Jp Morgan Wallet

UK BACS: Send low-value funds

Overview

Bankers' Automated Clearing System (BACS) is a payment system in the UK that faciliatates electronic bank-to-bank transfers. It is commonly used for Direct Debits and Direct Credits, allowing organizations to collect payments or deposit funds directly into bank accounts.

With J.P. Morgan Wallet™, you can execute PayOut and PayInto Collection transactions using BACS to transfer low-value funds between UK banks. Transactions settle in three business days.

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

Use cases

You can use the UK BACS payment rail to transfer low-value funds in GBP between UK banks. For example:

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

Key information

The following table describes important information about UK BACS.

Key information for UK BACS
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, London branch (see Reference - Supported branches and their Business Identifier Codes)
Supported currencies	GBP
Supported account types	All (Demand Deposit Account - DDA and Customer Money Account - CMA)
Payment type	PayIn PayInto PayInto Collection PayInto Receipt PayOut PayOut Collection
Payment flows	Domestic, same currency: GBP to GBP Domestic, Foreign Exchange (FX): Not supported Cross-border, same currency: Not supported Cross-border, FX: Not supported
Transaction limit	£20,000,000
Cut-off time	7:00pm GMT on business days
Settlement period	Three business days
Returns, recalls, and reversals	Not supported
Service level code	Set `serviceLevel.code` to `NURG`

Prerequisites

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

Reporting

UK BACS transactions appear on your daily TRANSACTION ACTIVITY reports.

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

TRANSACTION ACTIVITY report example
CLIENT ID	0186125263
PROGRAM ID	1000000006
BUSINESS PROCESSING DATE	3/4/2026
BANK NAME	JPM London
WALLET DDA NUMBER	XXXXXXXXXX
WALLET CURRENCY	GBP
RECEIVED DATE	3/4/2026
REQUESTED VALUE DATE	3/4/2026
VALUE DATE	3/4/2026
CLIENT TXN ID	SMOKE040020523
TXN TYPE	PAYOUT
DEBTOR ACCOUNT	XXXXXXXXXX
DEBTOR NAME	EWALLET ORIGINATOR
DEBTOR VIRTUAL ACCOUNT ID	VAID-smoke01
DEBTOR AGENT	JPMORGAN CHASE BANK N.A.
DEBTOR AGENT ID	CHASGB2LXXX
DEBIT AMOUNT	0.01
DEBIT CURRENCY	GBP
CREDITOR ACCOUNT	XXXXXXXXXX
CREDITOR NAME	JPMC LONDON BANK
CREDITOR AGENT	JPMC LONDON BANK
CREDITOR AGENT ID	GBDSC 404611
CREDIT AMOUNT	0.01
CREDIT CURRENCY	GBP
STATUS	PENDING
SETTLEMENT METHOD	ACH
PRN	XXXXXXXXXX
REMITTANCE INFO	Remittance text
BATCH ID	SMOKE040020523
MATCHED REFERENCE ID	SMOKE040020523
DDA NARRATIVE	Remittance text

Important parameters

The following sections list important parameters in the UK BACS 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 UK BACS PayOut
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 parameters for UK BACS transactions.

groupHeader

The groupHeader object contains information about the batch of transactions.

groupHeader object in UK BACS request
Parameter	Required / Optional	Description
`controlSum`	Optional	Sum of the transaction amounts in the batch.
`creationDateTime`	Required	Date and time when the batch was created. Must be in local time with the time zone offset to UTC in the following format: `YYYY-MM-DDThh:mm:ss±hh:mm`
`initiatingParty.identification.organisationIdentification.bicOrBei`	Conditionally required	SWIFT BIC of the bank branch where your Wallet DDA is located. Maximum 11 characters. At least one parameter in `initiatingParty` is required.
`initiatingParty.name`	Conditionally required	Name of the initiating party (you). Maximum 140 characters. At least one parameter in `initiatingParty` is required.
`messageIdentification`	Required	Unique ID of the batch of transactions. Maximum 35 characters.
`numberOfTransactions`	Required	Total number of transactions in the batch. Must be 1-500.

