Jp Morgan Wallet
US ACH: Send low-value funds
Overview
Automated Clearing House (ACH) is a network of US financial institutions used to exchange and settle electronic credit and debit payments on behalf of their clients.
ACH transactions are batched, non-urgent, and high-volume, and are often regularly scheduled between the same parties. They are low-cost transactions and generally have future-dated settlements that are processed within one to two business days.
With J.P. Morgan Wallet™, you can execute PayOut and PayInto Collection transactions using ACH to transfer funds between your Wallet Demand Deposit Account (DDA) and a counterparty's external DDA. Your DDA must be located in the US and use USD.
For an overview of payment types in Wallet, see Payments.
Use cases
You can use the US ACH payment rail to transfer low-value funds in USD between US banks. For example:
- Merchant services platform: Pay out a merchant's revenue to their US bank account.
- Video game company: Pay out a player's in-game currency to their US bank account.
- Marketplace platform: Pay out a seller's revenue to their US bank account.
Key information
The following table describes important information about US ACH.
| Production endpoint | v3.x: Use if you need to send funds from Japan or handle BGN currency. |
v2.x: 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, New York branch, or any US affiliate branches (see Reference - Supported branches and their Business Identifier Codes) | |
| Supported currencies | USD | |
| Supported account types | All (Demand Deposit Account - DDA and Customer Money Account - CMA) | |
| Payment type | ||
| Payment flows |
|
|
| Transaction limit | No default limit | |
| Cut-off time | 2:00pm ET on business days | |
| Settlement period | 1-2 business days | |
| Returns, recalls, and reversals | Supports returns initiated within two business days of the transaction settlement date. | |
| Service level code | Set serviceLevel.code to NURG |
|
Prerequisites
Before you can execute transactions using the US ACH payment rail, you must configure your Wallet program for US ACH. For more information, ask your J.P. Morgan representative.
Reporting
US ACH transactions appear on your daily TRANSACTION ACTIVITY reports.
The following table is an example of what a US ACH transaction on a TRANSACTION ACTIVITY report might look like.
| CLIENT ID | 0001318690 |
|---|---|
| PROGRAM ID | 1000000003 |
| BUSINESS PROCESSING DATE | 3/11/2026 |
| BANK NAME | JPM New York |
| WALLET DDA NUMBER | XXXXXXXXXX |
| WALLET CURRENCY | USD |
| RECEIVED DATE | 6/21/2021 |
| REQUESTED VALUE DATE | 3/10/2026 |
| VALUE DATE | 3/11/2026 |
| CLIENT TXN ID | fTt6WB55Y5 |
| TXN TYPE | PAYINTOCOLLECTION |
| DEBTOR ACCOUNT | XXXXXXXXXX |
| DEBTOR NAME | HERBLIFE |
| DEBTOR AGENT | JPMORGAN CHASE BANK N.A. |
| DEBTOR AGENT ID | CHASUS33XXX |
| DEBIT AMOUNT | 0.13 |
| DEBIT CURRENCY | USD |
| CREDITOR ACCOUNT | XXXXXXXXXX |
| CREDITOR NAME | Global Trade/Finance Corp |
| CREDITOR VIRTUAL ACCOUNT | DEMO-VTA-05 |
| ULTIMATE CREDITOR NAME | ulCRName |
| CREDITOR AGENT | JPMORGAN CHASE BANK N.A. |
| CREDITOR AGENT ID | CHASUS33XXX |
| CREDIT AMOUNT | 0.13 |
| CREDIT CURRENCY | USD |
| STATUS | PENDING |
| SETTLEMENT METHOD | ACH |
| PRN | XXXXXXXXXX |
| REMITTANCE INFO | REMITTANCE INFORATION OF FIRST PAYMENT IN THE IDDT BATCH |
| BATCH ID | fpG8pSFXf3 |
| MATCHED REFERENCE ID | J2WKRU |
| DDA NARRATIVE | REMITTANCE INFORATION OF FIRST PAYMENT IN THE IDDT BATCH |
Notice of Change
A US ACH Notice of Change (NOC) is a notification sent to a client to correct or change account information in an entry processed through the ACH network.
