JPMorgan Chase Payment Initiation API

openapi: 3.2.0
info:
  title: Global Payments Payment Initiation API
  version: 1.2.3
  description: Streamline your global payment operations by initiating, tracking, and managing multiple payment types across international markets through a single, unified interface, so you can handle everything from real-time payments to ACH and card payouts without juggling different systems.
  contact:
    name: JPMorgan Chase & Co. API Support
    email: imsd.security.operations@jpmorgan.com
    url: https://developer.payments.jpmorgan.com/contact/support
servers:
- url: https://apigateway.jpmorgan.com/tsapi/v1
  description: PRODUCTION - MTLS
- url: https://api-mtls.merchant.jpmorgan.com/tsapi/v1
  description: PRODUCTION - MTLS - Payment Card Industry
- url: https://apigatewaycat.jpmorgan.com/tsapi/v1
  description: CLIENT TESTING - MTLS
- url: https://apigatewaycat-pci.jpmorgan.com/tsapi/v1
  description: CLIENT TESTING - MTLS - Payment Card Industry
- url: https://api-mock.payments.jpmorgan.com/tsapi/v1
  description: JPM-PROD - Global Payments Sandbox
security:
- BearerAuth: []
tags:
- name: Payment Initiation
  description: API to initiate a payment
paths:
  /payments:
    post:
      summary: Payments Initiation API
      operationId: initiatePayments
      description: Initiate Payments
      requestBody:
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/PaymentInitationDetails'
            examples:
              CBPR RTP SEPA Ultimate Debtor Hybrid:
                $ref: '#/components/examples/PaymentInitiationSEPAMinimalUltimateDebtorHybridAddress'
              CBPR RTP SEPA Creditor:
                $ref: '#/components/examples/PaymentInitiationSEPAMinimalCreditorAddress'
              CBPR RTP SEPA Ultimate Creditor:
                $ref: '#/components/examples/PaymentInitiationSEPAMinimalUltimateCreditorAddress'
      callbacks:
        paymentInitiationStatus:
          '{client-calback-url}/status':
            post:
              requestBody:
                content:
                  application/json:
                    schema:
                      type: object
                      properties:
                        callbacks:
                          $ref: '#/components/schemas/Callbacks'
                required: true
              responses:
                '200':
                  description: OK
                  content:
                    application/json:
                      schema:
                        type: object
      responses:
        '202':
          $ref: '#/components/responses/202-Accepted'
        '400':
          $ref: '#/components/responses/400-BadRequest'
        '403':
          $ref: '#/components/responses/403-Forbidden'
        '503':
          $ref: '#/components/responses/503-ServiceUnavailable'
      tags:
      - Payment Initiation
components:
  schemas:
    PrimaryAccountIdentification:
      type: object
      title: Primary Account Identification
      required:
      - accountId
      properties:
        accountId:
          $ref: '#/components/schemas/AccountId'
        accountType:
          $ref: '#/components/schemas/AccountTypeEnum'
        schemeName:
          $ref: '#/components/schemas/SchemeName'
        cardExpiryDate:
          type: string
          description: Mandatory for Push to Card. Acceptable format - YYMM
          pattern: ^(?:[0-9]{2})(0[1-9]|1[0-2])$
    UltimateDebtorName:
      title: Ultimate Debtor Name
      type: string
      minLength: 0
      maxLength: 140
      description: '- Mandatory for US RTP


