Jp Morgan Wallet
Receive funds from an external account into a virtual account (PayInto Receipt)
Overview
A PayInto Receipt transaction transfers funds from a counterparty's physical bank account to a Virtual Transaction Account (VTA) in your J.P. Morgan Wallet™ program using a Payment Routing Number (PRN).
A PRN is a clearing-routable number that masks the actual account number of a VTA, used to route incoming payments to the VTA. For more information about PRNs, see Virtual accounts - Payment Routing Numbers.
The VTA that receives the funds must have a PRN. You can assign a PRN to a VTA when you create it, or you can assign a PRN to an existing VTA that doesn't have one.
Wallet initiates a PayInto Receipt transaction automatically when a VTA receives funds from an external physical account using a PRN. There is no client-facing endpoint to initiate the transaction. After Wallet processes the transaction, we send you a notification with information about the transaction.
Some use cases for PayInto Receipt include:
Receiving payments from external parties: External counterparties (such as customers, business partners, or marketplaces) can send funds directly to a VTA by using the PRN. This is useful for scenarios where you expect to receive funds from third parties without initiating the transaction yourself.
Marketplace settlements: In e-commerce or marketplace environments, sellers can receive proceeds from sales directly into their VTAs. The marketplace or payment processor sends the funds using the PRN, ensuring the correct seller’s VTA is credited.
Bulk collections for international sellers: Payment processors can collect proceeds from US marketplaces on behalf of international sellers and use the PRN to route funds into the appropriate Wallet Virtual Account for each seller, facilitating cross-border settlements.
Affiliate and third-party payments: Businesses can use PRNs to receive affiliate commissions, tax payments, or other third-party payments directly into their VTAs, streamlining reconciliation and fund allocation.
General use for routable VTAs: Any scenario where you want to provide a unique, routable account number (PRN) to external payers for direct crediting of funds into a specific sub-ledger (VTA) within your Wallet program.
For an overview of payment types in Wallet, see Payments.
Requirements
For a counterparty to send a payment from an external bank account to a virtual account in your Wallet program, they must follow certain requirements.
Depending on the payment system that executes the transaction, the incoming PayInto Receipt must contain an American Banking Association (ABA) number, Bank Identifier Code (BIC), International Bank Account Number (IBAN), or sort code.
Additionally, the PayInto Receipt must include the PRN of the account that receives the funds. The format of the PRN depends on the payment rail.
Incoming PayInto Receipt transactions must also adhere to properly formatted Standard Settlement Instructions (SSI). They should contain your name ({C1}) and the counterparty's name ({C2}) in the beneficiary format.
Different payment processors might or might not work with PRNs. For more information, see Virtual accounts - Use a PRN.
US
The following table outlines the requirements for US payment rails.
| Payment rail | Bank identifier type | PRN | Beneficiary bank | Beneficiary formatting | |
|---|---|---|---|---|---|
| Bank identifier | Account number | ||||
| US ACH | ABA | 028000024 | 14-digit number | J.P. Morgan Chase Bank, New York | [{C1} Re: {C2}] |
| US Wire | ABA / BIC |
|
14-digit number | J.P. Morgan Chase Bank, New York | [{C1} Re: {C2}] |
| US RTP | ABA | See the following table | 14-digit number | J.P. Morgan Chase Bank, New York | [{C1} Re: {C2}] |
For US RTP, see the following table to determine which ABA routing number to use.
| ABA routing number | TCH RTP eligible? | FedNOW eligible? | Recommended use case | Chase Connect customer guidance |
|---|---|---|---|---|
| 021000021 | Yes | Yes | Use if your bank is enabled for both TCH RTP and FedNOW. | Don't use for adding virtual accounts; use only if instructed for non-virtual accounts. |
| 028000024 | Yes | No | Use for Chase Connect portal validation and virtual accounts. | Use when adding new J.P. Morgan virtual accounts in Chase Connect portal. |
UK
The following table outlines the requirements for UK payment rails.
| Payment rail | Bank identifier type | PRN | Beneficiary bank | Beneficiary formatting | |
|---|---|---|---|---|---|
| Bank identifier | Account number / IBAN | ||||
| UK BACS | Sort code | 60-95-61 | 8-digit number | JPMorgan Chase Bank, N.A. - London Branch | [{C1} Re: {C2}] |
| UK Wire | Sort code / BIC |
|
|
JPMorgan Chase Bank, N.A. - London Branch | [{C1} Re: {C2}] |
| UK FPS | Sort code | 60-95-61 | 8-digit number | JPMorgan Chase Bank, N.A. - London Branch | [{C1} Re: {C2}] |
Luxembourg
For EU payment rails, Wallet only supports PayInto Receipt at the Luxembourg branch. The following table outlines the requirements for EU payment rails.
| Payment rail | Bank identifier type | PRN | Beneficiary bank | Beneficiary formatting | |
|---|---|---|---|---|---|
| Bank identifier | Account number / IBAN | ||||
| EU SEPA | BIC | CHASLULXVR1 | 20 characters: LU<2-digit check><16-digit account number> |
J.P. Morgan SE - Luxembourg Branch | [{C1} Re: {C2}] |
| EU Wire | BIC | CHASLULXVR1 | 20 characters: LU<2-digit check><16-digit account number> |
J.P. Morgan SE - Luxembourg Branch | [{C1} Re: {C2}] |
| EU SEPA Instant | BIC | CHASLULXVR1 | 20 characters: LU<2-digit check><16-digit account number> |
J.P. Morgan SE - Luxembourg Branch | [{C1} Re: {C2}] |
Notification
After Wallet processes a PayInto Receipt transaction, we send you a notification with information about the transaction. The notification might include the following fields:
groupHeader
The following code snippet is an example of the groupHeader object.
PayInto Receipt notification: groupHeader
Json
{
"groupHeader": {
"messageIdentification": "f9ce5f06-6b10-4d2f-848a-686e970fab35",
"creationDateTime": "2025-12-03T09:20:14.667+0000"
}
}The following table describes the fields in the groupHeader object.
| Field | Description |
|---|---|
creationDateTime |
Date and time when the transaction was initiated in ISO 8601 format: YYYY-MM-DDThh:mm:ss±hh:mm |
messageIdentification |
Unique ID that identifies this notification. |
originalGroupInformationAndStatus
The following code snippet is an example of the originalGroupInformationAndStatus object.
PayInto Receipt notification: originalGroupInformationAndStatus
Json
{
"originalGroupInformationAndStatus": {
"originalMessageIdentification": "334c3aa0-30b3-418f-8ac5-55cedb1564f",
"originalMessageNameIdentification": "API-PAYINTORECEIPT",
"originalNumberOfTransactions": 1
}
}The following table describes the fields in the originalGroupInformationAndStatus object.
| Field | Description |
|---|---|
originalMessageIdentification |
Unique ID that identifies the original transaction. |
originalMessageNameIdentification |
Type of the original transaction. For PayInto Receipt transactions, will always be API-PAYINTORECEIPT. |
originalNumberOfTransactions |
Number of transactions that were included in the original request. Every request can only have one transaction. |
originalPaymentInformationAndStatus
The following code snippet is an example of the originalPaymentInformationAndStatus object.
