Validation Services API
Verify accounts and identities for individuals and organizations in real time, so you can confidently onboard customers, reduce fraud, and meet compliance requirements with a single, streamlined integration.
OpenAPI Specification
# Harvested verbatim from the J.P. Morgan Payments Developer Portal.
# method: searched
# source: https://developer.payments.jpmorgan.com/api/llm-content?path=en%2Fapi%2Ffraud-solutions%2Fvalidation-services%2Fvalidation-services-oas.md
# generated: '2026-07-28'
openapi: 3.0.1
info:
title: Validation Services API
version: 2.2.3
description: Verify accounts and identities for individuals and organizations in real time, so you can
confidently onboard customers, reduce fraud, and meet compliance requirements with a single, streamlined
integration.
contact:
name: JPMC Technical Services Support
servers:
- url: https://apigateway.jpmorgan.com/tsapi/v2
description: PRODUCTION - MTLS
- url: https://apigatewaycat.jpmorgan.com/tsapi/v2
description: CLIENT TESTING - MTLS
- url: https://api-mock.payments.jpmorgan.com/tsapi/v2
description: MOCK
tags:
- name: Account Validation
description: API to validate accounts
- name: Entity Validation
description: API to validate entities
paths:
/validations/entities:
post:
tags:
- Entity Validation
operationId: entityValidation
summary: Entity validation
description: Validate an entity
parameters:
- name: x-client-id
in: header
required: true
description: A unique identifier assigned to a client during the onboarding process.
schema:
type: string
examples:
IndividualRequest:
value: CLIENTID
OrganizationRequest:
value: CLIENTID
IndividualScreenITRequest:
value: CLIENTID
OrganizationScreenITRequest:
value: CLIENTID
- name: x-program-id
in: header
required: true
description: A unique identifier assigned to a Validation Services product during onboarding.
schema:
type: string
examples:
IndividualRequest:
value: COMPANYINDIVIDUAL
OrganizationRequest:
value: COMPANYORGANIZATION
IndividualScreenITRequest:
value: SCREENITINDIVIDUAL
OrganizationScreenITRequest:
value: SCREENITORGANIZATION
- name: x-program-id-type
in: header
required: false
description: A unique identifier assigned to a specific Validation Services product selection.
The default value is “AVS” program-id-type. It indicates the processing settings selected for
the product and is provided during onboarding. This is an optional parameter.
schema:
type: string
examples:
IndividualRequest:
value: AVS
OrganizationRequest:
value: AVS
IndividualScreenITRequest:
value: AVS
OrganizationScreenITRequest:
value: AVS
requestBody:
content:
application/json:
schema:
type: array
minItems: 0
items:
$ref: '#/components/schemas/EntityDetails'
examples:
IndividualRequest:
value:
- requestId: 123e4567-e89b-12d3-a456-426614174123
clientReferenceId: CLIENT-EVS-IND-001
entity:
individual:
firstName: JOHN
lastName: SMITH
middleName: KAY
additionalLastName: MARTINEZ
namePrefix: MR
nameSuffix: JR
fullName: MR JOHN KAY SMITH MARTINEZ JR
postalAddress:
addressLine:
- 123 MAIN ST
- APT 1A
unitNumber: '4'
buildingNumber: '120'
buildingName: CAPITAL TOWER
streetName: CLEMENT TOWN
streetType: AVENUE
suburb: CITRUS PARK
townName: TAMPA
countrySubDvsn: FL
