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Solutions
Find the right products and services to tackle your payment needs to optimize, grow, simplify and protect your business.
J.P. Morgan ChaseNet®
Discover simplified and predictable payment pricing you can count on
J.P. Morgan Commerce Solutions
Transform your business with the next generation suite of Payments services
Payment Facilitation
Integrate payments into your platform with one smart solution
Managed Omnichannel Solutions
Increase your speed to market and simplify your business processes
Optimize
Grow
Simplify
Protect
Optimize
Integrated, firm-wide tools and expertise provide you with a consultative approach and insights to help control your bottom line.
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Optimizing payments is critical to what we do. There's over 900 million transactions that flow through Chevron in any one year, and making sure we optimize that has a huge impact on a couple of things. Customer satisfaction, number one, because customers have to know that we're treating that payment securely, that their credentials aren't going to be stolen. And additionally, we generate a lot of revenue from card services. And so managing that, managing to the lowest cost, is hugely important to our P&L.
For the merchants of JP Morgan, it's critical to optimize. Working with the merchant to understand their payment processing, we were able to make a small change on how the merchant recycles transactions to help them get a million dollar lift in the revenue that they were receiving.
We've taken advantage of the data that's available on the JP Morgan platform to do debit routing and optimization and looking for cost savings around that and going out and find that data and using it in negotiations with our different partners.
At Southwest, we've incorporated the use of data here recently. We're focused on authorization success rate. And we utilize a lot of the data set to see how our operations are doing.
JP Morgan has been really instrumental in helping us understand what our optimal authorization rate should be. There have been many changes in the industry. And trying to understand and dissect the impacts of those changes has required a partnership with our relationship manager. It's gone a long way in helping us provide insights.
We expect absolutely the most from JP Morgan in helping us optimize the cost of our payments because there's many different avenues that can be taken to optimize payments. And we expect them to come to us and let us know if we're optimizing to the best of our ability and with options if we're not.
At JP Morgan, we are making a huge investment into data analytics. Payments is mainly a data-driven business. Being able to analyze data efficiently, having the right people to look at the outputs, and then advising our clients is where we see what we do best. It's that you create a very efficient workflow that detects these outliers on a very ongoing basis.
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World-class Coverage
We start with a coverage team that understands your evolving needs and helps you navigate the market.
Expert Payment Advisors
Our expert payment advisors speak the language of your industry, establishing payments as part of your business strategy by helping optimize cash flow and manage costs.
Single Provider Across the Payment Continuum
We offer a full suite of wholesale and retail payments solutions from pay-in to pay-out.
Integrated Reporting and Insights
Simplified, real-time access to integrated payment data, reporting and insights to enable more timely and informed decisions.
Online Reporting Suites
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 Suites 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.
Help 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.
Let a representative assist you.
Online Chargeback Management
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 Microsoft Internet Explorer®, an Internet connection, scanner and a valid email address.
Ready to talk Online Cost Management?
Let a representative assist you.
ChaseNet
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 platform 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:
- Take the guesswork out of your cost per transaction through transparent and predictable to pricing to offset your payment costs.
- Leverage Chase's unique, closed-loop payment platform.
- Receive a single rate for Chase Visa credit, a single rate for Chase Visa signature debit and a single rate for PIN debit transactions.
* Assumes transactions running over ChaseNet. ChaseNet fees will apply. Your ChaseNet rates are inclusive of assessments and other payment brands’ fees. Subject to credit approval and an executed Processing Agreement.
Ready to talk Integrated Banking Offering?
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Fraud Management Solutions
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 J.P. Morgan SafetechSM 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 Solutions features:
- Real-time and historical order comparisons and decision-making helping to reduce 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.
Ready to talk Fraud Management?
Let a representative assist you.
Enhanced Services
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.
Ready to talk Increased Authorization?
Let a representative assist you.
Unlock the Advantage
Learn about how we deliver exceptional value across the payments continuum.
Contact your J.P. Morgan representative today.

Unlock the Advantage
Learn about how we deliver exceptional value across the payments continuum.
Contact your J.P. Morgan representative today.
Grow
Reach new markets across the globe and new channels on the web with evolving solutions that transform with your business.
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JP Morgan has helped us grow tremendously with our payments. With Chase Pay, the guarantee is to the merchants, so it kind of takes the risk out of that particular transaction. Wakefern and our ShopRite stores have been doing this for a number of years, and it's been a business that has grown in leaps and bounds.
International expansion is something we talk about with almost every client. And as we're talking about our expansion and our growth, where we're targeting in terms of new locations, this is something that the clients want to talk about in terms of what is their long-term strategy, and how do we sync up. So this is a conversation we're having with almost every one of my clients.
