From startups to legacy brands, you're making your mark. We're here to help.
Key Links
Prepare for future growth with customized loan services, succession planning and capital for business equipment.
Key Links
Serving the world's largest corporate clients and institutional investors, we support the entire investment cycle with market-leading research, analytics, execution and investor services.
Key Links
Providing investment banking solutions, including mergers and acquisitions, capital raising and risk management, for a broad range of corporations, institutions and governments.
Your partner for commerce, receivables, cross-currency, working capital, blockchain, liquidity and more.
Key Links
A uniquely elevated private banking experience shaped around you.
Whether you want to invest on your own or work with an advisor to design a personalized investment strategy, we have opportunities for every investor.
For Companies and Institutions
From startups to legacy brands, you're making your mark. We're here to help.
Serving the world's largest corporate clients and institutional investors, we support the entire investment cycle with market-leading research, analytics, execution and investor services.
Your partner for commerce, receivables, cross-currency, working capital, blockchain, liquidity and more.
Prepare for future growth with customized loan services, succession planning and capital for business equipment.
Providing investment banking solutions, including mergers and acquisitions, capital raising and risk management, for a broad range of corporations, institutions and governments.
For Individuals
A uniquely elevated private banking experience shaped around you.
Whether you want to invest on you own or work with an advisor to design a personalized investment strategy, we have opportunities for every investor.
Explore a variety of insights.
Key Links
Insights by Topic
Explore a variety of insights organized by different topics.
Key Links
Insights by Type
Explore a variety of insights organized by different types of content and media.
Key Links
We aim to be the most respected financial services firm in the world, serving corporations and individuals in more than 100 countries.
Key Links
By Gudmundur Gudmundsson
Executive Director, J.P. Morgan Merchant Services
By Gudmundur Gudmundsson
The world of payments looks dramatically different than it did even a decade ago, and the pace of change is quickening as e-commerce expands, customer behaviors shift and digital payments grow in popularity.
It’s impossible to predict what the next decade will bring, but behind all new developments in e-commerce and payments are APIs.
Short for application programming interface, APIs are services that simplify the secure exchange of data between digital platforms. APIs make it easy for people to upload photos to Facebook from their mobile devices and to earn and use credit card rewards on e-commerce websites and apps. This technology is enabling businesses to blend capabilities to unlock more strategic value from payments by helping them create more seamless and personal customer experiences.
Payment technology is no longer strictly the domain of finance teams. Increasingly, APIs are the building blocks for brands to deepen customer relationships by connecting consumer payment preferences to products and services. They also help develop new strategic partnerships and uncover new opportunities where few existed before.
Consumers and commercial clients alike have grown used to the seamless convenience of completing transactions with a single swipe, click or flash of their phones. Friction at the point-of-sale translates to abandoned carts and lower conversion rates.
Payment APIs are key for frictionless check-out by providing instant access to sophisticated payment services. Taking it a step further, APIs also make it possible for merchants to add other data services during check-out, such as closing gaps in contact information, identify the best shipping options and avoid declines or errors that detract from the customer experience. In the background, merchants can leverage yet another set of APIs for authentication and fraud purposes, invisible to the consumer.
The same experience that helps a customer through the checkout process is also critical for getting them to return. Rich payment APIs drive customer loyalty through the ease of use at the point of purchase. Why? Consumers will choose the merchant that they trust from past transactions, particularly if they can complete a purchase without having to re-enter payment and personal information.
Customers want more personalized and relevant offers and suggestions—but that requires data. APIs make it easier for merchants to retain consumer data and learn more about the customer preferences. With a more complete picture of customers, merchants are able to better anticipate their needs, make targeted recommendations, and ultimately improve incremental sales and loyalty.
More consumers—particularly younger demographics—are embracing in-app purchases, and that trend has gained momentum as a result of social distancing measures. In April, In-app purchase revenue jumped 22% during a two-week period, as U.S. consumers increased their mobile usage while being stuck at home during the coronavirus pandemic, according to a study by marketing analytics firm AppsFlyer.
APIs are the building blocks of in-app purchases. They work behind the scenes to make transactions seamless, from inventory selection and fulfilment to payment and shipping.
Managing cash flow requires looking at receivables and payables, accessing liquidity and making accurate forecasts. Cash management APIs improve every facet of the treasury operations.
Payment APIs reduce financial regulatory compliance liability for merchants in myriad ways. APIs are driven by a sets of rules that can be configured and updated to meet any compliance requirements. With the right APIs, companies can limit risk, protect customer data, and in the process, and safeguard their reputations.
At the end of the day, building value isn’t just about the right marketing, merchandising and customer experience: It’s about putting together all of these pieces—and in a way that instills trust in the marketplace. APIs are a critical part of that equation.
To be sure, the rapid pace of development in payments should be a top priority for merchants, especially now that e-commerce adoption is racing ahead. Given all that’s at stake, it’s important to work with trusted partners with capabilities in many areas.
As a leading e-commerce payment processor serving many of the world's leading brands, J.P. Morgan helps merchants deploy the best technology, drive revenues and improve their consumer experiences. We work with our merchants and their partners to maximize the value of payment APIs by keeping them continuously updated with the latest technology while offering global payment and e-commerce expertise.
Payments
How fast bank payments are helping to modernize public sector disbursements
Jun 27, 2025
Drive efficiencies, deliver better constituent experiences and expand your reach with card-based disbursements to bank accounts.
Payments
2025 Commodities market trends, insights and solutions
Jun 25, 2025
As we explore the 2025 trends in the natural resources and agriculture sectors, J.P. Morgan Trade & Working Capital is committed to guiding clients through industry and global landscape changes with adaptable solutions that help strengthen their businesses.
Payments
Prysmian transforms treasury operations with AI-powered treasury insights
Jun 23, 2025
Discover how Prysmian automated global cash flow forecasting, reduced manual work by 50% and saved $100K annually with J.P. Morgan Payments Cash Flow Intelligence.
Payments
Navigating the ISO 20022 payment message transition with J.P. Morgan
Jun 19, 2025
With the November 2025 deadline fast approaching, financial institutions are urged to facilitate their ISO 20022 migration plans. As an early adopter, J.P. Morgan is here to assist with planning, implementation and ongoing support.
Payments
Driving innovation: Inventory finance in the automotive supply chain
Jun 11, 2025
The auto industry's shift to software-defined vehicles and autonomy heightens its reliance on semiconductors. Learn how top enterprises manage supply chain complexities to stay competitive through this digitized evolution.
Payments
Masterworks automates currency conversion for frictionless cross-border investments
May 29, 2025
Learn how art investment platform Masterworks is automating currency conversion and local payment processing using J.P. Morgan Payments.
Payments
How to protect your organization from check fraud
May 21, 2025
Check fraud remains an attractive target for fraudsters. Do you know how to prevent it?
Payments
Amtrak enhances cash forecasting using Cash Flow Intelligence
May 15, 2025
Learn how the national passenger railroad company improved cash flow forecasting using J.P. Morgan Payments Cash Flow Intelligence.
You're now leaving J.P. Morgan
J.P. Morgan’s website and/or mobile terms, privacy and security policies don’t apply to the site or app you're about to visit. Please review its terms, privacy and security policies to see how they apply to you. J.P. Morgan isn’t responsible for (and doesn’t provide) any products, services or content at this third-party site or app, except for products and services that explicitly carry the J.P. Morgan name.