        **Market specific maximum length limits** :-

        | Market |Maximum Length|

        |----------------- |----|

        | **Push To Card**| 25 |       '
    AdditionalAlternateAccountIdentifier:
      type: object
      description: "A value that can be used as an alternative identifier for an account. \n- Each `identifier` entry **MUST** identify its context as assigned by the associated acount platform as an idType. "
      properties:
        idType:
          type: string
          description: "One or more values that can be used as alternative identifiers for an account. \n  | Identifier Type    | Description                                                    |\n  | -------------------| ---------------------------------------------------------------|\n  | PROGRAM_ID         | A client program identifier.|\n  | CUSTOM             | A custom identifier that can be used to identify an account eg. `EMAIL`,`CARD_NUMBER` etc. *Should be used in conjunction with name field.*|"
          enum:
          - PROGRAM_ID
          - CUSTOM
        identifier:
          $ref: '#/components/schemas/AlternateAccountIdentifier'
        name:
          type: string
          minLength: 0
          maxLength: 32
          description: "Optional field to provide more context to the alternate account identifier type. With idType: `CUSTOM` it is recommended to provide a name for the identifier, for example:\n  | Identifier Type    | NAME        |\n  | -------------------|-------------|\n  | CUSTOM             |`EMAIL`      |\n  | CUSTOM             |`CARD_NUMBER`|"
      required:
      - idType
      - identifier
    IndividualIdentification:
      type: object
      title: Individual Identification
      description: Individual Identification Schemes
      properties:
        individualIds:
          type: array
          minItems: 1
          maxItems: 5
          items:
            $ref: '#/components/schemas/IndividualId'
    Error:
      type: object
      properties:
        errorCode:
          type: string
          minLength: 0
          maxLength: 32
        errorDescription:
          type: string
          minLength: 0
          maxLength: 1024
    UltimateCreditor:
      oneOf:
      - $ref: '#/components/schemas/UltimateCreditorOrganization'
      - $ref: '#/components/schemas/UltimateCreditorIndividual'
    UltimateDebtor:
      oneOf:
      - $ref: '#/components/schemas/UltimateDebtorOrganization'
      - $ref: '#/components/schemas/UltimateDebtorIndividual'
    EndToEndId:
      type: string
      minLength: 0
      maxLength: 128
    Purpose:
      type: object
      description: "This field is mandatory for Singapore Faster Payments. Underlying reason for the payment transaction, eg., a charity payment, or  a commercial agreement between the creditor and the debtor. \nNot applicable for :-\n UK FPS\n Push To Card"
      properties:
        code:
          $ref: '#/components/schemas/ServiceLevelCode'
        type:
          type: string
          enum:
          - CODE
          - PROPRIETARY
    PaymentIdentifiers:
      type: object
      description: Payment Id
      required:
      - endToEndId
      properties:
        endToEndId:
          type: string
          minLength: 0
          maxLength: 128
          description: "Customer assigned reference to the transaction.\nMaximum length supported for each instrument and market :-\n\n**Credit Transfer Payments**\n|Payment Type| Market       | Max Length |Format\n|------------|--------------|------------|-------------\n| RTP        | UK           | 31         |letters and numbers only\n| RTP        | Singapore    | 35         |letters and numbers only\n| RTP        | Australia    | 35         |letters and numbers only\n| RTP        | Hong Kong    | 35         |letters and numbers only\n| RTP        | Indonesia    | 35         |letters and numbers only\n| RTP        | Brazil       | 34         |letters and numbers only\n| RTP        | Mexico       | 16         |letters and numbers only\n| RTP        | US           | 31         |letters and numbers only\n| RTP        | SEPA          | 35         |letters and numbers only\n| Push To Card| US/Canada    | 16         |letters and numbers only\n| ACH        | Chile        | 35         |\n| BLOCKCHAIN  | Kinexys Digital Payments markets  | 16         |letters and numbers only\n| Push To Wallet  | PayPal/Venmo  | 35         |letters and numbers only\n| Interac  | JPM Canada markets  | 35         |letters and numbers only\n| Zelle  | US  | 16         |letters and numbers only                        \n**Direct Debit Payments**\n|Payment Type| Market       | Max Length |Format                   |\n|------------|--------------|------------|-------------------------|\n| RTP        | Malaysia     | 35         |Letters and numbers only |"
        otherPaymentReferences:
          type: object
          description: 'The object becomes MANDATORY for below instrument and market when

            transferType = ''DEBIT''


