Jp Morgan Wallet
Move funds between virtual accounts (Virtual-to-Virtual)
Overview
A Virtual-to-Virtual (V2V) transaction virtually transfers funds within a J.P. Morgan Wallet™ Demand Deposit Account (DDA), from one Virtual Transaction Account (VTA) to another.
Some examples of moving funds between VTAs are:
- From the Default (Reconciliation) VTA to another VTA in cases where payments are returned
- From a counterparty's VTA to a revenue VTA
- Between VTAs in cases of errors
For an overview of payment types in Wallet, see Payments.
Use cases
The following are examples of use cases where you might execute a V2V transaction:
Merchant services platform: Needs to allocate funds to pay its merchants. When a customer pays at one of its terminals, it transfers the funds to its "revenue VTA." It keeps a portion of the funds, and executes a V2V transaction to transfer the rest from the revenue VTA to the merchant's VTA. Finally, it pays out the funds to the merchant's DDA.
Video game company: Needs to allocate funds representing in-game currency for its players. When a player buys in-game currency, the company transfers the funds to its "revenue VTA." Then, it executes a V2V transaction to transfer the funds from the revenue VTA to the player's VTA.
Marketplace platform: Needs to allocate funds to pay its sellers. When a customer buys something, the platform transfers the funds to its "revenue VTA." It keeps a portion of the funds, and executes a V2V transaction to transfer the rest from the revenue VTA to the seller's VTA. Finally, it pays out the funds to the seller's DDA.
Key information
The following table describes important information about V2V transactions.
| Production endpoint | v3.x: Not supported | v2.x: https://apigateway.jpmorgan.com/tsapi/v2/jpmwallet/payments/batch |
|---|---|---|
| Client testing endpoint | v3.x: Not supported | v2.x: https://apigatewaycat.jpmorgan.com/tsapi/v2/jpmwallet/payments/batch |
| API reference | v3.x: N/A | v2.x: Initiate one or many PayIn, PayTo, PayInto or v2v transfers |
| Supported branches | All Wallet-supported J.P. Morgan Chase Bank branches (see Reference - Supported branches and their Business Identifier Codes) | |
| Supported currencies | All Wallet-supported currencies (see Reference - Supported account currencies by branch) | |
| Supported account types | Demand Deposit Account (DDA) | |
| Payment type | V2V | |
| Payment flows |
|
|
| Transaction limit | No limit | |
| Cut-off time | Virtual accounting is available 24x7 | |
| Settlement period | N/A | |
| Returns, recalls, and reversals | Not supported - send a V2V request to transfer funds back to original VTA | |
| Service level code | N/A | |
Prerequisites
We enable V2V transactions when we configure your Wallet program. For more information, ask your J.P. Morgan representative.
Reporting
V2V transactions appear on your daily TRANSACTION ACTIVITY reports.
The following table is an example of what a V2V transaction on a TRANSACTION ACTIVITY report might look like.
| CLIENT ID | 0001318690 |
|---|---|
| PROGRAM ID | 1000000003 |
| BUSINESS PROCESSING DATE | 3/10/2026 |
| BANK NAME | JPM New York |
| WALLET DDA NUMBER | XXXXXXXXXX |
| WALLET CURRENCY | USD |
| RECEIVED DATE | 3/10/2026 |
| REQUESTED VALUE DATE | 3/10/2026 |
| VALUE DATE | 3/10/2026 |
| CLIENT TXN ID | 2026031000312915 |
| TXN TYPE | V2V |
| DEBTOR ACCOUNT | XXXXXXXXXX |
| DEBTOR VIRTUAL ACCOUNT ID | SANGITA-VA-01 |
| DEBTOR AGENT | JPMORGAN CHASE BANK N.A. |
| DEBTOR AGENT ID | CHASUS33XXX |
| DEBIT AMOUNT | 0.01 |
| DEBIT CURRENCY | USD |
| CREDITOR ACCOUNT | XXXXXXXXXX |
| CREDITOR VIRTUAL ACCOUNT | SANGITA-VA-03 |
| CREDITOR AGENT | JPMORGAN CHASE BANK N.A. |
| CREDITOR AGENT ID | CHASUS33XXX |
| CREDIT AMOUNT | 0.01 |
| CREDIT CURRENCY | USD |
| STATUS | COMPLETED |
| PRN | XXXXXXXXXX |
| BATCH ID | V2V2026031000312915 |
| MATCHED REFERENCE ID | 2026031000312915 |
Notes
Note the following points about V2V transactions.
