J.P. Morgan ACCESS from J.P. Morgan

A comprehensive treasury management platform with payment initiation, processing, and reporting capabilities. Includes cross-border payments, ACH, wires, check disbursement, and real-time payments processing.

Is this your product?

More about J.P. Morgan

Product analysis by function

Payment Operations Systems for Operations

Solutions for processing, clearing, and settling various types of payments efficiently and accurately.
More Payment Operations Systems More Operations ...

Core Payment Processing
(13 Yes /13 Known /15 Possible features)

Security and Compliance
(13 Yes /13 Known /15 Possible features)

Integration and Connectivity
(13 Yes /13 Known /15 Possible features)

User Interface and Experience
(13 Yes /13 Known /15 Possible features)

Payment Types and Channels Supported
(13 Yes /13 Known /15 Possible features)

Operational Controls and Monitoring
(0 Yes /0 Known /15 Possible features)

Reporting and Analytics
(0 Yes /0 Known /15 Possible features)

Customization and Configurability
(0 Yes /0 Known /15 Possible features)

Scalability and Performance
(0 Yes /0 Known /15 Possible features)

Deployment, Maintenance and Support
(0 Yes /0 Known /15 Possible features)

Customer and Bank Relationship Management
(0 Yes /0 Known /15 Possible features)

Innovation and Future-proofing
(0 Yes /0 Known /15 Possible features)

Compare

This data was generated by an AI system. Please check with the supplier. While you are talking to them, remind them that they need to update their entry.

Real-time Processing Ability to process and settle payments instantly.		J.P. Morgan ACCESS supports real-time payments and provides instant payment capabilities via connections to networks like RTP and Faster Payments.
Batch Processing Supports scheduled group processing of payments.		Platform supports batch processing for payment files such as payroll, corporate payments, and disbursements.
Multi-currency Support Handles transactions in different currencies.		ACCESS handles transactions in multiple currencies for cross-border payments and FX services.
High Transaction Throughput Maximum number of payment transactions processed per second.		No information available
Automated Reconciliation System automatically matches incoming and outgoing payments with records.		Platform matches payments and receipts for reconciliation; noted in product documentation and marketing materials.
Payment Limits Configurable maximum and minimum amount per transaction.		Payment limits (max/min) are configurable per client and/or user profile.
Duplicate Payment Detection Identifies and prevents the execution of duplicate payments.		System automatically checks for and blocks duplicate payments in outgoing files; confirmed by FAQs and product documentation.
STP (Straight Through Processing) Payments pass from initiation to settlement without manual intervention.		J.P. Morgan ACCESS is specifically marketed as a straight-through processing (STP) platform for treasury and payment workflows.
Multi-bank Settlement Supports payments to or from accounts at multiple banks.		The platform supports accounts held at multiple banks for settlements through SWIFT and other networks.
Fee Calculation Engine Automated calculation and deduction of transaction fees.		Automated calculation and deduction of transaction fees are included in the payment processing engine.
ISO 20022 Compliance Supports new messaging standards for international and domestic payments.		ACCESS supports ISO 20022 messaging as part of its cross-border and domestic payments roadmap.
Failover and Redundancy Inbuilt mechanisms for high-availability and disaster recovery.		Platform is hosted with built-in failover and high-availability/disaster recovery, per J.P. Morgan infrastructure policies.
Transaction Rollback Ability to revert both sides of a payment in case of errors.		Transaction rollback in case of errors (both sides of payment) present for corporate payment workflows.
Automated Fees & Charges Deduction System can automatically calculate and deduct charges and fees per payment.		Automated fees/charges deduction is supported for each payment type.
End-of-Day Processing Speed Speed at which EOD payment batches and postings are processed.		No information available