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

UK BACS: groupHeader

Json

{
    "groupHeader": {
        "messageIdentification": "N77064037205",
        "creationDateTime": "2023-08-21T13:38:18.000+00:00",
        "numberOfTransactions": 1,
        "controlSum": 5.00,
        "initiatingParty": {
            "name": "JPMC Client Name"
        }
    }
}

paymentInformation

The paymentInformation object contains parameters related to the payment.

paymentInformation object in UK BACS request
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 about payment methods, see Payments - Payment methods.
`paymentTypeInformation.instructionPriority`	Optional	Priority of the request. Set to one of the following: `HIGH`: High priority. `NORM`: Normal priority.
`paymentTypeInformation.serviceLevel.code`	Conditionally required	For same-currency UK BACS PayOuts, set to `NURG`. For more information about service level codes, 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).

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

UK BACS: paymentInformation

Json

{
    "paymentInformation": {
        "paymentInformationIdentification": "UK_GBPtoGBPN77064037205",
        "numberOfTransactions": 1,
        "controlSum": 5.00,
        "paymentMethod": "TRF",
        "requestedExecutionDate": "2023-08-21",
        "paymentTypeInformation": {
            "instructionPriority": "HIGH",
            "serviceLevel": {
                "code": "NURG"
            }
        }
    }
}

paymentInformation.debtor

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

paymentInformation.debtor object in UK BACS request
Parameter	Required / Optional	Description
`identification.organisationIdentification.bicOrBei`	Conditionally required	If you are a financial institution, provide your BIC here. Maximum 11 characters.
`identification.organisationIdentification.other.identification`	Required	Your Company ID. We assign this to you when we set up your Wallet program. If you are a financial institution, add another item in the `identification.organisationIdentification.other` array and set this field to `BANK`.
`identification.organisationIdentification.other.schemeName.proprietary`	Conditionally required	If you set `identification.organisationIdentification.other.identification` to your Company ID, set this to `JPMCOID`. If you set `identification.organisationIdentification.other.identification` to `BANK`, do not include this field.
`name`	Required	Name of the debtor (you). Maximum 140 characters.
`postalAddress`	Required	Postal address of the debtor. Must be in the UK.

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

UK BACS: paymentInformation.debtor

Json

{
    "paymentInformation": {
        "debtor": { 
            "name": "JPMC bank", 
            "postalAddress": { 
                "country": "GB"
            }
        }
    }
}

paymentInformation.debtorAccount

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

paymentInformation.debtorAccount object in UK BACS request
Parameter	Required / Optional	Description
`currency`	Optional	Currency of the funds in the debtor account. Must be `GBP`.
`identification.IBAN`	Conditionally required	International Bank Account Number (IBAN) of the debtor bank account. Maximum 34 characters. Required if you don't provide `identification.organisationIdentification.other.identification`.
`identification.other.identification`	Conditionally required	Debtor bank account number. Maximum 35 characters. Required if you don't provide `identification.IBAN`.
`name`	Optional	Name of the debtor account. Maximum 140 characters.

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

UK BACS: paymentInformation.debtorAccount

Json

{
    "paymentInformation": {
        "debtorAccount": { 
            "identification": { 
                "other": { 
                    "identification": "XXXXXXXXXX"
                }
            }, 
            "currency": "GBP", 
            "name": "JPMC Client Name"
        }
    }
}

paymentInformation.debtorAgent

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

paymentInformation.debtorAgent object in UK BACS request
Parameter	Required / Optional	Description
`financialInstitutionIdentification.bic`	Required	BIC of the bank branch where the debtor account is located. If the debtor account is your Wallet DDA, must be the J.P. Morgan Chase Bank, London branch (see Reference - Supported branches and their BICs). Maximum 11 characters.
`financialInstitutionIdentification.clearingSystemMemberIdentification.clearingSystemIdentification.code`	Required	Set to `GBDSC`. For more information, see Payments - Clearing system identification codes.
`financialInstitutionIdentification.clearingSystemMemberIdentification.memberIdentification`	Required	Six-digit UK sort code for the debited bank account.
`financialInstitutionIdentification.postalAddress`	Required	Postal address of the debtor bank. Must be in the UK.

