Payment parameters (debit)

requestedExecutionDate

The requested execution date. 

10 

10 

Must be formatted as YYYY-MM-DD. 

paymentIdentifiers.endToEndId

The payment's unique end-to-end ID that's assigned by the originator. 

1 

16 

• Must only contain letters and numbers.  
• Must be unique for each transaction in the file. 
  
• Recommended 15-character limit due to restrictions across global clearing channels and market infrastructure regarding the length of the ID that can travel with your payment. 
  

value.currency

The value’s currency. 

3 

3 

Must be EUR. 

value.amount

The value’s amount. 

1 

12 

• Must be less than or equal to 999999999.99.
• The decimal counts as a character. 

transferType

The transfer type. 

6 

6 

Must be DEBIT. 

paymentType

The payment type. 

3 

3 

Must be ACH. 

paymentTypeInformation.serviceLevelCode

The payment’s service level code. 

4 

4 

Must be SEPA. 

debtor.name

The debtor’s name. 

1 

140 

creditor.account.accountCurrency

The creditor’s account currency. 

3 

3 

For supported values, see Currency codes.

creditor.account.companyId

The J.P. Morgan company ID. 

creditor.postalAddress.country

The creditor’s country. 

2 

2 

Must be a two-letter country code.

creditor.partyId.individualIds[].individualId

The creditor’s individual ID. 

creditor.partyId.individualIds[].schemeName.proprietary

The scheme type’s proprietary code. 

4 

4 

Must be SEPA. 

creditorAgent.financialInstitutionIds[].id

The creditor agent’s financial institution ID. 

mandateInformation.mandateId

The mandate ID. 

1 

35 

Must only include the following characters: a b c d e f g h i j k l m n o p q r s t u v w x y z 
A B C D E F G H I J K L M N O P Q R S T U V W X Y Z 
0 1 2 3 4 5 6 7 8 9 
/ - ? : ( ) . , ' + 
Space 

mandateInformation.signatureDate

The mandate’s signature date. 

10 

10 

Must be formatted as YYYY-MM-DD. 

mandateInformation.amendmentInformation.originalDebtor.accountNumber

The regular account number. 

[IBAN]  
 
Any proprietary ID type can be given. User must not provide duplicate ID types unless the ID type is OTHERS_ID. 

requestedExecutionDate

The requested execution date. 

10 

10 

Must be formatted as YYYY-MM-DD. 

paymentIdentifiers.endToEndId

The payment's unique end-to-end ID that's assigned by the originator. 

1 

15 

• Must only contain letters and numbers.  
• Must be unique for each transaction in the file. 
  
• Recommended 15-character limit due to restrictions across global clearing channels and market infrastructure regarding the length of the ID that can travel with a payment. 
  

value.currency

The value’s currency. 

3 

3 

Must be GBP. 

value.amount

The value’s amount. 

1 

11 

• Must be less than or equal to 20000000.00. 
• The decimal counts as a character. 

transferType

The transfer type. 

6 

6 

Must be DEBIT. 

paymentType

The payment type. 

3 

3 

Must be ACH. 

paymentTypeInformation.serviceLevelCode

The payment’s service-level code. 

4 

4 

Must be NURG. 

paymentTypeInformation.localInstrumentCode.code

The payment’s local instrument code. 

4 

4 

Must be UK01 for initial presentation, UK17 for standard presentation, UK18 for representation, or UK19 for final presentation. 

debtor.account.accountNumber

The debtor’s account number. 

8 

8 

• If not providing IBAN, must provide directDebitTransactionInformation.debtorAccount.accountNumber.   
• If less than eight characters, add zeroes until it’s eight characters. 
  

debtor.account.accountCurrency

The debtor’s account currency. 

3 

3  

For supported values, see Currency codes.

debtor.name

The debtor’s name. 

1 

18 

debtor.postalAddress.country

The debtor’s country. 

2 

2 

Must be GB. 

debtorAgent.financialInstitutionIds[].idType

The debtor agent's financial institution ID type. 

9

9

Must be sort_code. 

debtorAgent.postalAddress.country

The debtor agent’s country. 

2 

2 

Must be a two-letter country code.

creditor.account.accountCurrency

The creditor’s account currency. 

3 

3 

For supported values, see Currency codes.

creditor.account.companyId

The J.P. Morgan company ID. 

1 

35 

creditor.name

The creditor’s name. 

1 

70 

J.P. Morgan overlays this data with static data from its client files. 

creditor.postalAddress.country

The creditor’s country. 

2 

2 

Must be a two-letter country code.

creditorAgent.financialInstitutionIds.id

The creditor agent’s financial institution ID. 

8 

11 

Must be CHASGB2L or CHASGB2LXXX. 

creditoragent.postalAddress.country

The creditor agent’s country. 

2 

2 

Must correspond to debtor agent’s BIC. 

mandateInformation.mandateId

The core reference number. 

6 

18 

requestedExecutionDate

The requested execution date. 

