• We’re modernizing the commercial card platform to enhance your current programs and enable more flexible, reliable capabilities going forward.

• The upgrade is planned for 2027. We will share more specific timelines as they are finalized.

• Transactions, auto-debit payments and cycle end dates will process every day—including weekends and holidays.
• If you receive files for card activity reporting, some data elements may change—such as company number—along with reporting frequency. We will engage you in the coming months based on what is applicable to your configuration.

• Card/account numbers, expiration dates, CVV/security codes and card plastics
• Company/account structure and credit limits
• Current platform, login credentials, payment groups/organizations and APIs
• Existing Auto Pay schedule and payment remittance addresses
• Relationship manager and customer service contacts

• Please check this website periodically for the latest updates (https://www.jpmorgan.com/payments/client-resource-center/mcp).
• We recommend ensuring the email address payment.solutions@paymentsolutions.jpmorgan.com is not reverting to your spam folders as it will be leveraged to send official communications related to the Modern Card Payments upgrade.

• Card transaction processing will move from 5 days to 7 days a week, including weekends and holidays to support daily posting and daily reconciliation.
• Posted transactions will now be processed 7 days a week, resulting in expanded online data availability. You may receive up to 7 files per week. 

• Review and update your scheduler for 365-day file intake and / or UI report downloads.
• Review whether any downstream processes or reporting routines need to be updated to adjust to the updated processing schedule and updated data fields.
• Ensure you have sufficient funds in your Demand Deposit Account (DDA) on Monday to cover auto-debit payments posted over the weekend.

• The DDA debit occurs on Monday, as money movement remains 5 days a week per ACH standard. Credit postings will now occur 7 days a week.
• On Monday, you may see separate debits for each day’s activity (e.g., Friday, Saturday, and Sunday) as applicable.

• Yes. Rebates will reflect weekend posting activity, which is one of the benefits of 7-day processing.

• You may need to update any reporting schedules in PaymentNet® that are not tied to billing cycles. Only reports and schedulers tied to your billing cycle will be updated when used in report criteria or scheduling.

• Your statement layout and formatting will be refreshed, resulting in a more standardized, modern format.

• Statement content and functionality is not changing—you will continue to receive the same information.
• Statements will continue to be delivered and available through your existing delivery channels and follow your delivery schedule.

• For most users, no action is required. If you consume statements electronically (e.g., using OCR to read statements), you may need to adjust your process.
• You may choose to review the updated statement format once available to familiarize your team with the refreshed layout.

• Yes – click here to preview your updated statement.

• No. Once the updated statement format is enabled, it cannot be reverted.
• The new layout is designed to improve clarity, consistency, and ease of review.

• No. FX fees will remain the same and will continue to appear in the format you currently receive (embedded or shown separately, as applicable).

• The higher limits will apply broadly across the program,  enabling significantly higher capacity for corporate account limits (per-cycle dollar, transaction count and virtual card issuance caps), reducing the likelihood of hitting platform-imposed thresholds.

• No action is required.

• Yes. The increased capacity applies across products and programs, including virtual card issuance, at time of upgrade.

• Once the upgrade is complete, work with your Relationship Manager to evaluate whether a simplified structure is appropriate for your program.

• Due to the  infrastructure upgrade, account change requests are moving from batch processing to real-time processing within the same day requests are received.
• For example, new account issuance will change to same-day processing.

• No action is required.

• Purchases and payments will be available during the upgrade.

• Access to account details will be available.
• Access to balance inquiries will be available, but there may be delays.

• File transfers and file-based processing may be temporarily delayed during the upgrade. Normal processing will resume once upgrade activities are complete.
• In addition, certain setup activities – such as new card issuance or account creation for plastic cards – may be briefly paused while the upgrade is completed.
• Please check this site regularly for updates; additional timing considerations will be shared in Q4, 2026.

• No. Your card numbers, account numbers and login credentials will not change as a result of the upgrade.
• Your platform access and servicing contacts will also remain the same.

• The upgrade sequence is in two separate waves (approximately 3 months apart in 2027). J.P. Morgan will reach out in the coming months to confirm if any of your programs span two waves.
• If your programs upgrade in two waves, you may temporarily have two processing cadences in parallel—with some programs on 7‑day processing and others remaining on 5‑day processing. During this period, upgraded programs will use new data elements and delivery frequencies, while non-upgraded programs will continue with the current file/report formats and delivery patterns.