PayInto Receipt notification: originalPaymentInformationAndStatus
Json
{
"originalPaymentInformationAndStatus": {
"originalPaymentInformationIdentification": "360373372XXXXXXXX",
"transactionInformationAndStatus": [
{
"originalEndToEndIdentification": "3372XXXXXXXX",
"transactionStatus": "ACSC",
"statusReasonInformation": [
{
"additionalInformation": [
"/eventType/PaymentComplete",
"/POSTED-BALANCE:ultimateCreditor:ACCOUNT-TYPE/TRANSACTION",
"/POSTED-BALANCE:ultimateCreditor:VERSION/1",
"/POSTED-BALANCE:ultimateCreditor:ITBD/677871.07",
"/POSTED-BALANCE:ultimateCreditor:ITAV/677871.07",
"/POSTED-BALANCE:ultimateCreditor:XPCD/677871.07",
"/POSTED-BALANCE:ultimateCreditor:EFFECTIVE-DATE/2025-12-03",
"/POSTED-BALANCE:ultimateCreditor:TIMESTAMP/2025-12-03T09:20:14.558+00:00"
]
}
],
"acceptanceDateTime": "2025-12-03T09:20:14.080+0000",
"accountServicerReference": "3372672668TC",
"originalTransactionReference": {
"amount": {
"instructedAmount": {
"amount": 5000,
"currency": "USD"
}
},
"requestedExecutionDate": "2025-12-03",
"paymentMethod": "BOOK",
"remittanceInformation": [
{
"remittanceInformationText": "ORIG CO NAME:XXXXXXXX ORIG ID:XXXXXXXX DESC DATE:251203 CO ENTRY DESCR:SENDER SEC:CIE TRACE#:1130000XXXXXXXX EED:XXXXX",
"remittanceSequenceNumber": "1"
},
{
"remittanceInformationText": "3 IND ID:XXXXXXXX IND NAME:8XXXXXXXX VXR/101481XXXXXXXX ",
"remittanceSequenceNumber": "2"
},
{
"remittanceInformationText": " ONLNE TRNSFRXXXXXXXX TRN: 3372XXXXXXXX",
"remittanceSequenceNumber": "3"
}
],
"debtorAccount": {
"identification": {
"other": {
"identification": "UNAVAILABLE"
}
},
"currency": "USD",
"name": "XXXXXXXX"
},
"debtorAgent": {
"financialInstitutionIdentification": {
"bic": "UNAVAILABLE"
}
},
"creditorAgent": {
"financialInstitutionIdentification": {
"bic": "CHASUS33XXX"
}
},
"creditorAccount": {
"identification": {
"other": {
"identification": "XXXXXXXXXX"
}
},
"currency": "USD"
},
"ultimateCreditor": {
"identification": {
"organisationIdentification": {
"other": [
{
"identification": "7de9ab9002344624b9c73f26XXXXXXXX",
"schemeName": {
"proprietary": "virtualAccountIdentification"
}
}
]
}
}
},
"receiver": {
"identification": {
"organisationIdentification": {
"other": [
{
"identification": "XXXXXXXXXX",
"schemeName": {
"proprietary": "ProgramID"
}
},
{
"identification": "PAYINTORECEIPT",
"schemeName": {
"proprietary": "TxnType"
}
}
]
}
}
}
}
}
]
}
}The following table describes the fields in the originalPaymentInformationAndStatus object.
| Field | Description |
|---|---|
originalPaymentInformationIdentification |
Unique ID that identifies the original payment information sent to Wallet. |
transactionInformationAndStatus.acceptanceDateTime |
Date and time when Wallet accepted and began processing the transaction, in ISO 8601 format: YYYY-MM-DDThh:mm:ss±hh:mm |
transactionInformationAndStatus.accountServicerReference |
Unique ID that the account servicer (such as J.P. Morgan) assigns to the transaction for tracking, reconciliation, and auditing purposes. |
transactionInformationAndStatus.originalEndToEndIdentification |
Unique ID that identifies the original transaction that was sent to Wallet over the end-to-end lifecycle of the transaction. |
transactionInformationAndStatus.originalTransactionReference.amount.instructedAmount.amount |
Monetary value associated with the transaction. |
transactionInformationAndStatus.originalTransactionReference.amount.instructedAmount.currency |
Currency of the funds associated with the transaction. |
transactionInformationAndStatus.originalTransactionReference.creditorAccount.currency |
Currency of the funds in the credited DDA. |
transactionInformationAndStatus.originalTransactionReference.creditorAccount.identification.other.identification |
ID of your Demand Deposit Account (DDA) that Wallet credited. |
transactionInformationAndStatus.originalTransactionReference.creditorAgent.financialInstitutionIdentification.bic |
BIC of the branch where the credited account is located. |
transactionInformationAndStatus.originalTransactionReference.debtorAccount.currency |
Currency of the funds in the counterparty's account. |
transactionInformationAndStatus.originalTransactionReference.debtorAccount.identification.other.identification |
ID of the counterparty's physical account that Wallet debited. |
transactionInformationAndStatus.originalTransactionReference.debtorAgent.financialInstitutionIdentification.bic |
Business Identifier Code (BIC) of the branch where the debited account is located. For information about BICs, see [Reference - Supported branches and their Business Identifier Codes](/content/dam/jpm-cp/payments-developer-console/en/docs/treasury/jp-morgan-wallet/reference#supported-branches-and-their-business-identifier-codes-bics). |
transactionInformationAndStatus.originalTransactionReference.paymentMethod |
Payment method used in the transaction. For information about the different payment methods, see Payments - Payment methods. |
transactionInformationAndStatus.originalTransactionReference.receiver.identification.organisationIdentification.other.identification |
ID of the receiving party. |
transactionInformationAndStatus.originalTransactionReference.receiver.identification.organisationIdentification.other.schemeName.proprietary |
Type of ID. |
transactionInformationAndStatus.originalTransactionReference.remittanceInformation.remittanceInformationText |
Remittance information provided in the transaction. |
transactionInformationAndStatus.originalTransactionReference.remittanceInformation.remittanceSequenceNumber |
Number of this remittance information item in the sequence. |
transactionInformationAndStatus.originalTransactionReference.requestedExecutionDate |
Date when the counterparty requested that the transaction be executed. |
transactionInformationAndStatus.originalTransactionReference.ultimateCreditor.identification.organisationIdentification.other.identification |
ID of the VTA that Wallet credited. |
transactionInformationAndStatus.originalTransactionReference.ultimateCreditor.identification.organisationIdentification.other.schemeName.proprietary |
Type of ID. Will always be virtualAccountIdentification. |
transactionInformationAndStatus.statusReasonInformation.additionalInformation |
Supplementary details or context about the transaction event. Contains a list of strings, each offering specific information related to the transaction, such as event types, status changes, error codes, or other relevant metadata. |
transactionInformationAndStatus.transactionStatus |
Processing state of the transaction. For information about the different transaction status codes, see Payments - Transaction status codes. |
Examples
The following are examples of notifications that Wallet sends after a counterparty initiates a transfer of funds to a VTA using different payment rails. They include data about the corresponding PayInto Receipt transactions that Wallet automatically executes.
North America
US ACH
The following is an example notification for a PayInto Receipt US ACH transaction.
