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Online Payments

Consumer profile management

Create, store, update, and maintain consumer profiles, including payment card information, at J.P. Morgan. Comply with payment card industry data security standards and simplify the payment process for returning consumers and recurring transactions.

When you create a consumer profile, J.P. Morgan generates a unique profile ID and payment method ID for future transactions. To manage a consumer profile separate from a payment request, refer to the Optimization & Protection Consumer Profile Management API.

Create a profile during a payment

Create a consumer profile along with a payment request (for example, an authorization, sale, or verification). The following fields are required for profile creation during a payment:

  • consumerProfileInfo.consumerProfileRequestType set to CREATE
  • paymentMethodType.card.accountNumber 
  • paymentMethod.Type.card.expiry 
  • accountholder.firstName 
  • accountholder.lastName 

The following sample POST /payments request creates a consumer profile:

HTTP method: POST
Endpoint: /payments

Json
{
    "captureMethod": "NOW",
    "amount": 1234,
    "currency": "USD",
    "merchant": {
        "merchantSoftware": {
            "companyName": "Payment Company",
            "productName": "Application Name",
            "version": 1.235
        }
    },
    "paymentMethodType": {
        "card": {
            "accountNumber": "4112344112344113",
            "expiry": {
                "month": 12,
                "year": 2027
            },
            "cvv": 411
        },
        "accountHolder": {
            "referenceId": "1245",
            "firstName": "John",
            "lastName": "Smith",
            "email": "example@example.com",
            "mobile": {
                "countryCode": 1,
                "phoneNumber": "1234567890"
            },
            "consumerProfileInfo": {
                "consumerProfileRequestType": "CREATE"
            }
        }
    }
}

Response:

Json
{
    "accountHolder": {
        "consumerProfileInfo": {
            "consumerProfileRequestType": "CREATE",
            "consumerProfileId": "EGQSGO",
            "paymentMethodId": "ce8dc322-0dde-4a8e-a6ca-b2c02eb37bd6"
        }
    }
}

When the profile create action is unsuccessful during a payment, the following fields are sent in the response:

  • Profile creation error code — consumerProfileInfo.consumerProfileResponseCode
  • Profile creation error message — consumerProfileInfo.consumerProfileResponseMessage

Use a profile for a payment

Use payment credentials stored in a consumer profile for a payment (for example, an authorization, sale, verification, or refund). The following fields are required to use a profile for a payment:

  • paymentMethodType.consumerProfile.consumerProfileId
  • paymentMethodType.consumerProfile.paymentMethodId
Attention

Ensure that the consumer profile you are using is active. For more information on how to check the status of a consumer profile, refer to Retrieving a consumer profile using the CPM API.

The following sample POST /payments request uses a consumer profile for the payment:

HTTP method: POST
Endpoint: /payments

Json
{
    "captureMethod": "NOW",
    "amount": 1234,
    "currency": "USD",
    "merchant": {
        "merchantSoftware": {
            "companyName": "Payment Company",
            "productName": "Application Name",
            "version": 1.23
        }
    },
    "paymentMethodType": {
        "consumerProfile": {
            "consumerProfileId": "EGQSGO",
            "paymentMethodId": "ce8dc322-0dde-4a8e-a6ca-b2c02eb37bd6"
        }
    }
}