• You will continue receiving your files, but files from the earlier wave may differ in both data content and delivery cadence, so you’ll need to handle and process them appropriately (typically based on file naming). Once Wave 2 upgrades, both waves can follow the same future-state file protocol.

• A J.P. Morgan Modern Card Payments specialist will contact you to review which programs are in each wave. Please assess whether any downstream processes, reconciliation, reporting or vendor feeds will be impacted by running two standards in parallel.
• Ensure all recommendations from your J.P. Morgan Modern Card Payments specialist are incorporated prior to the upgrade to process correctly during the period between waves.

• Process files related to programs moving in Wave 1 using the new protocol. Keep files related to programs moving in Wave 2 on the current protocol until it upgrades, then ensure both follow the new protocol.

• CDF files are Mastercard’s standard outbound files that deliver commercial card transaction and hierarchy/reporting data into your systems (e.g., ERPs, expense tools, data warehouses). As part of the platform update, some CDF fields will populate with updated values. New fields may be added to enhance reporting.
• “On‑Receipt” (upon end of day processing) CDF file daily delivery will also align to 7‑day processing, shifting from a 5‑day cadence to 7 files per week (including one file on Saturday and one file on Sunday) to reflect weekend activity.
• CDF files are being updated to align to the new processing platform and modernized data standards. The file format remains the same; the changes relate to the values populated in certain fields.

• Content/value update: CDF field values will be updated for consistency, and we’ll provide an updated field-mapping summary. A J.P. Morgan Modern Card Payments specialist will reach out with further details in 2026.
• Frequency update: On‑Receipt CDFs will shift to daily delivery aligned with 7‑day processing, while fixed-schedule reports will remain unchanged.

• For CDF content/value changes
  • Review the mapping guide and sample files and identify where you use CDF fields, especially any hard-coded logic.
  • Review whether any downstream processes or reporting routines need to be updated to adjust to the updated processing schedule and updated data fields.
• For CDF frequency changes
  • Confirm your ingestion can pick up and process files over the weekend, including Sunday delivery.
  • Adjust automation/workflows and reconciliation to support more frequent file arrivals.

• Updates may be needed if your logic relies on specific CDF values that are changing, hard-coded mappings or custom business rules.

• Review the field-change summary when shared by your Relationship Manager or Modern Card Payments specialist and compare it to your current mapping and business rules to identify required updates. Please check back for additional information on this site later in 2026.

• No. The CDF structure remains the same; changes occur at the field values, mappings and data rules level.

• J.P. Morgan will work directly with major third-party vendors for Mastercard Common Data Format (CDF) file receipt to support continuity and visibility of data. You may receive outreach from your ERP/expense provider based on their readiness process.
• If affected, J.P. Morgan will reach out to you with additional information on your CDFs. Please review this site at a later date on how to handle additional vendors.

• On‑Receipt CDFs will shift to daily delivery aligned with 7‑day processing, while fixed-schedule reports will remain unchanged.

• It can affect the distribution of volume by day. For example, the Monday file may be smaller because weekend transactions are delivered on Saturday and Sunday.

• Files are not overwritten because they use unique date/time-based naming. However, if your systems do not retrieve and ingest a file, you may experience a gap in transaction data until it is processed.

• We will provide the field-level change details and supporting materials. Review whether any downstream processes or reporting routines need to be updated to adjust to the updated processing schedule and updated data fields.

• You should plan to complete internal updates and validation ahead of your upgrade wave. This allows time for testing using the field-mapping summary and any sample outputs we may provide. As a best practice, aim to complete readiness checks by year-end 2026.

• Mastercard User‑Defined Exports (UDEs) let you select specific fields from the CDF specification to create customized extracts and reports.
• After the platform upgrade, some UDE field values will change to align with updated data standards.
• These updates affect data values only—the UDE structure and layout does not change.

• Because UDEs are highly configurable, the exact impact can vary based on how your Smart Data administrator has designed your exports.
• If you also receive CDF files, you should expect UDE value changes to align with the corresponding CDF value changes.
• We will provide an updated field-mapping summary to support your review and validation. Please check this site later in 2026.

• Identify where your systems, integrations or reports reference UDE fields, especially any custom logic or hard-coded values.
• Review the field-change summary when shared by your Relationship Manager or Modern Card Payments specialist and compare it to your current mapping and business rules to identify required updates.
• Review whether any downstream processes or reporting routines need to be updated to adjust to the updated processing schedule and updated data fields.
• Decide whether you want to consume any newly introduced fields (optional).
• Confirm your engineering and/or reporting teams are prepared to implement and validate updates ahead of upgrade.

