Jp Morgan Wallet

Pull funds from an external account into a virtual account (PayInto Collection)

Overview

A PayInto Collection transaction, also known as an Issued Direct Debit Transfer (IDDT), enables you to transfer funds from a counterparty's Demand Deposit Account (DDA) to a Virtual Transaction Account (VTA) in your J.P. Morgan Wallet™ program.

It is called "PayInto Collection" because you "collect" funds from a counterparty and "pay into" your Wallet program.

For an overview of payment types in Wallet, see Payments.

Use cases

The following are examples of use cases where you might execute a PayInto Collection transaction:

Merchant services platform: Needs to collect monthly fees from its merchants. Every month, the platform executes a PayInto Collection transaction to transfer funds from its merchants to its revenue VTA.
Video game company: Needs to collect subscription fees from its players. Every subscription period, the company executes a PayInto Collection transaction to transfer funds from its players to its revenue VTA.
Marketplace platform: Needs to collect fees for premium features from its sellers. When a seller buys a premium feature, the platform executes a PayInto Collection transaction to transfer funds from the seller to its revenue VTA.

Key information

The following table describes important information about PayInto Collection.

Key information for PayInto Collection
Production endpoint	v3.x: Not supported	v2.x: `https://apigateway.jpmorgan.com/tsapi/v2/jpmwallet/direct-debits/advanced-batch`
Client testing endpoint	v3.x: Not supported	v2.x: `https://apigatewaycat.jpmorgan.com/tsapi/v2/jpmwallet/direct-debits/advanced-batch`
API reference	v3.x: N/A	v2.x: Initiate one or more PayIntoCollections
Supported branches	J.P. Morgan Chase Bank, New York branch and affiliated US branches J.P. Morgan Chase Bank, Luxembourg and London branches (See Reference - Supported branches and their Business Identifier Codes)
Supported currencies	USD and EUR (see Reference - Supported account currencies by branch)
Supported account types	Demand Deposit Account (DDA)
Payment type	PayInto Collection
Payment flows	Domestic, same currency: USD to USD, EUR to EUR Domestic, Foreign Exchange (FX): Not supported Cross-border, same currency: Not supported Cross-border, FX: Not supported
Transaction limit	US ACH: No default limit EU SEPA: €999,999,999.99
Cut-off time	US ACH: 2:00pm ET on business days EU SEPA: 2:00pm local time on business days
Settlement period	US ACH: 1-2 business days EU SEPA: 2 business days
Returns, recalls, and reversals	US ACH: Supports returns initiated within two business days of the transaction settlement date. EU SEPA: Supports returns initiated within eight weeks of the transaction settlement date.
Service level code	US ACH: Set `serviceLevel.code` to `NURG` EU SEPA: Set `serviceLevel.code` to `SEPA`

Prerequisites

Before you can execute PayInto Collection transactions, you must configure your Wallet program for PayInto Collection. For more information, ask your J.P. Morgan representative.

Reporting

PayInto Collection transactions appear on your daily TRANSACTION ACTIVITY reports.

The following table is an example of what a PayInto Collection transaction on a TRANSACTION ACTIVITY report might look like.

TRANSACTION ACTIVITY report example
CLIENT ID	0001318690
PROGRAM ID	1000000003
BUSINESS PROCESSING DATE	3/11/2026
BANK NAME	JPM New York
WALLET DDA NUMBER	XXXXXXXXXX
WALLET CURRENCY	USD
RECEIVED DATE	6/21/2021
REQUESTED VALUE DATE	3/10/2026
VALUE DATE	3/11/2026
CLIENT TXN ID	fTt6WB55Y5
TXN TYPE	PAYINTOCOLLECTION
DEBTOR ACCOUNT	XXXXXXXXXX
DEBTOR NAME	HERBLIFE
DEBTOR AGENT	JPMORGAN CHASE BANK N.A.
DEBTOR AGENT ID	CHASUS33XXX
DEBIT AMOUNT	0.13
DEBIT CURRENCY	USD
CREDITOR ACCOUNT	XXXXXXXXXX
CREDITOR NAME	Global Trade/Finance Corp
CREDITOR VIRTUAL ACCOUNT	DEMO-VTA-05
ULTIMATE CREDITOR NAME	ulCRName
CREDITOR AGENT	JPMORGAN CHASE BANK N.A.
CREDITOR AGENT ID	CHASUS33XXX
CREDIT AMOUNT	0.13
CREDIT CURRENCY	USD
STATUS	PENDING
SETTLEMENT METHOD	ACH
PRN	XXXXXXXXXX
REMITTANCE INFO	REMITTANCE INFORATION OF FIRST PAYMENT IN THE IDDT BATCH
BATCH ID	fpG8pSFXf3
MATCHED REFERENCE ID	J2WKRU
DDA NARRATIVE	REMITTANCE INFORATION OF FIRST PAYMENT IN THE IDDT BATCH

Notes

Note the following points about PayInto Collection transactions.

You can only initiate one transaction per request.
PayInto Collection supports the following payment rails:
- US ACH domestic
- EU SEPA domestic

Important parameters

The following sections list important parameters in the PayInto Collection request along with their requirements.

Not all parameters are listed here—for a complete list, see the API reference.

Header parameters

Include the following parameters in the header.

Header parameters for PayInto Collection request
Parameter	Required / Optional	Description
`programId`	Required	Your Wallet program ID.
`transactionType`	Required	The type of the transaction. Set to `PAYINTOCOLLECTION`.

Body parameters

Note the following important body parameters for PayInto Collection.

groupHeader

The groupHeader object contains information about the batch of transactions.

