JPMorgan Chase

JPMorgan Chase Consents API

Account Information - Consents

GitHub OpenAPI

Operations 4

POST /consents Initiate Consent Journey #
GET /consents/{consentId} Get consent status #
DELETE /consents/{consentId} Revoke consent #
POST /consents/{consentId}/renew Renew consent #

Documentation

📖
Documentation
https://developer.payments.jpmorgan.com/api
📖
APIReference
https://developer.payments.jpmorgan.com/api/llm-content?path=en%2Fapi%2Fembedded-finance-solutions%2Fembedded-payments%2Fonboarding-oas.md
📖
APIReference
https://developer.payments.jpmorgan.com/api/llm-content?path=en%2Fapi%2Fcommerce%2Foptimization-protection%2Fconsumer-profile%2Fconsumer-profile-oas.md
📖
APIReference
https://developer.payments.jpmorgan.com/api/llm-content?path=en%2Fapi%2Fcommerce%2Foptimization-protection%2Ftokenization%2Ftokenization-oas.md
📖
APIReference
https://developer.payments.jpmorgan.com/api/llm-content?path=en%2Fapi%2Fcommerce%2Foptimization-protection%2Freporting%2Freporting-oas.md
📖
APIReference
https://developer.payments.jpmorgan.com/api/llm-content?path=en%2Fapi%2Ftreasury%2Freceivables%2Frequest-to-pay-api.md
📖
APIReference
https://developer.payments.jpmorgan.com/api/llm-content?path=en%2Fapi%2Fcommerce%2Fonline-payments%2Fcheckout%2Fcheckout-oas.md
📖
APIReference
https://developer.payments.jpmorgan.com/api/llm-content?path=en%2Fapi%2Fcommerce%2Fdispute-management%2Fdispute-management-oas.md
📖
APIReference
https://developer.payments.jpmorgan.com/api/llm-content?path=en%2Fapi%2Ffraud-solutions%2Falerts-and-decisioning%2Foas.md
📖
APIReference
https://developer.payments.jpmorgan.com/api/llm-content?path=en%2Fapi%2Fcommerce%2Fproduct-configuration%2Fproduct-configuration-oas.md
📖
APIReference
https://developer.payments.jpmorgan.com/api/llm-content?path=en%2Fapi%2Fcommerce%2Foptimization-protection%2F3-d-secure%2F3-d-secure-1.md
📖
APIReference
https://developer.payments.jpmorgan.com/api/llm-content?path=en%2Fapi%2Fcommerce%2Foptimization-protection%2Faccount-updater%2Faccount-updater-oas.md
📖
APIReference
https://developer.payments.jpmorgan.com/api/llm-content?path=en%2Fapi%2Ftreasury%2Fglobal-payments%2Fglobal-payments%2Fglobal-payments-oas.md
📖
APIReference
https://developer.payments.jpmorgan.com/api/llm-content?path=en%2Fapi%2Fliquidity-account-solutions%2Fbda-balances%2Faccounts-oas.md
📖
APIReference
https://developer.payments.jpmorgan.com/api/llm-content?path=en%2Fapi%2Ffraud-solutions%2Fvalidation-services%2Fvalidation-services-oas.md
📖
APIReference
https://developer.payments.jpmorgan.com/api/llm-content?path=en%2Fapi%2Fcommerce%2Foptimization-protection%2Fwallet-decryption%2Fwallet-decryption-oas.md

Specifications

⚙
OpenAPI
https://raw.githubusercontent.com/api-evangelist/jp-morgan-chase/refs/heads/main/openapi/jp-morgan-chase-consents-api-openapi.yml

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OpenAPI Specification

jp-morgan-chase-consents-api-openapi.yml Raw ↑ 
openapi: 3.2.0
info:
  title: Account Information Services Consents API
  version: 2.0.22
  description: Enable access to account information services that allow J.P. Morgan clients to leverage Open Banking for data from customer bank accounts. Support consent management, account verification, balance retrieval, and transaction history for secure and efficient financial integration.
  contact:
    name: JPMorgan Chase & Co. API Support
    url: https://apistore.jpmchase.net/support/contact
    email: imsd.security.operations@jpmorgan.com
servers:
- url: https://api.payments.jpmorgan.com/paybybank/v2
  description: PRODUCTION
- url: https://api-cat.payments.jpmorgan.com/paybybank/v2
  description: CLIENT TESTING
- url: https://api-mock.payments.jpmorgan.com/paybybank/v2
  description: MOCK
tags:
- name: Consents
  description: Account Information - Consents
paths:
  /consents:
    post:
      tags:
      - Consents
      summary: Initiate Consent Journey
      description: '**Initiate consent journey to grant access to account information**