            |Payment Type| Market       | Max Length |Format                   |

            |------------|--------------|------------|-------------------------|

            | RTP        | Malaysia     | 35         |Letters and numbers only |'
          properties:
            paymentReferenceValue:
              type: string
              minLength: 0
              maxLength: 128
              description: Clearing house originating mandate identifier to be provided for Direct debit payments.
          required:
          - paymentReferenceValue
    PaymentType:
      type: string
      enum:
      - ACH.TRF
      - RTP
      - BLOCKCHAIN
      description: "Mandatory for RTP, ACH payments and and Kinexys Digital Payments.\n\nTo Specify the payment type, use:\n\n  - **RTP** for Faster Payments\n\n  - **ACH.TRF** for Chile ACH Payments\n\n  - **BLOCKCHAIN** for payments via Kinexys Digital Payments"
    Payments:
      type: object
      required:
      - requestedExecutionDate
      - paymentIdentifiers
      - paymentAmount
      - paymentCurrency
      - debtor
      - debtorAgent
      - creditor
      - transferType
      properties:
        possibleDuplicateMessage:
          type: boolean
          description: Optional field to indicate a duplicate payment
        requestedExecutionDate:
          type: string
          pattern: '[0-9]{4}-(0[1-9]|1[0-2])-(0[1-9]|[1-2][0-9]|3[0-1])'
          minLength: 0
          maxLength: 10
          description: Requested date on which/by which the transaction should be executed ISO Date format. (YYYY-MM-DD)
        paymentIdentifiers:
          $ref: '#/components/schemas/PaymentIdentifiers'
        paymentCurrency:
          type: string
          minLength: 3
          maxLength: 3
          description: 3- character ISO currency code e.g. `SGD`, `GBP`, `AUD`, `EUR`, `MXN`, `CLP`
        paymentAmount:
          type: number
          description: "Amount should be more than 0.`01` with maximum of two decimal places allowed.\n\n**NOTE**: For Chile ACH, decimals are not accepted.\n\n**Maximum amount allowed per market/instrument** :-\n\n  - **UK FPS** - GBP 1,000,000\n\n  - **SEPA INSTANT**  - EUR 100,000"
          example: 1000
        paymentType:
          $ref: '#/components/schemas/PaymentType'
        debtor:
          $ref: '#/components/schemas/Debtor'
        debtorAgent:
          $ref: '#/components/schemas/DebtorAgent'
        creditorAgent:
          $ref: '#/components/schemas/CreditorAgent'
        creditor:
          $ref: '#/components/schemas/Creditor'
        additionalParties:
          $ref: '#/components/schemas/AdditionalParties'
        transferType:
          type: string
          enum:
          - CREDIT
          - DEBIT
          description: "To indicate the transaction is a credit transfer or direct debit\ntransfer. This indicator also determines the originator and receiver\nis the debit and credit side of this transaction. \n\n**Supported value per market/instrument** :-\n  | Market |Value|\n  | --------------------|-------|\n  |  UK Faster Payments |CREDIT |\n  |  SEPA  INSTANT      |CREDIT |\n  |  US RTP             |CREDIT |\n  |Singapore Faster Payments | CREDIT|\n  |Australia Faster Payments | CREDIT|\n  |Singapore Faster Payments | CREDIT|\n  |Hong Kong Faster Payments |CREDIT|\n  |Malaysia Faster Payments  | CREDIT and DEBIT|\n  |Indonesia RTP             |CREDIT|\n  |Brazil RTP                |CREDIT|\n  |US RTP                    |CREDIT|\n  |Push To Card              |CREDIT|\n  |ACH Chile Low Value       |CREDIT|\n  |Blockchain (Kinexys Digital Payments) Payments | CREDIT|\n  |Push To Wallet (PayPal/Venmo)       |CREDIT|\n  |Interac (Canada)      |CREDIT|\n  |Zelle      |CREDIT|"
        purpose:
          $ref: '#/components/schemas/Purpose'
        categoryPurpose:
          $ref: '#/components/schemas/CategoryPurpose'
        remittanceInformation:
          $ref: '#/components/schemas/RemittanceInformation'
        taxInformation:
          $ref: '#/components/schemas/TaxInformation'
        secureVerification:
          type: array
          description: Applies only for Interac proxy payments
          minItems: 0
          maxItems: 100
          items:
            $ref: '#/components/schemas/SecureVerification'
        paymentExpiryDate:
          type: string
          format: date-time
          description: Applies only for Interac proxy Payments. Format expected - YYYY-MM-DDThh:mm:ss+/-time offset to UTC
        chargeBearer:
          type: string
          enum:
          - CREDITOR
          - DEBTOR
    RemittanceInformation:
      type: object
      title: Remittance Information
      description: Mandatory for Malaysia Faster Payments, optional for other markets
      properties:
        unstructuredInformation:
          type: array
          minItems: 0
          maxItems: 100
          description: "**Maximum number of lines and characters supported per market/instrument** :-\n\n| Market |Maximum Line and Length limits|\n|--------|-----------------------------------|\n|  UK  FPS  |1 line, 140 characters          |\n|  SEPA INSTANT |1 line, 140 characters      |\n|  US RTP | 1 line, 140 charaters            |\n|  Singapore RTP  | 1 line, 140 characters   | \n|  Australia RTP  | 2 lines, 140 characters  | \n| Hong Kong RTP  | 1 line, 140 characters    |\n| Malaysia RTP  | 1 line, 140 characters     |\n|India IMPS | 1 line, 140 characters         |\n|  Brazil RTP  | 1 line, 140 characters      |\n|  Mexico RTP | 210 characters               |\n|Indonesia RTP | 1 line, 140 characters      |\n| Push To Card US and Canada | 1 line, 16 characters (Numbers, alphabets, SPACE and special chars  -./,$@& allowed) |\n| Blockchain (Kinexys Digital Payments) Payments | 1 line, 140 characters|\n| Zelle | 1 line, 200 characters (Numbers, alphabets, SPACE and special chars  -./,$@& allowed) |"
          items:
            type: string
            minLength: 0
            maxLength: 512
        structuredInformation:
          type: array
          minItems: 0
          maxItems: 100
          description: 'Applicable Faster Payment Markets -