PayInto Collection: groupHeader
Parameter	Required / Optional	Description
`controlSum`	Optional, but recommended	Sum of the transaction amounts in this request. For EU SEPA transactions, the maximum is 999,999,999.99.
`creationDateTime`	Required	Date and time when the batch was created. Must be in local time with the time zone offset to UTC in the following format: `YYYY-MM-DDThh:mm:ss±hh:mm`
`initiatingParty.identification.organisationIdentification.other.identification`	Required	Your origin ID, which we provide to you when we set up your Wallet program.
`initiatingParty.identification.organisationIdentification.other.schemeName.proprietary`	Required	Set to `ORIGINID`.
`initiatingParty.name`	Conditionally required	Name of the initiating party (you). Maximum 140 characters. At least one parameter in `initiatingParty` is required.
`messageIdentification`	Required	Unique ID of the batch of transactions. Maximum 35 characters.
`numberOfTransactions`	Required	Total number of transactions in the batch. Must be 1.

The following code snippet is an example of the groupHeader object.

PayInto Collection: groupHeader

Json

{
    "groupHeader": {
        "messageIdentification": "a3875956-84cc-4dde-8071-d501e585d851",
        "creationDateTime": "2023-10-12T12:38:23.000+0000",
        "numberOfTransactions": 1,
        "controlSum": 5,
        "initiatingParty": {
            "name": "JPMC Client Name",
            "identification": {
                "organisationIdentification": {
                    "other": [
                        {
                            "identification": "XXXXXXXXXX",
                            "schemeName": {
                                "proprietary": "ORIGINID"
                            }
                        }
                    ]
                }
            }
        }
    }
}

paymentInformation

The paymentInformation object contains parameters related to the payment.

PayInto Collection: paymentInformation
Parameter	Required / Optional	Description
`controlSum`	Optional	Sum of the transaction amounts in the batch.
`numberOfTransactions`	Optional	Total number of transactions in the batch. Must be 1.
`paymentInformationIdentification`	Required	Unique ID of the payment. Maximum 35 characters.
`paymentMethod`	Required	Set to `DD`. For more information about payment methods, see Payments - Payment methods.
`paymentTypeInformation.categoryPurpose.code`	Optional	Purpose of the request. Must be an allowed value—see the API reference.
`paymentTypeInformation.categoryPurpose.proprietary`	Optional	Purpose of the request.
`paymentTypeInformation.instructionPriority`	Optional	Priority of the request. Must be one of the following: `HIGH`: High priority. `NORM`: Normal priority.
`paymentTypeInformation.localInstrument.code`	Conditionally required	Standard Entry Class (SEC) code for the transaction. For more information about SEC codes, see Payments - Standard Entry Class codes.
`paymentTypeInformation.serviceLevel.code`	Required	Service level code for the transaction. For US ACH transactions, set this to `NURG`; for EU SEPA transactions, set this to `SEPA`. For more information about service level codes, see Payments - Service level codes.
`requestedCollectionDate`	Required	Date when Wallet collects the funds from the debtor. For US ACH transactions, must be between seven days before you send the request (T-7) and 90 days after you send the request (T+90). For EU SEPA transactions, must be between one day after you send the request (T+1) to 14 days after you send the request (T+14). The value must be in the following format: `YYYY-MM-DD`

The following code snippet is an example of the paymentInformation object.

PayInto Collection: paymentInformation

Json

{
    "paymentInformation": {
        "paymentInformationIdentification": "USACHPPD_IDDT wo TP3SK231012083817",
        "numberOfTransactions": 1,
        "controlSum": 5,
        "paymentMethod": "DD",
        "paymentTypeInformation": {
            "instructionPriority": "HIGH",
            "serviceLevel": {
                "code": "NURG"
            },
            "localInstrument": {
                "code": "PPD"
            },
            "categoryPurpose": {
                "proprietary": "1ST PAYMENTS"
            }
        },
        "requestedCollectionDate": "2023-10-12"
    }
}

paymentInformation.creditor

The paymentInformation.creditor object contains parameters related to the creditor (you).

PayInto Collection: paymentInformation.creditor
Parameter	Required / Optional	Description
`identification.organisationIdentification.other.identification`	Required	Your company ID, which we provide to you when we set up your Wallet program.
`identification.organisationIdentification.other.schemeName.proprietary`	Required	Set to `JPMCOID`.
`name`	Conditionally required	Name of the creditor. Maximum 140 characters. At least one parameter in `creditor` is required.
`postalAddress`	Conditionally required	Postal address of the creditor. At least one parameter in `creditor` is required.

The following code snippet is an example of the paymentInformation.creditor object.

PayInto Collection: paymentInformation.creditor

Json

{
    "paymentInformation": {
        "creditor": {
            "name": "EWALLET RECEIVER",
            "postalAddress": {
                "streetName": "BriarwoodCt",
                "buildingNumber": "111",
                "postCode": "19460",
                "townName": "Phoenixville",
                "country": "CA",
                "addressLine": [
                    "LOT 394 PLURALSIGHT DRIVE",
                    "FLOOR 10 NO 25"
                ]
            },
            "identification": {
                "organisationIdentification": {
                    "other": [
                        {
                            "identification": "XXXXXXXXXX",
                            "schemeName": {
                                "proprietary": "JPMCOID"
                            }
                        }
                    ]
                }
            }
        }
    }
}

paymentInformation.creditorAccount

The paymentInformation.creditorAccount object contains parameters related to the your Wallet DDA.

PayInto Collection: paymentInformation.creditorAccount
Parameter	Required / Optional	Description
`currency`	Optional, but recommended	Must be `USD` for ACH transactions and `EUR` for SEPA transactions.
`identification.other.identification`	Required	ID of your Wallet DDA.
`name`	Optional, but recommended	Name of the Wallet DDA. Maximum 140 characters.
`type.code`	Required	Set to `CACC`.

The following code snippet is an example of the paymentInformation.creditorAccount object.