        '
      operationId: initiateConsent
      parameters:
      - $ref: '#/components/parameters/IdempotencyKey'
      - $ref: '#/components/parameters/RequestId'
      - $ref: '#/components/parameters/ClientId'
      requestBody:
        $ref: '#/components/requestBodies/ConsentInitiation'
      responses:
        '201':
          $ref: '#/components/responses/201-ConsentCreated'
        '400':
          $ref: '#/components/responses/400-BadConsentRequest'
        '401':
          $ref: '#/components/responses/401-Unauthorized'
        '403':
          $ref: '#/components/responses/403-Forbidden'
        '429':
          $ref: '#/components/responses/429-TooManyRequests'
        '503':
          $ref: '#/components/responses/503-ServiceUnavailable'
      callbacks:
        consentCallback:
          '{client-url}/callback':
            post:
              operationId: consentCallBack
              summary: Consent Webhook
              requestBody:
                description: '**Consent callback to merchant, after completion of user consent journey. Merchant can retrieve consented information**

                  '
                content:
                  application/cloudevents+json:
                    schema:
                      $ref: '#/components/schemas/WebHook'
                    examples:
                      Consent Link - Initiated US:
                        $ref: '#/components/examples/ConsentLinkInitiatedCallBackUS'
                      Consent Link - Initiated EU:
                        $ref: '#/components/examples/ConsentLinkInitiatedCallBackEU'
                      Consent Link - Initiated UK:
                        $ref: '#/components/examples/ConsentLinkInitiatedCallBackUK'
                      Consent Link - Opened US:
                        $ref: '#/components/examples/ConsentLinkOpenedCallBackUS'
                      Consent Link - Opened EU:
                        $ref: '#/components/examples/ConsentLinkOpenedCallBackEU'
                      Consent Link - Opened UK:
                        $ref: '#/components/examples/ConsentLinkOpenedCallBackUK'
                      Consent Link - Pending US:
                        $ref: '#/components/examples/ConsentLinkPendingCallBackUS'
                      Consent Link - Expired US:
                        $ref: '#/components/examples/ConsentLinkExpiredCallBackUS'
                      Consent Link - Expired EU:
                        $ref: '#/components/examples/ConsentLinkExpiredCallBackEU'
                      Consent Link - Expired UK:
                        $ref: '#/components/examples/ConsentLinkExpiredCallBackUK'
                      Consent Link - Failed US:
                        $ref: '#/components/examples/ConsentLinkFailedCallBackUS'
                      Consent Link - Failed EU:
                        $ref: '#/components/examples/ConsentLinkFailedCallBackEU'
                      Consent Link - Failed UK:
                        $ref: '#/components/examples/ConsentLinkFailedCallBackUK'
                      Consent Link - Cancelled US:
                        $ref: '#/components/examples/ConsentLinkCancelledCallBackUS'
                      Consent Link - Cancelled EU:
                        $ref: '#/components/examples/ConsentLinkCancelledCallBackEU'
                      Consent Link - Cancelled UK:
                        $ref: '#/components/examples/ConsentLinkCancelledCallBackUK'
                      Consent Link - Abandoned US:
                        $ref: '#/components/examples/ConsentLinkAbandonedCallBackUS'
                      Consent Link - Abandoned EU:
                        $ref: '#/components/examples/ConsentLinkAbandonedCallBackEU'
                      Consent Link - Abandoned UK:
                        $ref: '#/components/examples/ConsentLinkAbandonedCallBackUK'
                      Consent Link - Successful US:
                        $ref: '#/components/examples/ConsentLinkSuccessfullCallbackUS'
                      Consent Link - Successful EU:
                        $ref: '#/components/examples/ConsentLinkSuccessfullCallbackEU'
                      Consent Link - Successful UK:
                        $ref: '#/components/examples/ConsentLinkSuccessfullCallbackUK'
                      Consent - Partially Success - US:
                        $ref: '#/components/examples/ConsentPartiallySuccessfulCallBackUS'
                      Consent - Success - US:
                        $ref: '#/components/examples/ConsentSuccessfulCallBackUS'
                      Consent - Success - UK:
                        $ref: '#/components/examples/ConsentSuccessfulCallBackUK'
                      Consent - Success - EU:
                        $ref: '#/components/examples/ConsentSuccessfulCallBackEU'
                      Consent - Pending - US:
                        $ref: '#/components/examples/ConsentPendingCallBackUS'
                      Consent - Ready to Validate - US:
                        $ref: '#/components/examples/ConsentReadyToValidateCallBackUS'
                      Consent - Revoked by Client US:
                        $ref: '#/components/examples/ConsentRevokeCallBackUS-ClientDelete'
                      Consent - Revoked by System US:
                        $ref: '#/components/examples/ConsentRevokeCallBackUS-PermanentDelete'
                      Consent - Failed US:
                        $ref: '#/components/examples/ConsentFailedCallBackUS'
                      Consent - Failed EU:
                        $ref: '#/components/examples/ConsentFailedCallBackEU'
                      Consent - Failed UK:
                        $ref: '#/components/examples/ConsentFailedCallBackUK'
                      Consent - Expired US:
                        $ref: '#/components/examples/ConsentRevokeCallBackUS-Expired'
                      ConsentFix - Success US:
                        $ref: '#/components/examples/ConsentFixSuccessfulCallBackUS'
                      ConsentFix - Failed US:
                        $ref: '#/components/examples/ConsentFixFailedCallBackUS'
                required: true
              responses:
                '204':
                  description: Callback successfully completed
  /consents/{consentId}:
    summary: Get consent status
    get:
      tags:
      - Consents
      summary: Get consent status
      description: '**Get consent status.**