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

UK BACS: paymentInformation.debtorAgent

Json

{
    "paymentInformation": {
        "debtorAgent": {
            "financialInstitutionIdentification": { 
                "bic": "CHASGB2LXXX", 
                "clearingSystemMemberIdentification": { 
                    "clearingSystemIdentification": { 
                        "code": "GBDSC"
                    }, 
                    "memberIdentification": "609242"
                }, 
                "postalAddress": { 
                    "country": "GB"
                }
            }
        }
    }
}

paymentInformation.creditTransferTransactionInformation

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

paymentInformation.creditTransferTransactionInformation object in UK BACS request
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. Required if `paymentInformation.creditTransferTransactionInformation.amount.instructedAmount` is present.
`amount.instructedAmount.currency`	Required	Must be `GBP`.
`creditor.name`	Optional	Name of the creditor. Maximum 140 characters.
`creditor.postalAddress`	Optional	Postal address of the creditor. Must be in the UK.
`creditorAccount.identification.other.identification`	Conditionally required	Account number of the creditor account. Maximum 35 characters. Either this or `paymentInformation.creditTransferTransactionInformation.creditorAccount.identification.IBAN` is required.
`creditorAgent.financialInstitutionIdentification.clearingSystemMemberIdentification.clearingSystemIdentification.code`	Required	Set to `GBDSC`.
`creditorAgent.financialInstitutionIdentification.clearingSystemMemberIdentification.memberIdentification`	Required	Six-digit UK sort code of the credited bank account.
`creditorAgent.financialInstitutionIdentification.postalAddress`	Optional	Postal address of the creditor bank. Must be in the UK.
`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.privateIdentification.other.identification`	Conditionally required	ID of the VTA to debit. This or `organisationIdentification.other.identification` is required if you include the `ultimateDebtor` parameter.
`ultimateDebtor.identification.privateIdentification.other.schemeName.proprietary`	Conditionally required	This or `organisationIdentification.other.schemeName.proprietary` is required if you include the `ultimateDebtor` parameter. Set to `virtualAccountIdentification`.

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

UK BACS: paymentInformation.creditTransferTransactionInformation

Json

{
    "paymentInformation": {
        "creditTransferTransactionInformation": [
            { 
                "paymentIdentification": { 
                    "endToEndIdentification": "N77064037205"
                }, 
                "amount": { 
                    "instructedAmount": { 
                        "amount": 5.00, 
                        "currency": "GBP"
                    }
                }, 
                "remittanceInformation": { 
                    "unstructured": [ 
                        "123456789012345678"
                    ]
                }, 
                "ultimateDebtor": { 
                    "identification": { 
                        "privateIdentification": { 
                            "other": [ 
                                { 
                                    "identification": "TEST-VTA-GBP-01", 
                                    "schemeName": { 
                                        "proprietary": "virtualAccountIdentification"
                                    }
                                }
                            ]
                        }
                    }
                }, 
                "creditorAgent": { 
                    "financialInstitutionIdentification": { 
                        "clearingSystemMemberIdentification": { 
                            "clearingSystemIdentification": { 
                                "code": "GBDSC"
                            }, 
                            "memberIdentification": "404611"
                        }, 
                        "postalAddress": { 
                            "country": "GB"
                        }
                    }
                }, 
                "creditor": { 
                    "name": "Individual Beneficiary Name", 
                    "postalAddress": { 
                        "country": "GB"
                    }
                }, 
                "creditorAccount": { 
                    "identification": { 
                        "other": { 
                            "identification": "XXXXXXXXXX"
                        }
                    }
                }
            }
        ]
    }
}

Examples

Request with minimum required data (non-TP3)

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

UK BACS: Request with minimum data (non-TP3)