PayInto Collection: paymentInformation.creditorAccount

Json

{
    "paymentInformation": {
        "creditorAccount": {
            "identification": {
                "other": {
                    "identification": "XXXXXXXXXX"
                }
            },
            "type": {
                "code": "CACC"
            },
            "currency": "USD",
            "name": "JPMC Client Name"
        }
    }
}

paymentInformation.creditorAgent

The paymentInformation.creditorAgent object contains parameters related to your Wallet bank branch.

PayInto Collection: paymentInformation.creditorAgent
Parameter	Required / Optional	Description
`financialInstitutionIdentification.bic`	Conditionally required	BIC of the branch where your Wallet DDA is located. Must be the same as the branch where the debited counterparty's DDA is located. For SEPA transactions, both the creditor and debtor bank branches must be LUXEMBOURG or LONDON. For US ACH transactions, you cannot use the BIC—you must use the ABA number instead.
`financialInstitutionIdentification.clearingSystemMemberIdentification.clearingSystemIdentification.code`	Conditionally required	Code for the clearing system for the credit transaction. For US ACH transactions, set this to `USABA`. For more information, see Payments - Clearing system identification codes.
`financialInstitutionIdentification.clearingSystemMemberIdentification.memberIdentification`	Conditionally required	Clearing system member ID for the branch where your Wallet DDA is located. For US ACH transactions, set this to `028000024` (the J.P. Morgan Chase Bank, New York branch).
`financialInstitutionIdentification.postalAddress`	Optional	Postal address of your Wallet bank branch.

The following code snippet is an example of the paymentInformation.creditorAgent object.

PayInto Collection: paymentInformation.creditorAgent

Json

{
    "paymentInformation": {
        "creditorAgent": {
            "financialInstitutionIdentification": {
                "bic": "CHASUS33XXX",
                "clearingSystemMemberIdentification": {
                    "clearingSystemIdentification": {
                        "code": "USABA"
                    },
                    "memberIdentification": "XXXXXXXXX"
                },
                "postalAddress": {
                    "country": "US",
                    "addressLine": [
                        "83-85 CASTLEREAGH STREET",
                        "FLOOR 10 85 CASTLEREAGH STREET"
                    ]
                }
            }
        }
    }
}

paymentInformation.directDebitTransactionInformation

The paymentInformation.directDebitTransactionInformation object contains parameters related the direct debit transaction.

PayInto Collection: paymentInformation.directDebitTransactionInformation
Parameter	Required / Optional	Description
`debtor.name`	Conditionally required	Name of the debtor (the counterparty). Maximum 140 characters. At least one parameter in `debtor` is required.
`debtor.postalAddress`	Conditionally required	Postal address of the debtor (the counterparty). At least one parameter in `debtor` is required.
`debtorAccount.currency`	Optional, but recommended	Currency of the debited DDA in three-character ISO 4217 format. For ACH transactions, must be `USD`; for SEPA transactions, must be `EUR`.
`debtorAccount.identification.IBAN`	Conditionally required	International Bank Account Number (IBAN) of the debtor bank account (the counterparty's bank account). Maximum 34 characters. Either this or `debtorAccount.identification.other.identification` is required.
`debtorAccount.identification.other.identification`	Required	ID of the debited counterparty's DDA.
`debtorAccount.type.code`	Required	Set to `CACC`.
`debtorAgent.financialInstitutionIdentification.bic`	Required	BIC of the branch where the counterparty's DDA is located. Must be the same as the branch where your Wallet DDA is located. For SEPA transactions, both the creditor and debtor bank branches must be LUXEMBOURG or LONDON.
`debtorAgent.financialInstitutionIdentification.clearingSystemMemberIdentification.clearingSystemIdentification.code`	Required	Code for the clearing system for the debit transaction. For more information, see Payments - Clearing system identification codes.
`debtorAgent.financialInstitutionIdentification.clearingSystemMemberIdentification.memberIdentification`	Required	Clearing system member ID for the branch where the debited counterparty's DDA is located.
`debtorAgent.financialInstitutionIdentification.postalAddress`	Optional	Postal address of the debtor bank branch (the counterparty's bank branch).
`instructedAmount.amount`	Required	Amount of money in the transaction. Maximum 18 digits with six decimal places. For SEPA transactions, maximum `999,999,999.99`.
`instructedAmount.currency`	Required	Currency of the funds being transferred in three-character ISO 4217 format. For ACH transactions, must be `USD`; for SEPA transactions, must be `EUR`.
`mandateRelatedInformation.amendmentInformationDetails.originalCreditorSchemeIdentification.name`	Conditionally required	Original creditor name. Maximum 35 characters. Required if `paymentInformation.directDebitTransactionInformation.mandateRelatedInformation.amendmentIndicator` is `true`.
`mandateRelatedInformation.amendmentIndicator`	Conditionally required	If there are changes in the mandate data, set to `true`. Otherwise, set to `false`. Required for SEPA transactions.
`mandateRelatedInformation.amendmentInformationDetails.originalCreditorSchemeIdentification.identification.privateIdentification.other.identification`	Conditionally required	Original creditor ID. Must be 1-34 characters. Required if `paymentInformation.directDebitTransactionInformation.mandateRelatedInformation.amendmentIndicator` is `true`.
`mandateRelatedInformation.amendmentInformationDetails.originalCreditorSchemeIdentification.identification.privateIdentification.other.schemeName.proprietary`	Conditionally required	Type of the original creditor ID. Must be 1-35 characters. Required if `paymentInformation.directDebitTransactionInformation.mandateRelatedInformation.amendmentIndicator` is `true`.
`mandateRelatedInformation.amendmentInformationDetails.originalDebtorAccount.identification.IBAN`	Conditionally required	IBAN of the original debtor account. Maximum 34 characters. Required if `paymentInformation.directDebitTransactionInformation.mandateRelatedInformation.amendmentIndicator` is `true`.
`mandateRelatedInformation.amendmentInformationDetails.originalDebtorAccount.identification.other.identification`	Conditionally required	Account number of the original debtor account. Maximum 34 characters. Required if `paymentInformation.directDebitTransactionInformation.mandateRelatedInformation.amendmentIndicator` is `true`.
`mandateRelatedInformation.amendmentInformationDetails.originalDebtorAgent.financialInstitutionIdentification.bic`	Conditionally required	SWIFT BIC of the bank branch where the debtor account was originally located. Required if `paymentInformation.directDebitTransactionInformation.mandateRelatedInformation.amendmentIndicator` is `true`.
`mandateRelatedInformation.amendmentInformationDetails.OriginalMandateIdentification`	Conditionally required	Original mandate ID for SEPA IDDT transactions. Maximum 35 characters. Required if `paymentInformation.directDebitTransactionInformation.mandateRelatedInformation.amendmentIndicator` is `true`.
`mandateRelatedInformation.dateOfSignature`	Conditionally required	Date that the mandate was signed in `YYYY-MM-DD` format. Required for SEPA IDDT transactions.
`mandateRelatedInformation.electronicSignature`	Conditionally required	Maximum 1,025 characters. Required for SEPA IDDT transactions.
`mandateRelatedInformation.mandateIdentification`	Conditionally required	Mandate ID. Maximum 35 characters. Required for SEPA IDDT transactions.
`mandateRelatedInformation.sequenceType.type`	Conditionally required	Type of the payment. Can be affected by mandate amendments. Required for SEPA IDDT transactions. Must be one of the following values: `FNAL` `FRST` `OOFF` `RCUR`
`paymentIdentification.endToEndIdentification`	Required	Unique ID for tracing requests and responses for this transaction. Maximum 16 characters.
`paymentIdentification.instructionIdentification`	Optional	Unique ID of the request. Maximum 35 characters.
`remittanceInformation.unstructured`	Optional	Remittance information. Maximum 140 characters.
`ultimateCreditor.identification.organisationIdentification.other.identification`	Required	ID of the VTA in your Wallet program to credit.
`ultimateCreditor.identification.organisationIdentification.other.schemeName.proprietary`	Required	Set to `virtualAccountIdentification`.
`ultimateCreditor.name`	Optional	Name of the ultimate creditor. Maximum 140 characters.
`ultimateCreditor.postalAddress`	Optional	Postal address of the ultimate creditor.