When you use US ACH, you might receive an NOC in the notification for the transaction. For more information, see Notifications - Notice of Change.
Important parameters
The following sections list important parameters in the US ACH 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.
| 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 US ACH transactions.
groupHeader
The groupHeader object contains information about the batch of transactions.
| 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.identification.organisationIdentification.other.identification |
Required | Your Origin ID. We assign this to you when we set up your Wallet program. |
initiatingParty.identification.organisationIdentification.other.schemeName.proprietary |
Required | Type of ID. Set to ORIGINID. |
initiatingParty.name |
Conditionally required | Name of the initiating party (you). Maximum 35 characters. |
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.
Example: groupHeader
Json
{
"groupHeader": {
"messageIdentification": "SK230621173053",
"creationDateTime": "2023-06-21T21:30:53.000+0000",
"numberOfTransactions": 1,
"initiatingParty": {
"name": "JPMC Client Name",
"identification": {
"organisationIdentification": {
"other": [
{
"identification": "XXXXXXXX",
"schemeName": {
"proprietary": "ORIGINID"
}
}
]
}
}
}
}
}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 1-500. |
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.categoryPurpose.proprietary |
Required | Purpose of the payment. |
paymentTypeInformation.localInstrument.code |
Required | Wallet supports the following local instruments:
|
paymentTypeInformation.serviceLevel.code |
Conditionally required | For same-currency US ACH 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.
Example: paymentInformation
Json
{
"paymentInformation": {
"paymentInformationIdentification": "USACHPPDSK230621173053",
"numberOfTransactions": 1,
"controlSum": "5",
"paymentMethod": "TRF",
"requestedExecutionDate": "2023-06-21",
"paymentTypeInformation": {
"serviceLevel": {
"code": "NURG"
},
"localInstrument": {
"code": "PPD"
},
"categoryPurpose": {
"proprietary": "PAYMENT"
}
}
}
}paymentInformation.debtor
The paymentInformation.debtor object contains information about the individual or business that represents the debtor.
| Parameter | Required / Optional | Description |
|---|---|---|
identification.organisationIdentification.other.identification |
Required | Your Company ID. We assign this to you when we set up your Wallet program. |
identification.organisationIdentification.other.schemeName.proprietary |
Required | Type of ID. Set to JPMCOID. |
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 US. At least one parameter in paymentInformation.debtor is required. |
The following code snippet is an example of the paymentInformation.debtor object.
Example: paymentInformation.debtor
Json
{
"paymentInformation": {
"debtor": {
"name": "JPMC Client Name",
"postalAddress": {
"streetName": "Briarwood Ct",
"postCode": "19460",
"townName": "Phoenixville",
"buildingNumber": "1605",
"countrySubDivision": "PA",
"country": "US"
},
"identification": {
"organisationIdentification": {
"other": [
{
"identification": "XXXXXXXX",
"schemeName": {
"proprietary": "JPMCOID"
}
}
]
}
}
},
}
}paymentInformation.debtorAccount
The paymentInformation.debtorAccount object contains information about the bank account of the debtor.
| Parameter | Required / Optional | Description |
|---|---|---|
currency |
Optional | Currency of the funds in the debtor account. Must be USD. |
identification.other.identification |
Conditionally required | ID corresponding to paymentInformation.debtorAccount.identification.other.schemeName. Maximum 35 characters. At least one parameter in paymentInformation.debtorAccount.identification is required. |
name |
Optional | Name of the debtor account. Maximum 140 characters. |
type.code |
Required | Account type. Set to CACC ("current account"). |
The following code snippet is an example of the paymentInformation.debtorAccount object.