Json

{
    "groupHeader": {
        "messageIdentification": "N77064037205",
        "creationDateTime": "2023-08-21T13:38:18.000+00:00",
        "numberOfTransactions": 1,
        "initiatingParty": {
            "name": "JPMC Client Name"
        }
    },
    "paymentInformation": { 
        "paymentInformationIdentification": "UK_GBPtoGBPN77064037205", 
        "paymentMethod": "TRF", 
        "paymentTypeInformation": { 
            "serviceLevel": { 
                "code": "NURG"
            }
        }, 
        "requestedExecutionDate": "2023-08-21", 
        "debtor": { 
            "name": "JPMC bank", 
            "postalAddress": { 
                "country": "GB"
            }
        }, 
        "debtorAccount": { 
            "identification": { 
                "other": { 
                    "identification": "XXXXXXXXXX"
                }
            }
        }, 
        "debtorAgent": { 
            "financialInstitutionIdentification": { 
                "bic": "CHASGB2LXXX", 
                "clearingSystemMemberIdentification": { 
                    "clearingSystemIdentification": { 
                        "code": "GBDSC"
                    }, 
                    "memberIdentification": "609242"
                }, 
                "postalAddress": { 
                    "country": "GB"
                }
            }
        }, 
        "creditTransferTransactionInformation": [ 
            { 
                "paymentIdentification": { 
                    "endToEndIdentification": "N77064037205"
                }, 
                "amount": { 
                    "instructedAmount": { 
                        "amount": 5.00, 
                        "currency": "GBP"
                    }
                }, 
                "creditorAgent": { 
                    "financialInstitutionIdentification": { 
                        "clearingSystemMemberIdentification": { 
                            "clearingSystemIdentification": { 
                                "code": "GBDSC"
                            }, 
                            "memberIdentification": "404611"
                        }
                    }
                }, 
                "creditorAccount": { 
                    "identification": { 
                        "other": { 
                            "identification": "XXXXXXXXXX"
                        }
                    }
                }
            }
        ]
    }
}

Request with optional data

The following example shows the request body of a PayOut transaction using the UK BACS payment rail with optional parameters.

Example request body: UK BACS PayOut

Json

{
    "groupHeader": { 
        "messageIdentification": "N77064037205", 
        "creationDateTime": "2023-08-21T13:38:18.000+00:00",
        "numberOfTransactions": 1,
        "controlSum": 5.00,
        "initiatingParty": {
            "name": "JPMC Client Name"
        }
    },
    "paymentInformation": { 
        "paymentInformationIdentification": "UK_GBPtoGBPN77064037205", 
        "numberOfTransactions": 1, 
        "controlSum": 5.00, 
        "paymentMethod": "TRF", 
        "paymentTypeInformation": { 
            "instructionPriority": "HIGH", 
            "serviceLevel": { 
                "code": "NURG"
            }
        }, 
        "requestedExecutionDate": "2023-08-21", 
        "debtor": { 
            "name": "JPMC bank", 
            "postalAddress": { 
                "country": "GB"
            }
        }, 
        "debtorAccount": { 
            "identification": { 
                "other": { 
                    "identification": "XXXXXXXXXX"
                }
            }, 
            "currency": "GBP", 
            "name": "JPMC Client Name"
        }, 
        "debtorAgent": { 
            "financialInstitutionIdentification": { 
                "bic": "CHASGB2LXXX", 
                "clearingSystemMemberIdentification": { 
                    "clearingSystemIdentification": { 
                        "code": "GBDSC"
                    }, 
                    "memberIdentification": "609242"
                }, 
                "postalAddress": { 
                    "country": "GB"
                }
            }
        }, 
        "creditTransferTransactionInformation": [ 
            { 
                "paymentIdentification": { 
                    "endToEndIdentification": "N77064037205"
                }, 
                "amount": { 
                    "instructedAmount": { 
                        "amount": 5.00, 
                        "currency": "GBP" 
                    } 
                }, 
                "remittanceInformation": { 
                    "unstructured": [ 
                        "123456789012345678" 
                    ] 
                }, 
                "ultimateDebtor": { 
                    "identification": { 
                        "privateIdentification": { 
                            "other": [ 
                                { 
                                    "identification": "TEST-VTA-GBP-01", 
                                    "schemeName": { 
                                        "proprietary": "virtualAccountIdentification" 
                                    } 
                                } 
                            ] 
                        } 
                    } 
                }, 
                "creditorAgent": { 
                    "financialInstitutionIdentification": { 
                        "clearingSystemMemberIdentification": { 
                            "clearingSystemIdentification": { 
                                "code": "GBDSC" 
                            }, 
                            "memberIdentification": "404611" 
                        }, 
                        "postalAddress": { 
                            "country": "GB" 
                        } 
                    } 
                }, 
                "creditor": { 
                    "name": "Individual Beneficiary Name", 
                    "postalAddress": { 
                        "country": "GB" 
                    } 
                }, 
                "creditorAccount": { 
                    "identification": { 
                        "other": { 
                            "identification": "XXXXXXXXXX" 
                        } 
                    } 
                } 
            } 
        ] 
    }
}