country: US
postalCode: '33607'
county: HILLSBOROUGH
residentialStatus: Rent
contactDetails:
phoneNumbers:
- phoneNumber: '2137685675'
phoneNumberType: home
- phoneNumber: '2137685676'
phoneNumberType: work
- phoneNumber: '2137685677'
phoneNumberType: mobile
email: jsmith@fakemail.com
device:
ipAddress: 123.45.67.890
identification:
- idType: SSN
id: '111223333'
- idType: DRIVERS_LICENSE_USA
id: F123-1234-1234
issuer: FL
expirationDate: 20240131
- idType: NATIONAL_ID
id: '440861896421345987'
issuer: FL
expirationDate: 20240130
- idType: VOTER_ID
id: SIQ3830379
- idType: DRIVERS_LICENSE
id: DL6971548E
issueDate: 20140131
expirationDate: 20240130
gender: M
dateOfBirth: 19850131
OrganizationRequest:
value:
- requestId: 123e4567-e89b-12d3-a456-426614174557
clientReferenceId: CLIENT-EVS-ORG-001
entity:
organization:
name: NATIONAL TITLE AND ESCROW OF HAWAII INC
alternateName: NATIONAL HAWAII
postalAddress:
addressLine:
- 201 MERCHANT ST
- STE 2100
townName: HONOLULU
countrySubDvsn: HI
country: US
postalCode: '96813'
county: HONOLULU COUNTY
contactDetails:
phoneNumbers:
- phoneNumber: '8085550422'
phoneNumberType: work
email: titleEscrowHawaii@nationaltitle.com
device:
ipAddress: 123.45.67.890
authorizedIndividuals:
- firstName: JOHN
lastName: SMITH
middleName: KAY
additionalLastName: MARTINEZ
namePrefix: MR
nameSuffix: JR
fullName: MR JOHN KAY SMITH MARTINEZ JR
postalAddress:
addressLine:
- 123 MAIN ST
- APT 1A
unitNumber: '4'
buildingNumber: '120'
buildingName: CAPITAL TOWER
streetName: CLEMENT TOWN
streetType: AVENUE
suburb: CITRUS PARK
townName: TAMPA
countrySubDvsn: FL
country: US
postalCode: '33607'
county: HILLSBOROUGH
residentialStatus: Rent
contactDetails:
phoneNumbers:
- phoneNumber: '2137685675'
phoneNumberType: home
- phoneNumber: '2137685676'
phoneNumberType: work
- phoneNumber: '2137685677'
phoneNumberType: mobile
email: jsmith@fakemail.com
identification:
- idType: SSN
id: '111223333'
- idType: DRIVERS_LICENSE_USA
id: F123-1234-1234
issuer: FL
issueDate: 20140131
expirationDate: 20240130
- idType: BUSINESS_REGISTRATION_NUMBER
id: '1234567'
- idType: TAX_ID
id: '123456789'
gender: M
dateOfBirth: 19850131
IndividualScreenITRequest:
value:
- requestId: 123e4567-e89b-12d3-a456-426614174123
clientReferenceId: CLIENT-SCREENIT-IND-001
entity:
individual:
firstName: Jose
lastName: Ramirez
fullName: Jose Ramirez
postalAddress:
addressLine:
- 123 MAIN ST
- APT 1A
townName: TAMPA
countrySubDvsn: FL
country: US
postalCode: '33607'
county: HILLSBOROUGH
residentialStatus: Rent
associatedCountries:
- US
OrganizationScreenITRequest:
value:
- requestId: 123e4567-e89b-12d3-a456-426614174557
clientReferenceId: CLIENT-SCREENIT-ORG-001
entity:
organization:
name: GADDAFI INTERNATIONAL CHARITY AND DEVELOPMENT FOUNDATION
postalAddress:
country: US
identification:
- idType: FEIN
id: 09222022
associatedCountries:
- US
- GB
required: true
callbacks:
validationStatus:
'{client-url}/status':
post:
summary: Entity Validation status callbacks
requestBody:
content:
application/json:
schema:
$ref: '#/components/schemas/Payload'
required: true
responses:
'200':
description: OK
responses:
'200':
description: 'Error codes which could be returned with a 200 http response.
