Low Value and ACH Payments

Overview

With this API, you can issue low value and ACH payments in the following regions:

• United States and Canada (NA)
• Europe, Middle East, and 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 will continue indefinitely until we receive a 200 OK. 
• In the event of a long-running outage on the client’s side, upon retry, there is no guarantee that the callback messages are sent sequentially. 
• If a 200 OK is received from a client’s system for a given callback message, a replay of that message is not supported.

Third-party payment processing (TP3) SEPA flows

In addition to standard SEPA flows, we now support third-party payment processing (TP3) SEPA flows. TP3 payments are transactions where you are providing payment services to your underlying customers or merchants. For more information, please reach out to your service representative.

ACH transaction processing on holidays and weekends

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

Next steps