            Malaysia

            US'
          items:
            $ref: '#/components/schemas/StructuredInformation'
        foreignCurrency:
          type: string
          minLength: 3
          maxLength: 3
          description: Only applicable for Mexico Faster Payments
        fx:
          $ref: '#/components/schemas/FxApplied'
    CountryOfResidence:
      type: string
      minLength: 2
      maxLength: 2
      description: 2 character `ISO country code` of residence. **Mandatory** for Interac payments.
    AccountCurrency:
      type: string
      minLength: 3
      maxLength: 3
      pattern: ^[A-Z]{3}$
      description: 'Originator account currency in 3 character ISO currency code. Field not applicable to Alternate Payments (Cards)

        UK FPS - GBP only

        SEPA INSTANT - EUR only '
    Code:
      type: string
      minLength: 0
      maxLength: 32
    IndividualID:
      type: object
      description: "Can be used if the `organizationID` is not populated, when the underlying payer is an Individual. \n\nIt should be used together with `UltimateDebtorName` and `address`, and it should contain the payment account number of the underlying payer. \n\nIn case the transfer has not been initiated from a payment account, the value populated should be a unique transaction identifier of the underlying payer which permits the traceability of the transaction back to them.\n\n**Applicable RTP markets** :-\n  - SEPA \n\n  - Mexico \n\n  - UK\n\n  - US\n\n**ACH markets** :- \n  - Chile"
      properties:
        id:
          type: string
          minLength: 0
          maxLength: 512
          description: 'Max length for ACH :-

            Chile - 255'
        issuer:
          type: string
          minLength: 0
          maxLength: 128
          description: 'Max length for ACH :-