Response

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

Example response: PayOut UK BACS

Json

{
    "groupHeader": {
        "messageIdentification": "b17dca11-a348-4791-b592-c9550fd73cec",
        "creationDateTime": "2023-08-21T13:38:18.000+00:00",
        "initiatingParty": {
            "name": "JPMC Client Name"
        }
    },
    "originalGroupInformationAndStatus": {
        "originalMessageIdentification": " N77064037205",
        "originalMessageNameIdentification": "API-PAYOUT",
        "originalCreationDateTime": "2023-08-21T13:38:18.000+00:00",
        "originalNumberOfTransactions": 1,
        "originalControlSum": 0.01,
        "groupStatus": "ACTC",
        "statusReasonInformation": [],
        "numberOfTransactionsPerStatus": [
            {
                "detailedNumberOfTransactions": "1",
                "detailedStatus": "ACTC",
                "detailedControlSum": 0.01
            }
        ]
    },
    "originalPaymentInformationAndStatus": {
        "originalPaymentInformationIdentification": "UK_GBPtoGBPN77064037205",
        "paymentInformationStatus": "ACTC",
        "statusReasonInformation": [],
        "numberOfTransactionsPerStatus": [
            {
                "detailedNumberOfTransactions": "1",
                "detailedStatus": "ACTC",
                "detailedControlSum": 0.01
            }
        ],
        "transactionInformationAndStatus": [
            {
                "originalEndToEndIdentification": " N77064037205",
                "transactionStatus": "ACTC",
                "statusReasonInformation": [],
                "acceptanceDateTime": "2023-08-21T13:38:18.000+00:00",
                "accountServicerReference": "465d2121-98c3-4620-be92-412507084be4",
                "originalTransactionReference": {
                    "amount": {
                        "instructedAmount": {
                            "amount": 0.01,
                            "currency": "GBP"
                        }
                    },
                    "requestedExecutionDate": "2023-08-21",
                    "paymentMethod": "TRF",
                    "ultimateDebtor": {
                        "identification": {
                            "privateIdentification": {
                                "other": [
                                    {
                                        "identification": "TEST-VTA-GBP-01",
                                        "schemeName": {
                                            "proprietary": "virtualAccountIdentification"
                                        }
                                    }
                                ]
                            }
                        }
                    },
                    "debtorAccount": {
                        "identification": {
                            "other": {
                                "identification": "XXXXXXXXXX"
                            }
                        },
                        "currency": "GBP",
                        "name": "JPMC Client Name"
                    },
                    "debtorAgent": {
                        "financialInstitutionIdentification": {
                            "bic": "CHASGB2LXXX",
                            "clearingSystemMemberIdentification": {
                                "clearingSystemIdentification": {
                                    "code": "GBDSC"
                                },
                                "memberIdentification": "609242"
                            },
                            "postalAddress": {
                                "country": "GB"
                            }
                        }
                    },
                    "creditorAgent": {
                        "financialInstitutionIdentification": {
                            "clearingSystemMemberIdentification": {
                                "clearingSystemIdentification": {
                                    "code": "GBDSC"
                                },
                                "memberIdentification": "609242"
                            },
                            "postalAddress": {
                                "country": "GB"
                            }
                        }
                    },
                    "creditorAccount": {
                        "identification": {
                            "other": {
                                "identification": "XXXXXXXXXX"
                            }
                        }
                    }
                }
            }
        ]
    }
}