        '
      operationId: getConsentStatus
      parameters:
      - $ref: '#/components/parameters/RequestId'
      - $ref: '#/components/parameters/ClientId'
      - name: consentId
        in: path
        description: JPMC generated consent identifier in UUID format (e.g., 0488ecb1-33c3-4b6a-b5e5-7a61680c463f)
        required: true
        schema:
          $ref: '#/components/schemas/ConsentId'
        examples:
          ConsentId-US:
            summary: Example of consent id for US
            value: 0488ecb1-33c3-4b6a-b5e5-7a61680c463f
      responses:
        '200':
          $ref: '#/components/responses/200-OK-ConsentBasic'
        '400':
          $ref: '#/components/responses/400-BadConsentIdRequest'
        '401':
          $ref: '#/components/responses/401-Unauthorized'
        '403':
          $ref: '#/components/responses/403-Forbidden'
        '404':
          $ref: '#/components/responses/404-NotFoundAccount'
        '422':
          $ref: '#/components/responses/422-Unprocessable'
        '429':
          $ref: '#/components/responses/429-TooManyRequests'
        '503':
          $ref: '#/components/responses/503-ServiceUnavailable'
    delete:
      tags:
      - Consents
      summary: Revoke consent
      description: '**Revoke a consent authorized for continuous access**

        '
      operationId: revokeConsent
      parameters:
      - $ref: '#/components/parameters/IdempotencyKey'
      - $ref: '#/components/parameters/RequestId'
      - $ref: '#/components/parameters/ClientId'
      - name: consentId
        in: path
        description: JPMC generated consent identifier
        required: true
        schema:
          $ref: '#/components/schemas/ConsentId'
        examples:
          ConsentId-US:
            summary: Example of consent id for US
            value: 0488ecb133c34b6ab5e57a61680c463f
      responses:
        '204':
          description: Consent Revoked Successfully
        '400':
          $ref: '#/components/responses/400-BadConsentIdRequest'
        '401':
          $ref: '#/components/responses/401-Unauthorized'
        '403':
          $ref: '#/components/responses/403-Forbidden'
        '404':
          $ref: '#/components/responses/404-NotFound'
        '422':
          $ref: '#/components/responses/422-Unprocessable'
        '429':
          $ref: '#/components/responses/429-TooManyRequests'
        '503':
          $ref: '#/components/responses/503-ServiceUnavailable'
  /consents/{consentId}/renew:
    summary: Renew consent or obtain new Consent Link URL for Microdeposit Confirmation
    post:
      tags:
      - Consents
      summary: Renew consent
      description: 'Renew consent is used to prompt the account holder for continued access to their financial data.

        For flows with Microdeposit and Challenge, Renew Consent is used to obtain new Consent Link URL for completion of the microdeposit confirmation.