- You can view V2V transactions in Wallet reports and queries.
- You can only initiate one transaction per request.
- Both the debited VTA and the credited VTA must be held at the same branch, use the same currency, and be located in the same Wallet program.
- You must include both an ultimate debtor and an ultimate creditor in the request body because you must specify the VTA to debit and the VTA to credit.
Important parameters
The following sections list important parameters in the V2V 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.
| Parameter | Required / Optional | Description |
|---|---|---|
programId |
Required | Your Wallet program ID. |
transactionType |
Required | The type of the transaction. Set to V2V. |
Body parameters
Note the following important body parameters for V2V.
groupHeader
The groupHeader object contains information about the batch of transactions.
| Parameter | Required / Optional | Description |
|---|---|---|
creationDateTime |
Required | Date and time when the request 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 |
controlSum |
Optional | Sum of the transaction amounts in the request. |
messageIdentification |
Required | Unique request ID. Maximum 35 characters. |
numberOfTransactions |
Required | Total number of transactions in the request. Must be 1. |
The following code snippet is an example of the groupHeader object.
V2V: groupHeader
Json
{
"groupHeader": {
"messageIdentification": "G1750764132",
"creationDateTime": "2025-06-24T11:22:11.000+0000",
"numberOfTransactions": 1,
"controlSum": 50
}
}paymentInformation
The paymentInformation object contains parameters related to the payment.
| 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 BOOK. For more information about payment methods, see Payments - Payment methods. |
requestedExecutionDate |
Required | Date when the transaction should be executed in YYYY-MM-DD format. Must be either the date that you submit the request (T) or the previous day (T-1). |
The following code snippet is an example of the paymentInformation object.
V2V: paymentInformation
Json
{
"paymentInformation": {
"paymentInformationIdentification": "V2VG1750764132",
"numberOfTransactions": 1,
"controlSum": 50,
"paymentMethod": "BOOK",
"requestedExecutionDate": "2025-06-24"
}
}paymentInformation.debtorAccount
The paymentInformation.debtorAccount object contains information about the bank account of the debtor.
| Parameter | Required / Optional | Description |
|---|---|---|
identification.other.identification |
Required | ID of the Wallet DDA. The debited VTA and the credited VTA must be located in the same Wallet DDA. Maximum 34 characters. |
The following code snippet is an example of the paymentInformation.debtorAccount object.
V2V: paymentInformation.debtorAccount
Json
{
"paymentInformation": {
"debtorAccount": {
"identification": {
"other": {
"identification": "XXXXXXXXXX"
}
}
}
}
}paymentInformation.debtorAgent
The paymentInformation.debtorAgent object contains information about the debtor bank branch.
| Field | Required / Optional | Description |
|---|---|---|
financialInstitutionIdentification.bic |
Required | SWIFT BIC of the branch where the Wallet DDA is located. The debited VTA and the credited VTA must be located in the same branch. Maximum 11 characters. |
The following code snippet is an example of the paymentInformation.debtorAgent object.