            Chile - 35'
        schemeName:
          description: type of scheme
          type: object
          minProperties: 1
          maxProperties: 1
          properties:
            code:
              $ref: '#/components/schemas/Code'
            proprietary:
              $ref: '#/components/schemas/Proprietary'
      required:
      - id
    InitiatingParty:
      title: Initiating Party
      description: The initiating Party
      oneOf:
      - $ref: '#/components/schemas/OrganizationPartyDetails'
      - $ref: '#/components/schemas/IndividualPartyDetails'
      example:
        organizationIds:
        - organizationId: BANK
    FirmRootId:
      type: string
      minLength: 0
      maxLength: 128
    UltimateCreditorName:
      title: UltimateCreditorName
      type: string
      minLength: 0
      maxLength: 140
      description: Mandatory for US RTP & US FedNow
    AdditionalCreditor:
      type: object
      properties:
        name:
          type: string
          minLength: 0
          maxLength: 128
    CoreInitiatingParty:
      type: object
      title: CoreInitiatingParty
      description: Initiating party details
      required:
      - name
      properties:
        name:
          type: string
          minLength: 1
          maxLength: 140
          description: Name of the party
    DebtorFinancialInstitutionId:
      type: object
      description: Financial institution identifier of debtor
      properties:
        bic:
          type: string
          description: "**Credit Transfer Payment** Not applicable for **US RTP**\n\n**Mandatory RTP markets**:-\n\n  | Market     |\n  |------------|\n  |  UK        |\n  |  India     |\n  |  Singapore |\n  |Australia   |\n  |Malaysia    |\n  |Hong Kong   |\n  |SEPA INSTANT|\n  |Brazil      |\n  |Mexico      |\n\n**Alternate Payments**:-\n  - **Push To Card**: US/Canada\n  - **Interac**: Canada\n  - **Push To Wallet: Venmo/PayPal \n  - ** Zelle\n\n**ACH**:- \n  - Chile\n\n**Mandatory Blockchain (Kinexys Digital Payments) Payment markets**:-\n  - US\n  - SEPA"
          enum:
          - CHASGB2L
          - CHASINBX
          - CHASAU2X
          - CHASSGSG
          - CHASUS33
          - CHASMYKX
          - CHASHKHH
          - CHASBRSP
          - CHASDEFX
          - CHASLULX
          - CHASNL2X
          - CHASIE4L
          - CHASMXMX
          - CHASCATT
          - CHASIDJX
          - CHASUS33MCY
          - CHASDEFXONX
          - CHASCLRM
          - CHASFRPP
          - CHASITMX
          - CHASESM3
          - CHASBEBX
        clearingSystemId:
          type: object
          description: "**Credit Transfer Payment**:- \n\n  - Not applicable to UK, India, Singapore, Australia, Mexico Faster Payments.\n  - **Mandatory** for US RTP\n\n**Direct Debit Payment**:-\n  - **Mandatory** for Malaysia RTP"
          properties:
            id:
              $ref: '#/components/schemas/AccountIdentification'
            idType:
              $ref: '#/components/schemas/IdType'
    CreditorAccount:
      oneOf:
      - $ref: '#/components/schemas/PrimaryAccountIdentification'
      - $ref: '#/components/schemas/AlternateAccountIdentification'
    IdType:
      type: string
      minLength: 0
      maxLength: 32
      description: "**Credit Transfer Payment**\n    Creditor Agent -\n    Applicable and optional for Low value ACH payments (Chile).\n    Applicable and mandatory for US RTP - USABA\n\n    Debtor Agent -\n    Applicable and mandatory for US RTP - USABA\n\n**Direct Debit Payment** \n\n    Applicable and mandatory for Malaysia RTP - BIC"
    Errors:
      type: object
      properties:
        errorDetails:
          type: array
          minItems: 0
          maxItems: 100
          items:
            $ref: '#/components/schemas/Error'
    OrganizationId:
      title: OrganizationId
      type: object
      description: 'Collection of registration information held against the party.

        It can be used when the underlying payer is a Legal Entity.'
      minProperties: 1
      maxProperties: 4
      properties:
        organizationId:
          type: string
          description: Formally Issued Organization Identifier
          minLength: 1
          maxLength: 35
        bic:
          type: string
          description: "Business Identifier Code, mean a unique code to identify \nany business as defined by the ISO9362 standard."
          minLength: 8
          maxLength: 11
        issuer:
          type: string
          description: Entity that assigns the identification
          minLength: 1
          maxLength: 35
        schemeName:
          description: Name of the identification scheme
          title: SchemeName
          type: object
          minProperties: 1
          maxProperties: 1
          properties:
            code:
              type: string
              description: Name of the identification scheme in a coded form
              minLength: 1
              maxLength: 4
            proprietary:
              type: string
              description: Specifies the type of scheme with a proprietary value
              minLength: 1
              maxLength: 35
    FxApplied:
      type: object
      properties:
        appliedRate:
          $ref: '#/components/schemas/Decimal'
    StructuredInformation:
      type: object
      properties:
        creditReference:
          type: string
          description: Unique reference to unambiguously refer to the payment transaction.
          minLength: 0
          maxLength: 140
        additionalRemittanceInformation:
          type: string
          minLength: 0
          maxLength: 512
          description: 'Applicable Faster Payment Markets -