The following code snippet is an example of the paymentInformation.directDebitTransactionInformation object.

PayInto Collection: paymentInformation.directDebitTransactionInformation

Json

{
    "paymentInformation": {
        "directDebitTransactionInformation": [
            {
                "paymentIdentification": {
                    "instructionIdentification": "XXXXXXXXXXXXXX",
                    "endToEndIdentification": "XXXXXXXXXXXXXX"
                },
                "remittanceInformation": {
                    "unstructured": [
                        "REMITTANCE INFORATION OF FIRST PAYMENT IN THE IDDT BATCH"
                    ]
                },
                "instructedAmount": {
                    "amount": 5,
                    "currency": "USD"
                },
                "ultimateCreditor": {
                    "identification": {
                        "organisationIdentification": {
                            "other": [
                                {
                                    "identification": "XXXXXXXXX",
                                    "schemeName": {
                                        "proprietary": "virtualAccountIdentification"
                                    }
                                }
                            ]
                        }
                    }
                },
                "debtorAgent": {
                    "financialInstitutionIdentification": {
                        "bic": "CHASUS33XXX",
                        "clearingSystemMemberIdentification": {
                            "clearingSystemIdentification": {
                                "code": "USABA"
                            },
                            "memberIdentification": "XXXXXXXXX"
                        },
                        "postalAddress": {
                            "addressType": "ADDR",
                            "country": "US",
                            "addressLine": [
                                "456 Street Name"
                            ]
                        }
                    }
                },
                "debtor": {
                    "name": "Debtor Name",
                    "postalAddress": {
                        "addressType": "ADDR",
                        "streetName": "Main Street",
                        "buildingNumber": "111",
                        "postCode": "1234",
                        "townName": "Phoenixville",
                        "countrySubDivision": "PA",
                        "country": "US",
                        "addressLine": [
                            "456 Street Name"
                        ]
                    }
                },
                "debtorAccount": {
                    "identification": {
                        "other": {
                            "identification": "XXXXXXXXXXX"
                        }
                    },
                    "type": {
                        "code": "CACC"
                    },
                    "currency": "USD"
                }
            }
        ]
    }
}

Examples

Request with minimum required data (non-TP3)

The following example request initiates a PayInto Collection transaction from a counterparty's DDA to a Wallet VTA using the minimum required parameters.

PayInto Collection: Request with minimum required data (non-TP3)

