Payment Solutions

Payment Solutions

Providing optimal products and solutions for your payment needs.

Merchant services solution

SOLUTIONS AT A GLANCE

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Connectivity

Connecting merchant environment to J.P. Morgan and third-party systems.

You want to increase sales and your online customers want to securely pay with the leading credit and debit card types. We help simplify and secure the transaction process and make integration seamless.

Digital, Integration and Certification Features:

  • Orbital Payment Gateway – Establish secure online transaction processing in a true one-stop-shop environment. The Orbital suite of products is fully customizable – you can select the services to add to your Gateway account that best meet your business needs. We provide all service, support, processing, technology and billing.
  • Hosted Pay Service – Protect your customers' payment account data while providing the flexibility to create a seamless checkout experience. The consumer enters payment data directly into our secure servers, so your company never has to receive or store this data. This simple integration can be implemented as a payment page or iframe depending on the desired consumer experience.
  • Developer Center – This self service portal makes it quick and easy to integrate your applications with our APIs and SDKs. Documentation and technical specs for platforms and products are available right here.

Our terminal options let you accept credit or debit card payments in the store or on the go. As an industry leader, you can count on us to offer the latest technology, strong security, exceptional uptime and 24/7 customer support. Let our knowledgeable staff assist you with selecting the right solution for your business.

Terminal Features:

  • Wired and Wireless counter-top terminals – No matter your industry or business, we have the point-of-sale equipment you need to make card processing a seamless part of your sales and operations. Whether you need terminals that are wired or wireless, we enable you to process EMV chip credit and debit card transactions, PIN debit, gift cards, contactless payments and select mobile wallet sales.
  • Online POS Terminal – The Online POS Terminal makes it easy to accept credit and debit EMV chip cards through your PC. Whether you are accepting credit and debit card payments for the first time, need to replace your current POS terminal or could use an additional payments solution, Online POS Terminal is right for your business.
  • Virtual Terminal – Collect credit card orders by phone, or via mail, then log onto Orbital Virtual Terminal on your computer. From there, you can initiate card authorizations or refunds, settle authorized transactions and perform transaction and account administration.
  • Chase Mobile Checkout – Allows you to accept EMV (chip) credit and signature debit cards wherever your business takes you. All you need is a mobile device with the Chase Mobile Checkout app, our card reader and a merchant services account with J.P. Morgan.

Keeping up with the latest advancements in technology is no easy feat, but with J.P. Morgan as your partner, you don't have to. We offer a full spectrum of connectivity options to support your card processing needs.

 

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Processing

Supporting transactions from authorization and settlement.

You don't want to turn away customers because you can't support their preferred payment methods. With J.P. Morgan, you get access to a range of payment methods allowing your consumers to pay through the most popular methods available.

Method of Payments Features:

  • Digital Wallets – Give your customers a private, secure and simple way to pay in stores and within apps. With our products, you can accept a variety of digital wallets, including Apple Pay®, Samsung Pay, Google Pay and Chase Pay®. Software development kits (SDKs) allow you to integrate these digital wallets in your mobile apps.
  • Electronic Check Processing (ECP), or eCheck – directly debit or credit consumer and business bank accounts for payment of goods or services giving you all the convenience to accept payments at the point of sale, online, via mobile device and over the phone.
  • Purchasing Cards – ensure you are processing corporate, purchase and government cards at the best interchange levels. Level II and Level III (also known as Data Rate 2 and Data Rate 3) are interchange categories designed to give qualified businesses a break on their interchange fees – sometimes lower than non-Level II/III standard interchange rates.

Payment acceptance can be complex and costly. Fee increases, inflexible rules and regulations, and fragmented payment structures can make it difficult to predict and manage operational costs over time. That's why we offer ChaseNet, Chase's payment network for Chase issued Visa credit and signature debit card payments as well as Chase issued PIN debit cards. With ChaseNet, payments are processed directly by Chase, which can generate real value for your business through simplified and predictable pricing.

Depending on your business size and location, ChaseNet can deliver the following benefits:

  • Single, fixed rates for Chase credit, signature debit and PIN debit payments
  • Pricing guaranteed for the term of your contract
  • Foundation for future Chase payment innovations, including Chase Pay
  • Chase's unique, closed-loop payment network

International payments let you extend your reach and grow your business. With J.P. Morgan, you can conquer currency confusion by processing payments in more than 130 currencies. In addition to the United States and Canada, we provide international payment solutions for clients domiciled in over 22 European countries.