Example: paymentInformation.debtorAccount
Json
{
"paymentInformation": {
"debtorAccount": {
"identification": {
"other": {
"identification": "XXXXXXXXXX"
}
},
"type": {
"code": "CACC"
},
"currency": "USD",
"name": "JPMC Client Name"
}
}
}paymentInformation.debtorAgent
The paymentInformation.debtorAgent object contains information about the bank where the debtor account is located.
| Field | Required / Optional | Description |
|---|---|---|
financialInstitutionIdentification.clearingSystemMemberIdentification.clearingSystemIdentification.code |
Required | Clearing system ID code of the debtor bank. Set to USABA. |
financialInstitutionIdentification.clearingSystemMemberIdentification.memberIdentification |
Required | Clearing system member ID of the debtor bank. If your Wallet DDA is the debtor account, set this to 028000024 (the ABA number of the J.P. Morgan Chase New York branch). |
financialInstitutionIdentification.postalAddress |
Optional | Postal address of the debtor bank. Must be in the US. |
The following code snippet is an example of the paymentInformation.debtorAgent object.
Example: paymentInformation.debtorAgent
Json
{
"paymentInformation": {
"debtorAgent": {
"financialInstitutionIdentification": {
"clearingSystemMemberIdentification": {
"clearingSystemIdentification": {
"code": "USABA"
},
"memberIdentification": "028000024"
},
"postalAddress": {
"country": "US"
}
}
}
}
}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 |
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 |
Conditionally required | Currency of the funds in the debtor account. Must be USD. Required if paymentInformation.creditTransferTransactionInformation.amount.instructedAmount is present. |
creditor.name |
Optional | Name of the creditor. Maximum 140 characters. |
creditor.postalAddress |
Optional | Postal address of the creditor. Must be in the US. |
creditorAccount.currency |
Optional | Currency of the funds in the creditor account. Must be USD. |
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. |
creditorAccount.type.code |
Required | Account type. Set to CACC ("current account"). |
creditorAgent.financialInstitutionIdentification.clearingSystemMemberIdentification.clearingSystemIdentification.code |
Required | Clearing system ID code of the creditor bank. Set to USABA. For more information, see Payments - Clearing system identification codes. |
creditorAgent.financialInstitutionIdentification.clearingSytemMemberIdentification.memberIdentification |
Required | Clearing system member ID of the creditor bank. If your Wallet DDA is the creditor account, set this to 028000024 (the J.P. Morgan Chase Bank, New York branch). |
creditorAgent.financialInstitutionIdentification.postalAddress |
Optional | Postal address of the creditor bank. Must be in the US. |
paymentIdentification.endToEndIdentification |
Required | Unique ID for tracing requests and responses for this transaction. Maximum 16 characters. |
paymentIdentification.instructionIdentification |
Optional | Unique ID of the instruction. Maximum 35 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 VTA to debit. Required if you include the ultimateDebtor parameter. |
ultimateDebtor.identification.organisationIdentification.other.schemeName.proprietary |
Conditionally required | Required if you include the ultimateDebtor parameter. Set to virtualAccountIdentification. |
The following code snippet is an example of the paymentInformation.creditTransferTransactionInformation object.
Example: paymentInformation.creditTransferTransactionInformation
Json
{
"paymentInformation": {
"creditTransferTransactionInformation": [
{
"paymentIdentification": {
"instructionIdentification": "SK230621173053",
"endToEndIdentification": "SK230621173053"
},
"amount": {
"instructedAmount": {
"amount": "5",
"currency": "USD"
}
},
"ultimateDebtor": {
"identification": {
"organisationIdentification": {
"other": [
{
"identification": "XXXXXXXXX",
"schemeName": {
"proprietary": "virtualAccountIdentification"
}
}
]
}
}
},
"creditorAgent": {
"financialInstitutionIdentification": {
"clearingSystemMemberIdentification": {
"clearingSystemIdentification": {
"code": "USABA"
},
"memberIdentification": "028000024"
},
"postalAddress": {
"country": "US"
}
}
},
"creditor": {
"name": "US creditor",
"postalAddress": {
"streetName": "UAT Receiver St",
"postCode": "12345",
"townName": "Phoenixville",
"buildingNumber": "1605",
"countrySubDivision": "PA",
"country": "US"
}
},
"creditorAccount": {
"identification": {
"other": {
"identification": "XXXXXXXXXX"
}
},
"type": {
"code": "CACC"
},
"currency": "USD"
},
"remittanceInformation": {
"unstructured": [
"FREE FORM TEXT 45 char max limit."