Example notification: PayInto Receipt US ACH
Json
{
"groupHeader": {
"messageIdentification": "f9ce5f06-6b10-4d2f-848a-686e970fab35",
"creationDateTime": "2025-12-03T09:20:14.667+0000"
},
"originalGroupInformationAndStatus": {
"originalMessageIdentification": "334c3aa0-30b3-418f-8ac5-55cedb1564f",
"originalMessageNameIdentification": "API-PAYINTORECEIPT",
"originalNumberOfTransactions": 1
},
"originalPaymentInformationAndStatus": {
"originalPaymentInformationIdentification": "360373372XXXXXXXX",
"transactionInformationAndStatus": [
{
"originalEndToEndIdentification": "3372XXXXXXXX",
"transactionStatus": "ACSC",
"statusReasonInformation": [
{
"additionalInformation": [
"/eventType/PaymentComplete",
"/POSTED-BALANCE:ultimateCreditor:ACCOUNT-TYPE/TRANSACTION",
"/POSTED-BALANCE:ultimateCreditor:VERSION/1",
"/POSTED-BALANCE:ultimateCreditor:ITBD/677871.07",
"/POSTED-BALANCE:ultimateCreditor:ITAV/677871.07",
"/POSTED-BALANCE:ultimateCreditor:XPCD/677871.07",
"/POSTED-BALANCE:ultimateCreditor:EFFECTIVE-DATE/2025-12-03",
"/POSTED-BALANCE:ultimateCreditor:TIMESTAMP/2025-12-03T09:20:14.558+00:00"
]
}
],
"acceptanceDateTime": "2025-12-03T09:20:14.080+0000",
"accountServicerReference": "3372672668TC",
"originalTransactionReference": {
"amount": {
"instructedAmount": {
"amount": 5000,
"currency": "USD"
}
},
"requestedExecutionDate": "2025-12-03",
"paymentMethod": "BOOK",
"remittanceInformation": [
{
"remittanceInformationText": "ORIG CO NAME:XXXXXXXX ORIG ID:XXXXXXXX DESC DATE:251203 CO ENTRY DESCR:SENDER SEC:CIE TRACE#:1130000XXXXXXXX EED:XXXXX",
"remittanceSequenceNumber": "1"
},
{
"remittanceInformationText": "3 IND ID:XXXXXXXX IND NAME:8XXXXXXXX VXR/101481XXXXXXXX ",
"remittanceSequenceNumber": "2"
},
{
"remittanceInformationText": " ONLNE TRNSFRXXXXXXXX TRN: 3372XXXXXXXX",
"remittanceSequenceNumber": "3"
}
],
"debtorAccount": {
"identification": {
"other": {
"identification": "UNAVAILABLE"
}
},
"currency": "USD",
"name": "XXXXXXXX"
},
"debtorAgent": {
"financialInstitutionIdentification": {
"bic": "UNAVAILABLE"
}
},
"creditorAgent": {
"financialInstitutionIdentification": {
"bic": "CHASUS33XXX"
}
},
"creditorAccount": {
"identification": {
"other": {
"identification": "09XXXXXXXX"
}
},
"currency": "USD"
},
"ultimateCreditor": {
"identification": {
"organisationIdentification": {
"other": [
{
"identification": "7de9ab9002344624b9c73f26XXXXXXXX",
"schemeName": {
"proprietary": "virtualAccountIdentification"
}
}
]
}
}
},
"receiver": {
"identification": {
"organisationIdentification": {
"other": [
{
"identification": "10XXXXXXXX",
"schemeName": {
"proprietary": "ProgramID"
}
},
{
"identification": "PAYINTORECEIPT",
"schemeName": {
"proprietary": "TxnType"
}
}
]
}
}
}
}
}
]
}
}US Wire
The following is an example notification for a PayInto Receipt US Wire transaction.
Example notification: PayInto Receipt US wire
Json
{
"groupHeader": {
"messageIdentification": "607572dc-c0e5-4a0b-b288-1597df8a51ef",
"creationDateTime": "2025-12-03T14:26:01.451+0000"
},
"originalGroupInformationAndStatus": {
"originalMessageIdentification": "741848f2-5ca2-4108-9761-40c6c210d11",
"originalMessageNameIdentification": "API-PAYINTORECEIPT",
"originalNumberOfTransactions": 1
},
"originalPaymentInformationAndStatus": {
"originalPaymentInformationIdentification": "1674663250XXXXXXXX",
"transactionInformationAndStatus": [
{
"originalEndToEndIdentification": "3250XXXXXXXX",
"transactionStatus": "ACSC",
"statusReasonInformation": [
{
"additionalInformation": [
"/eventType/PaymentComplete",
"/POSTED-BALANCE:ultimateCreditor:ACCOUNT-TYPE/TRANSACTION",
"/POSTED-BALANCE:ultimateCreditor:VERSION/1",
"/POSTED-BALANCE:ultimateCreditor:ITBD/822501.0",
"/POSTED-BALANCE:ultimateCreditor:ITAV/822501.0",
"/POSTED-BALANCE:ultimateCreditor:XPCD/822501.0",
"/POSTED-BALANCE:ultimateCreditor:EFFECTIVE-DATE/2025-12-03",
"/POSTED-BALANCE:ultimateCreditor:TIMESTAMP/2025-12-03T14:26:01.216+00:00"
]
}
],
"acceptanceDateTime": "2025-12-03T14:26:00.344+0000",
"accountServicerReference": "3250535337ES",
"originalTransactionReference": {
"amount": {
"instructedAmount": {
"amount": 22199,
"currency": "USD"
}
},
"requestedExecutionDate": "2025-12-03",
"paymentMethod": "BOOK",
"remittanceInformation": [
{
"remittanceInformationText": "VXR/101481XXXXXXXX BOOK TRANSFER CREDIT B/O: XXXXXXXX SAN ANTONIO TX 78216-2154 US REF: XXXXXXXX XXXXXXXX NEW YORK NY 10",
"remittanceSequenceNumber": "1"
},
{
"remittanceInformationText": "017 US TRN: 3250XXXXXXXX",
"remittanceSequenceNumber": "2"
}
],
"debtorAccount": {
"identification": {
"other": {
"identification": "000000007XXXXXXXX"
}
},
"currency": "USD"
},
"debtorAgent": {
"financialInstitutionIdentification": {
"bic": "UNAVAILABLE",
"name": "XXXXXXXX"
},
"branchIdentification": {
"identification": "802"
}
},
"creditorAgent": {
"financialInstitutionIdentification": {
"bic": "CHASUS33XXX"
}
},
"creditorAccount": {
"identification": {
"other": {
"identification": "09XXXXXXXX"
}
},
"currency": "USD"
},
"ultimateCreditor": {
"identification": {
"organisationIdentification": {
"other": [
{
"identification": "b945d9d72cbd4371abd2fcc0XXXXXXXX",
"schemeName": {
"proprietary": "virtualAccountIdentification"
}
}
]
}
}
},
"receiver": {
"identification": {
"organisationIdentification": {
"other": [
{
"identification": "10XXXXXXXX",
"schemeName": {
"proprietary": "ProgramID"
}
},
{
"identification": "PAYINTORECEIPT",
"schemeName": {
"proprietary": "TxnType"
}
}
]
}
}
}
}
}
]
}
}US RTP
The following is an example notification for a PayInto Receipt US RTP transaction.
