J.P. Morgan Embedded Payments

Spec sheet

Purpose

The API lets platforms onboard clients, manage accounts and funds, and trigger payouts through a single integration.Read 4 Oct 2026 · developer.payments.jpmorgan.com

Intended users

The overview describes the APIs as designed for platforms that want to integrate account management and payout services into an existing platform.Read 4 Oct 2026 · developer.payments.jpmorgan.com

Support

The product page directs customers to their integration specialist or relationship manager for help and to sales if they are unsure which product fits.Read 4 Oct 2026 · developer.payments.jpmorgan.com

Headquarters

New York City, New York, United StatesRead 28 Sep 2026 · developer.payments.jpmorgan.com

Founded

1799Read 28 Sep 2026 · developer.payments.jpmorgan.com

Account types

It supports limited client accounts and virtual transaction accounts, along with platform operational accounts.Read 4 Oct 2026 · developer.payments.jpmorgan.com

Account validation

Linked external accounts are checked with an Account Validation Service to confirm they belong to the named party and can receive payments.Read 4 Oct 2026 · developer.payments.jpmorgan.com

ACH requirements

Businesses must select the correct SEC code for each ACH debit; supported codes listed are CCD, PPD, WEB, and TEL.Read 4 Oct 2026 · developer.payments.jpmorgan.com

API versioning

The API supports version prefixes, and the page says Accounts v2 and Transactions v3 are in beta and require contacting the team to start integration.Read 4 Oct 2026 · developer.payments.jpmorgan.com

Client verification

J.P. Morgan conducts identity verification and due diligence during client onboarding.Read 4 Oct 2026 · developer.payments.jpmorgan.com

Fraud validation

J.P. Morgan describes API-driven account and entity validation, using methods such as direct data checks, microdeposits, name matching, identity details, and screening.Read 4 Oct 2026 · developer.payments.jpmorgan.com

Payout limits

The page lists an RTP transaction limit of $1,000,000 and a Push to Card limit of $125,000, and says a lower Push to Card limit can be requested.Read 4 Oct 2026 · developer.payments.jpmorgan.com

Payout methods

Documented payout methods include ACH, wire, RTP, FXACH, FXWIRE, and Push to Card; RTP and Push to Card are listed as immediate settlement methods.Read 4 Oct 2026 · developer.payments.jpmorgan.com

Recipient restriction

Clients cannot pay a RECIPIENT type third-party payee from a LIMITED_DDA account.Read 4 Oct 2026 · developer.payments.jpmorgan.com

Testing prerequisites

Trying the API requires a J.P. Morgan Payments developer account, employer certificate exchange confirming Client Test Environment access, and an active portal project with the API enabled.Read 4 Oct 2026 · developer.payments.jpmorgan.com

Virtual accounts

Virtual transaction accounts can track and reconcile funds owed and received for counterparties.Read 4 Oct 2026 · developer.payments.jpmorgan.com

Plans and prices

Every J.P. Morgan Embedded Payments plan and price →

Where Specifiction places it

• Embedded Payments Platforms#21 of 287.2