Json

{
    "groupHeader": {
        "messageIdentification": "a3875956-84cc-4dde-8071-d501e585d851",
        "creationDateTime": "2023-10-12T12:38:23.000+0000",
        "numberOfTransactions": 1,
        "initiatingParty": {
            "identification": {
                "organisationIdentification": {
                    "other": [
                        {
                            "identification": "XXXXXXXXXX",
                            "schemeName": {
                                "proprietary": "ORIGINID"
                            }
                        }
                    ]
                }
            }
        }
    },
    "paymentInformation": {
        "paymentInformationIdentification": "USACHPPD_IDDT wo TP3SK231012083817",
        "paymentMethod": "DD",
        "paymentTypeInformation": {
            "serviceLevel": {
                "code": "NURG"
            },
            "localInstrument": {
                "code": "PPD"
            }
        },
        "requestedCollectionDate": "2023-10-12",
        "creditor": {
            "identification": {
                "organisationIdentification": {
                    "other": [
                        {
                            "identification": "XXXXXXXXXX",
                            "schemeName": {
                                "proprietary": "JPMCOID"
                            }
                        }
                    ]
                }
            }
        },
        "creditorAccount": {
            "identification": {
                "other": {
                    "identification": "XXXXXXXXXX"
                }
            },
            "type": {
                "code": "CACC"
            }
        },
        "creditorAgent": {
            "financialInstitutionIdentification": {
                "clearingSystemMemberIdentification": {
                    "clearingSystemIdentification": {
                        "code": "USABA"
                    },
                    "memberIdentification": "XXXXXXXXX"
                }
            }
        },
        "directDebitTransactionInformation": [
            {
                "paymentIdentification": {
                    "endToEndIdentification": "XXXXXXXXXXXXXX"
                },
                "instructedAmount": {
                    "amount": 5,
                    "currency": "USD"
                },
                "ultimateCreditor": {
                    "identification": {
                        "organisationIdentification": {
                            "other": [
                                {
                                    "identification": "XXXXXXXXX",
                                    "schemeName": {
                                        "proprietary": "virtualAccountIdentification"
                                    }
                                }
                            ]
                        }
                    }
                },
                "debtorAgent": {
                    "financialInstitutionIdentification": {
                        "clearingSystemMemberIdentification": {
                            "clearingSystemIdentification": {
                                "code": "USABA"
                            },
                            "memberIdentification": "XXXXXXXXX"
                        }
                    }
                },
                "debtor": {
                    "name": "Debtor Name"
                },
                "debtorAccount": {
                    "identification": {
                        "other": {
                            "identification": "XXXXXXXXXXX"
                        }
                    },
                    "type": {
                        "code": "CACC"
                    }
                }
            }
        ]
    }
}

Request with optional data

The following example request initiates a PayInto Collection transaction from a counterparty's DDA to a Wallet VTA with optional parameters.

Example request body: Initiate a PayInto Collection transaction

Json

{
    "groupHeader": {
        "messageIdentification": "a3875956-84cc-4dde-8071-d501e585d851",
        "creationDateTime": "2023-10-12T12:38:23.000+0000",
        "numberOfTransactions": 1,
        "controlSum": 5,
        "initiatingParty": {
            "name": "JPMC Client Name",
            "identification": {
                "organisationIdentification": {
                    "other": [
                        {
                            "identification": "XXXXXXXXXX",
                            "schemeName": {
                                "proprietary": "ORIGINID"
                            }
                        }
                    ]
                }
            }
        }
    },
    "paymentInformation": {
        "paymentInformationIdentification": "USACHPPD_IDDT wo TP3SK231012083817",
        "numberOfTransactions": 1,
        "controlSum": 5,
        "paymentMethod": "DD",
        "paymentTypeInformation": {
            "instructionPriority": "HIGH",
            "serviceLevel": {
                "code": "NURG"
            },
            "localInstrument": {
                "code": "PPD"
            },
            "categoryPurpose": {
                "proprietary": "1ST PAYMENTS"
            }
        },
        "requestedCollectionDate": "2023-10-12",
        "creditor": {
            "name": "EWALLET RECEIVER",
            "postalAddress": {
                "streetName": "BriarwoodCt",
                "buildingNumber": "111",
                "postCode": "19460",
                "townName": "Phoenixville",
                "country": "CA",
                "addressLine": [
                    "LOT 394 PLURALSIGHT DRIVE",
                    "FLOOR 10 NO 25"
                ]
            },
            "identification": {
                "organisationIdentification": {
                    "other": [
                        {
                            "identification": "XXXXXXXXXX",
                            "schemeName": {
                                "proprietary": "JPMCOID"
                            }
                        }
                    ]
                }
            }
        },
        "creditorAccount": {
            "identification": {
                "other": {
                    "identification": "XXXXXXXXXX"
                }
            },
            "type": {
                "code": "CACC"
            },
            "currency": "USD",
            "name": "JPMC Client Name"
        },
        "creditorAgent": {
            "financialInstitutionIdentification": {
                "bic": "CHASUS33XXX",
                "clearingSystemMemberIdentification": {
                    "clearingSystemIdentification": {
                        "code": "USABA"
                    },
                    "memberIdentification": "XXXXXXXXX"
                },
                "postalAddress": {
                    "country": "US",
                    "addressLine": [
                        "83-85 CASTLEREAGH STREET",
                        "FLOOR 10 85 CASTLEREAGH STREET"
                    ]
                }
            }
        },
        "directDebitTransactionInformation": [
            {
                "paymentIdentification": {
                    "instructionIdentification": "XXXXXXXXXXXXXX",
                    "endToEndIdentification": "XXXXXXXXXXXXXX"
                },
                "remittanceInformation": {
                    "unstructured": [
                        "REMITTANCE INFORATION OF FIRST PAYMENT IN THE IDDT BATCH"
                    ]
                },
                "instructedAmount": {
                    "amount": 5,
                    "currency": "USD"
                },
                "ultimateCreditor": {
                    "identification": {
                        "organisationIdentification": {
                            "other": [
                                {
                                    "identification": "XXXXXXXXX",
                                    "schemeName": {
                                        "proprietary": "virtualAccountIdentification"
                                    }
                                }
                            ]
                        }
                    }
                },
                "debtorAgent": {
                    "financialInstitutionIdentification": {
                        "bic": "CHASUS33XXX",
                        "clearingSystemMemberIdentification": {
                            "clearingSystemIdentification": {
                                "code": "USABA"
                            },
                            "memberIdentification": "XXXXXXXXX"
                        },
                        "postalAddress": {
                            "addressType": "ADDR",
                            "country": "US",
                            "addressLine": [
                                "456 Street Name"
                            ]
                        }
                    }
                },
                "debtor": {
                    "name": "Debtor Name",
                    "postalAddress": {
                        "addressType": "ADDR",
                        "streetName": "Main Street",
                        "buildingNumber": "111",
                        "postCode": "1234",
                        "townName": "Phoenixville",
                        "countrySubDivision": "PA",
                        "country": "US",
                        "addressLine": [
                            "456 Street Name"
                        ]
                    }
                },
                "debtorAccount": {
                    "identification": {
                        "other": {
                            "identification": "XXXXXXXXXXX"
                        }
                    },
                    "type": {
                        "code": "CACC"
                    },
                    "currency": "USD"
                }
            }
        ]
    }
}