International Payment Features:

  • Expand Your Market with Euro Processing and European Direct Debit – simplify your pricing and expands your market to a number of European countries. Your customers enjoy the convenience of paying for goods and services in their local currency.
  • Gain Access to Maestro® Cardholders Worldwide – Maestro's growth in Europe is rapid, with more than hundreds of millions carrying the Maestro brand to date. Consumers in the United Kingdom, Ireland, Spain, Belgium and Austria can already complete online purchases using their Maestro cards.
  • Process Japan's Preferred Credit Card, JCB – We help you expand your market to new U.S. and Japanese customers. There's no better time than now for you to tap into Japan's high-end, international Internet-savvy market. Be one of over 28 million1 merchants worldwide to accept the JCB Card.

Increase operational efficiencies with our enhanced services capabilities. Reduce the need for manual processes, while improving your security and your customer's experience.

Enhanced Services Features:

  • Customer Profile Management – securely store your customer data off-site, eliminating the need to re-key or store account data for repeat customer purchases. When a customer profile is created, transactions can be processed by using an assigned profile number. It's simple, safe and secure.
  • Managed Billing – Used in conjunction with Customer Profile Management, Managed Billing enables you to offer recurring, deferred and installment billing. You can choose optional email alerts to communicate with your customers and receive customized reporting to help optimize your flexible payments program.
  • Account Updater – protect your customer relationships by quickly and easily updating their payment account information. Card account information changes for many reasons – such as card expirations, lost or stolen cards, upgrades or portfolio conversions. Improve card approval rates, prevent missed payments, customer inconvenience or subscription cancellations by keeping payment card data up to date.

Chase Pay (hides following content on page)

 

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Security

Helping to protect against breaches and combatting fraud.

No matter what your business, these days payment fraud is a factor. So how do you retain legitimate sales while preventing fraudulent transactions? Using fraud prevention strategies can help save both your reputation and your bottom line.

Our fraud solutions fully integrate with your payment processing, providing greater visibility into sophisticated fraud patterns. Advanced capabilities include proxy piercing and geolocation, which can pinpoint a transaction's origin in real time, and dynamic order linking, which can analyze orders for fraudulent characteristics.

Fraud Management Features:

  • Real-time and historical order comparisons and decision-making – eliminate the need for manual reviews.
  • Real-time information on both the physical location of the consumer and the computer or mobile device used to make the purchase.
  • Advanced transaction risk "scoring" – reduce rejection of "good" transactions, resulting in fewer lost sales – and reduced revenue loss.

Our fraud solutions can help your business minimize lost sales and the associated costs of combating fraud – including time-consuming manual transaction analysis.

Encryption can be a cost-effective solution for your data security and Payment Card Industry (PCI) compliance needs. It encrypts and protects your customer card data at the moment a card is swiped or card number is captured in a format that works with your existing POS system.

Vulnerable card data is not stored on your network – providing true security and peace of mind. If a breach does occur, encrypted payment data is of no use to identity thieves. The entire process is seamless and invisible to your customers who use their cards to pay for goods and services.

Encryption Tools Features:

  • Seamless integration with most POS systems or easy stand-alone terminal use – eliminating service disruption.
  • Reduction to PCI compliance scope – no need to store unprotected cardholder data in your POS system.
  • A more secure solution than software-based technology.
  • Secures all types of payment transactions – swiped, contactless and manually keyed transactions.

Page encryption may help you reduce the burden of managing cardholder data security. It securely captures data in your customer's browser, so that it doesn't enter your network.

Page Encryption Features

  • Secure customer payment data throughout the payment cycle.
  • Potentially reduce the cost and burden of PCI compliance.
  • Minimize modifications to existing software and databases.
  • Fully control your brand and website throughout the checkout process.

Page encryption often requires minimal modifications to your existing software and databases prior to deployment. In addition, rather than sending purchasers to a third-party site for encryption, our solution enables you to maintain control of your brand throughout the purchasing experience.