        '
      operationId: renewConsent
      parameters:
      - $ref: '#/components/parameters/IdempotencyKey'
      - $ref: '#/components/parameters/RequestId'
      - $ref: '#/components/parameters/ClientId'
      - name: consentId
        in: path
        description: JPMC generated consent identifier
        required: true
        schema:
          $ref: '#/components/schemas/ConsentId'
        examples:
          ConsentId-US:
            summary: Example of consent id for US
            value: 0488ecb133c34b6ab5e57a61680c463f
      requestBody:
        $ref: '#/components/requestBodies/ConsentUpdate'
      responses:
        '200':
          $ref: '#/components/responses/200-OK-ConsentRenew'
        '400':
          $ref: '#/components/responses/400-BadConsentIdRequest'
        '401':
          $ref: '#/components/responses/401-Unauthorized'
        '403':
          $ref: '#/components/responses/403-Forbidden'
        '404':
          $ref: '#/components/responses/404-NotFoundAccount'
        '422':
          $ref: '#/components/responses/422-Unprocessable'
        '429':
          $ref: '#/components/responses/429-TooManyRequests'
        '503':
          $ref: '#/components/responses/503-ServiceUnavailable'
components:
  examples:
    Unauthorized:
      value:
        title: Authentication Failure
        httpStatus: 401
        traceId: 0eca2e1a-74b7-44b7-9e66-4a6ec8336eb9
        requestId: UK202109202311354152
        context:
        - code: '14000'
          message: Client could not be authenticated
    GetConsentPartialSuccess:
      description: Sample response payload of consent.
      value:
        consentId: 7c9e6679-7425-40de-944b-e07fc1f90ae7
        referenceId: 120c99c4b05347d096ccd77f758f7315
        consentType: ACCOUNT_INFORMATION
        country: US
        locale: en_US
        externalUserId: user-12345
        externalUserProfile:
          consumerProfileId: cpm-001
        status: PARTIAL_SUCCESS
        lastUpdatedAt: '2025-03-11T14:00:00Z'
        clientId: '9876543210'
        consentLinkType: INSTANT
        error:
          title: User Action Required
          traceId: 4f97fe11-02bc-49d5-9e00-bf556efaa867
          context:
          - code: '11402'
            message: Inadequate response to security questions from the end user.
            field: parties
            additionalContext:
            - type: EXTERNAL
              code: MA185
              message: Missing or incorrect MFA answer. One of your security questions has expired and needs to be answered.
    BalanceCheckConsentRequestEU:
      description: Sample request payload for EU, to initiate balance check consent journey
      value:
        country: DE
        consentType: ACCOUNT_CHECK
        externalUserId: JPMCUser1234@chase.eu.com
        locale: de_DE
        referenceId: 120c99c4b05347d096ccd77f758f7315
        financialInstitutionId:
          idType: BIC
          id: DEUTDEFFXXX
    ConsentRevokeCallBackUS-PermanentDelete:
      description: 'Sample account information consent revoke callback payload for US  when a consent is identified to have permanently broken link with financialInstitution or underlying account information changed. Client should create a new consent in this case. '
      value:
        notificationType: accountInformationServiceNotification
        notificationId: 3c44ab18-889b-452a-962c-76827099d0d1
        notificationSubType: ConsentRevoked
        messageCreateTimestamp: '2024-10-30T14:15:23Z'
        clientId: 12345678-9abc-def0-1234-56789abcdef0
        accountInformationServiceNotification:
          consentRevoked:
            consentId: 0488ecb133c34b6ab5e57a61680c463f
            consentType: ACCOUNT_INFORMATION
            referenceId: 120c99c4b05347d096ccd77f758f7315
            status: REVOKED_BY_SYSTEM
            statusReason: The bank account cannot be found at the financial institution. Please ask user to link a different bank account.
            externalUserId: JPMCUser1234@chase.us.com
            country: US
            locale: en_US
            lastUpdatedAt: '2025-03-11T14:00:00Z'
    ConsentLinkCancelledCallBackUS:
      description: Sample account information consent Link - cancelled callback payload for UK
      value:
        notificationType: accountInformationServiceNotification
        notificationId: 3c44ab18-889b-452a-962c-76827099d0d1
        notificationSubType: ConsentLinkCancelled
        messageCreateTimestamp: '2024-10-30T14:15:23Z'