Some of our biggest growth in terms of airport growth in the last 10 years has been international. We're up to 12 countries now, and we see that there's a market for us to expand beyond the US borders.
My favorite is actually location strategy. We can help a merchant understand what geographic regions do customers come from, how far do they travel. That can help a merchant optimize their local advertising, for example, or really think about where to open the next door, or where to not open the next door because all you do is cannibalize existing customer traffic.
We want to meet consumer needs. And consumer needs are changing. They want payments that are quicker, faster, easier. And so we're trying to introduce that as new payment methods come on board or taking existing payment methods and making those transactions seamless so that there is less friction and they can get in and get out.
It's no longer just that physical plastic. It is all about how you can speed up your payments. If you're a restaurant, it's order ahead. If it is brick-and-mortar, it's contactless. It's tap and go. In the world that we're in today, everything is about the now and how quickly can I make it happen. And merchants need to make sure that they're handling that as well.
JP Morgan is uniquely positioned to help clients grow and expand from a small business to hopefully when they aspire someday to become a public company.
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Established Global Market Solutions
US, Europe and Canada through a proven set of technology platforms.
Global Expansion
Giving your business access to new high-growth markets and acceptance of your preferred methods of payment.
Robust and Expanding Capabilities
To support your business' payment growth needs through improved connectivity, processing and reporting on existing platforms.
Portfolio Approach to Driving Technology Transformation
Leveraging a build, buy and partner approach to advance the building blocks of Merchant Services' capability set to better meet your payment processing needs today and for the future.
Electronic Check Processing (ECP)
Electronic Check Processing or an eCheck, 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
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.
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®, and Google Pay™. Software development kits (SDKs) allow you to integrate these digital wallets in your mobile apps. Visit our Developer Center for more information.
Let a representative assist you.
International Payments
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 Payments features:
Expand Your Market with Euro Processing and European Direct Debit
Simplify your pricing and expand 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 million merchants worldwide to accept the JCB™ Card.
Let a representative assist you.
Simplified access to the world’s fastest growing e-commerce markets and acceptance of locally preferred payment methods
- An integrated model for global payment enhances your ability to manage cost, complexity and risk.
- Acceptance of regionally preferred payment methods enables you to attract customers and grow sales.
- Flexible cross-border funding and access to J.P. Morgan’s global cash management and FX capabilities.
- Local market presence and expertise to help you anticipate and adapt to regulatory and consumer-driven change.
Simplify
Continuous improvement to the merchant experience through smart integration makes it easy to do business with us.
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As we invest in our platform of the future, it's very important that we ensure that it's flexible and adaptable to meet the needs that our clients will have in the coming years. It's very difficult to predict what the next payments boom will be like. But in order for us to be successful for our clients, we need to make sure that we have the flexibility, the adaptability to not only react timely but in often cases be ahead of the change in the payments ecosystem.
We expect JP Morgan to be a leader in the industry, so we would expect them to let us know what's going on in the industry first, which help us to be ahead of our competition.
We are here to help merchants accept payments in all countries and from all methods of payment. In the future, I believe payments are going to be even far more seamless than they are today.
One of the best things with working with JP Morgan is we've had a number of opportunities to test new ideas that we've had. And rather than making it complicated, JP Morgan has simplified that.
To keep it simple is sometimes not the sexiest approach. But it's ultimately the approach that wins the day in our distribution model. Southwest and JP Morgan work really well together in the evolving geopolitical landscape. JP Morgan worked hard to make sure that we were able to get our transactions accepted.
I'm very excited about the future of our payments. When you think about how our consumers behave, how our clients are even behaving, we're starting to see that it's very similar. So clients today are starting to look at how they can be more digital with their payments processes, making sure that they have those options to their customers. So as you think about things like mobiles, definitely going to be something that we're looking at how do we make it easier to do business with. But then also for ecomm and, again, point of sale, how do we leverage some of those mobile devices at the point of sale for our clients to make it easier for their customers to do business with them.
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Established Global Market Support
Provide better first-call resolution through advanced product support, call-center cross-training, and dedicated resolution teams.
Deliver the right operational expertise and access to service for our global clients.
Operational Excellence
Simplify onboarding and certification through new developer centers, improved APIs, enhanced SDK solutions, and streamlined processes.
Establishing proactive monitoring of our key processes to ensure that we find and fix issues quickly.
Digital, Integration and Certification
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. View Related Article. View page.
Hosted Pay Solutions
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. View Related Article. View page.
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. View page.
