J.P. Morgan Payments: Scalable Commerce Solutions

J.P.Morgan Payments offers commerce capabilities for merchant acquiring, online payments, in-store and omnichannel payments, as well as payment insights, optimization, and protection services. The technology and infrastructure have been modernized with a modern tech stack, aligning with MACH principles to support scalability and adaptability.

Processing $9.T per day¹ across 160 countries² and 120 currencies³, J.P. Morgan Payments is embedded within a broad commerce technology ecosystem, including partnerships, customer relationships, and collaborations with service providers and competitors, including members of the MACH community.

The payments platform is built to support high volumes of transactions with a focus on security, interoperability, and scalability. An API-first approach enables seamless connectivity, automation, and faster integration. A cloud-native architecture provides a secure, global, and multi-tenant solution with continuous deployment automation. Component-based microservices improve productivity and speed for implementation through modular architecture, decoupled components, and independent scalability. Digitally-enabled experiences simplify back-office functions while remaining accessible via APIs, offering self-service tools, developer resources, and reporting capabilities.

The ongoing transformation is supported by the launch of a developer portal and an expanding ecosystem of technology partners. Continued investment is focused on enhancing in-store and online payment experiences, including recurring payments, analytics, fraud prevention, and other commerce solutions.*

*New capabilities are under development; features and timelines are subject to change at the Bank’s sole discretion.

1. JPMC proprietary data 2021
2.JPM proprietary data 2022
3.JPMC proprietary data 2022