Example notification: PayInto Receipt US RTP
Json
{
"groupHeader": {
"messageIdentification": "669fa736-6aaf-453b-8c02-fd2493588d42",
"creationDateTime": "2025-12-03T09:03:15.851+0000"
},
"originalGroupInformationAndStatus": {
"originalMessageIdentification": "26fc44a9-a54c-4f08-901b-fc0627cf7c9",
"originalMessageNameIdentification": "API-PAYINTORECEIPT",
"originalNumberOfTransactions": 1
},
"originalPaymentInformationAndStatus": {
"originalPaymentInformationIdentification": "1622212886XXXXXXXX",
"transactionInformationAndStatus": [
{
"originalEndToEndIdentification": "2886XXXXXXXX",
"transactionStatus": "ACSC",
"statusReasonInformation": [
{
"additionalInformation": [
"/eventType/PaymentComplete",
"/POSTED-BALANCE:ultimateCreditor:ACCOUNT-TYPE/TRANSACTION",
"/POSTED-BALANCE:ultimateCreditor:VERSION/2",
"/POSTED-BALANCE:ultimateCreditor:ITBD/76662370",
"/POSTED-BALANCE:ultimateCreditor:ITAV/76662370",
"/POSTED-BALANCE:ultimateCreditor:XPCD/76662370",
"/POSTED-BALANCE:ultimateCreditor:EFFECTIVE-DATE/2025-12-03",
"/POSTED-BALANCE:ultimateCreditor:TIMESTAMP/2025-12-03T09:03:15.620+00:00"
]
}
],
"acceptanceDateTime": "2025-12-03T09:03:14.593+0000",
"accountServicerReference": "2886622336GB",
"originalTransactionReference": {
"amount": {
"instructedAmount": {
"amount": 2000000,
"currency": "USD"
}
},
"requestedExecutionDate": "2025-12-03",
"paymentMethod": "BOOK",
"remittanceInformation": [
{
"remittanceInformationText": "/VXR/101481XXXXXXXX/ REAL TIME TRANSFER RECD FROM ABA/CONTR BNK-0XXXXXXXX FROM: XXXXXXXX/RealNet Pa REF: PZ0B3WXXXXXXXX",
"remittanceSequenceNumber": "1"
},
{
"remittanceInformationText": "O: TEXT-RmtInf-XXXXXXXX-20251XXXXXXXX IID: 20251203021000021P1BRJPC062XXXXXXXX RECD: 04:03:11 TRN: 2886XXXXXXXX BREF: XX",
"remittanceSequenceNumber": "2"
},
{
"remittanceInformationText": "87119627704fbb8290aecaXXXXXXXX",
"remittanceSequenceNumber": "3"
}
],
"debtorAccount": {
"identification": {
"other": {
"identification": "UNAVAILABLE"
}
},
"currency": "USD"
},
"debtorAgent": {
"financialInstitutionIdentification": {
"bic": "UNAVAILABLE"
}
},
"creditorAgent": {
"financialInstitutionIdentification": {
"bic": "CHASUS33XXX"
}
},
"creditorAccount": {
"identification": {
"other": {
"identification": "09XXXXXXXX"
}
},
"currency": "USD"
},
"ultimateCreditor": {
"identification": {
"organisationIdentification": {
"other": [
{
"identification": "2a1bd93c429341f6aa8d2103XXXXXXXX",
"schemeName": {
"proprietary": "virtualAccountIdentification"
}
}
]
}
}
},
"receiver": {
"identification": {
"organisationIdentification": {
"other": [
{
"identification": "10XXXXXXXX",
"schemeName": {
"proprietary": "ProgramID"
}
},
{
"identification": "PAYINTORECEIPT",
"schemeName": {
"proprietary": "TxnType"
}
}
]
}
}
}
}
}
]
}
}EMEA
UK Wire
The following is an example notification for a PayInto Receipt UK Wire transaction.
Example notification: PayInto Receipt UK wire
Json
{
"groupHeader": {
"messageIdentification": "d13891a8-8dc8-4014-8622-ea54568c1e41",
"creationDateTime": "2025-11-26T15:19:36.597+0000"
},
"originalGroupInformationAndStatus": {
"originalMessageIdentification": "46f0df41-8d97-4239-bc9b-b6147ed2e2f",
"originalMessageNameIdentification": "API-PAYINTORECEIPT",
"originalNumberOfTransactions": 1
},
"originalPaymentInformationAndStatus": {
"originalPaymentInformationIdentification": "4341008605XXXXXXXX",
"transactionInformationAndStatus": [
{
"originalEndToEndIdentification": "8605XXXXXXXX",
"transactionStatus": "ACSC",
"statusReasonInformation": [
{
"additionalInformation": [
"/eventType/PaymentComplete",
"/POSTED-BALANCE:ultimateCreditor:ACCOUNT-TYPE/TRANSACTION",
"/POSTED-BALANCE:ultimateCreditor:VERSION/1",
"/POSTED-BALANCE:ultimateCreditor:ITBD/28.0",
"/POSTED-BALANCE:ultimateCreditor:ITAV/28.0",
"/POSTED-BALANCE:ultimateCreditor:XPCD/28.0",
"/POSTED-BALANCE:ultimateCreditor:EFFECTIVE-DATE/2025-11-26",
"/POSTED-BALANCE:ultimateCreditor:TIMESTAMP/2025-11-26T15:19:36.271+00:00"
]
}
],
"acceptanceDateTime": "2025-11-26T15:19:33.881+0000",
"accountServicerReference": "8605XXXXXXXX",
"originalTransactionReference": {
"amount": {
"instructedAmount": {
"amount": 20,
"currency": "GBP"
}
},
"requestedExecutionDate": "2025-11-26",
"paymentMethod": "BOOK",
"remittanceInformation": [
{
"remittanceInformationText": "/OCMT/GBP20,/ B/O /LU4406700065XXXXXXXX XXXXXXXX",
"remittanceSequenceNumber": "1"
},
{
"remittanceInformationText": "e, XXXXXXXX /VXR/GB19CHAS609561XXXXXXXX/ /URI/FROM XXXXXXXX,25.10.2025 /FXA/T2C76DA65C4F288B60B0DAXXXXXXXX2025 11 26T15 0",
"remittanceSequenceNumber": "2"
},
{
"remittanceInformationText": "6 56Z/PPRO////ROC/E2759C1XXXXXXXX EMPTY NARRATIVE",
"remittanceSequenceNumber": "3"
}
],
"debtorAccount": {
"identification": {
"other": {
"identification": "4406700065XXXXXXXX"
}
},
"currency": "GBP",
"name": "XXXXXXXX"
},
"debtorAgent": {
"financialInstitutionIdentification": {
"bic": "CHASLULXXXX",
"name": "J.P. MORGAN SE - LUXEMBOURG BRANCH"
}
},
"creditorAgent": {
"financialInstitutionIdentification": {
"bic": "CHASGB2LXXX"
}
},
"creditorAccount": {
"identification": {
"other": {
"identification": "00XXXXXXXX"
}
},
"currency": "GBP"
},
"ultimateCreditor": {
"identification": {
"organisationIdentification": {
"other": [
{
"identification": "37de9d3899eb4981ab3431c3XXXXXXXX",
"schemeName": {
"proprietary": "virtualAccountIdentification"
}
}
]
}
}
},
"receiver": {
"identification": {
"organisationIdentification": {
"other": [
{
"identification": "10XXXXXXXX",
"schemeName": {
"proprietary": "ProgramID"
}
},
{
"identification": "PAYINTORECEIPT",
"schemeName": {
"proprietary": "TxnType"
}
}
]
}
}
}
}
}
]
}
}UK RTP
The following is an example notification for a PayInto Receipt UK RTP transaction.