• Potentially—especially if you rely on specific data values, hard-coded mappings or custom business rules. Review whether any downstream processes or reporting routines need to be updated to adjust to the updated processing schedule and updated data fields.

• Review the field-change summary when shared by your Relationship Manager or Modern Card Payments specialist and compare it to your current mapping and business rules to identify required updates. Please check this site later in 2026.

• We will provide the field-level change details and supporting materials for you to update your internal mappings, rules and downstream processing as needed. If this affects you, a J.P. Morgan Modern Card Payments specialist will reach out with further details in 2026. You are always welcome to contact your Relationship Manager or Program Coordinator with questions.

• You should plan to complete internal updates and validation ahead of your upgrade wave. This allows time for testing using the field-mapping summary and any sample outputs we provide. As a best practice, aim to complete readiness checks by year-end 2026. 

• Yes. UDEs can be scheduled or run on demand. With 7‑day processing you can generate exports using the most recent data, or run them as needed.

• It depends on how your organization uses UDE/CDF data. If you ingest many fields or rely on hard-coded mappings and business rules, updates may require coordination across multiple teams. Once a Modern Card Payments specialist reaches out, they will provide a field-mapping summary to help you assess scope for your specific integrations.

• There is no fallback or fall-forward logic for scheduled UDEs that fall on a weekend.  Scheduled UDEs follow a fixed calendar date, rather than shifting based on weekends.

• Visa Common Format (VCF) files are Visa’s standard outbound files used to deliver commercial card transaction details, hierarchy attributes and other critical data into your systems (e.g., ERPs, expense tools, data warehouses).
• As part of the upgrade:
  • Several VCF fields will populate with updated values for consistency across the modernized platform.
  • New fields may be introduced to enhance reporting.
• In addition, VCF delivery frequency will change to align with 7‑day processing:
  • VCF files are currently delivered on a 5‑day cadence for many setups.

Depending on your existing file frequency, you may see an increase up to 7 days a week after the upgrade.

• Content/value updates
  • We will provide an updated field-mapping summary so you can validate changes before they take effect. Please check this site later in 2026.
  • Your hierarchy structure is not changing. However, certain hierarchy node values in the file will be updated as part of the platform change.
• Frequency updates
  • FIFO (First In First Out files sent upon activity) will be delivered daily, including weekends, to reflect 7‑day processing.
  • Fixed-schedule reports (weekly, monthly, custom schedules) will remain unchanged.
  • If you receive daily files on a set number of days per week (e.g., 4/5/6 days), you may want to consider moving to 7 days to align with daily processing.

• Identify where your systems, integrations or reports reference VCF fields, especially any custom logic or hard-coded mappings.
• Review the field-mapping summary when provided and compare it to your current processing logic to determine any updates needed.
• Review whether any downstream processes or reporting routines need to be updated to adjust to the updated processing schedule and updated data fields.
• Ensure your ingestion and operational processes can support weekend file arrivals (automation, staffing coverage, reconciliation).

• We will provide an updated field-mapping summary so you can validate changes before they take effect. Please check this site later in 2026.

• Your new Company ID will be communicated ahead of the change.

• A dedicated test environment will not be provided, but sample VCF files will be shared to support validation and updates.

• J.P. Morgan will work directly with major third-party vendors for Visa Commercial Format (VCF) file receipt to support continuity and visibility of data. You may receive outreach from your ERP/expense provider based on their readiness process.
• If affected, J.P. Morgan will reach out to you with additional information on your VCFs. Please review this site at a later date on how to handle additional vendors.

• Yes. You can request changes through your Program Coordinator.
• Weekly files remain unchanged. For daily delivery on a fixed set of days, moving to a 7‑day cadence is typically recommended to align with daily processing.
• For FIFO (upon activity) delivery, frequency changes to align with 7‑day processing are expected to be handled automatically.

• Yes, though if you receive files on many scheduled days per week, moving to 7 days a week is generally recommended to better align to activity and daily processing.

• VCF files are not overwritten because they include unique identifiers, but missing ingestion can create gaps in downstream reporting and reconciliation until the files are processed.

• Yes. We expect to have a generic sample file containing dummy data between Q3 and Q4 2026. If you have questions regarding your program files, please review the table of changes for your respective file(s). If you still require a sample file and one has not been made available to you by Q4 2026, please contact your Relationship Manager or Modern Card Payments representative.