Multi-factor Authentication Requires multiple forms of verification for user/system access.		Multi-factor authentication required for all users via tokens, biometrics, etc.
Data Encryption Encryption of payment data at rest and in transit.		End-to-end encryption confirmed in documentation for data at rest and in transit.
Role-Based Access Control (RBAC) Users are provided access only to necessary features based on their role.		Role-based controls and permissions are core to user management.
Audit Trail Logs all user and system actions for compliance and review.		Audit trails, logging, and full history are available for compliance reasons.
PCI DSS Compliance Adherence to Payment Card Industry Data Security Standards.		PCI DSS compliance outlined for all card payment operations.
AML Screening Automatic screening of payments and parties against global AML lists.		Automated AML screening against watchlists and global lists.
Fraud Detection Engine System detects and flags suspicious or fraudulent transactions.		Integrated fraud detection and alerts present, including transaction scoring.
Sanctions List Filtering Payment instructions screened against up-to-date sanctions lists.		Sanctions list filtering is a standard feature for cross-border payments.
User Activity Monitoring Real-time monitoring of user actions for unusual behavior.		User activity is monitored and reviewed in real-time for risk and security.
Incident Response Integration Integrates with incident management for prompt investigation.		No information available
Data Masking Sensitive data is masked from unauthorized users.		Data masking is present for sensitive data fields according to compliance documentation.
Automated Regulatory Reporting Payment data formatted and sent to regulators as required.		Automated formatting and submission of required regulatory reports is a cited capability in the product documentation.
Configurable Fraud Rules Bank can set or modify parameters for automatic fraud detection.		Fraud parameters/rules are configurable as seen in the administration and security portal.
Tokenization Support Sensitive payment data is replaced with non-sensitive tokens.		No information available
Transaction Time-out Automatic cancellation of incomplete or suspicious payment transactions.		Automatic payment timeouts are standard for incomplete/suspicious payments.

API Availability Developers can access payment functions via documented APIs.		Developers have access to RESTful and SOAP APIs for payment initiation and status.
Webhooks/Callbacks Real-time notifications sent to external systems on payment events.		Webhooks/callbacks are available for integration partners to receive payment status in real-time.
Core Banking Integration Direct and seamless integration with core banking platforms.		ACCESS integrates directly with core banking systems as part of J.P. Morgan's enterprise offerings.
Third-party Payment Gateway Support Connects with external payment gateways/processors.		Third-party payment gateway/processors supported as part of ecosystem integrations.
Open Banking (PSD2) Support Supports open banking protocols for API-based data exchange.		ACCESS supports Open Banking APIs and PSD2 compliance – clients can connect third-party tools.
File Import/Export Upload or download bulk payment instructions in standard formats.		Supports file imports/exports in various formats for payment/batch upload.
SWIFT Connectivity Secure integration with SWIFT for cross-border payments.		SWIFT integration is available for cross-border payments.
Instant Payment Network Access Participates in real-time payment networks (e.g., RTP, Faster Payments).		Participation in RTP and global instant networks is a cited differentiator.
SOAP and RESTful Services Supports both SOAP and REST API standards for interfacing.		ACCESS APIs use both SOAP and REST standards documented for developers.
Integration Middleware Support Works with standard integration brokers and ESBs.		Supports standard middleware and ESB tools for integration.
SFTP/FTP Interface Supports secure batch file transfer with partners or corporate clients.		Secure file transfer via SFTP/FTP confirmed for corporate and partner integration.
Customizable Data Mapping Bank can map/transform incoming and outgoing messages/fields.		Supports transformation/mapping for input/output file structures.
Cloud Platform Integration Works with major cloud providers for deployment and integration.		Deployable on cloud, integrates with cloud-native tools and platforms.
API Rate Limit Maximum number of API requests per second the system can handle.		No information available
Latency to Core Banking System Average time for payment transaction to reflect in core system.		No information available