            Malaysia

            Max length supported - 250 characters


            US - mandatory if structuredInformation object is used     '
        invoicer:
          $ref: '#/components/schemas/PartyIdentifier'
        invoicee:
          $ref: '#/components/schemas/PartyIdentifier'
        deliveryDetails:
          $ref: '#/components/schemas/DeliveryDetails'
    OrganizationPartyDetails:
      title: OrganizationPartyDetails
      allOf:
      - $ref: '#/components/schemas/OrganizationIdentification'
      - $ref: '#/components/schemas/CoreInitiatingParty'
    OrganizationIdentification:
      type: object
      title: Organization Identification
      description: Organization Identification Schemes
      properties:
        organizationIds:
          type: array
          minItems: 1
          maxItems: 5
          items:
            $ref: '#/components/schemas/OrganizationId'
    OrganizationID:
      type: object
      required:
      - id
      description: "Can be used when the underlying payer is a Legal Entity. It should be used together with Ultimate Debtor Name and address, and it should contain the payment account number of the underlying payer.\n\nIn case the transfer has not been initiated from a payment account, the value populated should be a unique transaction identifier of the underlying payer which permits the traceability of the transaction back to them.\n\n**Applicable markets and rules:**\n\nCan be used for ultimateDebtor and ultimateCreditor for the following: \n\n- RTP markets :-\n  \n  - **SEPA** \n\n  - **Mexico**\n\n  - **UK**\n\n  - **US**\n\n  - **Australia Faster Payments** - Only to be used for `ultimateCreditor`. *In addition, only* `id` and schemeName.`proprietary` *fields are applicable*.\n  \n  \n- ACH markets :- \n  - **Chile**\n  \n  "
      properties:
        id:
          type: string
          minLength: 0
          maxLength: 512
          description: "For AU Superannuation payment (category payment), populate with USI number for the Superannuation fund\n\nMax length for ACH :- \nChile - 255"
        bic:
          type: string
          minLength: 0
          maxLength: 128
        issuer:
          type: string
          minLength: 0
          maxLength: 128
          description: 'Max length for ACH :-

            Chile - 35'
        schemeName:
          description: 'type of scheme

            Mandatory for SEPA Instant. Check proprietary field rules for more information.'
          type: object
          minProperties: 1
          maxProperties: 1
          properties:
            code:
              $ref: '#/components/schemas/Code'
            proprietary:
              $ref: '#/components/schemas/Proprietary'
    AdditionalAlternateAccountIdentifiers:
      type: array
      description: One or more values that can be used as alternative identifiers for an account.
      minItems: 0
      maxItems: 10
      items:
        $ref: '#/components/schemas/AdditionalAlternateAccountIdentifier'
    UltimateCreditorOrganization:
      type: object
      title: Ultimate Creditor Organization
      description: ultimate creditor organization party details
      required:
      - organizationId
      properties:
        organizationId:
          $ref: '#/components/schemas/OrganizationID'
        ultimateCreditorName:
          $ref: '#/components/schemas/UltimateCreditorName'
        dateAndPlaceOfBirth:
          $ref: '#/components/schemas/DateAndPlaceOfBirth'
        countryOfResidence:
          $ref: '#/components/schemas/CountryOfResidence'
        postalAddress:
          $ref: '#/components/schemas/PostalAddress'
    AlternateAccountIdentification:
      type: object
      title: Alternate Account Identification
      required:
      - alternateAccountIdentifier
      properties:
        alternateAccountIdentifier:
          $ref: '#/components/schemas/AlternateAccountIdentifier'
        additionalAlternateIdentifiers:
          $ref: '#/components/schemas/AdditionalAlternateAccountIdentifiers'
        accountType:
          $ref: '#/components/schemas/AccountTypeEnum'
        schemeName:
          $ref: '#/components/schemas/SchemeName'
        cardExpiryDate:
          type: string
          description: Mandatory for Push to Card. Acceptable format - YYMM
          pattern: ^(?:[0-9]{2})(0[1-9]|1[0-2])$
    Decimal:
      description: A String representation of a (potentially) decimal positive number.
      type: string
      minLength: 1
      maxLength: 40
      pattern: ^\d+(\.\d+)?$
    ErrorDetails:
      type: object
      properties:
        errorCode:
          type: string
          minLength: 0
          maxLength: 32
        errorDescription:
          type: string
          minLength: 0
          maxLength: 1024
        ruleDefinition:
          type: string
          minLength: 0
          maxLength: 128
    SecureVerification:
      type: object
      properties:
        key:
          type: string
          minLength: 0
          maxLength: 256
          description: Key identifies the security question
        secret:
          type: string
          minLength: 0
          maxLength: 256
          description: Authenticate the key using secret answer to the question
    UltimateDebtorIndividual:
      type: object
      title: Ultimate Debtor Individual
      description: ultimate debtor individual party details
      required:
      - individualId
      properties:
        individualId:
          $ref: '#/components/schemas/IndividualID'
        ultimateDebtorName:
          $ref: '#/components/schemas/UltimateDebtorName'
        dateAndPlaceOfBirth:
          $ref: '#/components/schemas/DateAndPlaceOfBirth'
        countryOfResidence:
          $ref: '#/components/schemas/CountryOfResidence'
        postalAddress:
          $ref: '#/components/schemas/PostalAddress'
        additionalIdentifiers:
          title: Additional Identifiers
          type: array
          minItems: 0
          maxItems: 100
          items:
            $ref: '#/components/schemas/AdditionalIdentifier'
    AlternateAccountIdentifier:
      type: string
      minLength: 0
      maxLength: 128
      description: 'Alternate Account Identifier eg. email, program id, card number or other types of identifiers, used as a different means of identifying an account.


