J.P. Morgan

This guide will help you enable the JP Morgan Reports integration to ingest daily reports into your Payrails account.

Prerequisites

You will need:

• An active JP Morgan merchant account
• SFTP access: a dedicated SFTP username and password assigned to your account
• Report delivery enabled for the required report codes (see Step 2)

Step-by-step instructions

Step 1: Gather SFTP credentials and connection details

To configure secure file transfer, gather the following information:

1. SFTP host and port

Provide these credentials to Payrails:

• Hostname
• Username
• Password
• Port (default 22)
• Root directory path (if applicable)

2. Verify data lifecycle and storage

Before integrating, confirm the file lifecycle logic on the JP Morgan SFTP server to ensure consistent data retrieval and support for backfills:

• Folder structure: Confirm where new reports land in the root directory or a specific subdirectory (configured in Step 1).
• File format and naming: Payrails expects files to follow JP Morgan’s standard naming convention. Pattern: <company_id>.<activity_date>.<frequency>.<file_identification>.dfr.zip. Only daily files are parsed. Monthly or yearly files are still transferred but skipped by the parser.
• Compression: Files are expected to be compressed and password protected. The decryption password should match the SFTP password.
• Backfill availability: Ensure that historical files are accessible for backfill purposes, especially if you need to ingest past data during onboarding.

Step 2: Configure report delivery

Confirm that the following reports are enabled on the JP Morgan side:

• FIN0010 Deposit Activity Summary
• FIN0011 Service Charge Detail
• FIN0025 Financial Activity Summary
• ACT0002 Exception Detail
• ACT0010 Deposit Detail
• ACT0036 Authorization Detail

For authorization reports, enable:

• Interchange Detail Option
• Debit Detail Option

Step 3: Share credentials with Payrails

1. Share your SFTP credentials in a secured way with Payrails.
2. You can use your preferred secrets manager or vault tool like 1Password Shared Vaults, AWS Secrets Manager, or GCP Secrets Manager.