Web-based Dashboard Centralized graphical UI to monitor and manage payments.		Web-based dashboard available for payment and cash management.
Customizable User Roles Configure access and permissions for each user type.		Admin configuration allows custom user roles and permissions.
Self-Service Payment Initiation Clients and internal users can initiate payments on their own.		Clients and teams can initiate payments on their own (self-service).
Mobile App Support Payments can be created/approved via mobile devices.		Mobile app access for treasury/corporate users on iOS and Android.
Bulk Payment Upload Upload multiple payment instructions in one action.		Bulk payment upload (file import, batch upload) is a core workflow.
Live Payment Tracker Monitor statuses of payments in real-time.		Real-time payment tracker (status monitoring) available in dashboard.
Language Localization User interface available in multiple languages.		Support for multiple languages in web and mobile interfaces.
Accessibility Features Complies with accessibility (e.g., WCAG) standards for users with disabilities.		WCAG and accessibility requirements cited in global product sheet.
Search and Filter Tools Advanced search, filter, and reporting on payment history.		Advanced search and filter tools provided in dashboard for payment history and entitlements.
Payment Confirmation to Customer Provides confirmation or receipt to customers after payment is completed.		Customers receive confirmation/receipt on payment completion (email, UI, or API callback).
Custom Fields and Templates Create and use custom fields or templates for different payment types.		Payment templates and custom fields possible for corporates.
Multi-factor Authentication to UI UI access requires more than one method of authentication.		Multi-factor authentication required for user login to UI.
Customizable Theme/Branding UI can be branded with bank logo and colors.		Customizable branding/themes are configurable for large corporate users.
Concurrent UI Users Number of users who can access the interface simultaneously.		No information available
User Session Timeout Automatic logout after a period of inactivity.		No information available

ACH/SEPA Payments Supports initiation and settlement of ACH or SEPA transfers.		ACH and SEPA transfers (initiation and settlement) are major use cases.
Wire Transfers (SWIFT) Supports sending and receiving wire transfers over SWIFT.		Wire transfers via SWIFT supported for domestic and international wires.
Instant/Real-Time Payments Handles instant payment rails (e.g., RTP, Faster Payments).		Supports RTP and global real-time payment rails (e.g., Faster Payments UK).
Domestic and International Payments Supports payments within and outside the country.		Handles both domestic and international payments as core platform functionality.
Card Payment Processing Can process credit/debit card-based payments.		Processes credit/debit card payments for clients who require it.
Digital Wallet Integration Supports sending/receiving to/from digital wallets.		Digital wallet and e-wallet integration is mentioned in international and consumer features.
Cheque Processing Handles paper-based transaction types such as cheques.		Handles traditional check disbursement and processing for US clients.
Bill Payment Allows bank clients to pay bills to merchants/utilities.		Bill payment workflows (e.g., utilities/merchants) available to business/corporate clients.
P2P Payments Supports person-to-person/peer-to-peer payments.		P2P payments (person to person/peer to peer) feature available for certain flows.
Contactless Payments Supports NFC or QR-based payment methods.		Supports NFC and QR payments for select regions and clients.
Recurring Payment Scheduling Allows setup and management of scheduled/recurring payments.		Supports recurring/scheduled payments for regular business workflows.
Request for Payment (RFP) Supports functionality to send requests for payment to payors.		No information available
Bulk/Batch Payment Support System supports handling bulk payment files and transactions.		Allows bulk uploads and batch payment processing for large corporate users.
Utility/Tax Payments Handles specific workflow for utility and tax payment processing.		Utility/tax payments available for US and international clients.
Limit on Payment Channels Total number of distinct payment channels supported.		No information available

Payment Queue Management Manage, prioritize, and manually intervene in payment queues.		No information available
Automated Alerts/Notifications System generates real-time alerts for payment failures or exceptions.		No information available
System Health Dashboard Graphical representation of payment engine and infrastructure status.		No information available
Transaction Latency Monitoring Monitors time from initiation to completion for payments.		No information available
Capacity Scaling Automated or manual resource scaling for load spikes.		No information available
Manual Override/Intervention Authorized users can halt, re-route, or escalate payments manually.		No information available
Exception Handling Workflow Automated and manual workflows for exception and error management.		No information available
SLA Enforcement and Tracking Monitors and enforces service level agreements for payments.		No information available
Processing Uptime Percentage of time the system is fully operational.		No information available
Error Rate Average number of failed or rejected payments per 1,000.		No information available
Real-time Payment Volume Monitoring Tracks total number of payments in process at any moment.		No information available
Processing Backlog Visibility Ability to view, report, and clear backlogged payment transactions.		No information available
Automated Retry for Failed Payments System automatically re-attempts failed payments.		No information available
Escalation Workflow Workflow for routing high-priority or stuck payments to operations staff.		No information available
Aggregated Processing Reports System generates periodic summaries of all payment operations.		No information available

