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Jp Morgan Wallet

EU Wire: Send high-value funds

Overview

EU Wire PayOuts in J.P. Morgan Wallet™ allow you to initiate payments from your virtual accounts to external bank accounts through wire transfers.

EU Wire PayOuts are meant for high-value transactions and do not have an upper limit; for low-value transactions, use an alternative payment rail.

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

Use cases

You can use the EU Wire payment rail to transfer high-value funds in EUR between EU banks. For example:

  • Merchant services platform: Pay out a merchant's revenue to their EU bank account.
  • Video game company: Pay out a player's in-game currency to their EU bank account.
  • Marketplace platform: Pay out a seller's revenue to their EU bank account.

Key information

The following table describes important information about EU Wire.

Key information for EU Wire
Production endpoint

v3.x: https://apigateway.jpmorgan.com/tsapi/v3/jpmwallet/payments/advanced-batch


Use if you need to send funds from Japan or handle BGN currency.

v2.x: https://apigateway.jpmorgan.com/tsapi/v2/jpmwallet/payments/advanced-batch


Use if you don't require v3.
Client testing endpoint v3.x: https://apigatewaycat.jpmorgan.com/tsapi/v3/jpmwallet/payments/advanced-batch v2.x: https://apigatewaycat.jpmorgan.com/tsapi/v2/jpmwallet/payments/advanced-batch
API reference v3.x: Initiate one or many PayOuts v2.x: Initiate one or many PayOuts
Supported branches J.P. Morgan Chase Bank, Luxembourg and London branches (see Reference - Supported branches and their Business Identifier Codes)
Supported currencies EUR
Supported account types All (Demand Deposit Account - DDA and Customer Money Account - CMA)
Payment type
Payment flows
  • Domestic, same currency: EUR to EUR
  • Domestic, Foreign Exchange (FX): Not supported
  • Cross-border, same currency: EUR to EUR between EU countries
  • Cross-border, FX: Not supported
Transaction limit No default limit
Cut-off time 5:00pm local time on business days
Settlement period Same business day
Returns, recalls, and reversals Not supported
Service level code Set serviceLevel.code to URGP

Prerequisites

Before you can execute transactions using the EU Wire payment rail, you must configure your Wallet program for EU Wire. For more information, ask your J.P. Morgan representative.

Reporting

EU Wire transactions appear on your daily TRANSACTION ACTIVITY reports.

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

TRANSACTION ACTIVITY report example
CLIENT ID 0001318690
PROGRAM ID 1000000032
BUSINESS PROCESSING DATE 3/2/2026
BANK NAME JPM Luxembourg
WALLET DDA NUMBER XXXXXXXXXX
WALLET CURRENCY EUR
RECEIVED DATE 3/2/2026
REQUESTED VALUE DATE 3/2/2026
VALUE DATE 3/2/2026
CLIENT TXN ID SMOKE-Zfz64Guj4V
TXN TYPE PAYOUT
DEBTOR ACCOUNT XXXXXXXXXX
DEBTOR NAME EWALLET ORIGINATOR
DEBTOR AGENT J.P. MORGAN SE - LUXEMBOURG BRANCH
DEBTOR AGENT ID CHASLULXXXX
DEBIT AMOUNT 0.14
DEBIT CURRENCY EUR
CREDITOR ACCOUNT XXXXXXXXXX
CREDITOR NAME EWALLET RECEIVER
CREDITOR VIRTUAL ACCOUNT LUX-EUR-VTA-03
CREDITOR AGENT J.P. MORGAN SE - LUXEMBOURG BRANCH
CREDITOR AGENT ID CHASLULXXXX
CREDIT AMOUNT 0.14
CREDIT CURRENCY EUR
STATUS COMPLETED
SETTLEMENT METHOD Wire
PRN XXXXXXXXXX
REMITTANCE INFO B/O JPMORGAN CHASE BANK N.A. LONDON 1111 POLARIS PARKWAY DELAWARE COLUMBUS OH 43240 US PD /PSFX/CTR/10139255/RATE/1.2304 /CCY/GBP286.09/PVD/20231101 /REF/EURFTSBRIE820 /RETCD/E002 UNABLE TO EXECUTE PLEA
MATCHED REFERENCE ID SMOKE-Zfz64Guj4V
DDA NARRATIVE B/O JPMORGAN CHASE BANK N.A. LONDON 1111 POLARIS PARKWAY DELAWARE COLUMBUS OH 43240 US PD /PSFX/CTR/10139255/RATE/1.2304 /CCY/GBP286.09/PVD/20231101 /REF/EURFTSBRIE820 /RETCD/E002 UNABLE TO EXECUTE PLEA

Important parameters

The following sections list important parameters in the EU Wire PayOut 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 EU Wire PayOut requests
Parameter                                 Required / Optional Description
programId Required Your Wallet program ID.
transactionType Required The type of transaction. Set to PAYOUT if you are transferring funds to an external DDA.

