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Online Payments

EU local payment methods

Local payment methods offered in the European Union (EU)

The following table shows the local payment methods offered in the European Union (EU).

EU local payment details
Payment method Payment type Consumer (country) Merchant (country) Presentment currency

iDEAL

Bank transfer
  • Netherlands (NL)
  • Austria (AT)
  • Belgium (BE)
  • Switzerland (CH)
  • Cyprus (CY)
  • Czech Republic (CZ)
  • Germany (DE)
  • Denmark (DK)
  • Spain (ES)
  • Finland (FI)
  • France (FR)
  • United Kingdom (GB)
  • Guernsey (GG)
  • Gibraltar (GI)
  • Ireland (IE)
  • Isle of Man (IM)
  • Italy (IT)
  • Jersey (JE)
  • Luxembourg (LU)
  • Malta (MT)
  • Netherlands (NL)
  • Norway (NO)
  • Portugal (PT)
  • Sweden (SE)

EUR

Trustly

Bank transfer
  • Austria (AT)
  • Germany (DE)
  • Denmark (DK)
  • Estonia (EE)
  • Spain (ES)
  • Finland (FI)
  • United Kingdom (GB)
  • Lithuania (LT)
  • Latvia (LV)
  • Netherlands (NL)
  • Norway (NO)
  • Sweden (SE)
  • Austria (AT)
  • Belgium (BE)
  • Switzerland (CH)
  • Cyprus (CY)
  • Czech Republic (CZ)
  • Germany (DE)
  • Denmark (DK)
  • Spain (ES)
  • Finland (FI)
  • France (FR)
  • United Kingdom (GB)
  • Guernsey (GG)
  • Gibraltar (GI)
  • Ireland (IE)
  • Isle of Man (IM)
  • Italy (IT)
  • Jersey (JE)
  • Luxembourg (LU)
  • Malta (MT)
  • Netherlands (NL)
  • Norway (NO)
  • Portugal (PT)
  • Sweden (SE)

EUR, GBP, SEK

PayPal

Wallet
  • Global
  • Austria (AT)
  • Belgium (BE)
  • Switzerland (CH)
  • Cyprus (CY)
  • Czech Republic (CZ)
  • Germany (DE)
  • Denmark (DK)
  • Spain (ES)
  • Finland (FI)
  • France (FR)
  • United Kingdom (GB)
  • Guernsey (GG)
  • Gibraltar (GI)
  • Ireland (IE)
  • Isle of Man (IM)
  • Italy (IT)
  • Jersey (JE)
  • Luxembourg (LU)
  • Malta (MT)
  • Netherlands (NL)
  • Norway (NO)
  • Portugal (PT)
  • Sweden (SE)

EUR, GBP, SEK, USD

Alipay

Wallet
  • China (CN)
  • Austria (AT)
  • Belgium (BE)
  • Switzerland (CH)
  • Cyprus (CY)
  • Czech Republic (CZ)
  • Germany (DE)
  • Denmark (DK)
  • Spain (ES)
  • Finland (FI)
  • France (FR)
  • United Kingdom (GB)
  • Guernsey (GG)
  • Gibraltar (GI)
  • Ireland (IE)
  • Isle of Man (IM)
  • Italy (IT)
  • Jersey (JE)
  • Luxembourg (LU)
  • Malta (MT)
  • Netherlands (NL)
  • Norway (NO)
  • Portugal (PT)
  • Sweden (SE)

EUR, GBP, USD

WeChat Pay

Wallet
  • China (CN)
  • Switzerland (CH)
  • Germany (DE)
  • France (FR)
  • United Kingdom (GB)
  • Hungary (HU)
  • Ireland (IE)
  • Luxembourg (LU)
  • Netherlands (NL)
  • Norway (NO)
  • Italy (IT)
  • United Kingdom (GB)
  • Switzerland (CH)
  • Italy (IT)
 EUR, USD
  • France (FR)
  • Germany (DE)
  • Luxembourg (LU)
  • Hungary (HU)
  • Ireland (IE)
  • Norway (NO)
  • Netherlands (NL)
 EUR

Before you begin

Refer to the payment methods page for an overview of the various payment methods.