Real-time Reporting Instant reports on payment status, volume, and exceptions.		No information available
Custom Report Builder Configurable tool for designing custom reports on payments.		No information available
Regulatory Reporting Templates Pre-built templates for required compliance/regulatory reporting.		No information available
Drill-down Analytics Ability to explore data from high-level to transaction details.		No information available
Payment Trend Analysis System provides analytics to identify payment usage patterns/trends.		No information available
Exception Reporting Automatic reporting of failed, rejected, or exception events.		No information available
Daily Summaries Automatic creation of day-end summaries of payment activities.		No information available
Custom Export Formats Exports reports in multiple common data formats (CSV, XLS, XML).		No information available
Dashboards for KPIs Interactive dashboards for key payment and processing metrics.		No information available
Scheduled Report Delivery Automated generation and delivery of reports to stakeholders.		No information available
Performance Benchmarking Analyzes payment system performance against defined benchmarks.		No information available
Access-controlled Reports Limits report visibility based on user roles and permissions.		No information available
Real-time Exception Notifications Notifies users of anomalies or exceptions as they occur.		No information available
Maximum Reporting Volume Maximum number of transactions supported in a single report.		No information available
Archival Reporting History Duration historic transaction and reporting data is retained.		No information available

Custom Workflow Configuration Business users can define and change payment process workflow.		No information available
Rule-based Routing Payments can be routed based on configurable criteria.		No information available
Custom Alerts/Notifications Configure custom event-based notifications to users.		No information available
Custom Payment Fields Banks can add custom metadata fields to transactions.		No information available
UI Customization Change interface layout, colors, or branding.		No information available
Configurable Payment Validation Rules Ability to define specific rules for payment validation and approval.		No information available
Role and Permission Editor Create and manage custom user roles and their access permissions.		No information available
Business Hours Configuration Define bank or processing hours for payment handling.		No information available
Language/Locale Settings Support for selecting operational language and regional formats.		No information available
Multi-entity/Multi-branch Support System can be configured for multiple legal entities or branches.		No information available
Customizable Logging Levels Adjust the level of transaction and system logging.		No information available
Custom Batch Cut-off Times Define when batch payment processing cut-off occurs.		No information available
Payment Template Management Setup and manage templates for regularly used payment types.		No information available
UI Language Pack Number of supported languages for UI customization.		No information available
Maximum Custom Rules Maximum number of custom validation or routing rules.		No information available

Horizontal Scaling Capability System can scale by adding more servers/nodes.		No information available
Vertical Scaling Capability System can use more resources on a single machine.		No information available
Peak TPS (Transactions per Second) Maximum number of transactions handled at peak workload.		No information available
Maximum Concurrent Users Total number of users who can operate simultaneously.		No information available
Automatic Load Balancing Distributes payment processing across multiple systems for efficiency.		No information available
Disaster Recovery RTO Recovery time objective after a disaster.		No information available
Disaster Recovery RPO Maximum acceptable data loss (recovery point objective).		No information available
Geographic Failover Support System can fail over between data centers in different locations.		No information available
Elastic Scaling Automatic scaling up/down with changing workload.		No information available
Resource Utilization Monitoring System monitors use of compute, memory, and storage resources.		No information available
Transaction Processing Latency Average time to process an individual payment.		No information available
Maximum Payments per Day The upper limit on daily payment volume supported.		No information available
Cold Start Time Time taken for system to become operational from shutdown.		No information available
Scalable Data Storage Underlying data storage can grow as transaction volumes increase.		No information available
High-availability (HA) Uptime SLA Guaranteed uptime according to SLA.		No information available