        clientId: 12345678-9abc-def0-1234-56789abcdef0
        accountInformationServiceNotification:
          consentLinkCancelled:
            consentLinkId: ed392d86-83f3-4611-ac51-3a00442c8fc5
            consentId: 7c9e6679-7425-40de-944b-e07fc1f90ae7
            referenceId: 120c99c4b05347d096ccd77f758f7315
            viewName: FI Selection
    ConsentLinkExpiredCallBackUK:
      description: Sample account information consent Link - Expired callback payload for UK
      value:
        notificationType: accountInformationServiceNotification
        notificationId: 3c44ab18-889b-452a-962c-76827099d0d1
        notificationSubType: ConsentLinkExpired
        messageCreateTimestamp: '2024-10-30T14:15:23Z'
        clientId: 12345678-9abc-def0-1234-56789abcdef0
        accountInformationServiceNotification:
          consentLinkExpired:
            consentLinkId: ed392d86-83f3-4611-ac51-3a00442c8fc5
            consentId: 7c9e6679-7425-40de-944b-e07fc1f90ae7
            referenceId: 120c99c4b05347d096ccd77f758f7315
    BalanceCheckConsentResponseUK:
      description: Sample balance check consent response payload for GB. The consent link allow merchants to redirect user to consent to their account(s).
      value:
        consentLinkId: ed392d86-83f3-4611-ac51-3a00442c8fc5
        consentId: 7c9e6679-7425-40de-944b-e07fc1f90ae7
        referenceId: 120c99c4b05347d096ccd77f758f7315
        consentLink: https://globalconnect.jpmorgan.com?consentLinkId=ed392d86-83f3-4611-ac51-3a00442c8fc5&redirect_uri=https://test.merchant.com/callback&locale=en_US
        createdAt: '2025-05-29T14:03:01Z'
        consentLinkExpiringAt: '2025-05-29T14:13:45Z'
    BalanceCheckConsentRequestUK:
      description: Sample request payload for GB, to initiate balance check consent journey
      value:
        consentType: BALANCE_CHECK
        externalUserId: JPMCUser1234@chase.uk.com
        country: GB
        locale: en_US
        referenceId: 120c99c4b05347d096ccd77f758f7315
        financialInstitutionId:
          idType: SORT_CODE
          id: 090129
    ConsentFixSuccessfulCallBackUS:
      description: Sample account information consent fix callback payload for US.  This is a sample payload when there were NO changes in account information during renewal or fix flow.
      value:
        notificationType: accountInformationServiceNotification
        notificationId: 3c44ab18-889b-452a-962c-76827099d0d1
        notificationSubType: ConsentFixSuccessful
        messageCreateTimestamp: '2024-10-30T14:15:23Z'
        clientId: 12345678-9abc-def0-1234-56789abcdef0
        accountInformationServiceNotification:
          consentFixSuccessful:
            consentId: 7c9e6679-7425-40de-944b-e07fc1f90ae7
            consentType: ACCOUNT_INFORMATION
            referenceId: 120c99c4b05347d096ccd77f758f7315
            status: SUCCESS
            externalUserId: JPMCUser1234@chase.us.com
            externalUserProfile:
              consumerProfileId: cpm-001
            country: US
            locale: en_US
            lastUpdatedAt: '2025-03-11T14:00:00Z'
            consentLinkType: INSTANT
    ConsentLinkCancelledCallBackEU:
      description: Sample account information consent Link - cancelled callback payload for EU
      value:
        notificationType: accountInformationServiceNotification
        notificationId: 3c44ab18-889b-452a-962c-76827099d0d1
        notificationSubType: ConsentLinkCancelled
        messageCreateTimestamp: '2024-10-30T14:15:23Z'
        clientId: 12345678-9abc-def0-1234-56789abcdef0
        accountInformationServiceNotification:
          consentLinkCancelled:
            consentLinkId: ed392d86-83f3-4611-ac51-3a00442c8fc5
            consentId: 7c9e6679-7425-40de-944b-e07fc1f90ae7
            referenceId: 120c99c4b05347d096ccd77f758f7315
            viewName: FI Selection
    ConsentSuccessfulCallBackUS:
      description: Sample account information consent callback payload for US
      value:
        notificationType: accountInformationServiceNotification
        notificationId: 3c44ab18-889b-452a-962c-76827099d0d1
        notificationSubType: ConsentSuccessful
        messageCreateTimestamp: '2024-10-30T14:15:23Z'
        clientId: 12345678-9abc-def0-1234-56789abcdef0
        accountInformationServiceNotification:
          consentSuccessful:
            consentId: 7c9e6679-7425-40de-944b-e07fc1f90ae7
            consentType: ACCOUNT_INFORMATION
            referenceId: 120c99c4b05347d096ccd77f758f7315
            status: SUCCESS