How it works

  1. You send a POST request to the /intent endpoint (Refer to the following page on how to setup a checkout Intent).
    1. You must provide the consumer name and address in the consumer.billingAddress object in the POST request.
  2. Consumer selects to pay with one of the above methods of payment on the Checkout page.
  3. Consumer completes the payment.
  4. The consumer's bank processes the payment and returns the payment status to J.P. Morgan.
  5. Checkout returns the status of payment in the Order Notification (You must send a GET request to the /notifications endpoint to retrieve the order notification). Following are the possible status returned :
    1. STATUS_SUCCESS : Payment is successful.
    2. STATUS_FAILURE : Payment has failed.
    3. STATUS_PENDING : Payment is in process, it will be followed by the final disposition of the payment.
      1. If you receive the pending status, you must retrieve the order notification again to receive the final payment status-STATUS_SUCCESS or STATUS_FAILURE.
      2. You will receive two order notifications in this case for the given merchantOrderNumber - first with STATUS_PENDING followed by a status of STATUS_SUCCESS or STATUS_FAILURE.

Sample notification with STATUS_PENDING

Json
{
  "messageInfo": {
    "messageId": "1c3062bd-e793-4a04-9c6a-23b19e874342",
    "receiptHandle": ""
  },
  "createdAt": "2025-03-27T11:12:18.239113Z",
  "orderNotification": {
    "checkoutIntent": "CHECKOUT_INTENT_AUTH_ONLY",
    "status": "STATUS_PENDING",
    "transactionReference": "69341c86-23ca-4ca3-b161-1d4b60fba037",
    "mitTransactionReference": "",
    "checkoutReference": "1003814022",
    "totalAmount": {
      "amount": "189010",
      "currencyCode": "EUR",
      "decimalCount": 2
    },
    "transactionTimestamp": "2025-03-27T11:11:10.851Z",
    "fraudCheckStatus": "FRAUD_CHECK_STATUS_UNSPECIFIED",
    "last4OfCardPan": "",
    "responseCode": "CONSUMER_PENDING",
    "responseMessage": "Pending the completion of the payment by the consumer",
    "mandateAcknowledgement": [
      {
        "mandates": [
          {
            "mandateRef": "sample order mandate",
            "acknowledgementType": "ACKNOWLEDGEMENT_TYPE_EXPLICIT",
            "acceptedFlag": "ACCEPTED_FLAG_Y",
            "mandateVerbiage": "sample order mandate",
            "mandateType": "MANDATE_TYPE_PLACE_ORDER"
          },
          {
            "mandateRef": "",
            "acknowledgementType": "ACKNOWLEDGEMENT_TYPE_EXPLICIT",
            "acceptedFlag": "ACCEPTED_FLAG_Y",
            "mandateVerbiage": "sample order mandate - 2",
            "mandateType": "MANDATE_TYPE_PLACE_ORDER"
          }
        ],
        "device": {
          "deviceIp": "170.148.244.10",
          "userAgent": "Mozilla/5.0 (Macintosh; Intel Mac OS X 10_15_7) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/133.0.0.0 Safari/537.36"
        },
        "acceptedTimestamp": "2025-03-27T11:11:13.350Z",
        "consents": []
      }
    ],
    "merchantOrderNumber": "1003814022",
    "paymentMethod": {
      "paymentMethodType": "PAYMENT_METHOD_TYPE_CODE_ALI_PAY",
      "maskedAccountNumber": "",
      "approvalCode": ""
    },
    "requestId": "53a14af5663b419d8a2264",
    "accountHolder": {
      "billingAddress": {
        "recipientFullName": "Guest Shopper",
        "line1": "",
        "line2": "",
        "line3": "",
        "city": "",
        "state": "",
        "country": "CN",
        "postalCode": "",
        "email": "",
        "phone": ""
      }
    },
    "shopperEmailId": "",
    "threeDomainSecureTransaction": {
      "threeDSTransactionStatus": "",
      "challengeAuthenticationMethod": "",
      "challengeAuthenticationType": "",
      "authenticationStatusReasonText": ""
    },
    "fraudCheckResult": {
      "fraudCheckStatus": "FRAUD_CHECK_STATUS_UNSPECIFIED",
      "deviceDataUsed": true
    },
    "consumerAcknowledgement": [
      {
        "mandates": [
          {
            "referenceNumber": "sample order mandate",
            "mandateType": "MANDATE_TYPE_PLACE_ORDER",
            "contractSigned": true,
            "agreementDescription": "sample order mandate",
            "presentationMode": "PRESENTATION_MODE_EXPLICIT"
          },
          {
            "referenceNumber": "",
            "mandateType": "MANDATE_TYPE_PLACE_ORDER",
            "contractSigned": true,
            "agreementDescription": "sample order mandate - 2",
            "presentationMode": "PRESENTATION_MODE_EXPLICIT"
          }
        ],
        "consents": []
      }
    ],
    "currentPaymentAttemptCount": "1",
    "maximumPaymentAttemptCount": "3"
  },
  "merchantOrderNumber": "1003814022",
  "requestId": "53a14af5663b419d8a2264"
}