Protect your customer's payment data. Tokenization replaces your customer's payment account data with a token (a value that cannot be converted back to card or account information within your network). The token functions within your internal systems just as the actual card number would. Unlike other tokenization solutions on the market today, our tokenization service removes your responsibility for maintaining the token database, since we manage it for you.

This means that you can:

  • Avoid storing sensitive data that could be targeted by hackers
  • Reduce or potentially avoid the cost of external database hardware and software acquisition and/or licensing and replication software
  • Reduce database growth, which can cause performance degradation and replication and backup issues
  • By avoiding both transmission and storage of cardholder data, you can protect your customer payment account information both in transit and at rest — two factors that help determine your level of Payment Card Industry Data Security Standards (PCI-DSS) scope. This may help meet your PCI DSS compliance requirements.

 

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Insights

Insights to optimize and understand your business.

Receive web-based access to the information your business needs. Get quick access to your transaction data, advanced web-based reporting, an online chargeback management interface and optional fraud management tools. Use the data to manage your bottom line and make more informed decisions about your payments processing now and in the future.

Online Reporting Features:

  • Access comprehensive reporting – Reconcile your payment operations using daily, weekly or monthly financial reports.
  • Increase efficiency – Save time by managing your chargebacks online instead of through the mail and answer customer service inquiries with 24/7 access to comprehensive transaction data.
  • Reduce expenses – Identify and reduce unnecessary costs resulting from processing errors, downgrades and chargebacks; and address outstanding retrievals before they turn into costly chargebacks.
  • Enhance security – Control the level of access your employees have to critical customer and business-related information and use customized fraud filters to help you manage your risk.

Have constant access to your financial and transaction data, and up to six months of historical information available at any time. Our advanced transaction history search capabilities help you quickly obtain the detailed information you need to manage your business.

Reduce the time and effort it takes to respond to chargebacks and retrieval requests with our online chargeback management system. We post all chargebacks and retrieval requests to your interface, which lets you accept or reject chargebacks, upload supporting documents or assign cases to your chargeback analysts. Plus, you can track the status of all chargebacks and measure the efficiency of your chargeback processes and personnel.

Online Chargeback Management Features:

  • Simplify chargeback management with an easy to use online system.
  • Reduce manual processing by uploading chargeback documents.
  • Minimize paper processing and mailing costs.

This tool is available via our online reporting suites, and is accessible 24 hours-a-day. Our online reporting and chargeback management tools are browser-based, so all you need to get started is a computer, a browser such as Internet Explorer, an Internet connection, scanner and a valid email address.

 

Contact Us

Contact a representative below or call 800-708-3739

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Web Terminals


ORBITAL VIRTUAL TERMINAL

Securely manage online, telephone, or mail order payments with Orbital® Virtual Terminal. That includes card authorizations, settlements or refunds.

ITERMINAL®

Online Payment Terminal allows you to process payments from your PC or laptop, just as you would with a point-of-sale terminal.

ONLINE POS TERMINAL

Online POS Terminal uses a PIN pad to process EMV payments from your PC or laptop.

Online Reporting


PAYMENTECH ONLINE

Paymentech Online allows multi-channel and large e-commerce merchants to manage their account online.

RESOURCE ONLINE

Resource Online allows small businesses and larger retail and card-present merchants to manage their account online.

For Developers


DEVELOPER CENTER

This self service portal makes it quick and easy to integrate your applications with J.P. Morgan APIs and SDKs. Start your build and test it in the Developer Center.

1© 2017 JCB International Credit Card Co., Ltd.

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© 2016 Samsung Electronics America, Inc. Samsung, Samsung Pay, Samsung Galaxy, Samsung Knox, Galaxy S, Samsung Galaxy S7, S7 active, S7 edge, S6, S6 active, S6 edge, S6 edge+, and Note 5 are trademarks or registered trademarks of Samsung Electronics Co., Ltd. Use only in accordance with law. Other company and product names mentioned may be trademarks of their respective owners. Screen images are simulated; actual appearance may vary. Contact your bank or financial institution to verify that it is a Samsung Pay participant. Samsung Pay is available on select Samsung devices.

Android, Android Pay, and the Android Logo are trademarks of Google Inc.

Some J.P. Morgan products and services may not be available in certain regions. Please consult your J.P. Morgan representative to learn more about the products and services available to you.

 

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