* 9001 - Data Provider Error
* 9002 - Processing Error
* 9003 - Timeout Error
* 9004 - Client Configuration Error
* 9005 - Bad Request
'
content:
application/json:
schema:
type: array
minItems: 0
items:
$ref: '#/components/schemas/ResponseCollection'
examples:
IndividualRequest:
value:
- requestId: 123e4567-e89b-12d3-a456-426614174123
clientReferenceId: CLIENT-EVS-IND-001
responses:
- codes:
individualID:
code: 1101
message: Pass
provider: LEXISNEXIS
OrganizationRequest:
value:
- requestId: 123e4567-e89b-12d3-a456-426614174123
clientReferenceId: CLIENT-EVS-ORG-001
responses:
- provider: LEXISNEXIS_BUSINESS_V2
codes:
businessID:
code: 2101
message: Pass
IndividualScreenITRequest:
value:
- requestId: 123e4567-e89b-12d3-a456-426614174123
responses:
- codes:
individualScreening:
code: 4609
message: Potential Hit
provider: JPMC_SCREENING
details:
providerResponse:
realTimeResponseSchemas:
- searchResponse:
- searchConfigId: EVS-SANCTIONS
result:
recordState:
state: POTENTIAL_MATCH
listName:
United States of America (the):
BXA: USA - BXA - Bureau Ind and Sec Denied Persons List
BISN: BUREAU OF INTERNATIONAL SECURITY & NONPROLIFERATION SANCTIONS
matches:
match:
- comments: Companies | CARTEL DEL NORTE DEL VALLE, 47230
matchingItems:
matchingItem:
- itemMatchType: NAME
inputValue: Jose Ramirez
listValue: José Aldemar RENDÓN RAMÍREZ
- itemMatchType: ADDRESS
inputValue: 123 MAIN ST,APT 1A,TAMPA,FL,US,33607
listValue: New York City,New York,USA
entityMatch:
additionalInfos:
additionalInfo:
- type: OTHER
value: External Sources
comments: http://190.24.134.75/sentencias/penal/2006/dr.julio%20enrique%20socha%20salamanca/agosto/24279(22-08-06).doc
- searchConfigId: EVS-PEP
result:
recordState:
state: POTENTIAL_MATCH
matches:
match:
- comments: Category INDIVIDUAL || Sub-Category PEP Sub-National Government
matchingItems:
matchingItem:
- itemMatchType: NAME
inputValue: Jose Ramirez
listValue: RAMIREZ,Jose
- itemMatchType: ADDRESS
inputValue: 123 MAIN ST,APT 1A,TAMPA,FL,US,33607
listValue: USA
entityMatch:
additionalInfos:
additionalInfo:
- type: OTHER
value: External Sources
comments: http://www.primerahora.com/noticias/policia-tribunales/nota/arrancanlostrasladosenellideratodelnegociadodelapolicia-1253705/
OrganizationScreenITRequest:
value:
- requestId: 123e4567-e89b-12d3-a456-426614174123
responses:
- codes:
businessScreening:
code: 5609
message: Potential Hit
provider: JPMC_SCREENING
details:
providerResponse:
realTimeResponseSchemas:
- searchResponse:
- searchConfigId: EVS-SANCTIONS
result:
recordState:
state: CLEAR
listName:
United States of America (the):
BXA: USA - BXA - Bureau Ind and Sec Denied Persons List
BISN: BUREAU OF INTERNATIONAL SECURITY & NONPROLIFERATION SANCTIONS
- searchConfigId: EVS-PEP
result:
recordState:
state: POTENTIAL_MATCH
matches:
match:
- comments: Category ORGANISATION || Sub-Category PEP National Government
- Associate Entity
matchingItems:
matchingItem:
- itemMatchType: NAME
inputValue: gaddafi international charity and development foundation
listValue: GADDAFI INTERNATIONAL CHARITY AND DEVELOPMENT FOUNDATION
entityMatch:
additionalInfos:
additionalInfo:
- type: OTHER
value: External Sources
comments: http://cloud.gouv.mc/DataWeb/jourmon.nsf/9bf97b0da6308cfdc12568c40037f873/6a3ffd92eb68d059c1257888002520fa!OpenDocument
'400':
description: 'Bad Request.
* GCA-023 - Please re-send request in valid format.
* GCA-129 - ProgramId is required.
'
headers:
x-program-id:
description: A unique identifier assigned to a client during the onboarding process.
style: simple
schema:
type: string
x-program-id-type:
description: A unique identifier assigned to a specific Validation Services product selection.
The default value is “AVS” program-id-type. It indicates the processing settings selected
for the product and is provided during onboarding. This is an optional parameter.
style: simple
schema:
type: string
x-client-id:
schema:
type: string
style: simple
description: A unique identifier assigned to a client during the onboarding process.
content:
application/json:
schema:
$ref: '#/components/schemas/Errors'
'403':
description: 'Forbidden.
* GCA-001 - Unauthorized Access.
* GCA-003 - Unauthorized Access.
* GCA-103 - The programId was not found.
'
content:
application/json:
schema:
$ref: '#/components/schemas/Errors'
'429':
description: Too Many Requests
content:
application/json:
schema:
$ref: '#/components/schemas/Errors'
examples:
TooManyRequests:
summary: Too many requests
description: "The pre-defined API request rate limit breached due to \ntoo many requests\
\ within a specific time window."
value:
errors:
- errorCode: '9005'
errorMsg: The agreed rate limit has been exceeded, try again later.