Example notification: PayInto Receipt UK RTP
Json
{
"groupHeader": {
"messageIdentification": "7e92252e-e4eb-48d6-9145-ed5bdeee443b",
"creationDateTime": "2025-12-03T07:00:43.083+0000"
},
"originalGroupInformationAndStatus": {
"originalMessageIdentification": "b27d88ac-c64b-4c46-ae1a-426bde19219",
"originalMessageNameIdentification": "API-PAYINTORECEIPT",
"originalNumberOfTransactions": 1
},
"originalPaymentInformationAndStatus": {
"originalPaymentInformationIdentification": "216540G1FCXXXXXXXX",
"transactionInformationAndStatus": [
{
"originalEndToEndIdentification": "G1FCXXXXXXXX",
"transactionStatus": "ACSC",
"statusReasonInformation": [
{
"additionalInformation": [
"/eventType/PaymentComplete",
"/POSTED-BALANCE:ultimateCreditor:ACCOUNT-TYPE/TRANSACTION",
"/POSTED-BALANCE:ultimateCreditor:VERSION/1",
"/POSTED-BALANCE:ultimateCreditor:ITBD/1903598.21",
"/POSTED-BALANCE:ultimateCreditor:ITAV/1903598.21",
"/POSTED-BALANCE:ultimateCreditor:XPCD/1903598.21",
"/POSTED-BALANCE:ultimateCreditor:EFFECTIVE-DATE/2025-12-03",
"/POSTED-BALANCE:ultimateCreditor:TIMESTAMP/2025-12-03T07:00:42.795+00:00"
]
}
],
"acceptanceDateTime": "2025-12-03T07:00:41.870+0000",
"accountServicerReference": "G1FCXXXXXXXX",
"originalTransactionReference": {
"amount": {
"instructedAmount": {
"amount": 373910.5,
"currency": "GBP"
}
},
"requestedExecutionDate": "2025-12-03",
"paymentMethod": "BOOK",
"remittanceInformation": [
{
"remittanceInformationText": "/REMI//VXR/GB09CHAS609561XXXXXXXX//REF/8251318cXXXXXXXX/ORDP/XXXXXXXX/FPS/",
"remittanceSequenceNumber": "1"
}
],
"debtorAccount": {
"identification": {
"other": {
"identification": "00XXXXXXXX"
}
},
"currency": "GBP",
"name": "Payhawk."
},
"debtorAgent": {
"financialInstitutionIdentification": {
"bic": "UNAVAILABLE"
},
"branchIdentification": {
"identification": "XXXXXXXX"
}
},
"creditorAgent": {
"financialInstitutionIdentification": {
"bic": "CHASGB2LXXX"
}
},
"creditorAccount": {
"identification": {
"other": {
"identification": "00XXXXXXXX"
}
},
"currency": "GBP"
},
"ultimateCreditor": {
"identification": {
"organisationIdentification": {
"other": [
{
"identification": "b78c1f490f6e4f71b75f8918XXXXXXXX",
"schemeName": {
"proprietary": "virtualAccountIdentification"
}
}
]
}
}
},
"receiver": {
"identification": {
"organisationIdentification": {
"other": [
{
"identification": "10XXXXXXXX",
"schemeName": {
"proprietary": "ProgramID"
}
},
{
"identification": "PAYINTORECEIPT",
"schemeName": {
"proprietary": "TxnType"
}
}
]
}
}
}
}
}
]
}
}EU SEPA
The following is an example notification for a PayInto Receipt SEPA transaction.
Example notification: PayInto Receipt SEPA ACH
Json
{
"groupHeader": {
"messageIdentification": "8409c01c-004d-40c0-a956-1419056b1e9a",
"creationDateTime": "2025-12-03T06:11:13.681+0000"
},
"originalGroupInformationAndStatus": {
"originalMessageIdentification": "f5791c4c-133f-4760-90ce-0049a482400",
"originalMessageNameIdentification": "API-PAYINTORECEIPT",
"originalNumberOfTransactions": 1
},
"originalPaymentInformationAndStatus": {
"originalPaymentInformationIdentification": "561497G39PXXXXXXXX",
"transactionInformationAndStatus": [
{
"originalEndToEndIdentification": "G39PXXXXXXXX",
"transactionStatus": "ACSC",
"statusReasonInformation": [
{
"additionalInformation": [
"/eventType/PaymentComplete",
"/POSTED-BALANCE:ultimateCreditor:ACCOUNT-TYPE/TRANSACTION",
"/POSTED-BALANCE:ultimateCreditor:VERSION/1",
"/POSTED-BALANCE:ultimateCreditor:ITBD/20652.61",
"/POSTED-BALANCE:ultimateCreditor:ITAV/20652.61",
"/POSTED-BALANCE:ultimateCreditor:XPCD/20652.61",
"/POSTED-BALANCE:ultimateCreditor:EFFECTIVE-DATE/2025-12-03",
"/POSTED-BALANCE:ultimateCreditor:TIMESTAMP/2025-12-03T06:11:13.533+00:00"
]
}
],
"acceptanceDateTime": "2025-12-03T06:11:12.647+0000",
"accountServicerReference": "G39PXXXXXXXX",
"originalTransactionReference": {
"amount": {
"instructedAmount": {
"amount": 20652.61,
"currency": "EUR"
}
},
"requestedExecutionDate": "2025-12-03",
"paymentMethod": "BOOK",
"remittanceInformation": [
{
"remittanceInformationText": "/SCT//EREF/ST-SC4EXXXXXXXX/ORDP//NAME/XXXXXXXX/ID/BIC/CHASIE4LXXX/REMI//VXR/LU4006700033XXXXXXXX/XXXXXXXX/IACH/XXXXXX",
"remittanceSequenceNumber": "1"
},
{
"remittanceInformationText": "XXXXXXXX/ULTD//NAME/XXXXXXXX",
"remittanceSequenceNumber": "2"
}
],
"debtorAccount": {
"identification": {
"other": {
"identification": "IE46CHAS930903XXXXXXXX"
}
},
"currency": "EUR",
"name": "XXXXXXXX"
},
"debtorAgent": {
"financialInstitutionIdentification": {
"bic": "CHASIE4LXXX"
}
},
"creditorAgent": {
"financialInstitutionIdentification": {
"bic": "CHASLULXXXX"
}
},
"creditorAccount": {
"identification": {
"other": {
"identification": "65XXXXXXXX"
}
},
"currency": "EUR"
},
"ultimateCreditor": {
"identification": {
"organisationIdentification": {
"other": [
{
"identification": "5df5ce75e8d444c4b72a4983XXXXXXXX",
"schemeName": {
"proprietary": "virtualAccountIdentification"
}
}
]
}
}
},
"receiver": {
"identification": {
"organisationIdentification": {
"other": [
{
"identification": "10XXXXXXXX",
"schemeName": {
"proprietary": "ProgramID"
}
},
{
"identification": "PAYINTORECEIPT",
"schemeName": {
"proprietary": "TxnType"
}
}
]
}
}
}
}
}
]
}
}EU SEPA Wire
The following is an example notification for a PayInto Receipt SEPA Wire transaction.
