Commercial Banking

From startups to legacy brands, you're making your mark. We're here to help.

  • Innovation Economy
    Fueling the success of early-stage startups, venture-backed and high-growth companies.
  • Midsize Businesses
    Keep your company growing with custom banking solutions for middle market businesses and specialized industries.
  • Large Corporations
    Innovative banking solutions tailored to corporations and specialized industries.
  • Commercial Real Estate
    Capitalize on opportunities and prepare for challenges throughout the real estate cycle.
  • Community Impact Banking
    When our communities succeed, we all succeed. Local businesses, organizations and community institutions need capital, expertise and connections to thrive.
  • International Banking
    Power your business' global growth and operations at every stage.

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Credit and Financing

Prepare for future growth with customized loan services, succession planning and capital for business equipment.

  • Asset Based Lending
    Enhance your liquidity and gain the flexibility to capitalize on growth opportunities.
  • Equipment Financing
    Maximize working capital with flexible equipment and technology financing.
  • Trade & Working Capital
    Experience our market-leading supply chain finance solutions that help buyers and suppliers meet their working capital, risk mitigation and cash flow objectives.
  • Syndicated Financing
    Leverage customized loan syndication services from a dedicated resource.
  • Commercial Real Estate
    Capitalize on opportunities and prepare for challenges throughout the real estate cycle.
  • Employee Stock Ownership Plans
    Plan for your business’s future—and your employees’ futures too—with objective advice and financing.

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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.

  • Institutional Investors
    Putting your long-tenured investment teams on the line to earn the trust of institutional investors.
  • Markets
    Direct access to market leading liquidity harnessed through world-class research, tools, data and analytics.
  • Prime Services
    Helping hedge funds, asset managers and institutional investors meet the demands of a rapidly evolving market.
  • Global Research
    Leveraging cutting-edge technology and innovative tools to bring clients industry-leading analysis and investment advice.
  • Securities Services Solutions
    Helping institutional investors, traditional and alternative asset and fund managers, broker dealers and equity issuers meet the demands of changing markets.

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Investment Banking

Providing investment banking solutions, including mergers and acquisitions, capital raising and risk management, for a broad range of corporations, institutions and governments.

  • Center for Carbon Transition
    J.P. Morgan’s center of excellence that provides clients the data and firmwide expertise needed to navigate the challenges of transitioning to a low-carbon future.
  • Corporate Finance Advisory
    Corporate Finance Advisory (“CFA”) is a global, multi-disciplinary solutions team specializing in structured M&A and capital markets. Learn more.
  • Development Finance Institution
    Financing opportunities with anticipated development impact in emerging economies.
  • Sustainable Solutions
    Offering ESG-related advisory and coordinating the firm's EMEA coverage of clients in emerging green economy sectors.
  • Mergers and Acquisitions
    Bespoke M&A solutions on a global scale.
  • Capital Markets
    Holistic coverage across capital markets.

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Payments

Your partner for commerce, receivables, cross-currency, working capital, blockchain, liquidity and more.

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Private Bank

A uniquely elevated private banking experience shaped around you.

  • Banking
    We have extensive personal and business banking resources that are fine-tuned to your specific needs.
  • Investing
    We deliver tailored investing guidance and access to unique investment opportunities from world-class specialists.
  • Lending
    We take a strategic approach to lending, working with you to craft the right financing solutions matched to your goals.
  • Planning
    No matter where you are in your life, or how complex your needs might be, we’re ready to provide a tailored approach to helping your reach your goals.

Wealth Management

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.


  • Invest on your own
    Unlimited $0 commission-free online stock, ETF and options trades with access to powerful tools to research, trade and manage your investments.
  • Work with our advisors
    When you work with our advisors, you'll get a personalized financial strategy and investment portfolio built around your unique goals-backed by our industry-leading expertise.
  • Expertise for Substantial Wealth
    Our Wealth Advisors & Wealth Partners leverage their experience and robust firm resources to deliver highly-personalized, comprehensive solutions across Banking, Lending, Investing, and Wealth Planning.

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For Companies and Institutions

  • Commercial Banking

    From startups to legacy brands, you're making your mark. We're here to help.

     

  • 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.

  • Payments

    Your partner for commerce, receivables, cross-currency, working capital, blockchain, liquidity and more.

  • Credit & Financing

    Prepare for future growth with customized loan services, succession planning and capital for business equipment.