Notification

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

Example notification: PayOut UK BACS

Json

{
    "groupHeader": {
        "messageIdentification": "b17dca11-a348-4791-b592-c9550fd73cec",
        "creationDateTime": "2023-08-22T23:41:20.143+0000",
        "initiatingParty": {
            "name": "JPMC Client Name"
        }
    },
    "originalGroupInformationAndStatus": {
        "originalMessageIdentification": "N77064037205",
        "originalMessageNameIdentification": "API-PAYOUT",
        "originalNumberOfTransactions": 1
    },
    "originalPaymentInformationAndStatus": {
        "originalPaymentInformationIdentification": "UK_GBPtoGBPN77064037205",
        "transactionInformationAndStatus": [
            {
                "originalEndToEndIdentification": "N77064037205",
                "transactionStatus": "ACSC",
                "statusReasonInformation": [
                    {
                        "additionalInformation": [
                            "/eventType/PaymentComplete"
                        ]
                    }
                ],
                "acceptanceDateTime": "2023-08-21T13:38:30.622+0000",
                "accountServicerReference": "4EN2V67F",
                "originalTransactionReference": {
                    "amount": {
                        "instructedAmount": {
                            "amount": 5,
                            "currency": "GBP"
                        }
                    },
                    "requestedExecutionDate": "2023-08-21",
                    "paymentMethod": "TRF",
                    "remittanceInformation": [
                        {
                            "remittanceInformationText": "123456789012345678",
                            "remittanceSequenceNumber": "1"
                        }
                    ],
                    "ultimateDebtor": {
                        "identification": {
                            "organisationIdentification": {
                                "other": [
                                    {
                                        "identification": "TEST-VTA-GBP-01",
                                        "schemeName": {
                                            "proprietary": "virtualAccountIdentification"
                                        }
                                    }
                                ]
                            }
                        }
                    },
                    "debtorAccount": {
                        "identification": {
                            "other": {
                                "identification": "XXXXXXXXXX"
                            }
                        },
                        "currency": "GBP"
                    },
                    "debtorAgent": {
                        "financialInstitutionIdentification": {
                            "bic": "CHASGB2LXXX",
                            "postalAddress": {
                                "country": "GB"
                            }
                        }
                    },
                    "creditorAgent": {
                        "financialInstitutionIdentification": {
                            "bic": "",
                            "clearingSystemMemberIdentification": {
                                "clearingSystemIdentification": {
                                    "code": "GBDSC"
                                },
                                "memberIdentification": "404611"
                            },
                            "postalAddress": {
                                "country": "GB"
                            }
                        }
                    },
                    "creditorAccount": {
                        "identification": {
                            "other": {
                                "identification": "XXXXXXXXXX"
                            }
                        },
                        "currency": "GBP"
                    },
                    "receiver": {
                        "name": "Individual Beneficiary Name",
                        "postalAddress": {
                            "country": "GB"
                        }
                    }
                }
            }
        ]
    }
}

FX PayOuts

An ACH Foreign Exchange (FX) PayOut enables you to send GBP from a DDA in the UK to a recipient in another country, converting the funds to a currency supported in their country.

For ACH FX transactions, you must set serviceLevel.proprietary to NURGFX.

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

The following example request initiates an ACH FX transaction, converting funds from GBP to AUD.

Example request: UK BACS FX PayOut

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": "NURGFX"
            }
        },
        "requestedExecutionDate": "2024-06-14",
        "debtor": {
            "name": "JPMC bank",
            "postalAddress": {
                "country": "GB"
            }
        },
        "debtorAccount": {
            "name": "JPMC Client Name",
            "identification": {
                "other": {
                    "identification": "XXXXXXXXXX"
                }
            },
            "currency": "GBP"
        },
        "debtorAgent": {
            "financialInstitutionIdentification": {
                "bic": "CHASGB2LXXX",
                "clearingSystemMemberIdentification": {
                    "clearingSystemIdentification": {
                        "code": "GBDSC"
                    },
                    "memberIdentification": "609242"
                },
                "postalAddress": {
                    "country": "GB"
                }
            }
        },
        "creditTransferTransactionInformation": [
            {
                "paymentIdentification": {
                    "instructionIdentification": "X20240614010327",
                    "endToEndIdentification": "X20240614010327"
                },
                "amount": {
                    "equivalentAmount": {
                        "amount": 0.05,
                        "currency": "GBP",
                        "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

Wallet does not support Third Party Payment Processor (TP3) transactions using the UK BACS payment rail. For more information about TP3 transactions, see Pay on behalf of a third party.