Example notification: PayInto Receipt SEPA wire
Json
{
"groupHeader": {
"messageIdentification": "e969219f-ee0e-4868-aed4-9b36968f60c1",
"creationDateTime": "2025-12-03T07:56:59.125+0000"
},
"originalGroupInformationAndStatus": {
"originalMessageIdentification": "2e4b1ab7-ba6e-4bec-b944-6c1954266a7",
"originalMessageNameIdentification": "API-PAYINTORECEIPT",
"originalNumberOfTransactions": 1
},
"originalPaymentInformationAndStatus": {
"originalPaymentInformationIdentification": "3059741378XXXXXXXX",
"transactionInformationAndStatus": [
{
"originalEndToEndIdentification": "1378XXXXXXXX",
"transactionStatus": "ACSC",
"statusReasonInformation": [
{
"additionalInformation": [
"/eventType/PaymentComplete",
"/POSTED-BALANCE:ultimateCreditor:ACCOUNT-TYPE/TRANSACTION",
"/POSTED-BALANCE:ultimateCreditor:VERSION/1",
"/POSTED-BALANCE:ultimateCreditor:ITBD/2434.98",
"/POSTED-BALANCE:ultimateCreditor:ITAV/2434.98",
"/POSTED-BALANCE:ultimateCreditor:XPCD/2434.98",
"/POSTED-BALANCE:ultimateCreditor:EFFECTIVE-DATE/2025-12-03",
"/POSTED-BALANCE:ultimateCreditor:TIMESTAMP/2025-12-03T07:56:58.858+00:00"
]
}
],
"acceptanceDateTime": "2025-12-03T07:56:57.596+0000",
"accountServicerReference": "1378XXXXXXXX",
"originalTransactionReference": {
"amount": {
"instructedAmount": {
"amount": 2434.98,
"currency": "EUR"
}
},
"requestedExecutionDate": "2025-12-03",
"paymentMethod": "BOOK",
"remittanceInformation": [
{
"remittanceInformationText": "/OCMT/EUR2434,98/ /VXR/LU4106700033XXXXXXXX/ /URI/01 Nov 2025 30 Nov 2025///ROC/XXXXXXXX",
"remittanceSequenceNumber": "1"
},
{
"remittanceInformationText": "XXXXXXXX B/O /309589XXXXXXXX XXXXXXXX WESTON COURT, WESTON NEWBURY, BERKSHIRE XXXXXXXX",
"remittanceSequenceNumber": "2"
},
{
"remittanceInformationText": "BERLIN EMPTY NARRATIVE",
"remittanceSequenceNumber": "3"
}
],
"debtorAccount": {
"identification": {
"other": {
"identification": "309589XXXXXXXX"
}
},
"currency": "EUR",
"name": "XXXXXXXX"
},
"debtorAgent": {
"financialInstitutionIdentification": {
"bic": "LOYDDEBB",
"name": "XXXXXXXX"
}
},
"creditorAgent": {
"financialInstitutionIdentification": {
"bic": "CHASLULXXXX"
}
},
"creditorAccount": {
"identification": {
"other": {
"identification": "65XXXXXXXX"
}
},
"currency": "EUR"
},
"ultimateCreditor": {
"identification": {
"organisationIdentification": {
"other": [
{
"identification": "c85de89666db4d79bd4e989bXXXXXXXX",
"schemeName": {
"proprietary": "virtualAccountIdentification"
}
}
]
}
}
},
"receiver": {
"identification": {
"organisationIdentification": {
"other": [
{
"identification": "10XXXXXXXX",
"schemeName": {
"proprietary": "ProgramID"
}
},
{
"identification": "PAYINTORECEIPT",
"schemeName": {
"proprietary": "TxnType"
}
}
]
}
}
}
}
}
]
}
}EU SEPA Instant
The following is an example notification for a PayInto Receipt SEPA Instant transaction.
Example notification: PayInto Receipt SEPA RTP
Json
{
"groupHeader": {
"messageIdentification": "ac3df167-d0dd-4422-a4bf-416a1a4c6f35",
"creationDateTime": "2025-12-03T07:00:46.355+0000"
},
"originalGroupInformationAndStatus": {
"originalMessageIdentification": "f60ea67e-def7-4721-8085-737dbc051f1",
"originalMessageNameIdentification": "API-PAYINTORECEIPT",
"originalNumberOfTransactions": 1
},
"originalPaymentInformationAndStatus": {
"originalPaymentInformationIdentification": "761156G1FCXXXXXXXX",
"transactionInformationAndStatus": [
{
"originalEndToEndIdentification": "G1FCXXXXXXXX",
"transactionStatus": "ACSC",
"statusReasonInformation": [
{
"additionalInformation": [
"/eventType/PaymentComplete",
"/POSTED-BALANCE:ultimateCreditor:ACCOUNT-TYPE/TRANSACTION",
"/POSTED-BALANCE:ultimateCreditor:VERSION/2",
"/POSTED-BALANCE:ultimateCreditor:ITBD/2759732.17",
"/POSTED-BALANCE:ultimateCreditor:ITAV/2759732.17",
"/POSTED-BALANCE:ultimateCreditor:XPCD/2759732.17",
"/POSTED-BALANCE:ultimateCreditor:EFFECTIVE-DATE/2025-12-03",
"/POSTED-BALANCE:ultimateCreditor:TIMESTAMP/2025-12-03T07:00:46.128+00:00"
]
}
],
"acceptanceDateTime": "2025-12-03T07:00:45.271+0000",
"accountServicerReference": "G1FCXXXXXXXX",
"originalTransactionReference": {
"amount": {
"instructedAmount": {
"amount": 36592.35,
"currency": "EUR"
}
},
"requestedExecutionDate": "2025-12-03",
"paymentMethod": "BOOK",
"remittanceInformation": [
{
"remittanceInformationText": "/REMI/a0a5201dXXXXXXXX/REF/c6fc1cec3cef42e7b52d77b3XXXXXXXX/VXR/LU0806700010XXXXXXXX/ORDP/XXXXXXXX/RT1/",
"remittanceSequenceNumber": "1"
}
],
"debtorAccount": {
"identification": {
"other": {
"identification": "GB04LHVB040315XXXXXXXX"
}
},
"currency": "EUR",
"name": "XXXXXXXX"
},
"debtorAgent": {
"financialInstitutionIdentification": {
"bic": "LHVBGB2L"
}
},
"creditorAgent": {
"financialInstitutionIdentification": {
"bic": "CHASLULXXXX"
}
},
"creditorAccount": {
"identification": {
"other": {
"identification": "65XXXXXXXX"
}
},
"currency": "EUR"
},
"ultimateCreditor": {
"identification": {
"organisationIdentification": {
"other": [
{
"identification": "8f429c8e869d4daf81189070XXXXXXXX",
"schemeName": {
"proprietary": "virtualAccountIdentification"
}
}
]
}
}
},
"receiver": {
"identification": {
"organisationIdentification": {
"other": [
{
"identification": "10XXXXXXXX",
"schemeName": {
"proprietary": "ProgramID"
}
},
{
"identification": "PAYINTORECEIPT",
"schemeName": {
"proprietary": "TxnType"
}
}
]
}
}
}
}
}
]
}
}APAC
AU Wire
The following is an example notification for a PayInto Receipt AU Wire transaction.
