Initiate a Kinexys Digital Payments request

In this tutorial, you will learn how to use the Global Payments API to initiate a Kinexys Digital Payments request from a Blockchain Deposit Account (BDA) to another BDA or a Demand Deposit Account (DDA). By the end of this tutorial, you will know how to:

Create a well-formed Kinexys Digital Payments request payload from a BDA to BDA.
Create a well-formed Kinexys Digital Payments request payload from a BDA to DDA from the same or different entity.
Interpret the values in a successful response.

Before you begin

To initiate a Kinexys Digital Payments, you need:

A registered and fully onboarded Developer Account on the J.P. Morgan Payments Developer Portal.
An active project that provides you with the credentials used to make a request.
A J.P. Morgan Blockchain Deposit Accounts (BDA) opened at J.P. Morgan Chase Bank, N.A.
A Demand Deposit Account (DDA) opened in an approved funding location in which you want to perform a Kinexys Digital Payments transaction.

Tip

In addition to regular Demand Deposit Accounts (DDA), select Client Money Accounts (CMA) and Mortgage Servicing Accounts (MSA) are supported by this product, subject to J.P. Morgan review.

Create and send a Kinexys Digital Payments request payload

Request payloads for the Global Payments API have optional and required fields. The full request payload is sent using a POST HTTP.

The following examples show the minimum required payload for a Kinexys Digital Payments request, with no optional fields included.

Kinexys Digital Payments (BDA to BDA)

Use the following payload example to initiate a payment to move funds between two Blockchain Deposit Accounts (BDAs). These BDAs can belong to the same or different entity.

Kinexys Digital Payments payment (BDA to BDA)

Curl

curl --location 'https://api-mock-payments.jpmorgan.com/tsapi/v1/payments' \ --header 'Content-Type: application/json' \ --data '{     "payments": {         "paymentIdentifiers": {             "endToEndId": "Kinexys2024_0834"         },         "requestedExecutionDate": "2022-09-01",         "paymentCurrency": "USD",         "paymentAmount": 1.01,         "transferType": "CREDIT",         "paymentType": "BLOCKCHAIN",         "debtor": {             "debtorAccount": {                 "accountId": "940091064",                 "accountType": "BDA"             }         },         "debtorAgent": {             "financialInstitutionId": {                 "bic": "CHASUS33"             }         },         "creditorAgent": {             "financialInstitutionId": {                 "bic": "CHASUS33"             }         },         "creditor": {             "creditorAccount": {                 "accountId": "80091097",                 "accountType": "BDA"             }         },         "remittanceInformation": {             "unstructuredInformation": [                 "unstructured-remittance-information-1"             ]         }     } }'

Kinexys Digital Payments (BDA to DDA)

Use the following payload example to initiate a payment to move funds from a Blockchain Deposit Account (BDA) to a Demand Deposit Account (DDA). The following are common Kinexys Digital Payments payment combinations:

A payment moving funds from a linked BDA to a DDA. The BDA and DDA must belong to the same entity.
A payment moving funds from a non-linked BDA directly to a DDA. The BDA and DDA can belong to the same or a different entity.

Kinexys Digital Payments payment (BDA to DDA)

Curl

curl --location 'https://api-mock-payments.jpmorgan.com/tsapi/v1/payments' \ --header 'Content-Type: application/json' \ --data '{     "payments": {         "paymentIdentifiers": {             "endToEndId": "Kinexys2024_0834"         },         "requestedExecutionDate": "2022-09-01",         "paymentCurrency": "USD",         "paymentAmount": 1.01,         "transferType": "CREDIT",         "paymentType": "BLOCKCHAIN",         "debtor": {             "debtorAccount": {                 "accountId": "80091097",                 "accountType": "BDA"             }         },         "debtorAgent": {             "financialInstitutionId": {                 "bic": "CHASUS33"             }         },         "creditorAgent": {             "financialInstitutionId": {                 "bic": "CHASESM3"             }         },         "creditor": {             "creditorAccount": {                 "accountId": "73239505",                 "accountType": "DDA"             }         },         "remittanceInformation": {             "unstructuredInformation": [                 "unstructured-remittance-information-1"             ]         }     } }'

Confirm response

You should receive a successful response containing a firmRootId and an endToEndId. These values are used to retrieve the status of your request.

Kinexys Digital Payments confirmation response

Json

{
  "paymentInitiationResponse": {
    "firmRootId": " 989a066e-2947-4fa9-9ec7-5d09b1917c11",
    "endToEndId": " Kinexys2024_0834"
  }
}

There are a few error responses you may encounter. For more information about error codes, see the error codes section.

Kinexys Digital Payments request webhooks

Transaction status responses for your Kinexys Digital Payments request are provided through webhooks.

The Kinexys Digital Payments supports multiple response types, including PENDING, PENDING_POSTING, COMPLETED, and REJECTED. For more information, see Response types.

Connect to the Global Payments API.
Initiate a Kinexys Digital Payments Deposit to fund a BDA.

Next steps

Initiate a Kinexys Digital Payments Status Inquiry.