Core concepts

The Online Payments API and Checkout API support multiple methods of payment and the operations needed to manage the entire payment lifecycle. Online Payments is designed for merchants, system integrators, and service providers in need of either a single payment API for local or global processing or a pre-built solution with multiple integration methods to suit your needs. These APIs have the following key features and functionalities:

Environments

Our client testing and production environments are available 24/7 with 99.999%+ uptime.

Instant response

The APIs send acknowledgements instantly through synchronous responses. The final status is sent through a webhook/asynchronous notification if you have enabled notifications.

Timeouts and errors

J.P. Morgan imposes an expiration time of 70 seconds for transaction processing.

If the payment request times out, no corresponding record is created to determine the payment status. When this happens, the payment status response returns as empty.