Low Value & ACH Payments

Overview

With this API, you can issue low value & ACH payments to the following regions:

• United States & Canada (NA)
• Europe, Middle East, Africa (EMEA)
• Asia Pacific (APAC)

Callback message structure and contents

• Callback messages can contain updates for multiple payments.
• The maximum number of payments that can come back in one callback message is 50.
• A single callback message will either contain credits or debits, but not both.
• A single callback can contain ACH transactions from different regions.

Callback response handling and timing

• J.P. Morgan waits three seconds to receive a "200 OK" once a callback message is sent.
• The retry callback mechanism has an exponential gap of 10*3^x seconds, i.e., 10 seconds, 30 seconds, 90 seconds, 270 seconds, 810 seconds, etc. This exponential gap of 10*3^x will go on indefinitely until we receive a "200 OK". In the event there is a long-running outage on the client’s side, upon retry, there is not guarantee that the callback messages are sent sequentially. If a "200 OK" is recieved from a client’s system for a given callback message, a replay of that message again is not supported.

ACH transaction processing - holidays/weekends

• If the account is set up for revaluation, the system will update the value date automatically in case there is a holiday.
• If the account is not set up for revaluation, the system will reject the transaction if it falls on a holiday.
  

Sponsored accounts

• You should populate the Ultimate Debtor field with a "JPMorgan/your company" reference.
•  Ultimate Debtor overrides Debtor in clearing if you include both values.
• Note that sponsored accounts can only be booked in the United States.

Next Steps