10 

10 

Must be formatted as YYYY-MM-DD. 

paymentIdentifiers.endToEndId

The payment's unique end-to-end ID that's assigned by the originator. 

1 

15 

• Must only contain letters and numbers.  
• Must be unique for each transaction in the file. 
  
• Recommended 15-character limit due to restrictions across global clearing channels and market infrastructure regarding the length of the ID that can travel with a payment. 
  

value.currency

The value’s currency. 

3 

3 

• Must be CAD when paying from a J.P. Morgan Toronto CAD debtor account.
• Must be USD when paying from a J.P. Morgan Toronto USD debtor account. 

value.amount

The value’s amount. 

1 

11 

• Must be less than or equal to 99999999.99 for CAD and USD payments. 
• The decimal counts as a character. 

transferType

The transfer type. 

6 

6 

Must be DEBIT. 

paymentType

The payment type. 

3 

3 

Must be ACH. 

paymentTypeInformation.serviceLevelCode

The payment’s service-level code. 

4 

4 

Must be NURG. 

• Must be the payer's account number.
• Must not contain leading or trailing zeroes.

debtor.name

The debtor’s name. 

1 

140

requestedExecutionDate

The requested execution date. 

10 

10 

• Must be formatted as YYYY-MM-DD. 
• Can be up to 7 business days or 9 calendar days in the past, or 90 calendar days in the future. 

paymentIdentifiers.endToEndId

The payment's unique end-to-end ID that's assigned by the originator. 

1 

15 

• Must only contain letters and numbers.  
• Must be unique for each transaction during the last 60 days. 
• Recommended 15-character limit due to restrictions across global clearing channels and market infrastructure regarding the length of the ID that can travel with a payment. 

value.currency

The value’s currency. 

3 

3 

Must be USD. 

value.amount

The value’s amount. 

1 

11 

Must be less than or equal to 1000000 for same-business-day payments, or 99999999.99 for next- and second-business-day payments. 

transferType

The transfer type. 

6 

6 

Must be DEBIT. 

paymentType

The payment type. 

3 

3 

Must be ACH. 

paymentTypeInformation.serviceLevelCode

The payment’s service-level code. 

4 

4 

Must be NURG. 

paymentTypeInformation.localInstrumentCode.code

The payment’s local instrument code. 

3 

3 

• For day 1, must be CCD, PPD, WEB, or TEL. 
• For International ACH Transactions (IAT), must be IAT. 

debtor.account.accountNumber

The debtor’s account number. 

1 

• 17 for non-IAT
• 35 for IAT 

• Can be CACC or SVGS.
• Defaults to CACC.

debtor.account.accountCurrency

The debtor’s account currency. 

3 

3 

Must be USD. 

debtor.name

The debtor’s name. 

1 

• 22 for non-IAT
• 35 for IAT

• For IAT, must provide debtor.postalAddress.addressLines for unstructured addresses or debtor.postalAddress.buildingNumber and debtor.postalAddress.streetName for structured addresses.
  
• Only the first 35 characters of the unstructured address are sent to clearing.

• For IAT, must provide debtor.postalAddress.addressLines for unstructured addresses or debtor.postalAddress.buildingNumber and debtor.postalAddress.streetName for structured addresses.
  
• Only the first 35 characters of the combined building number and street name are sent to clearing.

debtor.postalAddress.streetName

The debtor’s street name. 

1 

35 

• For IAT, must provide debtor.postalAddress.addressLines for unstructured addresses or debtor.postalAddress.buildingNumber and debtor.postalAddress.streetName for structured addresses.
  
• Only the first 35 characters of the combined building number and street name are sent to clearing.

debtor.postalAddress.city

The debtor’s city. 

1 

35 

• Required for IAT.
• Only the first 35 characters of the combined city and country subdivision are sent to clearing.

debtor.postalAddress.postalCode

The debtor’s postal code. 

1 

33

• Required for IAT. 
• Only the first 35 characters of the combined postal and country codes are sent to clearing.

debtor.postalAddress.countrySubDivision

The debtor’s country subdivision. 

1

35

• Required for IAT
• Only the first 35 characters of the combined city and country subdivision are sent to clearing.

debtor.postalAddress.country

The debtor’s country. 

2 

2 

Only the first 35 characters of the combined postal and country codes are sent to clearing.

debtorAgent.financialInstitutionIds[].id

The debtor agent’s financial institution ID. 

9 

9 

• Must be a United States ABA number. 
• Might contain leading zeroes. 
• For example: 021000021

debtorAgent.financialInstitutionIds[].idType

The debtor agent’s financial institution ID type. 

5 

6 

Must be USABA. 

debtorAgent.postalAddress.country

The debtor agent’s country. 

2 

2 

Must be a two-letter country code.

creditor.account.accountNumber

The creditor’s account number. 

17 

35 

creditor.account.accountCurrency

The creditor’s account currency. 

3 

3 

Must be USD. 

creditor.account.companyId

The creditor’s company ID. 