Sample notification with STATUS_SUCCESS

Json
{
           "messageInfo": {
               "messageId": "f89969d1-905a-4ed4-8068-05439cc75a6d",
               "receiptHandle": ""
           },
           "createdAt": "2025-03-27T11:12:50.253870Z",
           "orderNotification": {
               "checkoutIntent": "CHECKOUT_INTENT_AUTH_ONLY",
               "status": "STATUS_SUCCESS",
               "transactionReference": "69341c86-23ca-4ca3-b161-1d4b60fba037",
               "mitTransactionReference": "",
               "checkoutReference": "1003814022",
               "totalAmount": {
                   "amount": "189010",
                   "currencyCode": "EUR",
                   "decimalCount": 2
               },
               "transactionTimestamp": "2025-03-27T11:11:10.851Z",
               "fraudCheckStatus": "FRAUD_CHECK_STATUS_UNSPECIFIED",
               "last4OfCardPan": "",
               "responseCode": "APPROVED",
               "responseMessage": "Transaction approved by Issuer",
               "mandateAcknowledgement": [
                   {
                       "mandates": [
                           {
                               "mandateRef": "sample order mandate",
                               "acknowledgementType": "ACKNOWLEDGEMENT_TYPE_EXPLICIT",
                               "acceptedFlag": "ACCEPTED_FLAG_Y",
                               "mandateVerbiage": "sample order mandate",
                               "mandateType": "MANDATE_TYPE_PLACE_ORDER"
                           },
                           {
                               "mandateRef": "",
                               "acknowledgementType": "ACKNOWLEDGEMENT_TYPE_EXPLICIT",
                               "acceptedFlag": "ACCEPTED_FLAG_Y",
                               "mandateVerbiage": "sample order mandate - 2",
                               "mandateType": "MANDATE_TYPE_PLACE_ORDER"
                           }
                       ],
                       "device": {
                           "deviceIp": "170.148.244.10",
                           "userAgent": "Mozilla/5.0 (Macintosh; Intel Mac OS X 10_15_7) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/133.0.0.0 Safari/537.36"
                       },
                       "acceptedTimestamp": "2025-03-27T11:11:13.350Z",
                       "consents": []
                   }
               ],
               "merchantOrderNumber": "1003814022",
               "paymentMethod": {
                   "paymentMethodType": "PAYMENT_METHOD_TYPE_CODE_ALI_PAY",
                   "maskedAccountNumber": "",
                   "approvalCode": ""
               },
               "requestId": "53a14af5663b419d8a2264",
               "accountHolder": {
                   "billingAddress": {
                       "recipientFullName": "Guest Shopper",
                       "line1": "",
                       "line2": "",
                       "line3": "",
                       "city": "",
                       "state": "",
                       "country": "CN",
                       "postalCode": "",
                       "email": "",
                       "phone": ""
                   }
               },
               "shopperEmailId": "",
               "threeDomainSecureTransaction": {
                   "threeDSTransactionStatus": "",
                   "challengeAuthenticationMethod": "",
                   "challengeAuthenticationType": "",
                   "authenticationStatusReasonText": ""
               },
               "fraudCheckResult": {
                   "fraudCheckStatus": "FRAUD_CHECK_STATUS_UNSPECIFIED",
                   "deviceDataUsed": true
               },
               "consumerAcknowledgement": [
                   {
                       "mandates": [
                           {
                               "referenceNumber": "sample order mandate",
                               "mandateType": "MANDATE_TYPE_PLACE_ORDER",
                               "contractSigned": true,
                               "agreementDescription": "sample order mandate",
                               "presentationMode": "PRESENTATION_MODE_EXPLICIT"
                           },
                           {
                               "referenceNumber": "",
                               "mandateType": "MANDATE_TYPE_PLACE_ORDER",
                               "contractSigned": true,
                               "agreementDescription": "sample order mandate - 2",
                               "presentationMode": "PRESENTATION_MODE_EXPLICIT"
                           }
                       ],
                       "consents": []
                   }
               ],
               "currentPaymentAttemptCount": "1",
               "maximumPaymentAttemptCount": "3"
           },
           "merchantOrderNumber": "1003814022",
           "requestId": "53a14af5663b419d8a2264"
       }