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Payment Optimization

The more card payments you accept, the more you need to balance revenue and efficiency.

J.P. Morgan’s payment optimization framework can help you continuously monitor, benchmark and optimize revenue, cost and risk.


Quickly detect issues related to payment methods, approval rates, cost of payments and dispute resolution.


Measure and compare your payment performance against relevant and best-in-class industry standards.



Take action to optimize your payment mix, approval rates, interchange qualifications and chargebacks.


How we deliver measurable long-term results:


Proprietary Data Insight


Proprietary Data Insight

Derived from $1.5 trillion in annual merchant processing volume and $1.1 trillion of Chase-issued card volume.1


Proactive Consultation


Proactive Consultation

Teams of payment advisors and data scientists to help you identify, measure and achieve performance improvements.



Digital Innovation


Digital Innovation

From ChaseNet closed-loop processing to actionable data analytics, your needs prioritize our technology stack.

Approving the Most Payments at the Lowest Possible Cost
Learn how J.P. Morgan’s unparalleled issuing and acquiring transaction data enables our clients to continuously monitor, benchmark and optimize payment performance.
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1 Source: 2019 JPMorgan Chase & Co. annual report.