            externalUserId: JPMCUser1234@chase.us.com
            externalUserProfile:
              consumerProfileId: cpm-001
            country: US
            locale: en_US
            lastUpdatedAt: '2025-03-11T14:00:00Z'
            consentLinkType: INSTANT
            accounts:
            - accountId: 61d0ed13-6391-43bc-9fd4-7dc0a782912f
              account:
                accountIdentifiers:
                  accountIdType: USABA
                  accountNumber: '45789123456789'
                  routingNumber: '6013140'
                  maskedAccountNumber: XXXXX6789
                  tokenizedAccountNumber: '98745632564'
                financialInstitution:
                  name: Chase Bank
                  logoUrl: https://www.chase.com/logo.png
                accountType: SAVINGS
                currencyCode: USD
                name: John's Savings Account
                segment: PERSONAL
                status: ACTIVE
              parties:
              - role: PRIMARY
                identity:
                  name: John Doe
                  addresses:
                  - addressType: RESIDENTIAL
                    addressLines:
                    - Street 123
                    city: Omaha
                    state: NE
                    postalCode: '78450'
                    country: US
                  emails:
                  - isPrimary: true
                    emailAddressType: PERSONAL
                    emailAddress: john.doe@example.com
                  phones:
                  - phoneNumberType: MOBILE
                    phoneNumber: +1-1234567890
                verificationStatus: VERIFIED
              balances:
              - balanceType: BOOKED_BALANCE
                value:
                  amount: '450.00'
                  currency: USD
                lastRefreshedAt: '2025-03-11T14:00:00Z'
              - balanceType: AVAILABLE_BALANCE
                value:
                  amount: '700.00'
                  currency: USD
                lastRefreshedAt: '2025-03-11T14:00:00Z'
    SecurityFailureError:
      value:
        title: Authorization Failure
        httpStatus: 403
        traceId: 5914f136-4544-4b1c-8004-6c2388ba76b4
        requestId: d3dd646b-1fd0-4389-b6b4-0c3ab486bvg1
        context:
        - code: '14000'
          message: Invalid client profile
    ConsentLinkPendingCallBackUS:
      description: Sample account information consent Link - Pending callback payload for US
      value:
        notificationType: accountInformationServiceNotification
        notificationId: 3c44ab18-889b-452a-962c-76827099d0d1
        notificationSubType: ConsentLinkPending
        messageCreateTimestamp: '2024-10-30T14:15:23Z'
        clientId: 12345678-9abc-def0-1234-56789abcdef0
        accountInformationServiceNotification:
          consentLinkPending:
            consentLinkId: ed392d86-83f3-4611-ac51-3a00442c8fc5
            consentId: 7c9e6679-7425-40de-944b-e07fc1f90ae7
            referenceId: 120c99c4b05347d096ccd77f758f7315
    ConsentFailedCallBackUK:
      description: Sample account information consent failure callback payload for UK
      value:
        notificationType: accountInformationServiceNotification
        notificationId: 3c44ab18-889b-452a-962c-76827099d0d1
        notificationSubType: ConsentFailed
        messageCreateTimestamp: '2024-10-30T14:15:23Z'
        clientId: 12345678-9abc-def0-1234-56789abcdef0
        accountInformationServiceNotification:
          consentFailed:
            consentId: 7c9e6679-7425-40de-944b-e07fc1f90ae7
            consentType: ACCOUNT_CHECK
            referenceId: 120c99c4b05347d096ccd77f758f7315
            status: FAILED
            externalUserId: JPMCUser1234@chase.uk.com
            country: GB
            locale: en_US
            lastUpdatedAt: '2025-03-11T14:00:00Z'
            error:
              title: Service Unavailable
              traceId: 4f97fe11-02bc-49d5-9e00-bf556efaa867
              context:
              - code: '12970'
                message: API is currently unavailable for usage. Please try again after some time
    ConsentLinkOpenedCallBackUK:
      description: Sample account information consent Link - Opened callback payload for UK
      value:
        notificationType: accountInformationServiceNotification
        notificationId: 3c44ab18-889b-452a-962c-76827099d0d1
        notificationSubType: ConsentLinkOpened
        messageCreateTimestamp: '2024-10-30T14:15:23Z'
