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
Institutional Investing
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.
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.
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
With the shift to an online, digital-first economy, 3PM has sparked an exciting new frontier of extended responsibility and immense opportunity for treasurers. At the same time, it is adding intricacies for treasury management, as it is different from handling corporate cash, which carries additional obligations.
In response, liquidity techniques, including notional pooling, need to be appropriately configured to comply with the applicable safeguarding requirements. With a 3PM-specific design, it is possible to integrate corporate and third-party fund flows into a single multicurrency notional pooling arrangement in full compatibility with safeguarding requirements. The result is the ability to continue to operate at maximum efficiency even when new obligations are concerned, achieving key benefits such as:
J.P. Morgan is an industry leader, and we understand that managing the 3PM landscape across markets involves different licensing requirements and safeguarding regulations. That’s why we brought together our vast expertise, knowledge and capabilities to help businesses, like yours, navigate smoothly through this changing environment. The result is an innovative liquidity solution which creates a multicurrency management tool specifically designed for the management of 3PM payments flows. Together, we can implement this first-of-its-kind solution that offers improved 3PM liquidity efficiency, while enabling you to manage your safeguarding requirements.
Drive growth with multicurrency 3PM notional pooling
Take, for example, a global company that operates a digital commerce platform, connecting buyers with merchants of goods or services that do not originate entirely — or at all — from them. It handles funds denominated in various currencies that belong to third parties (i.e., the merchants) from numerous jurisdictions and countries around the globe.
In order for the company to consolidate multiple currencies within a single liquidity structure, enable netting and keep a single liquidity position across the fund flows, they can rely on the 3PM notional pooling solution. This tailored product design centers on the compatibility between managing safeguarding obligations and the operational benefits of notional pooling. In short, it allows businesses, like yours, to run at optimal efficiency across multiple currencies of 3PM flows.
3PM notional pooling: How it works
Third-party money notional pooling: How it works
Notional pooling of third-party money provides central control on funding and safeguarding.
The notional pool may consist of multiple currencies, such as European Union euros, British pound sterling and U.S. dollars, as well as other currencies.
Funds collected from buyers and merchants enter the notional pool.
Payments to buyers and merchants exit the notional pool.
Treasury funds may be moved into the pool to meet funding requirements.
The result is the creation of a multicurrency ecosystem for the management and security of 3PM payments flows. It’s an exciting way to meet the demands for better organization of these funds in a multicurrency notional pooling solution, thereby helping your business to thrive.
icon
Loading...
Payments
Madhav Kalyan: How payments can protect the core
Jul 24, 2024
At the recent J.P. Morgan China Payments Innovation Summit, Madhav Kalyan, APAC head of Payments, discussed opportunities in payments, the bank’s continuous investment in innovation and how it is transforming the future of payments and financial services.
Payments
Highlights from the 2024 J.P. Morgan E-Commerce and Fintech Forum
Jun 28, 2024
The J.P. Morgan EMEA E-Commerce and Fintech Forum brought together experts from across the fintech ecosystem to discuss the future of payments and how best to navigate 2024 and beyond.
Payments
Understanding the requirements to apply for a corporate credit card
Jun 27, 2024
Find out if your organization is eligible for a corporate card, then prepare documentation to apply.
Payments
Choosing the right credit card for your startup
Jun 27, 2024
Startups have unique, complex financial needs, and corporate and business cards can be powerful tools that simplify financial operations.
Payments
J.P. Morgan joins the MACH Alliance, advocating for open, best-of-breed technology
Jun 13, 2024
J.P. Morgan is a Supporter member, a category for leading organizations to share unique thought leadership and innovations on the future of enterprise technology.
Payments
Highlights: J.P. Morgan Payments at EBAday 2024
Jun 12, 2024
You want a fast, simple and secure way to send and receive cross-border payments. We can send in 120+ currencies and receive in 40+, across 160+ countries.¹ ² ³
Payments
Studio Science joins the J.P. Morgan Payments System Integrator Program
May 17, 2024
J.P. Morgan Payments is adding Studio Science, a customer experience consultancy, to the program to help joint clients with payments strategy and implementation.
Payments
How to protect your organization from check fraud
May 14, 2024
Check fraud remains an attractive target for fraudsters. Do you know how to prevent it?
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.