Payables

Increase payment efficiency, security and reliability with J.P. Morgan. Recently recognized as the Best Overall Bank for Payments and Collections in North America¹, we are dedicated to offering a comprehensive range of electronic, card and paper-based payables solutions to help you reduce resource costs and payment risk.

As Much as $5.05 trillion in U.S. Dollar Wire Transfers Processed Daily - More Than $55 Million per Second
#1 in ACH Originations – Total, EDI Initiated Payments, and EDI Initiated Electronic Payments - Ernst & Young, 2008
#1 in CHIPS, Clearing House for Interbank Payments, 2008
#1 in Fedwire, Federal Reserve, 2008
"A" or "A+" Ratings in ACH, Balance Reporting, Controlled Disbursement, Deposit Services, Wholesale Lockbox and Funds Transfer Timeliness Among Large Corporates, Phoenix-Hecht Cash Management Monitor, 2008
#1 in Purchasing Cards - Transaction Dollars, Ernst & Young Survey, 2007, 2008
#1 Visa®/Mastercard® Purchasing Card Issuer & Fleet Card Issuer (dollar volume) Nilson Report, June 2008
Approved provider of GSA SmartPay® payment services to U.S. federal government agencies

¹ Best Overall Bank for Payments & Collections - North America, Global Finance, 2008

Automated Clearing House (ACH)

For 34 years, J.P. Morgan has led our industry as the #1 ACH originator. We are also proud to be ISO 9001 certified, which demonstrates our unique commitment to providing exceptional customer service and enabling timely, quality transactions.

Check Disbursement

Our paper check solutions offer a variety of services to improve funds management, information access and control. Streamline reconcilement processes and gain transparency in your transactions.

Commercial Cards

Manage your procurement, travel and other organizational expenses through versatile card controls, online functionality and data integration into your accounting system. We offer a full suite of commercial card payables solutions that are fully customizable to your requirements.

Debit Cards

Whether you're in the public or private sector, our solutions allow you to manage payroll, benefits distribution, incentive and rebate programs and other organizational expenses through versatile card controls, online functionality and data integration into your accounting system.

Electronic Payables

Initiate domestic and global payments via wire, ACH, and draft electronically to vendors, customers and employees to eliminate paper processing costs, delays and inconvenience. In addition, effectively manage your currency exposure.

Foreign Exchange

An increasingly complex world offers new challenges and opportunities. As one of the leading global banks in foreign exchange, J.P. Morgan has the capabilities and expertise to help you navigate across any border.

Healthcare Link for Payers

Our suite of services automates and integrates all aspects of payment and remittance advice processing for health insurers.

Order-to-Pay

J.P. Morgan's Order-to-Pay automates purchase order delivery, invoice and payment processing, and discount management. By connecting buyers with their suppliers across a secure settlement network, the service automates transaction processing and optimizes working capital.

Payment Fraud Prevention

Managing risk is easier with our suite of services designed to help you identify fraudulent payments, block them from your account and give you review and control over incoming payments.

U.S. Dollar Clearing - Asia Direct

U.S. Dollar Clearing – Asia Direct revolutionizes how international payments are made. You gain direct access into multiple U.S. dollar clearing systems across Asia through a single J.P. Morgan Multicurrency Account. Intelligent routing technology also helps expedite your initiation-to-settlement cycle.