V2V: paymentInformation.debtorAgent
Json
{
"paymentInformation": {
"debtorAgent": {
"financialInstitutionIdentification": {
"bic": "CHASUS33XXX"
}
}
}
}paymentInformation.creditTransferTransactionInformation
The paymentInformation.creditTransferTransactionInformation object contains information about the transaction such as the creditor, the ultimate debtor, and the ultimate creditor.
| Parameter | Required / Optional | Description |
|---|---|---|
amount.instructedAmount.amount |
Required | Amount of money to transfer between VTAs. Must be less than or equal to the amount currently in the ultimate debtor VTA. Maximum 18 digits with six decimal places. |
amount.instructedAmount.currency |
Required | Currency of the funds in the Wallet DDA. |
creditorAccount.identification.other.identification |
Conditionally required | ID of the Wallet DDA. The debited VTA and the credited VTA must be located in the same Wallet DDA. Maximum 34 characters. Required if creditorAccount is present. |
creditorAgent.financialInstitutionIdentification.bic |
Required | SWIFT BIC of the branch where the Wallet DDA is located. The debited VTA and the credited VTA must be located in the same branch. Maximum 11 characters. |
paymentIdentification.endToEndIdentification |
Required | Unique ID for tracing requests and responses for this transaction. Maximum 16 characters. |
ultimateCreditor.identification.organisationIdentification.other.identification |
Required | ID of the VTA to credit. |
ultimateCreditor.identification.organisationIdentification.other.schemeName.proprietary |
Required | Set to virtualAccountIdentification. |
ultimateDebtor.identification.organisationIdentification.other.identification |
Required | ID of the VTA to debit. |
ultimateDebtor.identification.organisationIdentification.other.schemeName.proprietary |
Required | Set to virtualAccountIdentification. |
The following code snippet is an example of the paymentInformation.creditTransferTransactionInformation object.
V2V: paymentInformation.creditTransferTransactionInformation
Json
{
"paymentInformation": {
"creditTransferTransactionInformation": [
{
"paymentIdentification": {
"endToEndIdentification": "G1750764132"
},
"amount": {
"instructedAmount": {
"amount": 50,
"currency": "USD"
}
},
"ultimateDebtor": {
"identification": {
"organisationIdentification": {
"other": [
{
"identification": "VAID00002",
"schemeName": {
"proprietary": "virtualAccountIdentification"
}
}
]
}
}
},
"creditorAgent": {
"financialInstitutionIdentification": {
"bic": "CHASUS33XXX"
}
},
"creditorAccount": {
"identification": {
"other": {
"identification": "XXXXXXXXXX"
}
}
},
"ultimateCreditor": {
"identification": {
"organisationIdentification": {
"other": [
{
"identification": "VTA-G1731681820",
"schemeName": {
"proprietary": "virtualAccountIdentification"
}
}
]
}
}
}
}
]
}
}Examples
Request with minimum required data
The following example shows a request with the minimum data required to execute a V2V transaction from one VTA to another.
V2V: Request with minimum required data
Json
{
"groupHeader": {
"messageIdentification": "G1750764132",
"creationDateTime": "2025-06-24T11:22:11.000+0000",
"numberOfTransactions": 1
},
"paymentInformation": {
"paymentInformationIdentification": "V2VG1750764132",
"paymentMethod": "BOOK",
"requestedExecutionDate": "2025-06-24",
"debtorAccount": {
"identification": {
"other": {
"identification": "XXXXXXXXXX"
}
}
},
"debtorAgent": {
"financialInstitutionIdentification": {
"bic": "CHASUS33XXX"
}
},
"creditTransferTransactionInformation": [
{
"paymentIdentification": {
"endToEndIdentification": "G1750764132"
},
"amount": {
"instructedAmount": {
"amount": 50,
"currency": "USD"
}
},
"ultimateDebtor": {
"identification": {
"organisationIdentification": {
"other": [
{
"identification": "VAID00002",
"schemeName": {
"proprietary": "virtualAccountIdentification"
}
}
]
}
}
},
"creditorAgent": {
"financialInstitutionIdentification": {
"bic": "CHASUS33XXX"
}
},
"ultimateCreditor": {
"identification": {
"organisationIdentification": {
"other": [
{
"identification": "VTA-G1731681820",
"schemeName": {
"proprietary": "virtualAccountIdentification"
}
}
]
}
}
}
}
]
}
}Request with optional data
The following example shows a request to execute a V2V transaction from one VTA to another with optional parameters.