Body parameters

Note the following important body parameters for EU Wire transactions.

groupHeader

The groupHeader object contains information about the batch of transactions.

EU Wire PayOut: groupHeader
Parameter Required / Optional Description
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.name Conditionally required Name of the initiating party (you). Maximum 35 characters. At least one parameter in initiatingParty is required.
messageIdentification Required Unique ID of the batch of transactions. Maximum 35 characters.

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

EU WIRE: groupHeader
Json
{
    "groupHeader": {
        "messageIdentification": "08132f02-cf47-4272-8888-85312f5d98a2",
        "creationDateTime": "2024-06-13T17:57:40.034+0000",
        "initiatingParty": {
            "name": "JPM Client Name"
        }
    }
}

paymentInformation

The paymentInformation object contains parameters related to the payment.

EU Wire PayOut: 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 1-500.
paymentInformationIdentification Required Unique ID of the payment. Maximum 35 characters.
paymentMethod Required Set to TRF. For more information, see Payments - Payment methods.
paymentTypeInformation.instructionPriority Optional Priority of the request. Must be one of the following:
  • HIGH: High priority.
  • NORM: Normal priority.
paymentTypeInformation.serviceLevel.code Conditionally required For same-currency Wire PayOuts, set to URGP. For more information, see Payments - Service level codes.
requestedExecutionDate Required Date when the transaction should be executed in YYYY-MM-DD format. Can be up to seven business days in the past (T-7) or 90 business days in the future (T+90). For more information on this field, see Payments - Requested execution date.

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

EU WIRE: paymentInformation
Json
{
    "paymentInformation": {
        "paymentInformationIdentification": "DUBWIRE868420",
        "numberOfTransactions": 1,
        "controlSum": 4.21,
        "paymentMethod": "TRF",
        "paymentTypeInformation": {
            "instructionPriority": "HIGH",
            "serviceLevel": {
                "code": "URGP"
            }
        },
        "requestedExecutionDate": "2024-01-04"
    }
}

paymentInformation.debtor

The paymentInformation.debtor object contains information about the individual or business that represents the debtor.

EU Wire PayOut: paymentInformation.debtor
Parameter Required / Optional Description
name Conditionally required Name of the debtor. Maximum 140 characters. At least one parameter in paymentInformation.debtor is required.
postalAddress Conditionally required Postal address of the debtor. Must be in the EU. At least one parameter in paymentInformation.debtor is required.

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

EU WIRE: paymentInformation.debtor
Json
{
    "paymentInformation": {
        "debtor": {
            "name": "JPM Client Name",
            "postalAddress": {
                "addressType": "ADDR",
                "streetName": "Anywhere St",
                "buildingNumber": "1605",
                "postCode": "012345",
                "townName": "Dublin",
                "country": "IE"
            }
        }
    }
}

paymentInformation.debtorAccount

The paymentInformation.debtorAccount object contains information about the bank account of the debtor.

EU Wire PayOut: paymentInformation.debtorAccount
Parameter Required / Optional Description
currency Optional Currency of the funds in the debtor account. Must be EUR.
identification.other.identification Conditionally required ID corresponding to paymentInformation.debtorAccount.identification.other.schemeName. Maximum 35 characters. Either identification.IBAN or identification.other is required.

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

EU WIRE: paymentInformation.debtorAccount
Json
{
    "paymentInformation": {
        "debtorAccount": {
            "identification": {
                "other": {
                    "identification": "XXXXXXXXXX"
                }
            },
            "currency": "EUR"
        }
    }
}

paymentInformation.debtorAgent

The paymentInformation.debtorAgent object contains information about the bank where the debtor account is located.

