Grow with a partner who understands your business
Europe, the Middle East and Africa—more than a hundred countries, each with unique regulatory requirements, complexities, and client and consumer preferences. Our secure solutions, crafted with regional nuance and global scalability, can help you drive your business forward.
A global force
Rich history in EMEA
Whether you’re a commerce-focused corporate in France, a business with complex treasury needs in the UAE or seeking trade tools in Africa, at J.P. Morgan Payments, we have the future-ready solutions to evolve with you, no matter where you are in the region.
Take advantage of end-to-end EMEA payments solutions
Our intuitive payments solutions help you thrive in-region and across the globe.
Treasury Solutions
Manage your cash, liquidity, financial risk and operations to help your business thrive.
Liquidity
Create a payments strategy that moves liquidity intelligently and unlocks more value from your cash
Cross-Currency (FX)
Send payments in 120 currencies to 200+ countries and territories with real-time visibility into live conversion rates3,4
Global Clearing
Move money globally faster and safer with fewer interruptions, allowing for streamlined operations of USD, EUR and GBP clearing
Account Solutions
Improve cash visibility, optimize liquidity and reduce reliance on physical accounts with Virtual Account Management
Payments
Simplify the movement of money worldwide with custom solutions
Receivables
Leverage innovative technologies to help you process and apply payments faster
Commerce Solutions
Combine banking and fintech with local payments solutions that help both B2B and B2C businesses in Europe grow.
Online
Adapt to customers’ changing needs with end-to-end payment processing, broad security and fraud protection
Local payment methods
Team up with a global bank with expertise in local payment methods across key European markets, including Cartes Bancaires and iDEAL
Financial infrastructure
Reimagine the transfer of money, assets and financial information
Trade and Working Capital
Help streamline global trade, enhance cash flow, drive operational efficiency and unlock working capital.
Supply Chain Finance
Meet your working capital, cash flow and risk mitigation objectives
Export and Agency Finance
Turn challenges into opportunities to fund imported goods and services
Trade Finance
Explore our online global tool that aims to automate, streamline and simplify the process
Digital Bill of Payment
Streamline your day-to-day transaction processing and remove the paper
Business Enhancements
Get more from your payments solutions with increased data access, transparency and security.
Kinexys Digital Payments
Enable instant transfer and clearing for multi-bank, multicurrency assets on a distributed ledger
Trust and Safety
Count on our global expertise to protect your business at every stage of the payments life cycle
Insights
Harness data insights to make more informed business decisions
Validation Services
Help reduce fraud and errors by verifying account information at the point of payment
Escrow Services
Develop an escrow transaction structure that works for you
Partner Network
Explore an ecosystem of third-party partners to connect with J.P. Morgan Payments and grow your business.
Treasury
Send and receive funds accurately, rationalize account structures and manage FX—while maximizing liquidity
Commerce
Accept B2B and B2C payments that enable streamlined online transactions
Industry
Take advantage of the added value that results from our building, buying and partnering to expand our as-a-service offerings
Trade and Working Capital
Find financing or credit solutions to inject capital when and where you need it, and work to minimize working capital cycle times
Putting agile solutions to work for today’s businesses
We’re collaborating with businesses of all sizes throughout EMEA to unlock new opportunities with efficient and secure payments.
Client success stories
Treasury
How Siemens Treasury redefines financial operations through innovation and technology
Feb 25, 2025
J.P. Morgan Payments powers Siemens Treasury’s transformation from a support function to strategic business enabler.
Watch video
Payments
IVECO PAY: Adam Smith Award-winning solution
Apr 16, 2025
Learn how the multinational transport vehicle manufacturing company Iveco Group is transforming the customer journey with IVECO CAPITAL’s digital payment hub.
Read more
Payments
Merck KGaA effectively manages import and invoice risk in China
Dec 27, 2024
Learn how the pharmaceutical manufacturer improved liquidity in China with J.P. Morgan Payments.
Read moreLatest insights in Europe
Payments
PSD3 Builds a regulatory foundation for open banking, cross-border payments and more
Nov 26, 2024
Learn how the Third Payments Services Directive builds on PSD2 and aims to encourage open banking adoption
Read more
Payments
J.P. Morgan Payments: Proud principal member of Cartes Bancaires since 2024
Mar 11, 2025
J.P. Morgan was granted the license to become the first U.S. bank to be a principal member of Cartes Bancaires CB, France’s leading payments network, in 2024.
Read more
Payments
J.P. Morgan Payments expands European footprint with iDEAL
Mar 19, 2025
We’re expanding our European e-commerce capabilities with the addition of iDEAL, the leading payments network in the Netherlands, as a payment method at checkout to our global Commerce platform.
Read moreLatest insights in the Middle East and Africa
Payments
Can Saudi Arabia Build a Thriving Fintech Hub by 2030?
As part of their ambitious "Vision 2030," Saudi Arabia is focusing on financial services as an area of opportunity as it looks to encourage fintech sector growth.
Learn more
Treasury
Treasury renaissance in the Middle East
Treasury transformation in the Middle East is not just a momentary shift—it's part of a trajectory toward a forward-looking economy. Explore the region’s visionary changes, economic reforms and technological advancements.
Read more
Payments
Real-time payments: Driving disruptive innovation
Mar 17, 2025
Real-time payments are transforming the future of payments by broadening the speed, innovation and efficiency of digital payments solutions. Here’s what businesses might expect.
Read moreSign up for The Month In Payments newsletter for the latest news, trends and innovations shaping the world of payments.
References
The information presented has been validated by internal data, internal monitoring and reporting for February 2024.
JPMC Proprietary Data 2024. Please note that currency footprint may vary by debit account branch location, subject to change.
J.P. Morgan Internal Data, 2024. Please see your banker for a full list.
© 2025 JPMorgan Chase & Co. All rights reserved. JPMorgan Chase Bank, N.A. Member FDIC. Deposits held in non-U.S. branches are not FDIC insured. Non-deposit products are not FDIC insured. The statements herein are confidential and proprietary and not intended to be legally binding. Not all products and services are available in all geographical areas.
Visit jpmorgan.com/paymentsdisclosure for further disclosures and disclaimers related to this content.