        *Mandatory for the following payment types*:

        | Payment Type         | description                                                                 |

        |----------------------|-----------------------------------------------------------------------------|

        | **Push To Card**     | Use program id while specifying the debtor details.                         |

        |                      | Use card number while specifying the creditor details.                      |'
    ServiceLevelCode:
      type: string
      minLength: 0
      maxLength: 32
      description: service Level in coded form.
    CreditorAgent:
      type: object
      description: "- Not applicable for Push To Card, Push To Wallet, Zelle and Interac\n- Mandatory for pay by account and optional for pay by proxy.\n- Mandatory for Mexico RTP if the creditor is a bank \n\n***NOTE: Creditor Agent is MANDATORY for RTP Direct Debit payments for all markets.***"
      properties:
        financialInstitutionId:
          $ref: '#/components/schemas/CreditorFinancialInstitutionId'
        additionalInstitutions:
          type: array
          description: '- Only applicable to UK Faster Payments. Instructing agent of the ultimate debtor. '
          minItems: 0
          maxItems: 100
          items:
            $ref: '#/components/schemas/AdditionalInstitution'
      required:
      - financialInstitutionId
    TaxInformation:
      type: object
      description: 'mandatory for Brazil PIX and Chile Low value ACH payments

        Optional for Mexico RTP'
      properties:
        taxAmount:
          type: number
          description: Applicable only for Mexico RTP
          example: 1000
        creditorTaxInformation:
          type: object
          properties:
            taxId:
              type: string
              minLength: 0
              maxLength: 512
              description: 'Maximum lengths allowed per instrument/market :-

                ACH Chile - 35'
            taxpayerCategory:
              type: string
              enum:
              - INDIVIDUAL
              - CORPORATE
          required:
          - taxId
          - taxpayerCategory
        debtorTaxInformation:
          type: object
          required:
          - taxId
          properties:
            taxId:
              type: string
    CategoryPurpose:
      type: object
      description: 'Mandatory RTP markets :-


        Hong Kong - Mandatory'
      properties:
        code:
          type: string
          enum:
          - SALA
          - PENS
          - TAXS
          - SUPP
          description: 'Not applicable for Hong Kong '
        proprietary:
          type: string
          enum:
          - CXSALA
          - CXBSNS
          - CXMRCH
          - CXTOPU
          - WEALTH_TRANSFER
          - INVESTMENT
          - PURCHASE
          - OTHER
          description: "Coded form\nHong Kong RTP\nFor credit transfers -\n\"CXSALA\" - Salary and Benefits Payment\n\"CXBSNS\" - General Business Payment\n\"CXMRCH\" - FPS Merchant Payment\n\"CXTOPU\" - Account Top-up Payment\n\nIndonesia RTP \nWEALTH_TRANSFER\nINVESTMENT\nPURCHASE\nOTHER\nCXSALA"
    PostalAddress:
      type: object
      description: "Address of the party\n\n- For **UK FPS** it is recommended that the combined length of all structured\nfields should be less than 140 characters\n\n- **SEPA Instant** :\n\n  - `creditor`, `ultimateCreditor` and `ultimateDebtor` - unstructured address field, up to 2 lines, 70 characters each including spaces.\n\n  - **FOLLOWING 2023 RULEBOOK GO LIVE IN MARCH 2024** \n    - Structured address fields will be supported\n    - If client elects to use the structured address fields populate:\n      - Address Line + Country + Town Name *OR*\n      - Town Name + Country *OR*\n      - (Postal Address fields except Address Line) + Town Name + Country\n\n  - **THE FOLLOWING SEPA RULEBOOK GUIDELINES GO LIVE IN NOVEMBER 2026:**\n    - Fully unstructured (free-text) postal addresses will be not supported.\n    - Town Name a

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