EU Wire PayOut: paymentInformation.debtorAgent
Parameter Required / Optional Description
financialInstitutionIdentification.bic Conditionally required SWIFT BIC of the debtor bank branch. Maximum 11 characters. Either this parameter or financialInstitutionIdentification.clearingSystemMemberIdentification is required. If your Wallet DDA is the debtor account, this parameter must be the BIC of the J.P. Morgan Chase London or Luxembourg branch. For more information, see Reference - Supported branches and their BICs.
financialInstitutionIdentification.clearingSystemMemberIdentification.clearingSystemIdentification.code Conditionally required Clearing system identification code that corresponds to the clearing system for the country that the debtor account is located in. Either the BIC (financialInstitutionIdentification.bic) or the routing number (financialInstitutionIdentification.clearingSystemMemberIdentification.memberIdentification) is required. If you provide the routing number, this parameter is required. For more information, see Payments - Clearing system identification codes.
financialInstitutionIdentification.clearingSystemMemberIdentification.memberIdentification Conditionally required Routing number of the debtor bank branch. Either the BIC (financialInstitutionIdentification.bic) or the routing number (this parameter) is required. If you provide the routing number, financialInstitutionIdentification.clearingSystemMemberIdentification.clearingSystemIdentification.code is also required.

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

EU WIRE: paymentInformation.debtorAgent
Json
{
    "paymentInformation": {
        "debtorAgent": {
            "financialInstitutionIdentification": {
                "bic": "CHASIE4LXXX"
            }
        }
    }
}

paymentInformation.creditTransferTransactionInformation

The paymentInformation.creditTransferTransactionInformation object contains information about the transaction such as the creditor, the ultimate debtor, and the ultimate creditor.

EU Wire PayOut: paymentInformation.creditTransferTransactionInformation
Parameter Required / Optional Description
amount.instructedAmount.amount Conditionally required Amount of funds to be transferred from the debtor to the creditor, in the currency of the debtor account. Maximum 18 digits with six decimal places. Either amount.instructedAmount or amount.equivalentAmount is required. This parameter is required if amount.instructedAmount is present.
amount.instructedAmount.currency Conditionally required Currency of the funds in the debtor account. Must be EUR. Either amount.instructedAmount or amount.equivalentAmount is required. This parameter is required if amount.instructedAmount is present.
chargeBearer Optional Party who is responsible for paying transaction fees. Must be one of the following:
  • CRED: Creditor is the charge bearer.
  • DEBT: Debtor is the charge bearer.
  • SHAR: Creditor and debtor are both charge bearers.
  • SLEV: Charges follow the service level (the payment service provider determines how charges are applied based on the specific service agreement).
creditor.name Optional Name of the creditor. Maximum 140 characters.
creditor.postalAddress Optional Postal address of the creditor. Must be in the EU.
creditorAccount.currency Optional Currency of the funds in the creditor account. Must be EUR.
creditorAccount.identification.other.identification Conditionally required Account number of the creditor account. Maximum 35 characters. Either this or creditorAccount.identification.IBAN is required.
creditorAgent.financialInstitutionIdentification.bic Conditionally required SWIFT BIC of the creditor bank. Either this parameter or creditorAgent.financialInstitutionIdentification.clearingSystemMemberIdentification is required. Maximum 11 characters. If your Wallet DDA is the creditor account, this must be the BIC of the J.P. Morgan Chase Bank, Luxembourg or London branch. For more information, see Reference - Supported branches and their BICs.
creditorAgent.financialInstitutionIdentification.clearingSystemMemberIdentification.clearingSystemIdentification.proprietary Conditionally required String corresponding with creditorAgent.financialInstitutionIdentification.clearingSystemMemberIdentification.memberIdentification. Either creditorAgent.financialInstitutionIdentification.clearingSystemMemberIdentification or creditorAgent.financialInstitutionIdentification.bic is required. If you provide the creditor bank's routing number in creditorAgent.financialInstitutionIdentification.clearingSystemMemberIdentification.memberIdentification, set this parameter to EUR ROUTING. Must be 1-35 characters.
creditorAgent.financialInstitutionIdentification.name Optional Name of the creditor bank branch. Maximum 140 characters.
creditorAgent.financialInstitutionIdentification.postalAddress Optional Postal address of the creditor bank branch. Must be in the EU.
paymentIdentification.endToEndIdentification Required Unique ID for tracing requests and responses for this transaction. Maximum 16 characters.
remittanceInformation.unstructured Optional Array of strings of remittance information. Each string must be a maximum of 140 characters.
ultimateDebtor.identification.organisationIdentification.other.identification Conditionally required ID of the ultimate debtor VTA. Required if you include the ultimateDebtor parameter.
ultimateDebtor.identification.organisationIdentification.other.schemeName.proprietary Conditionally required Set to virtualAccountIdentification. Required if you include the ultimateDebtor parameter.