10 

10 

Might include leading spaces, leading zeroes, or both. 

creditor.name

The creditor’s name. 

1 

• 15 for CIE
• 22 for non-IAT
• 35 for IAT

• For IAT, must provide creditor.postalAddress.addressLines for unstructured addresses or creditor.postalAddress.buildingNumber and creditor.postalAddress.streetName for structured addresses.
  
• Only the first 35 characters of the unstructured address are sent to clearing.

• For IAT, must provide creditor.postalAddress.addressLines for unstructured addresses or creditor.postalAddress.buildingNumber and creditor.postalAddress.streetName for structured addresses.
  
• Only the first 35 characters of the combined building number and street name are sent to clearing.

creditor.postalAddress.streetName

The creditor's street name. 

1 

35 

• For IAT, must provide creditor.postalAddress.addressLines for unstructured addresses or creditor.postalAddress.buildingNumber and creditor.postalAddress.streetName for structured addresses.
  
• Only the first 35 characters of the combined building number and street name are sent to clearing.

creditor.postalAddress.city

The creditor's city. 

1 

35 

• Required for IAT.
• Only the first 35 characters of the combined city and country subdivision are sent to clearing.

creditor.postalAddress.postalCode

The creditor's postal code. 

1 

33

• Required for IAT. 
• Only the first 35 characters of the combined postal and country codes are sent to clearing.

creditor.postalAddress.countrySubDivision

The creditor's country subdivision. 

1

35

• Required for IAT
• Only the first 35 characters of the combined city and country subdivision are sent to clearing.

creditor.postalAddress.country

The creditor's country. 

2 

2 

• Must be a two-letter country code.
• For IAT, only the first 35 characters of the combined postal and country codes are sent to clearing.

creditorAgent.name

The creditor agent’s name. 

1 

35 

Required for IAT. 

creditorAgent.financialInstitutionIds[].id

The creditor agent’s financial institution ID. 

9 

9 

• Must be a United States ABA number. 
• Might contain leading zeroes. 
• For example: 021000021

creditorAgent.financialInstitutionIds[].idType

The financial institution ID type. 

5 

5 

Must be USABA. 

creditoragent.postalAddress.country

The creditor agent’s country. 

2 

2 

Must be a two-letter country code.

• 15 for CIE
• 22 for non-IAT
• 35 for IAT

• For IAT, must provide additionalParties.ultimateCreditor.postalAddress.addressLines for unstructured addresses or additionalParties.ultimateCreditor.postalAddress.buildingNumber and additionalParties.ultimateCreditor.postalAddress.streetName for structured addresses.
  
• Only the first 35 characters of the unstructured address are sent to clearing.

• For IAT, must provide additionalParties.ultimateCreditor.postalAddress.addressLines for unstructured addresses or additionalParties.ultimateCreditor.postalAddress.buildingNumber and additionalParties.ultimateCreditor.postalAddress.streetName for structured addresses.
  
• Only the first 35 characters of the combined building number and street name are sent to clearing.

additionalParties.ultimateCreditor.postalAddress.streetName

The ultimate creditor's street name. 

1 

35 

• For IAT, must provide additionalParties.ultimateCreditor.postalAddress.addressLines for unstructured addresses or additionalParties.ultimateCreditor.postalAddress.buildingNumber and additionalParties.ultimateCreditor.postalAddress.streetName for structured addresses.
  
• Only the first 35 characters of the combined building number and street name are sent to clearing.

additionalParties.ultimateCreditor.postalAddress.city

The ultimate creditor's city. 

1 

35 

• For IAT, required if different from creditor's details.
• Only the first 35 characters of the combined city and country subdivision are sent to clearing.

additionalParties.ultimateCreditor.postalAddress.postalCode

The ultimate creditor's postal code. 

1 

33

• For IAT, required if different from creditor's details. 
• Only the first 35 characters of the combined postal and country codes are sent to clearing.

additionalParties.ultimateCreditor.postalAddress.countrySubDivision

The ultimate creditor's country subdivision. 

1

35

• For IAT, required if different from creditor's details
• Only the first 35 characters of the combined city and country subdivision are sent to clearing.

additionalParties.ultimateCreditor.postalAddress.country

The ultimate creditor's country. 

2 

2 

• For IAT, if different from creditor's details, must be a two-letter country code.
• Only the first 35 characters of the combined postal and country codes are sent to clearing.

paymentPurpose.categoryPurpose.proprietary

The scheme type’s proprietary code. 

1 

10 

Must be free form or one of the following:

• ACCTVERIFY for micro entries
• HCCLAIMPMT for health care claim payments
• PAYROLL for payroll payments
• PURCHASE for purchases
• RECLAIM for reclamations
• RETRY PMT for redepositing returned debits due to insufficient funds
• REVERSAL for reversal of incorrectly originated payments

• For CIE, CPD, and non-IAT, 1 line of up to 80 characters
• For IAT, 2 lines of up to 80 characters each