]
}
}
]
}
}Examples
Request with minimum required data (non-TP3)
The following example shows the minimum data required to execute a PayOut transaction using the US ACH payment rail.
Example request body: US ACH PayOut - Minimum required data
Json
{
"groupHeader": {
"messageIdentification": "SK230621173053",
"creationDateTime": "2023-06-21T21:30:53.000+0000",
"numberOfTransactions": 1,
"initiatingParty": {
"name": "JPMC Client Name",
"identification": {
"organisationIdentification": {
"other": [
{
"identification": "XXXXXXXX",
"schemeName": {
"proprietary": "ORIGINID"
}
}
]
}
}
}
},
"paymentInformation": {
"paymentInformationIdentification": "USACHPPDSK230621173053",
"paymentMethod": "TRF",
"requestedExecutionDate": "2023-06-21",
"paymentTypeInformation": {
"serviceLevel": {
"code": "NURG"
},
"localInstrument": {
"code": "PPD"
},
"categoryPurpose": {
"proprietary": "PAYMENT"
}
},
"debtor": {
"identification": {
"organisationIdentification": {
"other": [
{
"identification": "XXXXXXXX",
"schemeName": {
"proprietary": "JPMCOID"
}
}
]
}
}
},
"debtorAccount": {
"identification": {
"other": {
"identification": "XXXXXXXXXX"
}
},
"type": {
"code": "CACC"
}
},
"debtorAgent": {
"financialInstitutionIdentification": {
"clearingSystemMemberIdentification": {
"clearingSystemIdentification": {
"code": "USABA"
},
"memberIdentification": "028000024"
}
}
},
"creditTransferTransactionInformation": [
{
"paymentIdentification": {
"endToEndIdentification": "SK230621173053"
},
"amount": {
"instructedAmount": {
"amount": "5",
"currency": "USD"
}
},
"creditorAgent": {
"financialInstitutionIdentification": {
"clearingSystemMemberIdentification": {
"clearingSystemIdentification": {
"code": "USABA"
},
"memberIdentification": "021000021"
}
}
},
"creditorAccount": {
"identification": {
"other": {
"identification": "XXXXXXXXXX"
}
},
"type": {
"code": "CACC"
}
}
}
]
}
}Request with optional data
The following example shows the request body of a PayOut transaction using the US ACH payment rail with optional parameters.
Example request body: US ACH payout
Json
{
"groupHeader": {
"messageIdentification": "SK230621173053",
"creationDateTime": "2023-06-21T21:30:53.000+0000",
"numberOfTransactions": 1,
"initiatingParty": {
"name": "JPMC Client Name",
"identification": {
"organisationIdentification": {
"other": [
{
"identification": "XXXXXXXX",
"schemeName": {
"proprietary": "ORIGINID"
}
}
]
}
}
}
},
"paymentInformation": {
"paymentInformationIdentification": "USACHPPDSK230621173053",
"numberOfTransactions": 1,
"controlSum": "5",
"paymentMethod": "TRF",
"requestedExecutionDate": "2023-06-21",
"paymentTypeInformation": {
"serviceLevel": {
"code": "NURG"
},
"localInstrument": {
"code": "PPD"
},
"categoryPurpose": {
"proprietary": "PAYMENT"
}
},
"debtor": {
"name": "JPMC Client Name",
"postalAddress": {
"streetName": "Briarwood Ct",
"postCode": "19460",
"townName": "Phoenixville",
"buildingNumber": "1605",
"countrySubDivision": "PA",
"country": "US"
},
"identification": {
"organisationIdentification": {
"other": [
{
"identification": "XXXXXXXX",
"schemeName": {
"proprietary": "JPMCOID"
}
}
]
}
}
},
"debtorAccount": {
"identification": {
"other": {
"identification": "XXXXXXXXXX"
}
},
"type": {
"code": "CACC"
},
"currency": "USD",
"name": "JPMC Client Name"
},
"debtorAgent": {
"financialInstitutionIdentification": {
"clearingSystemMemberIdentification": {
"clearingSystemIdentification": {
"code": "USABA"
},
"memberIdentification": "028000024"