Merchant Services SDK
A merchant controlled software-build solution that can reduce costs associated with developing custom payments enabled applications. It is designed to be efficient, flexible and powerful while adapting to a variety of computing models. Key benefits include: simplify and speed integration, minimize programming effort and reduce risk of errors. View Page.
Terminals
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. View Related Article. View page.
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.
Let a representative assist you.
Expand and grow your business on a global platform that makes it easy to adapt to change and scale performance.
- Get up and running quickly with a predictable implementation and onboarding process
- Develop, test and deploy innovative API-enabled functionality
- Extend your reach across borders, sales channels and payment methods
- Reduce complexity with a single solution from payment authorization to funding
Protect
Comprehensive protection to help safeguard your business, your reputation and your customers now and into the future.
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Our clients also choose us for our commitment to the security of not only their payments, but the information and vast amount of data that they hold on their own customers. When they get to work with JP Morgan Chase, they have the confidence behind them of the ability for us to protect their data, their information, and ultimately their business.
At Southwest Airlines, we pride ourselves on safety and security. We don't want our brand to be subject to fraud. The last thing we want is a customer to know that we didn't do everything we could to try to protect your data, protect the purchase that was happening on your card. So we take it very seriously.
I think a lot of merchants have experienced a huge shift from card-present fraud to online fraud. We're no different in that regard. It's identifying those good customers versus the bad ones and trying to keep the bad ones out. One of the things that JP Morgan has helped us a lot with is trying to figure out the compelling evidence rules and offering ideas. It's like, how can we stop the bad guys so we can loosen up those restrictions that we have and the guardrails around the good customers?
Fraud, especially online fraud, is very challenging in this space. Everybody wants the transactions to go through, but you have to make sure they're not fraudulent transactions. Otherwise it's going to cost you money. Especially when you're in a pennies business, one big fraudulent transaction can really hurt you.
We are fully encrypted and tokenized so we don't see any customer card information. It goes out to JP Morgan, and then they pass it on to the issuer, and it comes back tokenized. I think that's the biggest piece of information that a supermarket or a retail industry would be liable for in a data breach.
One thing that our clients definitely turn to us for is protection. How do we make sure we're protected from fraud? What are the safety measures that we put in place? And we have that conversation on a regular basis. Not only asking us what we do on our side in terms of protecting their cardholders, but they also want insights in terms of what they should be doing. So they're asking us for headwinds and tailwinds in their specific industries, and what are the things that we would recommend to them that we can help direct them towards to make them safe and make sure that their customers are safe and protect every single transaction.
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J.P. Morgan’s Fortress-Level Security Standard
Advanced technologies and monitoring (e.g., AI and Machine Learning) and strong security operations help minimize our clients’ risk
Real-time Intelligence
Advanced threat intelligence analytics and dynamic monitoring informed by our significant market share, integrated external partnerships, and expert perspective.
Robust Resiliency Program
Includes proactive testing and global contingency back-up for all processing systems.
Firm-wide Commitment Through Investment
The benefit of $700 million investment per year in firm-wide cybersecurity capabilities
Encryption Tools
J.P. Morgan SafetechSM 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 security and peace of mind. If a breach does occur, encrypted payment data is of no use to identity thieves without the encryption key. The entire process is seamless and invisible to your customers who use their cards to pay for goods and services.
Encryption Tool features:
- Seamless integration with most POS systems or easy stand-alone terminal use reducing service disruption.
- Reduction to PCI compliance scope – no need to store unprotected cardholder data in your POS system.
- Secures all types of payment transactions – swiped, contactless and manually keyed transactions.
- An effective alternative to existing software-based encryption technology.
Page Encryption
J.P. Morgan SafetechSM 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 experiences.
Tokenization
Better protect your customer's payment data. J.P. Morgan SafetechSM 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 and is only valid at your locations. Stored tokens are useful for refunds, card on file transactions, subscriptions or where card data might otherwise be stored in the point of sale system for future use (tip adjustments, delayed shipments).
This means 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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As a single, trusted counterparty, we reduce complexity and promote strong enterprise risk management through robust security and controls that help you identify, avoid and mitigate operational, financial and reputational risk.
- We invest significantly to continuously enhance our cyber and fraud capabilities
- Our significant market share of payments aids in gathering market intelligence, analyzing behavior and patterns, and refining our fraud and security engines to protect increasingly complex transactions
- We operate 24/7 global cyber operational centers with dedicated cybersecurity staff and work closely with government agencies and organizations to identify areas of weakness as well as proactively respond to cyber threats
- Our global resiliency plan includes back-up for all processing systems and the ability to dynamically shift work to ensure continuity of processes
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