Payment methods

The following payment methods are currently available on Checkout and can be managed using Checkout Settings on Commerce Center.

Cards (credit/debit)

Consumers can make payments using credit/debit cards and save the payment information for future use. Cards with up to 19 digits are supported.

Carte Bancaires

Cartes Bancaires (CB) is a card interbank network in France, widely used and co-branded with Visa or Mastercard. Checkout accepts Cartes Bancaires for merchants operating in France, enabling higher conversion rates and improved acceptance for French cardholders.

Cartes Bancaires transactions follow the general card payment structure, except for additional parameter requirements for 3D Secure (3DS). Refer to Orchestrated 3DS authentication for details.

Cartes Bancaires requires that you provide your consumer the option to choose a network routing preference when the consumer uses a CB co-badged card on Checkout. Selecting a routing preference is optional for completing the purchase.

• If your consumer does not select a routing preference during payment, we route the transaction to CB.

Checkout collects the consumer's network preference, as shown in the following image:

PINless debit

US PINless debit cards can be used for e-commerce transactions. PINless debit transactions are routed based on the settings enabled in the Checkout settings on Commerce Center.

• If DEBIT_ONLY is selected, then we accept only debit card transactions and will be processed via debit rails. 
• If DEBIT_ FIRST is selected, then we accept both debit and credit cards and will be processed via credit rails.

Electronic Check Processing

• Electronic Check Processing (ECP, eCheck, US ACH) payments are processed through the ACH Network and regulated by the National Automated Clearing House Association (NACHA).
• You can customize any displayed text such as Confirm Account Number.
• J.P. Morgan collects the bank account number, routing number, name, and address of the account.

AliPay

Alipay is an eWallet available to customers with a Chinese bank account and residential status.

To offer AliPay as a payment method to your consumers, you must complete the following steps:

• Contact your relationship manager if you are an existing client. Contact Sales if you are a new client.
• Sign the applicable amendment.
• Provide the applicable onboarding information.
• Our support team onboards you with AliPay.
• After you enroll for AliPay, it can be seen as a method payment on your Checkout settings on Commerce Center, and on your Checkout experience.
• Coordinate with the J.P Morgan support team for consultation and testing.

Apple Pay

Apple Pay is a secure digital wallet payment service developed by Apple to enable consumers to make card payments using Apple mobile devices, such as phones, tablets, and watches. Apple Pay is supported in third-party browsers (and on non-macOS devices) by prompting consumers to scan a code with their iOS 18 or newer device.

To offer Apple Pay as a payment method to your consumers, you must complete the following steps in both certification and live environment:

Step 1: Your website's set up

1. Contact your relationship manager if you are an existing client or contact Sales if you are a new client.
2. Before enabling Apple Pay with Checkout, navigate to Checkout settings on Commerce Center to Add and Verify your domain name(s) with Apple and download your Apple domain verification file.
3. Save the domain verification file to the following predefined location on your site: https://[DOMAIN_NAME]/.well-known/apple-developer-merchantid-domain-association
   • To ensure Apple Pay functions properly, the file must remain in the location specified above.

After you onboard for Apple Pay and complete the above steps, it will appear as a method of payment in your Checkout settings on Commerce Center and in any of your Checkout integrations.

Step 2: Set up your sandbox

To process Apple Pay payments in the Certification environment, set up your Apple sandbox account by following the steps here.

Apple Pay using Drop-in UI with iFrame

Merchants who wrap the Drop-in in an iFrame must perform the following steps to offer Apple Pay:

1. Set the iframe attribute allow = payment.
2. Pass the parent level hostname as a parameter named iframePayDomain into the constructor of the Drop-in, using the domain that appears in the URL bar.
3. Register and verify each nested iframe domain with Apple, if iframes are nested.

When you initialize Drop-in UI you need to add iframePayDomain as a constructor and pass your parent level ApplePay domain to the request as shown below:

Google Pay

Google Pay, a digital wallet payment service developed by Google, enables consumers to make payments online and with Android devices such as phones, tablets, and watches.

To offer Google Pay as a method of payment on your e-commerce Checkout experience, you must complete the following steps:

• You must provide the Google merchant ID from the Google Business Account.
  • If you don't have a Google business account, follow the steps on how to Set up Google Pay for Business.

After you enroll for Google Pay, it will appear as a method of payment in your Checkout settings on Commerce Center, and on your Checkout experience.

iDEAL

iDEAL is a payment method that allows consumers in the Netherlands to pay via their own bank. It is highly secure and available to all consumers that have access to internet- or mobile-banking with a participating bank.

To offer iDEAL as a payment method to your consumers, you must complete the following steps:

• Contact your relationship manager if you are an existing client. Contact Sales if you are a new client.
• Sign the applicable amendment.
• Provide the applicable onboarding information.
• Our support team onboards you with iDEAL.
• After you enroll for iDEAL, it can be seen as a method payment on your Checkout settings on Commerce Center, and on your Checkout experience.
• Coordinate with the J.P Morgan support team for consultation and testing.

