Jp Morgan Wallet

Reversal of PayInto Receipt (Credit Reversal)

Overview

A PayInto Receipt transaction occurs when a counterparty sends funds from their physical bank account to a Virtual Transaction Account (VTA) in your J.P. Morgan Wallet™ program using a Payment Routing Number (PRN).

If the payment rail that the counterparty uses allows it, the counterparty can request a reversal of the transaction within a certain time frame. This is called a "Credit Reversal."

If the reversal is successful, Wallet deducts the funds from the VTA that originally received the funds and sends you a notification.

Notes:

Only the US ACH payment rail is supported.

To use Credit Reversals, we must turn it on for you. If the feature is not turned on, reversals will be labeled "Miscellaneous Debit."

Notification

Because Wallet clients do not initiate Credit Reversals, there is no endpoint for you to send requests to. However, Wallet sends a notification with information about the Credit Reversal after Wallet completes the transaction. See the following example.

Example

The following is an example of a notification that Wallet sends after completing a Credit Reversal.

Credit Reversal notification example

Json

{
    "groupHeader": {
        "messageIdentification": "a232f610-4a32-4a90-b452-b8b835ec0481",
        "creationDateTime": "2025-11-10T21:26:54.005+0000"
    },
    "originalGroupInformationAndStatus": {
        "originalMessageIdentification": "18d6daa7-c2a9-4640-9f04-c86ea678936",
        "originalMessageNameIdentification": "API-CREDITREVERSAL",
        "originalNumberOfTransactions": 0
    },
    "originalPaymentInformationAndStatus": {
        "originalPaymentInformationIdentification": "",
        "transactionInformationAndStatus": [
            {
                "originalEndToEndIdentification": "TY07swq4rqwe",
                "transactionStatus": "ACSC",
                "statusReasonInformation": [
                    {
                        "additionalInformation": [
                            "/eventType/PaymentComplete",
                            "/POSTED-BALANCE:ultimateDebtor:ACCOUNT-TYPE/TRANSACTION",
                            "/POSTED-BALANCE:ultimateDebtor:VERSION/50",
                            "/POSTED-BALANCE:ultimateDebtor:ITBD/104056.903",
                            "/POSTED-BALANCE:ultimateDebtor:ITAV/104056.903",
                            "/POSTED-BALANCE:ultimateDebtor:XPCD/104056.903",
                            "/POSTED-BALANCE:ultimateDebtor:EFFECTIVE-DATE/2025-11-10",
                            "/POSTED-BALANCE:ultimateDebtor:TIMESTAMP/2025-11-10T21:26:51.905+00:00"
                        ]
                    }
                ],
                "acceptanceDateTime": "2025-11-10T21:26:50.987+0000",
                "accountServicerReference": "TY07swq4rqwe",
                "originalTransactionReference": {
                    "amount": {
                        "instructedAmount": {
                            "amount": 0.12,
                            "currency": "USD"
                        }
                    },
                    "requestedExecutionDate": "2025-11-10",
                    "paymentMethod": "BOOK",
                    "remittanceInformation": [
                        {
                            "remittanceInformationText": "ORIG CO NAME:IOWA CLINIC PC         ORIG ID:3421420077 DESC DATE:250227 CO ENTRY DESCR:REVERSALSEC:CCD    TRACE#:073000646689670 EED:250227",
                            "remittanceSequenceNumber": "1"
                        },
                        {
                            "remittanceInformationText": "IND ID:                             IND NAME:CHASE BANK                 VXR/10000000000054 TRN: 0576689670TC",
                            "remittanceSequenceNumber": "2"
                        }
                    ],
                    "debtorAccount": {
                        "identification": {
                            "other": {
                                "identification": "XXXXXXXXXX"
                            }
                        },
                        "currency": "USD"
                    },
                    "debtorAgent": {
                        "financialInstitutionIdentification": {
                            "bic": "XXXXXXXXXXX"
                        }
                    },
                    "creditorAgent": {
                        "financialInstitutionIdentification": {
                            "bic": "XXXXXXXXXXX"
                        }
                    },
                    "creditorAccount": {
                        "identification": {
                            "other": {
                                "identification": "XXXXXXXXXXX"
                            }
                        },
                        "currency": "USD"
                    },
                    "receiver": {
                        "name": "XXXXXXXXXXX"
                    }
                }
            }
        ]
    }
}