},
"postalAddress": {
"country": "US"
}
}
},
"creditTransferTransactionInformation": [
{
"paymentIdentification": {
"instructionIdentification": "SK230621173053",
"endToEndIdentification": "SK230621173053"
},
"amount": {
"instructedAmount": {
"amount": "5",
"currency": "USD"
}
},
"ultimateDebtor": {
"identification": {
"organisationIdentification": {
"other": [
{
"identification": "XXXXXXXXX",
"schemeName": {
"proprietary": "virtualAccountIdentification"
}
}
]
}
}
},
"creditorAgent": {
"financialInstitutionIdentification": {
"clearingSystemMemberIdentification": {
"clearingSystemIdentification": {
"code": "USABA"
},
"memberIdentification": "021000021"
},
"postalAddress": {
"country": "US"
}
}
},
"creditor": {
"name": "US creditor",
"postalAddress": {
"streetName": "UAT Receiver St",
"postCode": "12345",
"townName": "Phoenixville",
"buildingNumber": "1605",
"countrySubDivision": "PA",
"country": "US"
}
},
"creditorAccount": {
"identification": {
"other": {
"identification": "XXXXXXXXXX"
}
},
"type": {
"code": "CACC"
},
"currency": "USD"
},
"remittanceInformation": {
"unstructured": [
"FREE FORM TEXT 45 char max limit."
]
}
}
]
}
}Response
The following is the synchronous response to the previous example request.
Example response: US ACH payout
Json
{
"groupHeader": {
"messageIdentification": "3a51dfd7-d8b4-4639-8c35-5d251d8c8795",
"creationDateTime": "2023-07-18T17:30:37.360+0000",
"initiatingParty": {
"name": "JPMC Client Name",
"identification": {
"organisationIdentification": {
"bicOrBei": "null"
}
}
}
},
"originalGroupInformationAndStatus": {
"originalMessageIdentification": "SK230621173053",
"originalMessageNameIdentification": "API-PAYOUT",
"originalCreationDateTime": "2023-06-21T21:30:53.000+0000",
"originalNumberOfTransactions": 1
},
"originalPaymentInformationAndStatus": {
"originalPaymentInformationIdentification": "USACHPPDSK230621173053",
"transactionInformationAndStatus": [
{
"originalInstructionIdentification": "SK230621173053",
"originalEndToEndIdentification": "SK230621173053",
"transactionStatus": "ACSC",
"acceptanceDateTime": "2023-06-21T21:30:56.369+0000",
"accountServicerReference": "J2WFY9",
"originalTransactionReference": {
"amount": {
"instructedAmount": {
"amount": 5.0,
"currency": "USD"
}
},
"requestedExecutionDate": "2023-06-21",
"paymentMethod": "TRF",
"ultimateDebtor": {
"postalAddress": {
"department": "",
"subDepartment": "",
"streetName": "",
"buildingNumber": "",
"postCode": "",
"townName": "",
"countrySubDivision": "",
"country": "",
"addressLine": [
""
]
},
"identification": {
"organisationIdentification": {
"other": [
{
"identification": "VAID00002",
"schemeName": {
"proprietary": "virtualAccountIdentification"
}
}
]
},
"privateIdentification": {
"dateAndPlaceOfBirth": {
"birthDate": "",
"provinceOfBirth": "",
"cityOfBirth": "",
"countryOfBirth": ""
}
}
},
"contactDetails": {}
},
"debtorAccount": {
"identification": {
"other": {
"identification": "XXXXXXXX"
}
},
"currency": "USD"
},
"debtorAgent": {
"financialInstitutionIdentification": {
"clearingSystemMemberIdentification": {
"clearingSystemIdentification": {
"code": "USABA"
},
"memberIdentification": "028000024"
},
"postalAddress": {
"department": "",
"subDepartment": "",
"streetName": "",
"buildingNumber": "",
"postCode": "",
"townName": "",
"countrySubDivision": "",
"country": "US",
"addressLine": [
""
]
}
}
},
"creditorAgent": {
"financialInstitutionIdentification": {
"clearingSystemMemberIdentification": {
