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Optimization & Protection

Enhance your payments solutions with customizable, secure Optimization and Protection APIs
  • Customizable reports
  • Real-time payment notifications
  • Tokenization for card data protection
  • Digital Onboarding
  • Secure cardholder authentication
  • Easy consumer profile management

What you can build

With Optimization & Protection APIs, you can build dedicated solutions to optimize authorizations, business operations, and costs as well as protect your business and consumers from fraud.

Create custom reports

Customize data reports to fit your needs, run reports at any time, and follow the report generation statuses in real-time.

Set up callback notifications

Get real-time, asynchronous updates about payment-related events across the payment lifecycle.

Tokenize your payment data

Replace sensitive card data with a unique token that retains all the essential information without compromising security.

3-D Secure (3DS)

Process a 3DS authentication in a standalone API request.

Digital Onboarding

Onboard your clients for J.P. Morgan Payments processing products.

Wallet decryption

Decrypt encrypted wallet bundles.

Consumer profile management

Manage and store consumer profiles and the payment methods, addresses, and communication details on them for your consumers.

Manage recurring payments

Create and manage recurring plans, recurring programs, recurring payments, and notifications for your consumers.

Coming Soon

Account update inquiries

Obtain up-to-date card account information for use with your stored account and recurring card payment transactions.

Capabilities

Combining Optimization & Protection APIs with your Online Payments API will enable you to deliver extra value in your payments solutions.

Reporting

Obtain customizable access to transaction level payment data.

Notifications

Subscribe to and receive real-time payment lifecycle updates.

Tokenization

Protect and secure card data to reduce risk.

3-D Secure

Reduce liability for fraudulent transactions.

Digital Onboarding

Take your client through the onboarding process for J.P. Morgan Payments.

Wallet decryption

Obtain payment instrument details from your encrypted wallet bundle.

Consumer profile management

Create and manage consumer profiles, payment methods, addresses, and communications.

Managed recurring payments

Create and manage recurring plans, recurring programs, recurring payments, and the notifications for them.

Account updater
Coming Soon

Increase your approved authorization rate by keeping your consumer card account numbers and expiration dates up-to-date.

Next steps