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J.P. Morgan Business Direct Connect

Retrieve account statements

In this tutorial, you’ll learn how to use the J.P. Morgan Business Direct Connect API to search for and download statements for a consented account. By the end of this tutorial, you'll know how to:

  • Retrieve a lightweight list of consented accounts.
  • Search for available statement records for a specific account and date range.
  • Retrieve additional pages of statement results.
  • Download an available statement in PDF format.

Before you begin

To use this capability, you will need to have:

  • Complete onboarding and obtain client credentials.
  • Complete the consent flow and obtain a valid access token.

Send a request

To retrieve statements for consented accounts, follow these steps:

  • Retrieve a lightweight account list:

    Send a GET request to the /accounts endpoint. Set resultType to lightweight, or omit the parameter because lightweight is the default. The response contains minimal descriptive information and an accountId for each returned account.

  • Search for statements:

Use the accountId returned by the account-list request to send a GET request to /accounts/{accountId}/statements. Replace {accountId} with the identifier for the account you want to query. The response contains available statement records, which may include a statementId, statementDate, availability status, and a link for downloading the statement.

  • Search for statements by date
    • Use one of the following parameter pairs to define the statement period:
      • Use startDate and endDate for dates in YYYY-MM-DD format.
      • Use startTime and endTime for values in International Organization for Standardization (ISO) 8601 format.
    • Follow these rules:
      • Don’t combine startDate or endDate with startTime or endTime in the same request.
      • The start value must be less than or equal to the corresponding end value.
      • The requested date range can’t exceed three years.
      • The start date can’t be earlier than three years before the request date.
      • If you don’t provide a date or time range, the search defaults to the current month.
  • Retrieve additional statement results
    • Statement-search responses are paginated and return up to 100 statement records per page.
      • Use either offset or pageKey to navigate statement results. Don’t include both parameters in the same request
      • Use the pagination information and links in the response to retrieve additional results.
      • The limit parameter is optional and defaults to 100. Its value must be between 1 and 100.
    • Include a valid access token and the required x-fapi-interaction-id header in each request. Provide x-fapi-interaction-id as an Internet Engineering Task Force Request for Comments 4122 universally unique identifier (UUID). Additional Financial Data Exchange (FDX) headers may apply to your integration. Refer to the integration guide and API specification for details.
  • Download an available statement:
    Select an available statement record that includes a statementId and download link. Send a GET request to /accounts/{accountId}/statements/{statementId}, replacing the path parameters with the values returned by the statement-search response. A successful request returns the statement as a PDF.
     
    Statements with more than 400 pages aren’t supported for download through the API. For these statements, the search response returns TOOLARGE_DO_NOT_DOWNLOAD in the status and statementId fields and doesn’t return a statement download link.

    • Request and response details

    A successful statement-search request returns a paginated JSON response containing statement records for the specified account. A successful statement-download request returns the selected statement as a PDF. The download endpoint doesn’t validate the statement’s content.

     For details on required and optional parameters, error codes, response formats, and request and response examples, refer to the API specification.

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