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 $58 Million per second
  • #1 in ACH Originations – Total, Ernst & Young Survey, 2000 – 2011
  • #1 in CHIPS, Clearing House for Interbank Payments, 2002 – 2011
  • #1 in combined Fedwire and CHIPS volume, Federal Reserve, 2002 – 2011
  • "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, 2010
  • #1 Visa®/Mastercard® Purchasing Card Issuer & Fleet Card Issuer (dollar volume) Nilson Report, 2011
  • Approved provider of GSA SmartPay® payment services to U.S. federal government agencies

Automated Clearing House (ACH)

For more than 37 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 Disbursements

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.

Cross-Currency Payment Services

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.

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.

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

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.

Payments 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.

Prepaid Cards

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.

Reference Accounts

Your financial institution can open Reference Accounts with J.P. Morgan to support the needs of your corporate clients, providing you with account services where your institution does not have access to local markets and clearing systems.

Self-Serve Inquiry and Resolution Management

You can service, report and track issues involving incoming and outgoing funds transfers and ACH U.S. Dollar origination transactions — all online 24 hours a day, seven days a week from your desktop, laptop or wireless device.

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.

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