Example notification: PayInto Receipt AU wire
Json
{
"event": {
"id": "7daf5286-ae6d-483e-bcd0-383b6fe58d16",
"creationDateTime": "2025-12-03T03:37:01.251+0000",
"occurrenceDateTime": "2025-12-03T03:37:01.134+0000",
"programId": "1000000014",
"eventType": "TRANSACTION",
"eventState": "COMPLETED",
"finalState": true,
"data": {
"originalMessageInformationAndStatus": {
"originalMessageId": "7aac1443-f1de-45a3-850b-d62edcf3af8",
"transactionInformationAndStatus": {
"relatedBatchInformation": {
"originalPaymentInformationId": "601235T29FXXXXXXXXX",
"batchFirmRootId": "87ebef33-be11-40b2-a4e8-922aXXXXXXXX"
},
"firmRootId": "5dba4c5d-2b9d-405e-b3d9-e096XXXXXXXX",
"customerReference": "T29FXXXXXXXXX",
"debitAccountId": "00XXXXXXXX",
"creditAccountId": "00XXXXXXXX",
"creditVirtualAccountId": "XXXXXX",
"creditPaymentRoutingNumber": "2XXXXXXXX",
"debitAmount": {
"currency": "AUD",
"amount": "949197.74"
},
"creditAmount": {
"currency": "AUD",
"amount": "949197.74"
},
"transactionDate": "2025-12-03",
"valueDate": "2025-12-03",
"unstructuredRemittance": "/VXR/2XXXXXXXX/~MC SETTLEMENT FOR ICA XXXXX~~~~~~~~",
"transactionLevelReturnInformation": {
"reasons": [
{
"description": "Generated ACK from PK"
}
]
},
"postedBalances": [
{
"accountRefType": "ultimateCreditor",
"accountType": "TRANSACTION",
"effectiveDate": "2025-12-03",
"version": 1,
"itbd": 16514617.6408797,
"itav": 16514617.6408797,
"xpcd": 16514617.6408797,
"timestamp": "2025-12-03T03:37:01.046+0000"
}
]
}
}
},
"transactionType": "PAYINTORECEIPT",
"batchIntegrity": false
}
}SG ACH
The following is an example notification for a PayInto Receipt SG ACH transaction.
Example notification: PayInto Receipt SG ACH
Json
{
"groupHeader": {
"messageIdentification": "a0349587-a42f-4b2b-9e72-ed48204583f4",
"creationDateTime": "2025-12-01T08:13:01.192+0000"
},
"originalGroupInformationAndStatus": {
"originalMessageIdentification": "f3537199-9be6-40e7-b0ba-55bb8dc6f7b",
"originalMessageNameIdentification": "API-PAYINTORECEIPT",
"originalNumberOfTransactions": 1
},
"originalPaymentInformationAndStatus": {
"originalPaymentInformationIdentification": "876025LSG5335XXXXXXXX",
"transactionInformationAndStatus": [
{
"originalEndToEndIdentification": "LSG5335XXXXXXXX",
"transactionStatus": "ACSC",
"statusReasonInformation": [
{
"additionalInformation": [
"/eventType/PaymentComplete",
"/POSTED-BALANCE:ultimateCreditor:ACCOUNT-TYPE/TRANSACTION",
"/POSTED-BALANCE:ultimateCreditor:VERSION/1",
"/POSTED-BALANCE:ultimateCreditor:ITBD/408.42",
"/POSTED-BALANCE:ultimateCreditor:ITAV/408.42",
"/POSTED-BALANCE:ultimateCreditor:XPCD/408.42",
"/POSTED-BALANCE:ultimateCreditor:EFFECTIVE-DATE/2025-12-01",
"/POSTED-BALANCE:ultimateCreditor:TIMESTAMP/2025-12-01T08:13:00.934+00:00"
]
}
],
"acceptanceDateTime": "2025-12-01T08:12:59.934+0000",
"accountServicerReference": "LSG5335XXXXXXXX",
"originalTransactionReference": {
"amount": {
"instructedAmount": {
"amount": 60,
"currency": "SGD"
}
},
"requestedExecutionDate": "2025-12-01",
"paymentMethod": "BOOK",
"remittanceInformation": [
{
"remittanceInformationText": "/VXR/1000000XXXXXXXX~SI Transfer~XXXXXXXX RmtInf-~~~~~~~",
"remittanceSequenceNumber": "1"
}
],
"debtorAccount": {
"identification": {
"other": {
"identification": "00XXXXXXXX"
}
},
"currency": "SGD"
},
"debtorAgent": {
"financialInstitutionIdentification": {
"bic": "UNAVAILABLE"
},
"branchIdentification": {
"identification": "34701"
}
},
"creditorAgent": {
"financialInstitutionIdentification": {
"bic": "CHASSGSGXXX"
}
},
"creditorAccount": {
"identification": {
"other": {
"identification": "88XXXXXXXX"
}
},
"currency": "SGD"
},
"ultimateCreditor": {
"identification": {
"organisationIdentification": {
"other": [
{
"identification": "XXXXXXXX",
"schemeName": {
"proprietary": "virtualAccountIdentification"
}
}
]
}
}
},
"receiver": {
"identification": {
"organisationIdentification": {
"other": [
{
"identification": "10XXXXXXXX",
"schemeName": {
"proprietary": "ProgramID"
}
},
{
"identification": "PAYINTORECEIPT",
"schemeName": {
"proprietary": "TxnType"
}
}
]
}
}
}
}
}
]
}
}SG Wire
The following is an example notification for a PayInto Receipt SG Wire transaction.