V2V: Request with optional data
Json
{
"groupHeader": {
"messageIdentification": "G1750764132",
"creationDateTime": "2025-06-24T11:22:11.000+0000",
"numberOfTransactions": 1,
"controlSum": 50
},
"paymentInformation": {
"paymentInformationIdentification": "V2VG1750764132",
"numberOfTransactions": 1,
"controlSum": 50,
"paymentMethod": "BOOK",
"requestedExecutionDate": "2025-06-24",
"debtorAccount": {
"identification": {
"other": {
"identification": "XXXXXXXXXX"
}
}
},
"debtorAgent": {
"financialInstitutionIdentification": {
"bic": "CHASUS33XXX"
}
},
"creditTransferTransactionInformation": [
{
"paymentIdentification": {
"endToEndIdentification": "G1750764132"
},
"amount": {
"instructedAmount": {
"amount": 50,
"currency": "USD"
}
},
"ultimateDebtor": {
"identification": {
"organisationIdentification": {
"other": [
{
"identification": "VAID00002",
"schemeName": {
"proprietary": "virtualAccountIdentification"
}
}
]
}
}
},
"creditorAgent": {
"financialInstitutionIdentification": {
"bic": "CHASUS33XXX"
}
},
"creditorAccount": {
"identification": {
"other": {
"identification": "XXXXXXXXXX"
}
}
},
"ultimateCreditor": {
"identification": {
"organisationIdentification": {
"other": [
{
"identification": "VTA-G1731681820",
"schemeName": {
"proprietary": "virtualAccountIdentification"
}
}
]
}
}
}
}
]
}
}Response
The following is the synchronous response to the previous example request.
V2V: Response
Json
{
"groupHeader": {
"messageIdentification": "e79209a2-4809-465f-989d-1d227be6729f",
"creationDateTime": "2025-06-24T11:22:15.000+0000"
},
"originalGroupInformationAndStatus": {
"originalMessageIdentification": "G1750764132",
"originalMessageNameIdentification": "API-V2V",
"originalCreationDateTime": "2025-06-24T11:22:11.000+0000",
"originalNumberOfTransactions": 1,
"originalControlSum": 50,
"groupStatus": "ACTC",
"statusReasonInformation": [],
"numberOfTransactionsPerStatus": [
{
"detailedNumberOfTransactions": "1",
"detailedStatus": "ACTC",
"detailedControlSum": 50
}
]
},
"originalPaymentInformationAndStatus": {
"originalPaymentInformationIdentification": "V2VG1750764132",
"paymentInformationStatus": "ACTC",
"statusReasonInformation": [],
"numberOfTransactionsPerStatus": [
{
"detailedNumberOfTransactions": "1",
"detailedStatus": "ACTC",
"detailedControlSum": 50
}
],
"transactionInformationAndStatus": [
{
"originalEndToEndIdentification": "G1750764132",
"transactionStatus": "ACTC",
"statusReasonInformation": [],
"acceptanceDateTime": "2025-06-24T11:22:15.346+0000",
"accountServicerReference": "ed5d7f04-dfaa-4e96-8d5d-758439ad69b5",
"originalTransactionReference": {
"amount": {
"instructedAmount": {
"amount": 50,
"currency": "USD"
}
},
"requestedExecutionDate": "2025-06-24",
"paymentMethod": "BOOK",
"ultimateDebtor": {
"identification": {
"organisationIdentification": {
"other": [
{
"identification": "VAID00002",
"schemeName": {
"proprietary": "virtualAccountIdentification"
}
}
]
}
}
},
"debtorAccount": {
"identification": {
"other": {
"identification": "XXXXXXXXXX"
}
},
"currency": "USD",
"name": "WALLET DDA"
},
"debtorAgent": {
"financialInstitutionIdentification": {
"bic": "CHASUS33XXX"
}
},
"creditorAgent": {
"financialInstitutionIdentification": {
"bic": "CHASUS33XXX"
}
},
"creditorAccount": {
"identification": {
"other": {
"identification": "XXXXXXXXXX"
}
},
"currency": "USD"
},
"ultimateCreditor": {
"identification": {
"organisationIdentification": {
"other": [
{
"identification": "VTA-G1731681820",
"schemeName": {
"proprietary": "virtualAccountIdentification"
}
}
]
}
}
}
}
}
]
}
}Notification
The following is the asynchronous notification that Wallet sends after completing the previous example request.
