J.P. Morgan Business Direct Connect
- Access prior day balances and transactions
- Retrieve account identifiers, account owner information, and payment network details
- Retrieve monthly bank statements.
- Based on Financial Data Exchange API standards
What is the Business Direct Connect API?
Use J.P. Morgan Business Direct Connect to securely access financial account data through the Financial Data Exchange (FDX) API standard. You can authorize data access using industry-standard OAuth while benefiting from an experience that aligns with FDX user experience guidelines and security profiles.
It supports commercial demand deposit accounts (DDA) and provides access to account information, transactions, account statements, account owner information, payment network information, and account identifiers used for payment initiation and verification workflows.
What you can build
Use the Business Direct Connect API to implement data integrations that power reconciliation, reporting, and auditing workflows in your applications. These examples show concrete outcomes developers can implement quickly.
Display cash positions
Retrieve prior day balances for selected accounts to provide a daily cash position view that helps you monitor liquidity and concentration and supports next day sweep funding and reconciliation workflows.
Fetch transaction history
Match bank transactions to your ERP or general ledger, forecast cash using expected inflows and outflows, classify payments, detect anomalies or fraud, and automate workflows.
Download monthly bank statements in PDF format
Perform month end reconciliation across the ERP or general ledger and the bank balance, then archive an auditable system of record.
Obtain full account number and account holder information
Obtain full account numbers, account holder information, and supported payment network details to streamline payment setup and account validation.
Capabilities
Build secure, consent-driven integrations that access account data and run reliably in both test and production environments.
Account information
Retrieve a customer’s consented account list and details for use in account selection and to display cash positions
Account transactions
Fetch transaction history for a selected account over a date range
Account statements
Retrieve available account statements in PDF format for eligible accounts
Full account number
Retrieve account identifiers used to support ACH, wire transfer, and payment setup workflows while reducing manual entry errors.
Account owner information
Fetch account owner information to verify the account and support onboarding use cases
Payment network information
Retrieve payment network details associated with a consented account, including bank identifiers, account identifiers, and supported payment networks.
Next steps
Integration guide
Review the integration guide to register your organization and applications and complete consent and data access setup.