  • Investment Banking

    Providing investment banking solutions, including mergers and acquisitions, capital raising and risk management, for a broad range of corporations, institutions and governments.

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For Individuals

  • Private Bank

    A uniquely elevated private banking experience shaped around you.

  • Wealth Management

    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.

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Who We Serve

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All Insights

Explore a variety of insights.

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Insights by Topic

Explore a variety of insights organized by different topics.

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Insights by Type

Explore a variety of insights organized by different types of content and media.  

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About Us

We aim to be the most respected financial services firm in the world, serving corporations and individuals in more than 100 countries.

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J.P. Morgan Host-to-Host Client Acceptance Testing

Updated on March 26, 2025

New CAT certificates for AS2, HTTPS, and NDM protocols will be available for download after March 26. These new certificates will be effective after 6 p.m. on April 3, 2025.  Please note these certificates will be issued by a new certificate authority, DigiCert. (previously Entrust)

New CAT PGP key will be available for download after July 1, 2025.  This new key will be effective after 6 p.m. on July 8, 2025.

We have two environments: CAT (Client Acceptance Testing), also known as User Acceptance Testing, and Production. Each environment has multiple URLs that can be used for connectivity. Usually, the URL that you use in CAT will be similar to the URL you use in production.

Regularly scheduled maintenance windows for CAT occur Tuesday 5 p.m. – 12 a.m. ET and Thursday 5 p.m. – 12 a.m. ET.  If you experience connectivity issue during these times, please retry after the window has expired.

Note: Production data should never be transmitted to the CAT environment and test data should never be sent to the production environment. In order to ensure this does not happen, we require that you give us one certificate or key for CAT, and a different certificate or key for production.

CAT environment changes are implemented prior to Production without notice.

CAT Self-Service Testing

For Self-Service testing, please follow the steps below:

  1. Connect to the J.P. Morgan Host-to-Host test server to verify connectivity.
  2. Send a digitally signed "junk" text file to verify the process flow using the file naming convention below (case-sensitive).
    • If the digital signature is successfully validated, an automated process will trigger an outbound file using what you originally sent.
    • If the digital signature cannot be validated, the file will not be processed.

Test URL: transmissions-uat.jpmorgan.com

Inbound Test (no process) File

Directory: /Inbound/Encrypted

File name: <H2H_PartnerID>.TEST.IN.<anything> <H2H_PartnerID> = H2H User ID. This would be the same ID used for Production.

<anything> = any alpha numeric character including dashes, dots or underscore, but no spaces and no use of "&"

If the above file is validated, we will stage the same file for you to download (see below).

Outbound test Ack File

Directory: /Outbound/Encrypted
File name: <H2H_PartnerID>.TEST.OUT.<seq#>.<date/time>

Test URL: transmissions-uat.jpmorgan.com or the HTTPS URL assigned to you.
Inbound Test (no process) File
File name: <H2H_PartnerID>.TEST.IN.<anything>
<H2H_PartnerID> = H2H User ID. This would be the same ID used for Production.
<anything> = any alpha numeric character including dashes, dots or underscore, but no spaces and no use of "&"

File name should be presented the same location where you present it for your existing production files (e.g., Content-Type, Content-Disposition).

If the above file is validated, we will send the same file to you as the delivery URL we have for you in CAT. You may also receive the positive MDN back from us for your transmission, which can also confirm the positive delivery of the file to us.

Test URL: transmissions-uat.jpmorgan.com or the HTTPS URL assigned to you

Inbound Test (no process) File

Full Deliver URL: https://transmissions-uat.jpmorgan.com/invoke/FMSPartnerInterface.inbound/httpGateway

TEST File parameters:
&jpmcDataType=TEST
&jpmcDataFormat=IN
&jpmcProtocol=HTTPS
&jpmcSecurity=PGP/Bypass (based on your security configuration)

If the above file is validated, we will stage the same file for you to download, which can be downloaded using the below parameters:
URL: https://transmissions-uat.jpmorgan.com/invoke/FMSPartnerInterface.inbound/downloadJPMCData

&jpmcDataType=TEST
&jpmcDataFormat=OUT
&jpmcProtocol=HTTPS
&jpmcSecurity=PGP/Bypass (based on your security configuration)

CAT URLs

All SFTP and FTPS connections will utilize the Primary URL. AS2 and HTTPs connections could potentially use one of our other URLs. If you are unsure which URL you should be using, please contact our Support team.

Depending on your firewall configuration, changes may be required. It is recommended that you open the J.P. Morgan owned IP range of 198.36.0.0/22. 