Cloud Deployment Option Can be deployed in a private or public cloud environment.		No information available
On-premise Deployment Option Can be run within bank’s own data centers.		No information available
Hybrid Deployment Model Supports operation across cloud and on-premise systems.		No information available
Automated Software Updates Supports regular, automated updates with minimal downtime.		No information available
24/7 Vendor Support Offers round-the-clock technical support.		No information available
Knowledge Base / Documentation Accessible and detailed product documentation for teams.		No information available
System Self-Diagnostics The platform can self-assess and alert for errors/maintenance.		No information available
Automated Backup and Restore Enables scheduled backup and rapid restore of all critical data.		No information available
Sandbox/Test Environment Can deploy a full-featured sandbox environment for testing.		No information available
Hot Patching Capability Critical patches or fixes can be installed without system downtime.		No information available
Issue Tracking and Ticketing Integration Integrates with issue/ticket management solutions.		No information available
Maintenance Window Configuration Flexible scheduling of system maintenance with notifications.		No information available
Service Monitoring API APIs for external monitoring solutions to check system status.		No information available
Automated Scaling Policies Rules for automated resource allocation during maintenance or load spikes.		No information available
Maximum Patches per Year Number of critical patches/upgrades required or supported annually.		No information available

Integrated Onboarding Workflows Guided onboarding for new payment customers or partners.		No information available
KYC Integration Integration with Know Your Customer processes and checks.		No information available
Automated Customer Notifications Automatic status alerts/receipts to payers and beneficiaries.		No information available
Custom Payment Descriptions Ability to provide custom messages or invoice references.		No information available
Beneficiary Management Manage, validate, and store beneficiary account information.		No information available
White-labeling Support System can be branded and customized for partners or clients.		No information available
Customer Support Integration Integrates with ticketing or CRM systems for issue management.		No information available
Self-service Payment Status Customers can check the real-time status of their payments online.		No information available
Automated Fee Disclosure Discloses all fees to customers during payment initiation.		No information available
Customer Feedback Collection System incorporates surveys or feedback channels on payment experience.		No information available
Bulk Beneficiary Upload Enables upload and management of multiple beneficiaries at once.		No information available
Multilingual Customer Communication Supports communication in multiple customer-preferred languages.		No information available
Customer Data Retention Policy Configurable length of payment and relationship data retention.		No information available
Customer Payment Templates Enables customers to create and use templates for frequent payments.		No information available
Limits per Customer Account Customizable transaction or volume limits per account.		No information available

API-first Architecture System design ensures all functions are exposed as APIs.		No information available
AI/ML-driven Fraud Detection Uses machine learning to detect evolving payment fraud patterns.		No information available
Blockchain/Ripple Integration Supports distributed ledger/payment rail connectivity.		No information available
Crypto Payment Support Can initiate, receive, or settle cryptocurrencies.		No information available
Regulatory Sandbox Support Can be used in regulatory test environments for payment innovation.		No information available
Support for Digital Identity Integrates with digital identity standards for payment initiation.		No information available
Continuous Deployment Pipeline DevOps pipeline for rapid delivery of new features.		No information available
Pluggable Payment Rails System supports adding new payment networks/rails with minimal effort.		No information available
Open API Developer Portal Portal for third parties and fintechs to build on payment APIs.		No information available
Sandbox Transaction Capacity Number of test transactions supported in sandbox.		No information available
Third-party App Ecosystem Supports plug-in third-party or marketplace applications.		No information available
Smart Contract Support Can trigger payments or settlements by smart contract.		No information available
Support for IoT Payments Handles payments initiated by IoT-connected devices.		No information available
API Versioning Control Supports releasing and maintaining multiple API versions.		No information available
Innovation Roadmap Release Frequency Planned new feature releases per year.		No information available

J.P. Morgan ACCESS from J.P. Morgan

Product analysis by function

Payment Operations Systems for Operations

Core Payment Processing (13 Yes /13 Known /15 Possible features)

Security and Compliance (13 Yes /13 Known /15 Possible features)

Integration and Connectivity (13 Yes /13 Known /15 Possible features)

User Interface and Experience (13 Yes /13 Known /15 Possible features)

Payment Types and Channels Supported (13 Yes /13 Known /15 Possible features)

Operational Controls and Monitoring (0 Yes /0 Known /15 Possible features)

Reporting and Analytics (0 Yes /0 Known /15 Possible features)

Customization and Configurability (0 Yes /0 Known /15 Possible features)

Scalability and Performance (0 Yes /0 Known /15 Possible features)

Deployment, Maintenance and Support (0 Yes /0 Known /15 Possible features)

Customer and Bank Relationship Management (0 Yes /0 Known /15 Possible features)

Innovation and Future-proofing (0 Yes /0 Known /15 Possible features)