"clearingSystemIdentification": {
"code": "USABA"
},
"memberIdentification": "021000021"
},
"postalAddress": {
"department": "",
"subDepartment": "",
"streetName": "",
"buildingNumber": "",
"postCode": "",
"townName": "",
"countrySubDivision": "",
"country": "US",
"addressLine": [
""
]
}
}
},
"creditorAccount": {
"identification": {
"other": {
"identification": "XXXXXXXX"
}
},
"currency": "USD"
},
"receiver": {
"name": "US creditor",
"postalAddress": {
"department": "",
"subDepartment": "",
"streetName": "UAT Receiver St",
"buildingNumber": "1605",
"postCode": "12345",
"townName": "Phoenixville",
"countrySubDivision": "PA",
"country": "US",
"addressLine": [
""
]
},
"identification": {}
}
}
}
]
}
}Notification
The following is the asynchronous notification that Wallet sends after completing the previous example request.
Example notification: US ACH payout
Json
{
"groupHeader": {
"messageIdentification": "ff8e0268-692a-4944-b6c0-d80ba28f3830",
"creationDateTime": "2023-06-22T02:03:02.516+0000",
"initiatingParty": {
"name": "JPMC Client Name",
"identification": {
"organisationIdentification": {
"other": [
{
"identification": "XXXXXXXX",
"schemeName": {
"proprietary": "ORIGINID"
}
}
]
}
}
}
},
"originalGroupInformationAndStatus": {
"originalMessageIdentification": "SK230621173053",
"originalMessageNameIdentification": "API-PAYOUT",
"originalNumberOfTransactions": 1
},
"originalPaymentInformationAndStatus": {
"originalPaymentInformationIdentification": "USACHPPDSK230621173053",
"transactionInformationAndStatus": [
{
"originalInstructionIdentification": "SK230621173053",
"originalEndToEndIdentification": "SK230621173053",
"transactionStatus": "ACSC",
"statusReasonInformation": [
{
"additionalInformation": [
"/eventType/PaymentComplete"
]
}
],
"acceptanceDateTime": "2023-06-21T21:31:02.482+0000",
"accountServicerReference": "J2WFY9",
"originalTransactionReference": {
"amount": {
"instructedAmount": {
"amount": 5,
"currency": "USD"
}
},
"paymentTypeInformation": {
"localInstrument": {
"code": "PPD"
}
},
"requestedExecutionDate": "2023-06-21",
"paymentMethod": "TRF",
"remittanceInformation": [
{
"remittanceInformationText": "FREE FORM TEXT 45 char max limit.",
"remittanceSequenceNumber": "1"
}
],
"ultimateDebtor": {
"identification": {
"organisationIdentification": {
"other": [
{
"identification": "XXXXXXXXX",
"schemeName": {
"proprietary": "virtualAccountIdentification"
}
}
]
}
}
},
"debtorAccount": {
"identification": {
"other": {
"identification": "XXXXXXXXXX"
}
},
"currency": "USD"
},
"debtorAgent": {
"financialInstitutionIdentification": {
"clearingSystemMemberIdentification": {
"clearingSystemIdentification": {
"code": "USABA"
},
"memberIdentification": "028000024"
},
"postalAddress": {
"country": "US"
}
}
},
"creditorAgent": {
"financialInstitutionIdentification": {
"clearingSystemMemberIdentification": {
"clearingSystemIdentification": {
"code": "USABA"
},
"memberIdentification": "021000021"
},
"postalAddress": {
"country": "US"
}
}
},
"creditorAccount": {
"identification": {
"other": {
"identification": "XXXXXXXXXX"
}
},
"currency": "USD"
},
"receiver": {
"name": "US creditor",
"postalAddress": {
"streetName": "UAT Receiver St",
"buildingNumber": "1605",
"postCode": "12345",
"townName": "Phoenixville",
"countrySubDivision": "PA",
"country": "US"
}
}
}
}
]
}
}FX PayOuts
An ACH FX PayOut enables you to send USD from a DDA in the US 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 USD to AUD.