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

EU WIRE: paymentInformation.creditTransferTransactionInformation
Json
{
    "paymentInformation": {
        "creditTransferTransactionInformation": [
            {
                "paymentIdentification": {
                    "endToEndIdentification": "DUBWIRE941555ME"
                },
                "amount": {
                    "instructedAmount": {
                        "amount": 4.21,
                        "currency": "EUR"
                    }
                },
                "chargeBearer": "DEBT",
                "remittanceInformation": {
                    "unstructured": [
                        "Remittance text 123456"
                    ]
                },
                "creditorAgent": {
                    "financialInstitutionIdentification": {
                        "bic": "CHASIE4LXXX",
                        "clearingSystemMemberIdentification": {
                            "clearingSystemIdentification": {
                                "proprietary": "EUR ROUTING"
                            },
                            "memberIdentification": "XXXXXXXXXX"
                        },
                        "name": "Creditor name",
                        "postalAddress": {
                            "addressType": "ADDR",
                            "streetName": "BriarwoodCt",
                            "buildingNumber": "111",
                            "postCode": "19460",
                            "townName": "IE TOWN",
                            "country": "IE"
                        }
                    }
                },
                "creditor": {
                    "name": "Name Creditor",
                    "postalAddress": {
                        "streetName": "streetName",
                        "buildingNumber": "buildingNumber",
                        "postCode": "PostalCode",
                        "townName": "townName",
                        "country": "IE"
                    }
                },
                "creditorAccount": {
                    "identification": {
                        "other": {
                            "identification": "XXXXXXXXXX"
                        }
                    },
                    "currency": "EUR"
                }
            }
        ]
    }
}

Examples

Request with minimum required data (non-TP3)

The following example shows the minimum data required to execute a PayOut transaction using the EU Wire payment rail.

EU WIRE: Request with minimum required data
Json
{
    "groupHeader": {
        "messageIdentification": "DUBWIRE458962",
        "creationDateTime": "2022-02-26T07:05:31.000+00:00",
        "numberOfTransactions": 1,
        "controlSum": 4.21,
        "initiatingParty": {
            "name": "JPM Client Name"
        }
    },
    "paymentInformation": {
        "paymentInformationIdentification": "DUBWIRE868420",
        "paymentMethod": "TRF",
        "paymentTypeInformation": {
            "serviceLevel": {
                "code": "URGP"
            }
        },
        "requestedExecutionDate": "2024-01-04",
        "debtor": {
            "name": "JPM Client Name"
        },
        "debtorAccount": {
            "identification": {
                "other": {
                    "identification": "XXXXXXXXXX"
                }
            }
        },
        "debtorAgent": {
            "financialInstitutionIdentification": {
                "bic": "CHASIE4LXXX"
            }
        },
        "creditTransferTransactionInformation": [
            {
                "paymentIdentification": {
                    "endToEndIdentification": "DUBWIRE941555ME"
                },
                "amount": {
                    "instructedAmount": {
                        "amount": 4.21,
                        "currency": "EUR"
                    }
                },
                "creditorAgent": {
                    "financialInstitutionIdentification": {
                        "bic": "CHASIE4LXXX"
                    }
                },
                "creditorAccount": {
                    "identification": {
                        "other": {
                            "identification": "XXXXXXXXXX"
                        }
                    }
                }
            }
        ]
    }
}

Request with optional data

The following example shows an EU Wire PayOut request with optional data.

