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.

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.

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. 

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.

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.
  

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.

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

Encryption Tools

J.P. Morgan Safetech^SM 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 Safetech^SM 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 Safetech^SM 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.

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