Response

The following is the synchronous response to the previous example request.

Example response: Initiate a PayInto Collection transaction

Json

{
    "groupHeader": {
        "messageIdentification": "a3875956-84cc-4dde-8071-d501e585d851",
        "creationDateTime": "2023-10-12T12:38:23.000+0000",
        "initiatingParty": {
            "name": "JPMC Client Name",
            "identification": {
                "organisationIdentification": {
                    "other": [
                        {
                            "identification": "XXXXXXXXXX",
                            "schemeName": {
                                "proprietary": "ORIGINID"
                            }
                        }
                    ]
                }
            }
        }
    },
    "originalGroupInformationAndStatus": {
        "originalMessageIdentification": "XXXXXXXXXXXXXX",
        "originalMessageNameIdentification": "API-PAYINTOCOLLECTION",
        "originalCreationDateTime": "2023-10-12T12:38:17.000+0000",
        "originalNumberOfTransactions": 1,
        "originalControlSum": 5,
        "groupStatus": "ACTC",
        "statusReasonInformation": [],
        "numberOfTransactionsPerStatus": [
            {
                "detailedNumberOfTransactions": "1",
                "detailedStatus": "ACTC",
                "detailedControlSum": 5
            }
        ]
    },
    "originalPaymentInformationAndStatus": {
        "originalPaymentInformationIdentification": "USACHPPD_IDDT wo TP3SK231012083817",
        "paymentInformationStatus": "ACTC",
        "statusReasonInformation": [],
        "numberOfTransactionsPerStatus": [
            {
                "detailedNumberOfTransactions": "1",
                "detailedStatus": "ACTC",
                "detailedControlSum": 5
            }
        ],
        "transactionInformationAndStatus": [
            {
                "originalInstructionIdentification": "XXXXXXXXXXXXXX",
                "originalEndToEndIdentification": "XXXXXXXXXXXXXX",
                "transactionStatus": "ACTC",
                "statusReasonInformation": [],
                "acceptanceDateTime": "2023-10-12T12:38:23.491+0000",
                "accountServicerReference": "24ba41fa-0f1e-4c74-9732-84820f0f4ebd",
                "originalTransactionReference": {
                    "instructedAmount": {
                        "amount": 5,
                        "currency": "USD"
                    },
                    "requestedCollectionDate": "2023-10-12",
                    "paymentMethod": "DD",
                    "debtorAccount": {
                        "identification": {
                            "other": {
                                "identification": "XXXXXXXXXXX"
                            }
                        },
                        "type": {
                            "code": "CACC"
                        },
                        "currency": "USD"
                    },
                    "debtorAgent": {
                        "financialInstitutionIdentification": {
                            "bic": "CHASUS33XXX",
                            "clearingSystemMemberIdentification": {
                                "clearingSystemIdentification": {
                                    "code": "USABA"
                                },
                                "memberIdentification": "XXXXXXXXX"
                            },
                            "postalAddress": {
                                "addressType": "ADDR",
                                "country": "US",
                                "addressLine": [
                                    "456 Street Name"
                                ]
                            }
                        }
                    },
                    "creditorAgent": {
                        "financialInstitutionIdentification": {
                            "bic": "CHASUS33XXX",
                            "clearingSystemMemberIdentification": {
                                "clearingSystemIdentification": {
                                    "code": "USABA"
                                },
                                "memberIdentification": "XXXXXXXXX"
                            },
                            "postalAddress": {
                                "country": "US",
                                "addressLine": [
                                    "83-85 CASTLEREAGH STREET",
                                    "FLOOR 10 85 CASTLEREAGH STREET"
                                ]
                            }
                        }
                    },
                    "creditorAccount": {
                        "identification": {
                            "other": {
                                "identification": "XXXXXXXXXX"
                            }
                        },
                        "type": {
                            "code": "CACC"
                        },
                        "currency": "USD",
                        "name": "JPMC Client Name"
                    },
                    "ultimateCreditor": {
                        "identification": {
                            "organisationIdentification": {
                                "other": [
                                    {
                                        "identification": "XXXXXXXXX",
                                        "schemeName": {
                                            "proprietary": "virtualAccountIdentification"
                                        }
                                    }
                                ]
                            }
                        }
                    }
                }
            }
        ]
    }
}

Notification

The following is the asynchronous notification that Wallet sends after completing the previous example request.