Example notification: PayInto Receipt SG wire
Json
{
"groupHeader": {
"messageIdentification": "7a2e3395-33c4-4806-bb8e-6f280f11b7b5",
"creationDateTime": "2025-10-07T10:48:31.982+0000"
},
"originalGroupInformationAndStatus": {
"originalMessageIdentification": "5fd90347-6a83-473c-96ab-5d408e999a4",
"originalMessageNameIdentification": "API-PAYINTORECEIPT",
"originalNumberOfTransactions": 1
},
"originalPaymentInformationAndStatus": {
"originalPaymentInformationIdentification": "301490T47LCXXXXXXXX",
"transactionInformationAndStatus": [
{
"originalEndToEndIdentification": "T47LCXXXXXXXX",
"transactionStatus": "ACSC",
"statusReasonInformation": [
{
"additionalInformation": [
"/eventType/PaymentComplete",
"/POSTED-BALANCE:ultimateCreditor:ACCOUNT-TYPE/TRANSACTION",
"/POSTED-BALANCE:ultimateCreditor:VERSION/3",
"/POSTED-BALANCE:ultimateCreditor:ITBD/4622.05",
"/POSTED-BALANCE:ultimateCreditor:ITAV/4622.05",
"/POSTED-BALANCE:ultimateCreditor:XPCD/4622.05",
"/POSTED-BALANCE:ultimateCreditor:EFFECTIVE-DATE/2025-10-07",
"/POSTED-BALANCE:ultimateCreditor:TIMESTAMP/2025-10-07T10:48:31.687+00:00"
]
}
],
"acceptanceDateTime": "2025-10-07T10:48:30.621+0000",
"accountServicerReference": "T47LCXXXXXXXX",
"originalTransactionReference": {
"amount": {
"instructedAmount": {
"amount": 4228.5,
"currency": "SGD"
}
},
"requestedExecutionDate": "2025-10-07",
"paymentMethod": "BOOK",
"remittanceInformation": [
{
"remittanceInformationText": "/VXR/1000000XXXXXXXX/~/ROC/C2795XXXXXXXX INVEST~~~~~~~~",
"remittanceSequenceNumber": "1"
}
],
"debtorAccount": {
"identification": {
"other": {
"identification": "00XXXXXXXX"
}
},
"currency": "SGD"
},
"debtorAgent": {
"financialInstitutionIdentification": {
"bic": "UNAVAILABLE"
},
"branchIdentification": {
"identification": "34701"
}
},
"creditorAgent": {
"financialInstitutionIdentification": {
"bic": "CHASSGSGXXX"
}
},
"creditorAccount": {
"identification": {
"other": {
"identification": "88XXXXXXXX"
}
},
"currency": "SGD"
},
"ultimateCreditor": {
"identification": {
"organisationIdentification": {
"other": [
{
"identification": "XXXXXXXX",
"schemeName": {
"proprietary": "virtualAccountIdentification"
}
}
]
}
}
},
"receiver": {
"identification": {
"organisationIdentification": {
"other": [
{
"identification": "10XXXXXXXX",
"schemeName": {
"proprietary": "ProgramID"
}
},
{
"identification": "PAYINTORECEIPT",
"schemeName": {
"proprietary": "TxnType"
}
}
]
}
}
}
}
}
]
}
}SG RTP
The following is an example notification for a PayInto Receipt SG RTP transaction.
Example notification: PayInto Receipt SG RTP
Json
{
"groupHeader": {
"messageIdentification": "a2acaba6-7cd4-4a9d-a52a-1673dd9b08ce",
"creationDateTime": "2025-12-03T14:34:40.145+0000"
},
"originalGroupInformationAndStatus": {
"originalMessageIdentification": "101e5d13-1bd5-4225-a969-0a8921cba5f",
"originalMessageNameIdentification": "API-PAYINTORECEIPT",
"originalNumberOfTransactions": 1
},
"originalPaymentInformationAndStatus": {
"originalPaymentInformationIdentification": "908267FZPHXXXXXXXX",
"transactionInformationAndStatus": [
{
"originalEndToEndIdentification": "FZPHXXXXXXXX",
"transactionStatus": "ACSC",
"statusReasonInformation": [
{
"additionalInformation": [
"/eventType/PaymentComplete",
"/POSTED-BALANCE:ultimateCreditor:ACCOUNT-TYPE/TRANSACTION",
"/POSTED-BALANCE:ultimateCreditor:VERSION/1",
"/POSTED-BALANCE:ultimateCreditor:ITBD/500.0",
"/POSTED-BALANCE:ultimateCreditor:ITAV/500.0",
"/POSTED-BALANCE:ultimateCreditor:XPCD/500.0",
"/POSTED-BALANCE:ultimateCreditor:EFFECTIVE-DATE/2025-12-03",
"/POSTED-BALANCE:ultimateCreditor:TIMESTAMP/2025-12-03T14:34:40.023+00:00"
]
}
],
"acceptanceDateTime": "2025-12-03T14:34:39.352+0000",
"accountServicerReference": "FZPHXXXXXXXX",
"originalTransactionReference": {
"amount": {
"instructedAmount": {
"amount": 500,
"currency": "SGD"
}
},
"requestedExecutionDate": "2025-12-03",
"paymentMethod": "BOOK",
"remittanceInformation": [
{
"remittanceInformationText": "/VXR/1000000XXXXXXXX/XXXXXXXX Rm~tInf-Transfer",
"remittanceSequenceNumber": "1"
}
],
"debtorAccount": {
"identification": {
"other": {
"identification": "UNAVAILABLE"
}
},
"currency": "SGD"
},
"debtorAgent": {
"financialInstitutionIdentification": {
"bic": "UNAVAILABLE"
},
"branchIdentification": {
"identification": "/442159920"
}
},
"creditorAgent": {
"financialInstitutionIdentification": {
"bic": "CHASSGSGXXX"
}
},
"creditorAccount": {
"identification": {
"other": {
"identification": "88XXXXXXXX"
}
},
"currency": "SGD"
},
"ultimateCreditor": {
"identification": {
"organisationIdentification": {
"other": [
{
"identification": "XXXXXXXX",
"schemeName": {
"proprietary": "virtualAccountIdentification"
}
}
]
}
}
},
"receiver": {
"identification": {
"organisationIdentification": {
"other": [
{
"identification": "10XXXXXXXX",
"schemeName": {
"proprietary": "ProgramID"
}
},
{
"identification": "PAYINTORECEIPT",
"schemeName": {
"proprietary": "TxnType"
}
}
]
}
}
}
}
}
]
}
}Exceptions
The following table lists exceptions that can occur with PayInto Receipt transactions and actions that you can take.
| Exception | Wallet action | Your action | Counterparty impact |
|---|---|---|---|
| VTA is closed or has a credit posting restriction | Wallet rejects the PayInto Receipt transaction and posts a miscellaneous transaction to the default VTA the next day. | When you get a notification that the default VTA received funds, you can take appropriate action. | Inform the counterparty of the rejection and the subsequent action they should take. |
| Credit amount would push VTA balance above maximum balance limit | Wallet posts a "Completed with Exception" PayInto Receipt transaction to the default VTA with the following exception reason: "AM14 Transaction Amount exceeds balance limit on the Account." | When you get a notification that the default VTA received funds, you can take appropriate action. | Inform the counterparty of the exception and the subsequent action they should take. |
| Payment awaiting operational review | Wallet holds payment from processing and awaits J.P. Morgan Operational Payment Review. | No action. When Wallet processes the payment, you receive a notification. | No action. When Wallet processes the payment, send a notification to the counterparty. |
| PRN is not valid | Wallet could not find the VTA associated with the PRN and rejects the request. Wallet does not send you a notification. | Work with the counterparty to determine why they sent a payment to the invalid PRN. | Work with the counterparty to determine why they sent a payment to the invalid PRN. |
Credit reversal
After a counterparty sends a PayInto Receipt request, the counterparty can request a reversal of the transaction within a certain time frame if the payment rail they used allows it.
For more information, see Credit reversal.