        clientId: 12345678-9abc-def0-1234-56789abcdef0
        accountInformationServiceNotification:
          consentLinkOpened:
            consentLinkId: ed392d86-83f3-4611-ac51-3a00442c8fc5
            consentId: 7c9e6679-7425-40de-944b-e07fc1f90ae7
            referenceId: 120c99c4b05347d096ccd77f758f7315
    AccountCheckConsentResponseEU:
      description: Sample response payload for EU to initiate account consent journey. The consent link in the response allow merchants to redirect user to consent to their account(s).
      value:
        consentLinkId: ed392d86-83f3-4611-ac51-3a00442c8fc5
        consentId: 7c9e6679-7425-40de-944b-e07fc1f90ae7
        referenceId: 120c99c4b05347d096ccd77f758f7315
        consentLink: https://globalconnect.jpmorgan.com?consentLinkId=ed392d86-83f3-4611-ac51-3a00442c8fc5&redirect_uri=https://test.merchant.com/callback&locale=de_DE
        createdAt: '2025-05-29T14:03:01Z'
        consentLinkExpiringAt: '2025-05-29T14:13:45Z'
    ConsentPendingCallBackUS:
      description: Sample account information consent callback payload for US
      value:
        notificationType: accountInformationServiceNotification
        notificationId: 3c44ab18-889b-452a-962c-76827099d0d1
        notificationSubType: ConsentPending
        messageCreateTimestamp: '2024-10-30T14:15:23Z'
        clientId: 12345678-9abc-def0-1234-56789abcdef0
        accountInformationServiceNotification:
          consentPending:
            consentId: 7c9e6679-7425-40de-944b-e07fc1f90ae7
            consentType: ACCOUNT_INFORMATION
            referenceId: 120c99c4b05347d096ccd77f758f7315
            status: PENDING
            externalUserId: JPMCUser1234@chase.us.com
            externalUserProfile:
              consumerProfileId: cpm-001
            country: US
            locale: en_US
            lastUpdatedAt: '2025-03-11T14:00:00Z'
            consentLinkType: MANUAL
            accounts:
            - accountId: 61d0ed13-6391-43bc-9fd4-7dc0a782912f
              account:
                accountIdentifiers:
                  accountIdType: USABA
                  maskedAccountNumber: XXXXX6789
                financialInstitution:
                  name: Chase Bank
                  logoUrl: https://www.chase.com/logo.png
                accountType: SAVINGS
                currencyCode: USD
                name: John's Savings Account
                status: UNKNOWN
    GetConsent-US:
      description: Sample response payload of consent.
      value:
        consentId: 7c9e6679-7425-40de-944b-e07fc1f90ae7
        referenceId: 120c99c4b05347d096ccd77f758f7315
        consentType: ACCOUNT_INFORMATION
        country: US
        locale: en_US
        externalUserId: user-12345
        externalUserProfile:
          consumerProfileId: cpm-001
        status: SUCCESS
        lastUpdatedAt: '2025-03-11T14:00:00Z'
        clientId: '9876543210'
        consentLinkType: INSTANT
    ConsentFailedCallBackUS:
      description: Sample account information consent failure callback payload for US
      value:
        notificationType: accountInformationServiceNotification
        notificationId: 3c44ab18-889b-452a-962c-76827099d0d1
        notificationSubType: ConsentFailed
        messageCreateTimestamp: '2024-10-30T14:15:23Z'
        clientId: 12345678-9abc-def0-1234-56789abcdef0
        accountInformationServiceNotification:
          consentFailed:
            consentId: 7c9e6679-7425-40de-944b-e07fc1f90ae7
            consentType: ACCOUNT_INFORMATION
            referenceId: 120c99c4b05347d096ccd77f758f7315
            status: FAILED
            externalUserId: JPMCUser1234@chase.us.com
            country: US
            locale: en_US
            lastUpdatedAt: '2025-03-11T14:00:00Z'
            error:
              title: Service Unavailable
              traceId: 4f97fe11-02bc-49d5-9e00-bf556efaa867
              context:
              - code: '12970'
                message: API is currently unavailable for usage. Please try again after some time
    AccountInformationConsentUpdateResponseUS:
      description: Sample response payload for US to update account information consent. The consent link in the response allow merchants to redirect user to consent to their account(s).
      value:
        consentLinkId: ed392d86-83f3-4611-ac51-3a00442c8fc5
        consentId: 7c9e6679-7425-40de-944b-e07fc1f90ae7
        referenceId: 120c99c4b05347d096ccd77f758f7315