Example notification: Initiate a PayInto Collection transaction

Json

{
    "groupHeader": {
        "messageIdentification": "4f270fa0-6d9b-4ede-b3ad-4b3cccb3f17e",
        "creationDateTime": "2023-10-12T14:38:33.381+0000",
        "initiatingParty": {
            "name": "JPMC Client Name",
            "identification": {
                "organisationIdentification": {
                    "other": [
                        {
                            "identification": "XXXXXXXXXX",
                            "schemeName": {
                                "proprietary": "ORIGINID"
                            }
                        }
                    ]
                }
            }
        }
    },
    "originalGroupInformationAndStatus": {
        "originalMessageIdentification": "XXXXXXXXXXXXXX",
        "originalMessageNameIdentification": "API-PAYINTOCOLLECTION",
        "originalNumberOfTransactions": 1
    },
    "originalPaymentInformationAndStatus": {
        "originalPaymentInformationIdentification": "USACHPPD_IDDT wo TP3SK231012083817",
        "transactionInformationAndStatus": [
            {
                "originalInstructionIdentification": "XXXXXXXXXXXXXX",
                "originalEndToEndIdentification": "XXXXXXXXXXXXXX",
                "transactionStatus": "ACSC",
                "statusReasonInformation": [
                    {
                        "additionalInformation": [
                            "/eventType/PaymentComplete",
                            "/POSTED-BALANCE:ultimateCreditor:ACCOUNT-TYPE/TRANSACTION",
                            "/POSTED-BALANCE:ultimateCreditor:VERSION/5",
                            "/POSTED-BALANCE:ultimateCreditor:ITBD/899634400.86420",
                            "/POSTED-BALANCE:ultimateCreditor:ITAV/898478820.49420",
                            "/POSTED-BALANCE:ultimateCreditor:XPCD/899634506.71420",
                            "/POSTED-BALANCE:ultimateCreditor:EFFECTIVE-DATE/2023-10-12",
                            "/POSTED-BALANCE:ultimateCreditor:TIMESTAMP/2023-10-12T14:38:28.149+00:00"
                        ]
                    }
                ],
                "acceptanceDateTime": "2023-10-12T12:38:27.865+0000",
                "originalTransactionReference": {
                    "amount": {
                        "instructedAmount": {
                            "amount": 5,
                            "currency": "USD"
                        }
                    },
                    "paymentTypeInformation": {
                        "localInstrument": {
                            "code": "PPD"
                        }
                    },
                    "requestedExecutionDate": "2023-10-12",
                    "paymentMethod": "DD",
                    "remittanceInformation": [
                        {
                            "remittanceInformationText": "REMITTANCE INFORATION OF FIRST PAYMENT IN THE IDDT BATCH",
                            "remittanceSequenceNumber": "1"
                        }
                    ],
                    "debtorAccount": {
                        "identification": {
                            "other": {
                                "identification": "XXXXXXXXXXX"
                            }
                        },
                        "currency": "USD"
                    },
                    "debtorAgent": {
                        "financialInstitutionIdentification": {
                            "bic": "XXXXXXXXXXX",
                            "postalAddress": {
                                "country": "US",
                                "addressLine": [
                                    "XXXXXXXXXXXXXXX"
                                ]
                            }
                        }
                    },
                    "creditorAgent": {
                        "financialInstitutionIdentification": {
                            "bic": "XXXXXXXXXXX",
                            "clearingSystemMemberIdentification": {
                                "clearingSystemIdentification": {
                                    "code": "USABA"
                                },
                                "memberIdentification": "XXXXXXXXX"
                            },
                            "postalAddress": {
                                "country": "US",
                                "addressLine": [
                                    "XXXXXXXXXXXXXXXXXXXXXXXX",
                                    "XXXXXXXXXXXXXXXXXXXXXXXXXXXXXX"
                                ]
                            }
                        }
                    },
                    "creditorAccount": {
                        "identification": {
                            "other": {
                                "identification": "XXXXXXXXXX"
                            }
                        },
                        "currency": "USD"
                    },
                    "ultimateCreditor": {
                        "identification": {
                            "organisationIdentification": {
                                "other": [
                                    {
                                        "identification": "XXXXXXXXX",
                                        "schemeName": {
                                            "proprietary": "virtualAccountIdentification"
                                        }
                                    }
                                ]
                            }
                        }
                    },
                    "receiver": {
                        "name": "XXXXXXXXXXXXXXXX",
                        "postalAddress": {
                            "streetName": "XXXXXXXXXXX",
                            "buildingNumber": "XXX",
                            "postCode": "19460",
                            "townName": "Phoenixville",
                            "country": "CA",
                            "addressLine": [
                                "XXXXXXXXXXXXXXXXXXXXXXXXX",
                                "XXXXXXXXXXXXXX"
                            ]
                        },
                        "identification": {
                            "organisationIdentification": {
                                "other": [
                                    {
                                        "identification": "XXXXXXXXXXXXXXXXX",
                                        "schemeName": {
                                            "proprietary": "TxnType"
                                        }
                                    },
                                    {
                                        "identification": "XXXXXXXXXX",
                                        "schemeName": {
                                            "proprietary": "ProgramID"
                                        }
                                    },
                                    {
                                        "identification": "XXXXXXXXXX",
                                        "schemeName": {
                                            "proprietary": "JPMCOID"
                                        }
                                    }
                                ]
                            }
                        }
                    }
                }
            }
        ]
    }
}

SEPA Issued Direct Debit Transfer

PayInto Collection transactions in the EU use the SEPA payment rail and have different requirements from PayInto Collection transactions in other countries. Requirements for relevant fields are described in Body parameters, and further details are described in the following sections.

Mandate

Before you can execute a SEPA PayInto Collection transaction, the counterparty must sign a mandate document allowing you to execute a direct debit on their account.

You are responsible for securing and storing the mandate document; we take no responsibility for this process. The debtor bank or debtor must also store the mandate document.

You must provide information about this mandate in the directDebitTransactionInformation.mandateRelatedInformation object, whose fields are described in the previous Body parameters section.

If you make changes to the mandate information, you must set "amendmentIndicator": true and provide the original mandate information in the amendmentInformationDetails object so Wallet can tie the updated mandate information to the original mandate.