Example request: US ACH 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": {
"streetName": "Street Name",
"buildingNumber": "123",
"postCode": "12345",
"townName": "Town",
"country": "US",
"addressLine": [
"Address line 1",
"Address line 2",
"Address line 3"
]
}
},
"debtorAccount": {
"name": "JPMC Client Name",
"identification": {
"other": {
"identification": "XXXXXXXXXX"
}
},
"currency": "USD"
},
"debtorAgent": {
"financialInstitutionIdentification": {
"bic": "CHASUS33XXX",
"clearingSystemMemberIdentification": {
"clearingSystemIdentification": {
"code": "USABA"
},
"memberIdentification": "021000021"
},
"postalAddress": {
"streetName": "Street Name",
"buildingNumber": "123",
"postCode": "12345",
"townName": "Town",
"country": "US",
"addressLine": [
"Address line 1",
"Address line 2",
"Address line 3"
]
}
}
},
"creditTransferTransactionInformation": [
{
"paymentIdentification": {
"instructionIdentification": "X20240614010327",
"endToEndIdentification": "X20240614010327"
},
"amount": {
"equivalentAmount": {
"amount": 0.05,
"currency": "USD",
"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 US ACH payment rail. For more information about TP3 transactions, see TP3: Pay on behalf of a third party.
US ACH (domestic)
If the creditor account is owned by a US resident, use one of the US ACH domestic flows described in this section.
Flows
Wallet supports the following flows for TP3 US ACH domestic transactions:
- NY / USD to USD
- Prearranged Payment and Deposit (PPD): A customer authorizes a business to debit or credit their account.
- Cash Concentration or Disbursement (CCD): A business consolidates funds from various locations into a single account or makes a payment to another business.
Requirements
In addition to the requirements described in Payments, the following fields in the paymentInformation.creditTransferTransactionInformation object have specific requirements for TP3 US ACH domestic transactions.
| Field | Required / Optional | Requirements |
|---|---|---|
ultimateDebtor.name |
Required | Maximum 16 characters. |
Example
The following is an example of the ultimateDebtor object in a TP3 US ACH domestic request.
Example: TP3 US ACH domestic
Json
"ultimateDebtor": {
"name": "Some Name 16char",
...US ACH (international)
If the creditor account is owned by a non-resident temporarily staying in the US, use the international flow described in this section.
Here, "international" does not mean that funds are transferred out of the US—it just means that the owner of the account is not a US resident, and that the funds are expected to be transferred out of the US in the future.
Flows
Wallet supports the following flows for TP3 US ACH international transactions:
- NY / USD to USD
- International ACH Transaction (IAT): Send funds to a US bank account owned by a non-resident.
Requirements
The following fields in the paymentInformation.creditTransferTransactionInformation object have specific requirements for TP3 US ACH international transactions.
| 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 35 characters. |
ultimateDebtor.postalAddress.postCode |
Required | Maximum 16 characters. |
ultimateDebtor.postalAddress.streetName |
Required | Maximum 70 characters. |
ultimateDebtor.postalAddress.townName |
Required | Maximum 35 characters. |
Example
The following is an example of the ultimateDebtor object in a TP3 US ACH international request.
Example: TP3 US ACH IAT
Json
"ultimateDebtor": {
"name": "Some Name Some Name Some xx35 chars",
"postalAddress": {
"streetName": "70 chars StreetAddress length BriarBriarwoodCt MT BriarwoodCt MT Briar",
"postCode": "19460",
"townName": "Phoenixville",
"country": "US"
},
...