V2V: Notification
Json
{
"groupHeader": {
"messageIdentification": "13a56e71-f2e3-46b4-876f-b59ba5ed9b57",
"creationDateTime": "2025-06-24T11:22:21.731+0000"
},
"originalGroupInformationAndStatus": {
"originalMessageIdentification": "G1750764132",
"originalMessageNameIdentification": "API-V2V",
"originalNumberOfTransactions": 1
},
"originalPaymentInformationAndStatus": {
"originalPaymentInformationIdentification": "V2VG1750764132",
"transactionInformationAndStatus": [
{
"originalEndToEndIdentification": "G1750764132",
"transactionStatus": "ACSC",
"statusReasonInformation": [
{
"additionalInformation": [
"/eventType/PaymentComplete",
"/POSTED-BALANCE:ultimateCreditor:ACCOUNT-TYPE/TRANSACTION",
"/POSTED-BALANCE:ultimateCreditor:VERSION/1",
"/POSTED-BALANCE:ultimateCreditor:ITBD/60.0",
"/POSTED-BALANCE:ultimateCreditor:ITAV/60.0",
"/POSTED-BALANCE:ultimateCreditor:XPCD/60.0",
"/POSTED-BALANCE:ultimateCreditor:EFFECTIVE-DATE/2025-06-24",
"/POSTED-BALANCE:ultimateCreditor:TIMESTAMP/2025-06-24T11:22:17.792+00:00",
"/POSTED-BALANCE:ultimateDebtor:ACCOUNT-TYPE/TRANSACTION",
"/POSTED-BALANCE:ultimateDebtor:VERSION/1",
"/POSTED-BALANCE:ultimateDebtor:ITBD/899532864.37420",
"/POSTED-BALANCE:ultimateDebtor:ITAV/897039147.92420",
"/POSTED-BALANCE:ultimateDebtor:XPCD/899532960.22420",
"/POSTED-BALANCE:ultimateDebtor:EFFECTIVE-DATE/2025-06-24",
"/POSTED-BALANCE:ultimateDebtor:TIMESTAMP/2025-06-24T11:22:17.792+00:00"
]
}
],
"acceptanceDateTime": "2025-06-24T11:22:16.194+0000",
"originalTransactionReference": {
"amount": {
"instructedAmount": {
"amount": 50,
"currency": "USD"
}
},
"requestedExecutionDate": "2025-06-24",
"paymentMethod": "BOOK",
"ultimateDebtor": {
"identification": {
"organisationIdentification": {
"other": [
{
"identification": "XXXXXXXXX",
"schemeName": {
"proprietary": "virtualAccountIdentification"
}
}
]
}
}
},
"debtorAccount": {
"identification": {
"other": {
"identification": "XXXXXXXXXX"
}
},
"currency": "USD"
},
"debtorAgent": {
"financialInstitutionIdentification": {
"bic": "XXXXXXXXXXX"
}
},
"creditorAgent": {
"financialInstitutionIdentification": {
"bic": "XXXXXXXXXXX"
}
},
"creditorAccount": {
"identification": {
"other": {
"identification": "XXXXXXXXXX"
}
},
"currency": "USD"
},
"ultimateCreditor": {
"identification": {
"organisationIdentification": {
"other": [
{
"identification": "XXXXXXXXXXXXXXX",
"schemeName": {
"proprietary": "virtualAccountIdentification"
}
}
]
}
}
}
}
}
]
}
}