Klarna

Klarna is a global payments and shopping service that lets you accept online payments using flexible payment options. Consumers complete purchases quickly with saved payment information, select their preferred payment method, and access tools to track spending and manage finances.

Availability

To offer Klarna as a payment method to your consumers, you must complete the following steps:

• Contact your relationship manager if you are an existing client, or contact the Sales team if you are a new client.
• Sign the applicable amendment.
• Provide the applicable onboarding information.
• Our support team onboards you with Klarna.
• After you enroll for Klarna, it can be seen as a payment method in your Checkout settings on Commerce Center, and on your Checkout experience.
• Coordinate with the J.P Morgan support team for consultation and testing.

Klarna offers conversion boosters with your payments that you can optionally integrate with. Refer to Conversion features for details. To use the conversion features, include the optional checkoutOptions.paymentMethodOptions.klarnaOptions.interoperabilityToken field (returned by the Klarna Web SDK) in your POST /intent (Set up checkout intent) request.

• Checkout only supports the Sign in with Klarna interoperability token.

Supplementary purchase data

Include Supplementary Purchase Data (SPD) in your request to enhance the consumer experience. Including SPD enables a more accurate pre-assessment of eligibility, reduces false declines, and helps present the most suitable payment programs.

SPD includes the following fields:

• cart.lineItems
• cart.shippingAddress
• consumer
• merchantOrderNumber

Payment programs

Klarna offers the following payment programs to your consumers.

Pay by Bank

Pay by Bank (PbB) is a payment method that provides a consumer an alternative way to pay using their bank account. Pay by Bank uses open banking to link a consumer's bank account and subsequently make a payment via direct debit (ACH/ECP).

Keep in mind that:

• Consumer consent needs to be obtained to access their bank account data.
• You can signup for PbB and configure it through the Checkout Settings on Commerce Center after onboarding is complete.
• PbB is only available for first time or guest users. Returning users or recurring payments are not supported at the moment.

PayPal

PayPal allows consumers to quickly complete an online payment using stored payment information in the wallet.

To offer PayPal as a payment method to your consumers, you must complete the following steps:

• Contact your relationship manager if you are an existing client. Contact Sales if you are a new client.
• Sign the applicable amendment.
• Provide the applicable onboarding information.
• Our support team onboards you with PayPal.
• After you enroll for PayPal, it can be seen as a method payment on your Checkout settings on Commerce Center, and on your Checkout experience.
• Coordinate with the J.P Morgan support team for consultation and testing.

Paze

Paze is a digital bank wallet offered by Early Warning Services (EWS), LLC. You can offer Paze wallet as a method of payment on your e-commerce Checkout experience.

Before offering Paze as a payment method to your consumers, complete the following steps:

1. Contact your relationship manager if you are an existing client.
   1. Sign the applicable amendment.
   2. Provide the required onboarding information.
   3. Our support team enrolls you with Paze.
   4. After enrollment, Paze appears as a payment method on your Checkout settings on Commerce Center, and on your Checkout experience.
2. If you are a new client, Paze will be enabled for you by default. To stop offering it as a payment method on Checkout, toggle it off in Checkout Settings on Commerce Center.
3. Coordinate with the J.P Morgan support team for consultation and testing.

SEPA Direct Debit

Single Euro Payments Area Direct Debit (SDD) is an European bank-to-bank transfer method that allows merchants to collect payments directly from consumer accounts. Consumers accept SDD mandate to complete payment using IBAN account number & Bank Identifier Code (BIC) from their Euro-denominated account.

Trustly

Trustly Pay is a real-time bank transfer payment service that allows consumers to quickly and easily complete a transaction without ever leaving your website or app. These bank-to-bank transactions don’t carry the same processing and interchange fees that credit cards do, which means your company can retain more revenue. 

To offer Trustly as a payment method to your consumers, you must complete the following steps:

• Contact your relationship manager if you are an existing client. Contact Sales if you are a new client.
• Sign the applicable amendment.
• Provide the applicable onboarding information.
• Our support team onboards you with Trustly.
• After you enroll for Trustly, it can be seen as a method payment on your Checkout settings on Commerce Center, and on your Checkout experience.
• Coordinate with the J.P Morgan support team for consultation and testing.

WeChat Pay

WeChat Pay is a mobile payment and digital wallet service popular with customers from China.

To offer WeChat Pay as a payment method to your consumers, you must complete the following steps:

• Contact your relationship manager if you are an existing client. Contact Sales if you are a new client.
• Sign the applicable amendment.
• Provide the applicable onboarding information.
• Our support team onboards you with WeChat Pay.
• After you enroll for WeChat Pay, it can be seen as a method payment on your Checkout settings on Commerce Center, and on your Checkout experience.
• Coordinate with the J.P Morgan support team for consultation and testing.

Related

Set up checkout intent

Orchestrated 3DS authentication

Conversion features

Sales

Commerce Center