EU WIRE: Request with optional data
Json
{
    "groupHeader": {
        "messageIdentification": "DUBWIRE458962",
        "creationDateTime": "2022-02-26T07:05:31.000+00:00",
        "numberOfTransactions": 1,
        "controlSum": 4.21,
        "initiatingParty": {
            "name": "JPM Client Name"
        }
    },
    "paymentInformation": {
        "paymentInformationIdentification": "DUBWIRE868420",
        "numberOfTransactions": 1,
        "controlSum": 4.21,
        "paymentMethod": "TRF",
        "paymentTypeInformation": {
            "instructionPriority": "HIGH",
            "serviceLevel": {
                "code": "URGP"
            }
        },
        "requestedExecutionDate": "2024-01-04",
        "debtor": {
            "name": "JPM Client Name",
            "postalAddress": {
                "addressType": "ADDR",
                "streetName": "Anywhere St",
                "buildingNumber": "1605",
                "postCode": "012345",
                "townName": "Dublin",
                "country": "IE"
            }
        },
        "debtorAccount": {
            "identification": {
                "other": {
                    "identification": "XXXXXXXXXX"
                }
            },
            "currency": "EUR"
        },
        "debtorAgent": {
            "financialInstitutionIdentification": {
                "bic": "CHASIE4LXXX"
            }
        },
        "creditTransferTransactionInformation": [
            {
                "paymentIdentification": {
                    "endToEndIdentification": "DUBWIRE941555ME"
                },
                "amount": {
                    "instructedAmount": {
                        "amount": 4.21,
                        "currency": "EUR"
                    }
                },
                "chargeBearer": "DEBT",
                "remittanceInformation": {
                    "unstructured": [
                        "Remittance text 123456"
                    ]
                },
                "ultimateDebtor": {
                    "name": "Ultimate Debtor Name",
                    "postalAddress": {
                        "addressType": "ADDR",
                        "streetName": "Ulimate Debtor",
                        "buildingNumber": "10420",
                        "postCode": "33611",
                        "townName": "DUB",
                        "countrySubDivision": "DUBProvince",
                        "country": "IE"
                    },
                    "identification": {
                        "organisationIdentification": {
                            "other": [
                                {
                                    "identification": "EVTAEUR1",
                                    "schemeName": {
                                        "proprietary": "virtualAccountIdentification"
                                    }
                                }
                            ]
                        }
                    }
                },
                "creditorAgent": {
                    "financialInstitutionIdentification": {
                        "bic": "CHASIE4LXXX",
                        "clearingSystemMemberIdentification": {
                            "clearingSystemIdentification": {
                                "proprietary": "EUR ROUTING"
                            },
                            "memberIdentification": "XXXXXXXXXX"
                        },
                        "name": "Creditor name",
                        "postalAddress": {
                            "addressType": "ADDR",
                            "streetName": "BriarwoodCt",
                            "buildingNumber": "111",
                            "postCode": "19460",
                            "townName": "IE TOWN",
                            "country": "IE"
                        }
                    }
                },
                "creditor": {
                    "name": "Name Creditor",
                    "postalAddress": {
                        "streetName": "streetName",
                        "buildingNumber": "buildingNumber",
                        "postCode": "PostalCode",
                        "townName": "townName",
                        "country": "IE"
                    }
                },
                "creditorAccount": {
                    "identification": {
                        "other": {
                            "identification": "XXXXXXXXXX"
                        }
                    },
                    "currency": "EUR"
                }
            }
        ]
    }
}

Notification

The following is an example of an asynchronous notification that Wallet sends after executing the previous request.