        consentLink: https://globalconnect.jpmorgan.com?consentLinkId=ed392d86-83f3-4611-ac51-3a00442c8fc5&redirect_uri=https://test.merchant.com/callback&locale=en_US
        updatedAt: '2025-05-29T14:06:01Z'
        consentLinkExpiringAt: '2025-05-29T14:16:45Z'
    GetConsent-EMEA:
      description: Sample response payload of consent.
      value:
        consentId: 7c9e6679-7425-40de-944b-e07fc1f90ae7
        referenceId: 120c99c4b05347d096ccd77f758f7315
        consentType: ACCOUNT_CHECK
        country: DE
        locale: de_DE
        externalUserId: user-12345
        status: SUCCESS
        lastUpdatedAt: '2025-03-11T14:00:00Z'
        consentLinkType: INSTANT
    ErrorRateLimit:
      summary: Too Many Requests
      value:
        title: Too Many Requests
        httpStatus: 429
        traceId: 0eca2e1a-74b7-44b7-9e66-4a6ec8336eb9
        context:
        - message: The agreed upon rate limit for this API has been exceeded
    ConsentFixFailedCallBackUS:
      description: Sample account information consent-fix failure callback payload for US
      value:
        notificationType: accountInformationServiceNotification
        notificationId: 3c44ab18-889b-452a-962c-76827099d0d1
        notificationSubType: ConsentFixFailed
        messageCreateTimestamp: '2024-10-30T14:15:23Z'
        clientId: 12345678-9abc-def0-1234-56789abcdef0
        accountInformationServiceNotification:
          consentFixFailed:
            consentId: 7c9e6679-7425-40de-944b-e07fc1f90ae7
            consentType: ACCOUNT_INFORMATION
            referenceId: 120c99c4b05347d096ccd77f758f7315
            status: FAILED
            externalUserId: JPMCUser1234@chase.us.com
            country: US
            locale: en_US
            lastUpdatedAt: '2025-03-11T14:00:00Z'
            error:
              title: Service Unavailable
              traceId: 4f97fe11-02bc-49d5-9e00-bf556efaa867
              context:
              - code: '12970'
                message: API is currently unavailable for usage. Please try again after some time
    TransactionCheckConsentResponseUK:
      description: Sample transactions check consent response payload for GB
      value:
        consentLinkId: ed392d86-83f3-4611-ac51-3a00442c8fc5
        consentId: 7c9e6679-7425-40de-944b-e07fc1f90ae7
        referenceId: 120c99c4b05347d096ccd77f758f7315
        consentLink: https://globalconnect.jpmorgan.com?consentLinkId=ed392d86-83f3-4611-ac51-3a00442c8fc5&redirect_uri=https://test.merchant.com/callback&locale=en_US
        createdAt: '2025-05-29T14:03:01Z'
        consentLinkExpiringAt: '2025-05-29T14:13:45Z'
    ConsentFailedCallBackEU:
      description: Sample account information consent failure callback payload for EU
      value:
        notificationType: accountInformationServiceNotification
        notificationId: 3c44ab18-889b-452a-962c-76827099d0d1
        notificationSubType: ConsentFailed
        messageCreateTimestamp: '2024-10-30T14:15:23Z'
        clientId: 12345678-9abc-def0-1234-56789abcdef0
        accountInformationServiceNotification:
          consentFailed:
            consentId: 7c9e6679-7425-40de-944b-e07fc1f90ae7
            consentType: ACCOUNT_CHECK
            referenceId: 120c99c4b05347d096ccd77f758f7315
            status: FAILED
            externalUserId: JPMCUser1234@chase.uk.com
            country: DE
            locale: de_DE
            lastUpdatedAt: '2025-03-11T14:00:00Z'
            error:
              title: Service Unavailable
              traceId: 4f97fe11-02bc-49d5-9e00-bf556efaa867
              context:
              - code: '12970'
                message: API is currently unavailable for usage. Please try again after some time
    AccountCheckConsentRequestEU:
      description: Sample request payload for EU to initiate account consent journey
      value:
        country: DE
        consentType: ACCOUNT_CHECK
        externalUserId: JPMCUser1234@chase.eu.com
        locale: de_DE
        referenceId: 120c99c4b05347d096ccd77f758f7315
        financialInstitutionId:
          idType: BIC
          id: DEUTDEFFXXX
    ConsentLinkOpenedCallBackEU:
      description: Sample account information consent Link - Opened callback payload for EU
      value:
        notificationType: accountInformationServiceNotification
        notificationId: 3c44ab18-889b-452a-962c-76827099d0d1
        notifica

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# Full source: https://raw.githubusercontent.com/api-evangelist/jp-morgan-chase/refs/heads/main/openapi/jp-morgan-chase-consents-api-openapi.yml