Alerts and Decisioning

Overview

The Alerts and Decisioning API helps you automate payment hold management within your existing fraud and operations workflows. Receive notifications when payments are placed on hold, retrieve hold details, and submit decisions programmatically to help reduce manual effort and accelerate resolution.

How it works

Payment hold and decisioning

1. Client initiates payment: The client starts a payment using channels such as SWIFT, JPM Access, Host-to-Host or API.

2. Payment sent for fraud screening: The payment is automatically sent to the Fraud Screening Engine for evaluation.

3. Fraud screening decision: The fraud screening engine checks for possible fraud:

   • If no fraud is detected, the payment continues processing.
   • If possible fraud is detected, the payment is flagged and held.

4. Alerts and Decisioning API notification: When a payment is held, the API receives the fraud alert.

5. Hold notification delivered: The API sends a hold notification to the client’s application.

6. Client decision on hold: The client reviews the notification and decisions on the held transaction.

7. Act on client decision: The API acts based on the client’s decision.

8. Approve or reject payment: Based on the client decision provided on Step 7, following actions are taken:

   • 8a: No (reject): The payment is canceled.
   • 8b: Yes (approve): The payment is released.

9. Hold expiry and notifications: Both of the below actions will occur:

   • 9a: The payment is canceled.
   • 9b: The client application receives a notification about the updated status through a payment hold closed event.

Capabilities

Detect potential high‑risk payments, hold suspicious items and enable rapid decisions to cut engagement while improving cut‑off adherence and strengthening fraud controls.

Benefits

Manage payment holds in near real time, integrated with your enterprise systems.

• Faster resolution on payments holds: Reduce calls, emails, and manual follow-ups for payments held due to suspected fraud.
• Near real-time notifications: Receive near real-time holds when action is needed via webhook.
• Works with your current systems: Integrate holds and decisions using the tools you already use 
• One API across payment types: Use the same API for different payment types such as wires, ACH and RTP (U.S.).
• Troubleshooting-friendly: Clear error codes and guidance help teams resolve issues quickly.
• Hold payments visibility: Programmatically retrieve details and decision status for any held payment

Scope

The Alerts and Decisioning functionality is part of the Bank Control feature, which supports payment types including Wires, ACH (outbound) and RTP (U.S.). Bank Control, offered as a complimentary service, enables streamlined investigation and decision-making for payments flagged by J.P. Morgan's fraud screening program. With near real-time digital alerts, this feature enhances security and helps minimize processing delays.

Availability

Alerts and Decisioning is available in the following regions and markets:

How to

Next steps