Overview

Payment hold let's you receive near real-time notifications whenever a payment is held by J.P. Morgan screening controls, enabling faster response times and automated hold management.

• Webhook notifications deliver hold alerts directly to your application eliminating the need for manual monitoring, phone calls or email follow-ups.
• Payment holds retrieval endpoint lets you query payment holds on demand via REST, supporting filtered list retrieval and single-hold lookup for lightweight review interfaces and debugging workflows.

Benefits

Key benefits of using payment hold through the Alerts and Decisioning API include:

• Operational efficiency: Programmatically notify the right teams and automate workflows, reducing manual monitoring and enabling faster response to held payments.
• Fraud detection: Proactively identify and address suspicious transactions before they are processed, minimizing risk.
• Seamless integration: Embed alert notifications into your ERP, TMS or fraud management systems for streamlined, automated handling and improved user experience.

When to use payment hold

The following list describes when to use payment hold to gain visibility into held payments and accelerate your response processes:

• Initiate wire or U.S. domestic ACH payments.
• Prefer API-based notifications over phone calls, emails or manual access login.
• Want to reduce time spent managing blocked or held payments. 
• Need better visibility into your payment flows within the bank.
• Want to monitor all payments for potential fraud or compliance issues.
• Require timely intervention on payments needing additional review.
• Aim to automate notification and escalation processes for held transactions directly within your own applications. 

Next steps