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


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

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

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

How we deliver measurable long-term results:

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

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

Digital Innovation

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

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We live in an on-demand Buy It Now world in which your customers expect fast and frictionless payment experiences. But as a business, fraudulent payments and expired credit and debit cards can slow your growth. JPMorgan's payment optimization framework combines powerful issuing and acquiring data with processing best practices and continuous performance monitoring that uses artificial intelligence and machine learning to help you detect and avoid fraudulent transactions, keep customer payment credentials accurate and up to date, and automate dispute resolution.

Our payment advisors can also collaborate with you to benchmark and improve approval rates and interchange qualification with $1.5 trillion in annual merchant processing volume and $1.1 trillion in annual Chase cardholders spent. JPMorgan has the insight and expertise you need to optimize, grow, and protect revenue. Talk to your JPMorgan representative to learn how our payment optimization framework can help your business approve the most transactions at the lowest possible cost.


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    Source: 2019 JPMorgan Chase & Co. annual report.