay current with new tools, learn from peers, and better understand how financial capabilities are being built into modern software. If you’re a developer working with payments or planning to, we encourage you to join us at our next meetup to continue the conversation and connect with others building in this space.
Next Steps
The J.P. Morgan Payments Developer Portal, is where you’ll find documentation, sandbox access, and practical examples to get started.
If you are interested in any of the APIs mentioned above you can also check them out on the Payments Developer Portal: