J.P. Morgan Embedded Payments
J.P. Morgan Embedded Payments is an API for platforms integrating account management and payouts into an existing service.
What J.P. Morgan Embedded Payments is
J.P. Morgan Embedded Payments is an API for platforms integrating account management and payouts into an existing service. A single integration can onboard clients, manage accounts and funds, and trigger payouts. J.P. Morgan handles identity verification and due diligence during onboarding, with account and entity checks that may use direct data checks, microdeposits, name matching, identity details, and screening.
The account options include limited client accounts, virtual transaction accounts, and platform operational accounts. Virtual accounts help reconcile funds due to or received from counterparties. Documented payout methods include ACH, wire, RTP, FXACH, FXWIRE, and Push to Card; RTP and Push to Card are listed as immediate settlement methods. Their stated transaction limits are $1,000,000 and $125,000 respectively, with a lower Push to Card limit available on request. The cloud service supports webhooks and network tokenization, plus card, selected wallet, browser, and third-party network tokens. Pricing is on request. API testing requires a developer account, employer certificate exchange confirming test-environment access, and an active project with the API enabled.
Good
- One integration covers onboarding, accounts, funds, and payouts.
- Supports six documented payout methods.
- Virtual accounts help reconcile counterparty funds.
- Supports webhooks and network tokenization.
- Linked accounts can be checked for ownership and payment eligibility.
Watch out
- Pricing is available on request.
- API testing requires an enabled portal project and test access.
- RECIPIENT payees cannot be paid from LIMITED_DDA accounts.
- ACH debits require selecting a correct SEC code.
Who it suits
It suits platforms that need account management and payout services within an existing product. Businesses should also account for the stated onboarding checks and API testing prerequisites.
Verdict
J.P. Morgan Embedded Payments brings account management and multiple payout options into an API for platforms. Before integration, review the account restrictions, ACH requirements, and test-access prerequisites.
Plans and prices
From J.P. Morgan Embedded Payments's own pricing page, checked 4 Oct 2026.
| Plan | Price | What it gives you |
|---|---|---|
| J.P. Morgan Embedded Payments | Priced on request | Pricing not stated on the opened product pages; contact J.P. Morgan to start integration |
The facts
Each one read from J.P. Morgan Embedded Payments's own pages, with the date it was checked.
What it does
- Account types
- It supports limited client accounts and virtual transaction accounts, along with platform operational accounts.checked 4 Oct 2026
- Account validation
- Linked external accounts are checked with an Account Validation Service to confirm they belong to the named party and can receive payments.checked 4 Oct 2026
- ACH requirements
- Businesses must select the correct SEC code for each ACH debit; supported codes listed are CCD, PPD, WEB, and TEL.checked 4 Oct 2026
- 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.checked 4 Oct 2026
- Client verification
- J.P. Morgan conducts identity verification and due diligence during client onboarding.checked 4 Oct 2026
- 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.checked 4 Oct 2026
- Intended users
- The overview describes the APIs as designed for platforms that want to integrate account management and payout services into an existing platform.checked 4 Oct 2026
- 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.checked 4 Oct 2026
- 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.checked 4 Oct 2026
- Purpose
- The API lets platforms onboard clients, manage accounts and funds, and trigger payouts through a single integration.checked 4 Oct 2026
- Recipient restriction
- Clients cannot pay a RECIPIENT type third-party payee from a LIMITED_DDA account.checked 4 Oct 2026
- 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.checked 4 Oct 2026
- 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.checked 4 Oct 2026
- Virtual accounts
- Virtual transaction accounts can track and reconcile funds owed and received for counterparties.checked 4 Oct 2026
The company
- Founded
- 1799checked 28 Sep 2026
- Headquarters
- New York City, New York, United Stateschecked 28 Sep 2026
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