EU WIRE: Notification
Json
{
    "groupHeader": {
        "messageIdentification": "08132f02-cf47-4272-8888-85312f5d98a2",
        "creationDateTime": "2024-06-13T17:57:40.034+0000",
        "initiatingParty": {
            "name": "JPM Client Name"
        }
    },
    "originalGroupInformationAndStatus": {
        "originalMessageIdentification": "DUBWIRE458962",
        "originalMessageNameIdentification": "API-PAYOUT",
        "originalNumberOfTransactions": 1
    },
    "originalPaymentInformationAndStatus": {
        "originalPaymentInformationIdentification": "DUBWIRE868420",
        "transactionInformationAndStatus": [
            {
                "originalEndToEndIdentification": "DUBWIRE941555ME",
                "transactionStatus": "ACSC",
                "statusReasonInformation": [
                    {
                        "additionalInformation": [
                            "/eventType/PaymentComplete",
                            "/POSTED-BALANCE:ultimateDebtor:ACCOUNT-TYPE/TRANSACTION",
                            "/POSTED-BALANCE:ultimateDebtor:VERSION/33",
                            "/POSTED-BALANCE:ultimateDebtor:ITBD/2353.64",
                            "/POSTED-BALANCE:ultimateDebtor:ITAV/979.56",
                            "/POSTED-BALANCE:ultimateDebtor:XPCD/2353.64",
                            "/POSTED-BALANCE:ultimateDebtor:EFFECTIVE-DATE/2024-01-04",
                            "/POSTED-BALANCE:ultimateDebtor:TIMESTAMP/2024-06-13T15:08:45.820+00:00"
                        ]
                    }
                ],
                "acceptanceDateTime": "2024-06-07T17:45:02.237+0000",
                "accountServicerReference": "5658510   96348",
                "originalTransactionReference": {
                    "amount": {
                        "instructedAmount": {
                            "amount": 4.21,
                            "currency": "EUR"
                        }
                    },
                    "requestedExecutionDate": "2024-01-04",
                    "paymentMethod": "TRF",
                    "remittanceInformation": [
                        {
                            "remittanceInformationText": "Remittance text 123456",
                            "remittanceSequenceNumber": "1"
                        }
                    ],
                    "ultimateDebtor": {
                        "name": "XXXXXXXXXXXXXXXXXXXX",
                        "postalAddress": {
                            "streetName": "XXXXXXXXXXXXXX",
                            "buildingNumber": "XXXXX",
                            "postCode": "33611",
                            "townName": "DUB",
                            "countrySubDivision": "DUBProvince",
                            "country": "IE"
                        },
                        "identification": {
                            "organisationIdentification": {
                                "other": [
                                    {
                                        "identification": "XXXXXXXX",
                                        "schemeName": {
                                            "proprietary": "virtualAccountIdentification"
                                        }
                                    }
                                ]
                            }
                        }
                    },
                    "debtorAccount": {
                        "identification": {
                            "other": {
                                "identification": "XXXXXXXXXX"
                            }
                        },
                        "currency": "EUR"
                    },
                    "debtorAgent": {
                        "financialInstitutionIdentification": {
                            "bic": "XXXXXXXXXXX"
                        }
                    },
                    "creditorAgent": {
                        "financialInstitutionIdentification": {
                            "bic": "XXXXXXXXXXX",
                            "clearingSystemMemberIdentification": {
                                "clearingSystemIdentification": {
                                    "proprietary": "EUR ROUTING"
                                },
                                "memberIdentification": "XXXXXXXXXX"
                            },
                            "name": "XXXXXXXXXXXXX",
                            "postalAddress": {
                                "streetName": "XXXXXXXXXXX",
                                "buildingNumber": "XXX",
                                "postCode": "19460",
                                "townName": "IE TOWN",
                                "country": "IE"
                            }
                        }
                    },
                    "creditorAccount": {
                        "identification": {
                            "other": {
                                "identification": "XXXXXXXXXX"
                            }
                        },
                        "currency": "EUR"
                    },
                    "receiver": {
                        "name": "XXXXXXXXXXXXX",
                        "postalAddress": {
                            "streetName": "XXXXXXXXXX",
                            "buildingNumber": "XXXXXXXXXXXXXX",
                            "postCode": "PostalCode",
                            "townName": "townName",
                            "country": "IE"
                        }
                    }
                }
            }
        ]
    }
}

FX PayOuts

An EU Wire Foreign Exchange (FX) PayOut enables you to transfer EUR from a DDA in the EU to a recipient outside the EU, converting the funds to a currency supported in their country.

For Wire FX transactions, you must set serviceLevel.proprietary to URGPFX.

For more information about Wire FX PayOuts, see Wire FX: Send high-value funds in a different currency.

The following example request initiates an EU Wire FX transaction, converting funds from EUR to AUD.