'500':
description: 'Internal Error.
* GCA-099 - System is Unavailable.
'
content:
application/json:
schema:
$ref: '#/components/schemas/Errors'
/validations/accounts:
post:
tags:
- Account Validation
operationId: accountValidation
summary: Account validation
description: Validate an account
parameters:
- name: x-client-id
in: header
required: true
description: A unique identifier assigned to a client during the onboarding process.
examples:
Account Validation Request (US):
value: CLIENTID
Account Validation Request Multi (US):
value: CLIENTID
Micro-deposit Initial ACH Request (US):
value: CLIENTID
Micro-deposit Challenge ACH Request (US):
value: CLIENTID
Micro-deposit Initial RTP Request (US):
value: CLIENTID
Micro-deposit Challenge RTP Request (US):
value: CLIENTID
Account Validation Request (Non US):
value: CLIENTID
Account Confidence Request (US):
value: CLIENTID
Account Validation Request (SurePay VOP):
value: CLIENTID
schema:
type: string
- name: x-program-id
in: header
required: true
description: A unique identifier assigned to a client during the onboarding process.
schema:
type: string
examples:
Account Validation Request (US):
value: VERIAUTH
Account Validation Request Multi (US):
value: VERIAUTHMULTI
Micro-deposit Initial ACH Request (US):
value: PROGRAMID
Micro-deposit Challenge ACH Request (US):
value: PROGRAMID
Micro-deposit Initial RTP Request (US):
value: PROGRAMID
Micro-deposit Challenge RTP Request (US):
value: PROGRAMID
Account Validation Request (Non US):
value: VERIAUTHNONUS
Account Confidence Request (US):
value: VERIAUTHUS
Account Validation Request (SurePay VOP):
value: SUREPAYVOP
- name: x-program-id-type
in: header
required: false
description: A unique identifier assigned to a specific Validation Services product selection.
The defaults values is “AVS” program-id-type. It indicates the processing settings selected
for the product and will be provided during onboarding. This is an optional parameter.
schema:
type: string
examples:
Account Validation Request (US):
value: AVS
Account Validation Request Multi (US):
value: AVS
Micro-deposit Initial ACH Request (US):
value: AVS
Micro-deposit Challenge ACH Request (US):
value: AVS
Micro-deposit Initial RTP Request (US):
value: AVS
Micro-deposit Challenge RTP Request (US):
value: AVS
Account Validation Request (Non US):
value: AVS
Account Confidence Request (US):
value: AVS
Account Validation Request (SurePay VOP):
value: AVS
requestBody:
content:
application/json:
schema:
type: array
minItems: 0
items:
$ref: '#/components/schemas/AccountDetails'
examples:
Account Validation Request (US):
value:
- requestId: 123e4567-e89b-12d3-a456-426614174000
clientReferenceId: CLIENT-AVS-US-001
account:
accountNumber: '12345'
financialInstitutionId:
clearingSystemId:
id: '122199983'
idType: ABA
entity:
individual:
firstName: Jane
lastName: Abbot
fullName: Jane Abbot
Account Validation Request Multi (US):
value:
- requestId: 123e4567-e89b-12d3-a456-426614174000
clientReferenceId: CLIENT-AVS-MULTI-001
account:
accountNumber: '12345'
financialInstitutionId:
clearingSystemId:
id: '122199983'
idType: ABA
entity:
individual:
firstName: Jane
lastName: Abbot
fullName: Jane Abbot
transactions: []
Micro-deposit Initial ACH Request (US):
value:
- requestId: 223e4567-e89b-12d3-a456-426614174000
clientReferenceId: CLIENT-MD-ACH-INIT-001
profileName: verificationauth
account:
accountNumber: '12345'
financialInstitutionId:
clearingSystemId:
id: '122199983'
idType: ABA
entity:
individual:
firstName: Jane
lastName: Abbot
fullName: Jane Abbot
transactions: []
Micro-deposit Challenge ACH Request (US):
value:
- requestId: 223e4567-e89b-12d3-a456-426614174000
clientReferenceId: CLIENT-MD-ACH-CHAL-001
profileName: verificationauth