If you receive files automatically pushed to you, please allow the following IP range of 146.143.0.0/16.

URL

IP Address 1

IP Address 2

Port

SFTP/FTPS/AS2/HTTPS

 

 

 

transmissions-uat.jpmorgan.com (Primary)

198.36.3.130

198.36.2.130

21,22,443 
FTPS: port 21 with 9000-9300 for passive

AS2/HTTPS

 

 

 

transmissions-uat1.jpmorgan.com

198.36.3.131

198.36.2.131

443

transmissions-uat2.jpmorgan.com

198.36.3.132

198.36.2.132

443

transmissions-uat3.jpmorgan.com

198.36.3.133

198.36.2.133

443

transmissions-uat4.jpmorgan.com

198.36.3.134

198.36.2.134

443

transmissions-uat5.jpmorgan.com

198.36.3.135

198.36.2.135

443

transmissions-uat6.jpmorgan.com

198.36.3.136

198.36.2.136

443

transmissions-uat7.jpmorgan.com

198.36.3.137

198.36.2.137

443

transmissions-uat8.jpmorgan.com

198.36.3.138

198.36.2.138

443

Supported SSH Ciphers

Only the following ciphers are supported for internet-based connections to CAT via applications that use Secure File Transfer Protocol (sFTP):

Supported Ciphers for SSH

  • aes128-gcm@openssh.com
  • aes256-gcm@openssh.com

Supported Keyed-Hash Message Authentication Code (HMAC)

  • hmac-sha2-512
  • hmac-sha2-256

Supported SSH Key Exchange Algorithms and Public Keys Supported

  • ecdh-sha2-nistp256
  • ecdh-sha2-nistp384
  • ecdh-sha2-nistp521
  • diffie-hellman-group-exchange-sha256
  • diffie-hellman-group16-sha512
  • diffie-hellman-group18-sha512
  • diffie-hellman-group14-sha256
  • curve25519-sha256
  • curve25519-sha256@libssh.org

Supported SSH Host Key Algorithms

Supported SSL Ciphers

CAT environment changes are implemented prior to Production without notice.

Only the following ciphers are supported for internet-based connections to CAT via applications that use File Transport Protocol Secure (FTPS), Applicability Statement 2 (AS2) and Hypertext Transfer Protocol Secure (HTTPS) :

  • TLS_ECDHE_RSA_WITH_AES_128_GCM_SHA256
  • TLS_ECDHE_RSA_WITH_AES_256_GCM_SHA384

CAT Keys / Certificates

Here are the J.P. Morgan test keys and certificates. Note that we will also need your keys or certificates in order to successfully authenticate a connection. If you experience authentication failures, please contact our support team for assistance.

If you require encrypting files you transmit or if you require receiving signed files, please download the J.P. Morgan public test PGP key and rename as needed.

If you connect via SFTP to transmissions-uat.jpmorgan.com on port 22, please download the J.P. Morgan public test key and rename as needed.

If J.P. Morgan pushes files to you via SFTP, please download the J.P. Morgan public host test key and rename as needed.

If you connect via FTPS to transmissions-uat.jpmorgan.com on port 21, please download the J.P. Morgan public test key and rename as needed. **Certificates replaced in 2025 will be issued by our new Certificate Authority DigiCert (Previously Entrust)**

**Please ensure you have also installed the new Intermediate and Root Certificates associated. The entire certificate chain has been included in the .p7b file.**

If you connect via AS2 or HTTPS to transmissions-uat.jpmorgan.com, please download the J.P. Morgan public test key and rename as needed. **Certificates replaced in 2025 will be issued by our new Certificate Authority DigiCert (Previously Entrust)**

If you are doing Strict Host Checking, you will also need to download the certificate for the specific URL you are using, in addition to the primary certificate.

Please use the applicable certificate for connections to node ECGQAA by NDM via IBM® Sterling Connect:Direct® with Secure+®:  **Certificates replaced in 2025 will be issued by our new Certificate Authority DigiCert (Previously Entrust)**

Support

Questions? Contact our support team at 978-805-1200 or HosttoHost.helpdesk@jpmorgan.com. Representatives are available to assist you 24 hours a day, Monday through Friday. Government, municipal and public sector clients should call 844-718-0643.

Please note the support team cannot advise clients on specific actions needed to make the required system changes. Clients should contact the application vendors for this information.

All trademarks, trade names and service marks appearing herein are the property of their respective owners.