EU WIRE FX: Request
Json
{
    "groupHeader": {
        "messageIdentification": "X20240614010327",
        "creationDateTime": "2024-06-14T13:03:27-04:00",
        "numberOfTransactions": 1,
        "controlSum": 0.05,
        "initiatingParty": {
            "name": "JPMC Client Name"
        }
    },
    "paymentInformation": {
        "paymentInformationIdentification": "X20240614010327",
        "numberOfTransactions": 1,
        "controlSum": 0.05,
        "paymentMethod": "TRF",
        "paymentTypeInformation": {
            "instructionPriority": "HIGH",
            "serviceLevel": {
                "proprietary": "URGPFX"
            }
        },
        "requestedExecutionDate": "2024-06-14",
        "debtor": {
            "name": "JPMC bank",
            "postalAddress": {
                "country": "LU"
            }
        },
        "debtorAccount": {
            "name": "JPMC Client Name",
            "identification": {
                "other": {
                    "identification": "XXXXXXXXXX"
                }
            },
            "currency": "EUR"
        },
        "debtorAgent": {
            "financialInstitutionIdentification": {
                "bic": "CHASLULXXXX",
                "postalAddress": {
                    "country": "LU"
                }
            }
        },
        "creditTransferTransactionInformation": [
            {
                "paymentIdentification": {
                    "instructionIdentification": "X20240614010327",
                    "endToEndIdentification": "X20240614010327"
                },
                "amount": {
                    "equivalentAmount": {
                        "amount": 0.05,
                        "currency": "EUR",
                        "currencyOfTransfer": "AUD"
                    }
                },
                "exchangeRateInformation": {
                    "contractIdentification": "RF946D8E7FD7F430927C5DA02BFA26"
                },
                "ultimateDebtor": {
                    "name": "JPMC bank",
                    "identification": {
                        "organisationIdentification": {
                            "other": [
                                {
                                    "identification": "VAID00002",
                                    "schemeName": {
                                        "proprietary": "virtualAccountIdentification"
                                    }
                                }
                            ]
                        }
                    }
                },
                "creditorAgent": {
                    "financialInstitutionIdentification": {
                        "bic": "CHASAU2XXXX",
                        "clearingSystemMemberIdentification": {
                            "clearingSystemIdentification": {
                                "proprietary": "AUD ROUTING"
                            },
                            "memberIdentification": "212-200"
                        },
                        "name": "Europe Agent",
                        "postalAddress": {
                            "addressType": "ADDR",
                            "streetName": "BriarwoodCt",
                            "buildingNumber": "111",
                            "postCode": "19460",
                            "townName": "Phoenixville",
                            "country": "AU",
                            "addressLine": [
                                "4901 Memorial Pkwy"
                            ]
                        }
                    }
                },
                "creditor": {
                    "name": "JPMC bank",
                    "postalAddress": {
                        "addressType": "ADDR",
                        "streetName": "BriarwoodCt",
                        "buildingNumber": "111",
                        "postCode": "19460",
                        "townName": "Phoenixville",
                        "country": "AU",
                        "addressLine": [
                            "4901 Memorial Pkwy"
                        ]
                    }
                },
                "creditorAccount": {
                    "identification": {
                        "other": {
                            "identification": "XXXXXXXXXX"
                        }
                    },
                    "currency": "AUD"
                },
                "purpose": {
                    "code": "SALA"
                },
                "remittanceInformation": {
                    "unstructured": [
                        "TRANSFER CREDIT B/O: PUBLIC BANK BERHAD"
                    ]
                }
            }
        ]
    }
}

TP3 PayOuts

This section explains the requirements for Third Party Payment Processor (TP3) transactions using the EU wire payment rail. For more information about TP3 transactions, see Pay on behalf of a third party.

Flows

Wallet supports the following flows for TP3 EU wire transactions:

  • London / EUR to EUR
  • Luxembourg / EUR to EUR

Requirements

The following fields in the paymentInformation.creditTransferTransactionInformation object have specific requirements for TP3 EU wire transactions.

paymentInformation.creditTransferTransactionInformation object requirements for TP3 EU wire
Field Required / Optional Requirements
ultimateDebtor.name Required Maximum 35 characters.
ultimateDebtor.postalAddress.addressLine Optional Maximum 70 characters.
ultimateDebtor.postalAddress.buildingNumber Optional Maximum 16 characters.
ultimateDebtor.postalAddress.country Required Two-character ISO 3166 country code.
ultimateDebtor.postalAddress.countrySubDivision Optional Maximum 23 characters.
ultimateDebtor.postalAddress.postCode Required Maximum 10 characters.
ultimateDebtor.postalAddress.streetName Required Maximum 35 characters.
ultimateDebtor.postalAddress.townName Required Maximum 35 characters.

Example

The following is an example of the ultimateDebtor object in a TP3 EU wire request.

Example: TP3 EU wire domestic
Json
"ultimateDebtor": {
    "name": "JPMC in London 1234 JPMC in Lon35ch",
    "postalAddress": {
        "streetName": "456 Street Name",
        "postCode": "12345",
        "townName": "Paris",
        "country": "FR"            
    },
...