account:
accountNumber: '12345'
financialInstitutionId:
clearingSystemId:
id: '122199983'
idType: ABA
entity:
individual:
firstName: Jane
lastName: Abbot
fullName: Jane Abbot
transactions:
- context: ACCOUNT_VALIDATION
amount:
amount: 0.03
currency: USD
- context: ACCOUNT_VALIDATION
amount:
amount: 0.14
currency: USD
Micro-deposit Initial RTP Request (US):
value:
- requestId: 1231e001-e89b-12d3-a456-129414174000213
clientReferenceId: CLIENT-MD-RTP-INIT-001
profileName: verificationauth
account:
accountNumber: '12345'
financialInstitutionId:
clearingSystemId:
id: '122199983'
idType: RTPABA
entity:
individual:
firstName: Jane
lastName: Abbot
fullName: Jane Abbot
transactions: []
Micro-deposit Challenge RTP Request (US):
value:
- requestId: 1231e001-e89b-12d3-a456-129414174000213
clientReferenceId: CLIENT-MD-RTP-CHAL-001
profileName: verificationauth
account:
accountNumber: '12345'
financialInstitutionId:
clearingSystemId:
id: '122199983'
idType: RTPABA
entity:
individual:
firstName: Jane
lastName: Abbot
fullName: Jane Abbot
transactions:
- context: ACCOUNT_VALIDATION
amount:
amount: 0.03
currency: USD
- context: ACCOUNT_VALIDATION
amount:
amount: 0.14
currency: USD
Account Validation Request (Non US):
value:
- requestId: 123e4567-e89b-12d3-a456-426614174000
clientReferenceId: CLIENT-AVS-NONUS-001
account:
accountNumber: '12345'
financialInstitutionId:
clearingSystemId:
id: PARBDEFFZZZ
idType: SWIFT
postalAddress:
country: AT
accountNumberType: IBAN
entity:
individual:
firstName: Jane
lastName: Abbot
fullName: Jane Abbot
identification:
- idType: TAX_ID
id: '111223333'
transactions: []
Account Confidence Request (US):
value:
- requestId: 123e4567-e89b-12d3-a456-426614174000
clientReferenceId: CLIENT-CONF-US-001
account:
accountNumber: '12345'
financialInstitutionId:
clearingSystemId:
id: '122199983'
idType: ABA
entity:
individual:
firstName: Jane
lastName: Abbot
fullName: Jane Abbot
transactions: []
Account Validation Request (SurePay VOP):
value:
- requestId: 0000-TEST-SPI-T01
clientReferenceId: CLIENT-SUREPAY-001
profileName: SPIndividual
account:
accountNumber: NL91ABNA041716430
accountNumberType: IBAN
financialInstitutionId:
clearingSystemId:
id: ABNANL2A
idType: BIC
ultimateEntityAccount:
financialInstitutionId:
clearingSystemId:
id: DEUTDEFF500
idType: BIC
entity:
individual:
firstName: David
lastName: Martin
fullName: David Martin
transactions: []
required: true
callbacks:
validationStatus:
'{client-url}/status':
post:
summary: Validation Status Callback
requestBody:
content:
application/json:
schema:
$ref: '#/components/schemas/Payload'
required: true
responses:
'200':
description: OK
responses:
'200':
description: 'OK
Error codes which could be returned with a 200 http response.
* 9001 - Data Provider Error
* 9002 - Processing Error
* 9003 - Timeout Error
* 9004 - Client Configuration Error
* 9005 - Bad Request
'
content:
application/json:
schema:
type: array
minItems: 0
items:
$ref: '#/components/schemas/ResponseCollection'
examples:
AccountValidationRequest:
value:
- requestId: 123e4567-e89b-12d3-a456-426614174000
clientReferenceId: CLIENT-AVS-US-001
responses:
- codes:
verification:
code: 1002
message: Open Valid
authentication:
code: 5002
message: Ownership Match
provider: JPMC_ACH
details:
paymentCheckContributingStatus: Contributed
accountNumber: XXXX5
financialInstitutionId:
clearingSystemId:
id: '122199983'
idType: ABA
AccountValidationRequestSurePayVOP:
value:
- requestId: 0000-TEST-SPI-T01
clientReferenceId: CLIENT-SUREPAY-001
responses:
- cod
# --- truncated at 32 KB (57 KB total) ---
# Full source: https://raw.githubusercontent.com/api-evangelist/jp-morgan-chase/refs/heads/main/openapi/jp-morgan-chase-validation-services-api-openapi.yml