Payment Solutions

Payment Solutions

Providing optimal products and solutions for your payment needs.

People discussing a project

SOLUTIONS AT A GLANCE

eu-merchant-services-connectivity.jpg

Connectivity

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

Digital, Integration and Certification (displays following content on page)

You want to increase sales and your online customers want to securely pay however and whenever they like. 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 through our fully integrated modular product suite. The Orbital suite of products is fully customisable—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.
  • Dynamic Hosted Payments Page—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.

Orbital® Virtual Terminal (hides following content on page)

Terminal Features:

  • Collect credit card orders by phone, or via mail, then log onto Orbital® Virtual Terminal on your computer. From there, you can initiate card authorisations or refunds, settle authorised transactions and perform transaction and account administration.

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.

 

eu-merchant-services-processing.jpg

Processing

Supporting transactions from authorisation to settlement.

Payment Methods (hides following content on page)

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.

Payment Method Features:

  • Digital Wallets—Give your customers a private, secure and simple way to pay in stores, online and within apps. With our products, you can accept a variety of digital wallets, including Apple Pay®, Android Pay.
  • Purchasing Cards—Ensure you are processing corporate and purchase at the best interchange levels.

ChaseNetSM (U.S. only) (hides following content on page)

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 ChaseNetSM for our U.S. domiciled customers, Chase's processing platform for Chase-branded Visa credit or signature debit card transactions. With ChaseNetSM, 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 in the U.S., ChaseNetSM 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
  • Chase's unique, closed-loop payment network

International Payments (displays following content on page)

As your business grows, so do the demands on your payments system. Global expansion increases the potential for treasury fragmentation and complexity. Many businesses need to accept foreign currencies both to expand their global presence and increase sales potential. As a leading provider of payment, fraud and data security solutions, J.P. Morgan is capable of authorising transactions in more than 130 currencies.

We offer a single-source secure system that enables you to manage growing volumes and accept payments from around the world.

In addition to the United States and Canada, we provide international payment solutions for clients domiciled in 22 European countries.

International Payment Features:

  • Leverage the power and scale of J.P. Morgan—Expand your market reach with Euro Processing and European Direct Debit and mitigate FX volatility with our currency services solution. 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 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 can help you expand your market to new Japanese customers. There's no better time than now to tap into Japan's high-end, international Internet-savvy market. Be one of over 28 million1 merchants worldwide to accept the JCB Card.

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

Enhanced Services (hides following content on page)

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 customised reporting to help optimise your flexible payment programme.
  • 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.

 

Merchant-services-security.jpg

Security

Helping to protect against breaches and combatting fraud.

Fraud Management Solutions (hides following content on page)

No matter what your business, these days payment fraud is a consideration. 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 analyse 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 customer and the computer or mobile device used to make the purchase.
  • Advanced transaction risk "scoring"—Lower rejection of "good" transactions, resulting in fewer lost sales and reduced revenue loss.

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

Encryption Tools (displays following content on page)

Encryption can be a cost-effective solution for your data security and Payment Card Industry (PCI) compliance needs. It greatly reduces the effects of a compromise by protecting your customer card data at the moment a card number is captured.

Vulnerable card data is not stored on your network—providing true security and peace of mind. If you experience a breach, 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:

  • Reduction to PCI compliance scope—No need to store unprotected cardholder data on your system. Secures all types of payment transactions.
  • Secures all types of payment transactions.

Page Encryption (hides following content on page)

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

  • Secures customer payment data throughout the payment cycle.
  • Potentially reduces the cost and burden of PCI compliance.
  • Minimises modifications to existing software and databases.
  • Fully controls 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.

Tokenisation (hides following content on page)

Tokenisation 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 tokenisation solutions on the market today, our 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 back-up issues.
  • 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.

 

Merchant-services-insights.jpg

Insights

Insights to optimise and understand your business.

Online Reporting Suites (hides following content on page)

Receive web-based access to the information your business needs. Get quick access to your transaction data 24/7, advanced web-based reporting and an online chargeback management interface and optional fraud management tools. Our optional customisable fraud management tools also incorporate robust analytics and expansive datasets to deliver greater accuracy while reducing manual reviews. 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. Our electronic flat file report delivery is available for clients who want to import data into their own internal systems.
  • Increase efficiency—Save time and provide better customer service through quick access to the transaction data that is critical to your business.
  • 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 with account number masking and role-based permissions.

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.

Online Chargeback Management (displays following content on page)

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.
  • Minimise paper processing and mailing costs.

This tool is available via our online reporting suites, and is accessible 24 hours-a-day.

ALREADY AN EXISTING CUSTOMER?

Contact us if you require advice, help or support.

Existing Merchant Service Customers

If you have a technical issue or a question about your merchant account, please call your Relationship Manager directly.
Alternatively, call our merchant support team on:

For Europe: +353 1 726 2909     UK: 0845 399 1130

Further information is available at any time through your Paymentech Online account.

Click the links below for secure access to your accounts.

Web Terminal


ORBITAL® VIRTUAL TERMINAL

Securely manage online, telephone, or mail order payments with Orbital® Virtual Terminal including card authorisations, settlements or refunds.

Online Reporting


PAYMENTECH ONLINE

Paymentech Online allows eCommerce merchants access to in-depth financial analysis 24 hours a day.

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.

Out of Courts Complaints and Redress Procedures

  1. Paymentech has in place complaint resolution procedures to settle complaints of Merchants arising from their rights and obligations under Parts 3 and 4 of the Payment Services Regulations 2018.
  2. If you have a complaint, please contact your Relationship Manager. Your complaint will be addressed in accordance with CPEL complaint policy, which we are happy to provide upon request.
  3. Alternatively, in the event of a complaint, a Merchant may refer the matter to the Irish Financial Services and Pensions Ombudsman or such relevant out-of-court complaint body or to such other competent out-of-court complaint body applicable to you in the country where you are established.
  4. You can contact the Financial Services and Pensions Ombudsman at:

Lincoln House,
Lincoln Place,
Dublin 2,
D02 VH29,
Ireland
Tel: + 353 1 567 7000
Email: info@fspo.ie
Website: https://www.fspo.ie

 

Copyright © 2018 JPMorgan Chase & Co. All rights reserved.