Screening services

Background checks to ensure merchants on your platform are eligible to use your payment network

Screening services

With the Digital Onboarding API, you can efficiently run background screening on merchants and sellers to ensure they can operate on your networks with confidence.

As a payment facilitator, use the API to verify that your merchants are ready to join the payment network, complementing your existing due diligence and background checks. For marketplace operators, the API helps you confirm that sellers are clear of sanctions and other restrictions before processing payouts. Enjoy fast responses that streamline your onboarding process and maintain the integrity of your payment solutions. Whether you're onboarding new clients or integrating with payment solutions, this versatile API keeps your operations compliant and secure.

Merchant screening for payment facilitators

As a payment facilitator (Payfac), you can use the Digital Onboarding API to carry out essential screening checks on the merchants who want to accept payments on your platform.

Merchant screening is a way to confirm that your merchant clients do not have any issues preventing them from participating in J.P. Morgan payment networks. It complements your own background checks and Know Your Customer (KYC) due diligence process.

How it works

Submit your client's details for screening using the Digital Onboarding API.
Let J.P. Morgan run background checks through our trusted networks.
Use the API to check for updates to be informed once screening is complete.

If your merchants passes screening, you receive an APPROVED response from the Digital Onboarding API. Your merchant is registered to J.P. Morgan's payment networks and you can proceed.

If the merchant does not pass the screening process, you receive a DECLINED response from the Digital Onboarding API. Your merchant cannot access the payment networks, and you should not proceed.

Why use the Digital Onboarding API for screening?

This is a multifunctional API with many applications. This means if you ever need to onboard new clients or merchants into other J.P. Morgan payment solutions, you can use the same API.

Next steps

Learn how to use the Digital Onboarding API to screen merchants.

Seller screening for marketplace operators

As a marketplace operator, you can use the Digital Onboarding API to initiate a screening check on your sellers when they register on your site. J.P. Morgan requires your sellers to be clear from sanctions, adverse media and internal interdiction lists before money can be moved to the seller’s bank account using J.P. Morgan Payments solutions. The API will allow you to confirm that sellers do not have any issues preventing them from participating and complements your own identity verification and Know Your Customer (KYC) due diligence process.

How it works

Submit your seller’s details using the Digital Onboarding API.
The screening response will be synchronous, providing an immediate response.

If your seller does not have any matches against the screening databases, you receive an APPROVED response from the Digital Onboarding API. Your seller is now eligible to receive payouts with your J.P. Morgan Payments solution.

If your seller does not pass the screening process due to a match found, you receive a DECLINED response from the Digital Onboarding API. Your seller is not eligible to participate in the marketplace and receive payouts from your J.P. Morgan Payments solution.

Next steps

Learn how to use the Digital Onboarding API to screen sellers on your marketplace.