Other notes

Rejections/refunds: Debtors can request unconditional refunds up to eight weeks after settlement, and unauthorized transactions can be rejected up to 13 weeks after settlement. The debtor's bank can "Reject" or "Refuse" the transaction before settlement.
Availability: Transactions are processed during bank branch hours set by the European Payments Council (EPC).

Example request

The following example request initiates a PayInto Collection transaction between two accounts in the EU.

Example request: EU SEPA PayInto Collection

Json

{
    "groupHeader": {
        "messageIdentification": "MID_297",
        "creationDateTime": "2024-12-10T18:12:55.626+00:00",
        "numberOfTransactions": 1,
        "controlSum": 2.75,
        "initiatingParty": {
            "name": "eWALLET",
            "identification": {
                "organisationIdentification": {
                    "other": [
                        {
                            "identification": "XXXXXXXX",
                            "schemeName": {
                                "proprietary": "ORIGINID"
                            }
                        }
                    ]
                }
            }
        }
    },
    "paymentInformation": {
        "paymentInformationIdentification": "PI_74",
        "numberOfTransactions": 1,
        "controlSum": 2.75,
        "paymentMethod": "DD",
        "paymentTypeInformation": {
            "instructionPriority": "HIGH",
            "serviceLevel": {
                "code": "SEPA"
            },
            "localInstrument": {
                "code": "CORE"
            },
            "categoryPurpose": {
                "code": "EPAY"
            }
        },
        "requestedCollectionDate": "2025-09-02",
        "creditor": {
            "name": "EWALLET RECEIVER",
            "postalAddress": {
                "streetName": "BriarwoodCt",
                "buildingNumber": "111",
                "postCode": "19460",
                "townName": "Phoenixville",
                "country": "GB",
                "addressLine": [
                    "LOT 394 PLURALSIGHT DRIVE",
                    "FLOOR 10 NO 25"
                ]
            },
            "identification": {
                "organisationIdentification": {
                    "other": [
                        {
                            "identification": "XXXXXXXX",
                            "schemeName": {
                                "proprietary": "JPMCOID"
                            }
                        }
                    ]
                }
            }
        },
        "creditorAccount": {
            "identification": {
                "other": {
                    "identification": "XXXXXXXX"
                }
            },
            "type": {
                "code": "CACC"
            },
            "currency": "EUR",
            "name": "HERBLIFE_FXACH_PAYOUT"
        },
        "creditorAgent": {
            "financialInstitutionIdentification": {
                "bic": "CHASIE4LXXX",
                "postalAddress": {
                    "country": "IE",
                    "addressLine": [
                        "83-85 CASTLEREAGH STREET",
                        "FLOOR 10 85 CASTLEREAGH STREET"
                    ]
                }
            }
        },
        "directDebitTransactionInformation": [
            {
                "paymentIdentification": {
                    "instructionIdentification": "ID_522",
                    "endToEndIdentification": "E2EIDIDDT660"
                },
                "remittanceInformation": {
                    "unstructured": [
                        "VALID SEPA IDDT LUX WITH COID"
                    ]
                },
                "instructedAmount": {
                    "amount": 2.75,
                    "currency": "EUR"
                },
                "ultimateCreditor": {
                    "name": "TEST",
                    "postalAddress": {
                        "streetName": "ultimatecreditorstreetName",
                        "buildingNumber": "111",
                        "postCode": "19460",
                        "townName": "Phoenixville",
                        "countrySubDivision": "ultimatecreditorcountrysubdiv",
                        "country": "IE"
                    },
                    "identification": {
                        "organisationIdentification": {
                            "other": [
                                {
                                    "identification": "VTAIDDT",
                                    "schemeName": {
                                        "proprietary": "virtualAccountIdentification"
                                    }
                                }
                            ]
                        }
                    }
                },
                "debtorAgent": {
                    "financialInstitutionIdentification": {
                        "bic": "CHASLULXXXX",
                        "clearingSystemMemberIdentification": {
                            "clearingSystemIdentification": {
                                "code": "USABA"
                            },
                            "memberIdentification": "021000021"
                        },
                        "postalAddress": {
                            "addressType": "ADDR",
                            "country": "US",
                            "addressLine": [
                                "456 Street Name"
                            ]
                        }
                    }
                },
                "debtor": {
                    "name": "HERBLIFE",
                    "postalAddress": {
                        "addressType": "ADDR",
                        "streetName": "Main Street",
                        "buildingNumber": "111",
                        "postCode": "1234",
                        "townName": "Phoenixville",
                        "countrySubDivision": "PA",
                        "country": "US",
                        "addressLine": [
                            "456 Street Name"
                        ]
                    }
                },
                "debtorAccount": {
                    "identification": {
                        "iban": "XXXXXXXX"
                    },
                    "currency": "EUR"
                },
                "mandateRelatedInformation": {
                    "mandateIdentification": "1234556gg",
                    "dateOfSignature": "2024-12-10",
                    "amendmentIndicator": true,
                    "sequenceType": {
                        "type": "FNAL"
                    },
                    "electronicSignature": "electronicSignature265hb83n",
                    "amendmentInformationDetails": {
                        "originalCreditorSchemeIdentification": {
                            "name": "nameCreditor",
                            "identification": {
                                "privateIdentification": {
                                    "other": [
                                        {
                                            "identification": "XXXXXXXX",
                                            "schemeName": {
                                                "proprietary": "proprietary-4"
                                            }
                                        }
                                    ]
                                }
                            }
                        },
                        "originalDebtorAccount": {
                            "identification": {
                                "iban": "XXXXXXXX",
                                "other": {
                                    "identification": "XXXXXXXX"
                                }
                            }
                        },
                        "originalDebtorAgent": {
                            "financialInstitutionIdentification": {
                                "bic": "CHASLULXXXX"
                            }
                        }
                    }
                }
            }
        ]
    }
}